COPYRIGHT
All content included on this web site, such as text, graphics, logos, button icons, images, audio clips, and software, is the property of Money Diverse. All its content and sponsors are protected by South African and international copyright laws and treaties. Furthermore, the compilation (meaning the collection, arrangement, and assembly) of all content on this web site is the exclusive property of Money Diverse and is protected by South African and international copyright laws and treaties.

TRADEMARKS
The trade marks, service marks, logos and other proprietary names and identifiers which are owned by Money Diverse and displayed on this web site, may not be used in connection with any product or service that does not belong to Money Diverse. Furthermore, nothing contained on this web site should be construed as granting a license or right to use any of the trade marks without the express, written permission of Money Diverse.

ACCESS AND AVAILABILITY OF SERVICES, LINKS AND SPONSORS.
The Money Diverse web site may contain links to other related Internet web sites. No inference can be made, or representation implied, that Money Diverse is affiliated to, operates or controls these linked websites or sponsors. The linked websites or sponsors are for the user's convenience only and user access thereto is at the user's own risk. When visiting linked websites the user must refer to that linked site's individual terms and conditions of use and cannot rely on the terms and conditions contained herein.

LIABILITY DISCLAIMER
The information, services, products and materials published on this web site, including without limitation, text, graphics and links are provided on an "as is" basis. Money Diverse makes no representations or warranties of any kind, express or implied, as to the operation of this web site or the information, contents, materials, or products included on this site. Without limiting the generality of the aforegoing:

Money Diverse does not warrant that this web site will be error free, or will meet any particular criteria of accuracy, completeness or reliability of information, performance or quality; and

Whilst Money Diverse has taken reasonable measures to ensure the integrity of this web site and its contents, no warranty, whether express or implied, is given that any files, downloads or applications available via this web site are free of viruses, trojans, bombs, time-locks or any other data or code which has the ability to corrupt or affect the operation of your system.

LIMITATION OF LIABILITY
In no event shall Money Diverse and its sponsors be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with the use of this web site. Such limitation shall also apply with respect to damages resulting from the inability to use this web site, the operational failure of this web site, or for any information, products, and services obtained through this web site, or otherwise arising out of the use of this web site, whether based on contract, delict, strict liability or otherwise, even if Money Diverse and/or any of its sponsors has been advised of the possibility of damages.

APPLICABLE LAW
These terms and conditions shall be governed by and construed in accordance with the laws of the Republic of South Africa without giving effect to the principles of conflicts of laws. You hereby consent to the exclusive jurisdiction of the High Court of the Republic of South Africa in respect of any disputes arising in connection with this web site.

PRIVACY POLICY
Money Diverse is dedicated to maintaining the privacy of its online visitors. On this site, Money Diverse does not collect personally identifiable information from individuals unless they provide it to us voluntarily and knowingly. This means that it is not required from you to register or provide information to Money Diverse in order to view our site.

Money Diverse only gathers personally identifiable data, such as names, addresses, postal codes, e-mail addresses, etc., when a visitor joins as a member. This information is used solely by Money Diverse and its business partners who are involved in the operation of this site for internal purposes. Money Diverse client lists are never sold to third parties. Money Diverse will not share personally identifiable information with third parties unless the person who has submitted the information has authorized us to do so, or if we are required to by law.

TRANSACTIONS & ORDERS
When concluding transactions, or placing orders on this web site, you may be asked by Money Diverse to supply certain information, including credit card details or other payment mechanisms. You hereby agree that all information you provide through this web site will be accurate and complete.

You further agree to pay all charges incurred by you or other users of your account, at the prices in effect when such charges were incurred. You will also be liable for the payment of all applicable taxes, if any, relating to purchases and orders placed on the Money Diverse site. Money Diverse will not be responsible for any charges you or any user of your account incurs whilst making purchases or placing orders in this manner.

PROFESSIONAL INFORMATION
This web site is only intended to provide general information regarding Money diverse and its products and services and it is not intended to provide exhaustive treatment of any subject dealt with. The information on this web site including, without limitation, all research, opinions or other content is therefore not intended nor does it constitute financial, accounting, tax, legal, investment, consulting or other professional advice or services.

Before making any decision or taking any action which might affect you or your business you should consult your own professional advisors.

VIOLATION AND WAIVER
Should you violate these Terms and Conditions or any other rights of Money Diverse, Money Diverse reserves the right to pursue any and all legal and equitable remedies against you. If Money Diverse should fail to enforce any right or provision in these Terms and Conditions, you agree that this failure does not constitute a waiver of such right or provision or of any other rights or provisions in these Terms and Conditions.

If a court should find that one or more rights or provisions set forth in these Terms and Conditions are invalid, you agree that the remainder of the Terms and Conditions shall be enforceable and that, to the extent permitted by law, the court shall give effect to the parties' intentions, as reflected in any such right or provision that has been declared invalid or unenforceable.