Terms and Conditions

Last Updated: June 19, 2025

These Terms and Conditions govern your use of the caxorivthivara.com website and services. By accessing or using our services, you agree to be bound by these terms.

1. Acceptance of Terms

By accessing and using the caxorivthivara.com website and services, you agree to comply with these Terms and Conditions and all applicable laws and regulations. If you do not agree, you must not use our services.

2. Description of Services

caxorivthivara.com provides individual financial coaching services, including:

  • Capital management education
  • Investment strategy guidance
  • Wealth-building techniques

Our services are educational in nature and do not constitute financial advice.

3. User Responsibilities

As a user, you agree to:

  • Provide accurate and complete information
  • Use services only for lawful purposes
  • Respect intellectual property rights
  • Not engage in fraudulent or harmful activities

4. Financial Coaching Services

  • Services are provided for educational purposes only
  • Individual results may vary
  • We do not guarantee specific financial outcomes
  • You are responsible for your own financial decisions

5. Payment Terms

  • Coaching fees: R5,250 per complete course
  • Payment is required before service commencement
  • Refunds are subject to our refund policy
  • All prices include applicable taxes

6. Intellectual Property

All content, materials, and resources provided by caxorivthivara.com are protected by copyright and other intellectual property laws. You may not reproduce, distribute, or use these materials without permission.

7. Limitation of Liability

caxorivthivara.com shall not be liable for any damages, including:

  • Direct damages
  • Indirect damages
  • Incidental damages
  • Consequential damages

arising from your use of our services or website.

8. Disclaimers

  • Services are provided "as is" without warranties
  • We make no guarantees about investment performance
  • Past results do not predict future outcomes
  • You should consult qualified professionals for specific advice

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of your information are governed by our Privacy Policy.

10. Termination

We reserve the right to terminate or suspend access to our services at any time, with or without cause, at our discretion.

11. Governing Law

These terms are governed by the laws of South Africa. Any disputes will be resolved in the courts of South Africa.

12. Indemnification

You agree to indemnify and hold harmless caxorivthivara.com from any claims, losses, or damages arising from your use of our services.

13. Modification of Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website.

14. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

15. Contact Information

For questions about these Terms and Conditions, please contact us: