These terms and conditions apply to your use of quirovantelia.sbs and any content, features, or materials we make available on or through the site. They form a binding agreement between you and Quirovantelia when you access, browse, or use the site in any way. We may update these terms from time to time, and the version posted here at the time of your visit will apply. By continuing to use quirovantelia.sbs after changes are posted, you agree to the updated terms, subject to applicable law.

quirovantelia.sbs is provided primarily for organisations and professionals who wish to explore South African property topics in a structured, governance aware way. The site is not aimed at children or at individuals seeking personal financial advice. You confirm that you are at least 18 years old, that you have the authority to accept these terms on your own behalf or on behalf of your organisation, and that you will use the site only in accordance with applicable laws and internal policies that apply to you.

You may view, download, and print content from quirovantelia.sbs for your own professional use, or for internal use within your organisation, provided you keep all proprietary notices intact and do not misrepresent the source. You must not copy, modify, distribute, sell, or otherwise exploit any part of the site for commercial purposes without our prior written consent. You may not reverse engineer, decompile, or attempt to derive the source of any part of the site, except where such activity is permitted by law and only to the extent of that permission.

All content on quirovantelia.sbs, including text, graphics, logos, layouts, and other materials, is owned by Quirovantelia or used under licence, and is protected by copyright and other intellectual property laws. No rights are granted to you in relation to this content other than the limited, revocable permission to access and use the site as described in these terms. You must not remove, obscure, or alter any copyright, trademark, or other proprietary notices appearing on or within the site or its materials.

You agree not to use quirovantelia.sbs in any way that is unlawful, fraudulent, or likely to harm, disable, overburden, or impair the site or interfere with any other user’s experience. This includes avoiding attempts to gain unauthorised access to systems, data, or accounts, introducing malicious code, scraping content in a way that breaches these terms, or using the site to transmit unsolicited communications. We may monitor access patterns to protect security and may suspend or restrict access where we reasonably believe these terms are being breached.

Content on quirovantelia.sbs is provided for general information only and does not constitute financial, legal, tax, medical, or other professional advice. We do not manage money, arrange transactions, or provide personalised recommendations, and no client or advisory relationship is created by your use of the site. You should not make or refrain from making any decision based solely on information from this site. Past performance does not guarantee future results, and results may vary even where situations appear similar.

Information on this site is prepared with care, but we do not promise that it is accurate, complete, or up to date at all times. To the fullest extent permitted by law, Quirovantelia disclaims all warranties, representations, and conditions, whether express or implied, regarding quirovantelia.sbs and its content. We will not be liable for any indirect, consequential, special, or incidental losses, or for any loss of profits, revenue, data, or opportunity arising from your use of, or reliance on, this site, even if we have been advised of the possibility of such loss, except where liability cannot lawfully be excluded or limited.

By using quirovantelia.sbs, you agree, to the extent allowed by applicable law, to indemnify and hold harmless Quirovantelia and its team members from any claims, losses, damages, costs, or expenses arising from your breach of these terms, your misuse of the site, or your violation of any law or the rights of a third party. This includes reasonable legal and professional fees incurred in connection with such claims. This obligation does not apply where it would be prohibited by applicable law.

Our privacy notice explains how we collect, use, and protect personal information obtained through quirovantelia.sbs, and our cookie policy describes how we use cookies and similar tools. By using the site, you acknowledge that personal information may be collected and used as described in those documents. You should review the privacy notice and cookie policy carefully, as they form part of the framework that governs your use of quirovantelia.sbs alongside these terms and our disclaimer.

quirovantelia.sbs may contain links or references to third party websites, tools, or resources. These links are provided for convenience only and do not imply endorsement or ongoing monitoring of the content or services offered there. We have no control over third party sites and are not responsible for their availability, accuracy, or practices. Your use of any third party site is at your own discretion and subject to the terms, policies, and disclaimers of those providers.

These terms, and any dispute or claim arising out of or in connection with them or with your use of quirovantelia.sbs, are governed by the laws of South Africa, without giving effect to conflict of law principles. You agree that the courts of South Africa will have non exclusive jurisdiction over any such dispute or claim, subject to any mandatory rights you may have under other applicable laws. Nothing in this section limits our ability to seek urgent relief in any competent court where necessary to protect our rights.

We may update, revise, or replace these terms from time to time, for example when our services evolve, when legal requirements change, or when we refine how we describe our role. Any changes will be posted on this page with an updated effective date. If you continue to use quirovantelia.sbs after revised terms are posted, you will be deemed to have accepted them, subject to applicable law. We encourage you and your compliance colleagues to review this page periodically to stay informed.

If any provision of these terms is found to be invalid, unlawful, or unenforceable by a competent authority, that provision will be applied to the maximum extent permitted or treated as severed where necessary. The remaining provisions will continue in full force and effect. Our failure to exercise or enforce any right or provision under these terms will not constitute a waiver of that right or provision, and any waiver must be in writing to be effective.

These terms and conditions, together with our privacy notice, cookie policy, and disclaimer, form the entire agreement between you and Quirovantelia in relation to your use of quirovantelia.sbs. They supersede any prior or contemporaneous understandings, communications, or agreements regarding the site, whether written or oral, to the extent permitted by law. Any additional or different terms proposed by you will not apply unless we agree to them in a separate written agreement signed by an authorised representative.