Terms of Use

Agreement to Terms

Using this website means you're okay with these rules. If something here doesn't work for you, feel free to close the tab. No hard feelings.

Educational Purpose Only

Everything here is for learning. We share what we know about investing, but it's not financial advice. Think of it like reading a book - helpful, but not a replacement for talking to an actual financial advisor about your situation.

No Investment Advice

We don't tell you what to buy, sell, or hold. We're not licensed advisors. The articles and guides here cover general concepts - they don't know your financial situation, goals, or risk tolerance. Get personalized advice from someone who does.

Use of Website

Use the site like a decent human being. Don't:

• Be rude or harass other readers
• Post anything offensive or inappropriate
• Try to break the website or mess with its systems
• Attempt to access stuff you shouldn't

Intellectual Property

We created the content here. Please don't copy it wholesale or pass it off as your own. Want to share something? Link to the page instead of copying the text. Need it for something else? Ask us first.

User-Generated Content

If you send us a message or leave a comment, we can use it. Makes sense, right? Just don't send us stuff that isn't yours to share.

Third-Party Links

Sometimes we link to other sites. Once you click away, you're on their turf. We can't vouch for what happens there.

Disclaimer of Warranties

We do our best, but we can't promise:

• The site will never go down (servers have bad days too)
• Every piece of info is perfectly accurate (we're human)
• We'll catch every typo or outdated stat
• The site is virus-free (use good security practices)

Limitation of Liability

If you make investment decisions based on something you read here and lose money, that's on you. We provide education, not trading signals. This site doesn't come with a money-back guarantee because it's free.

Indemnification

If you do something dumb using our site and someone comes after us for it, you're covering the bill. Fair's fair.

Changes to Terms

These terms might change. When they do, we'll update this page. Keep using the site means you're cool with whatever's here now.

Governing Law

South African law applies here. Any legal disputes get handled in Cape Town courts.

Severability

If a court decides some part of this doesn't hold up, the rest still applies. One bad clause doesn't spoil the bunch.

Contact Information

Questions about these terms? Get in touch:

BalancedWealth Journal
74 Andries Pretorius St, Audas Estate
Cape Town, 7130, South Africa
Phone: +27 87 234 8539
Email: [email protected]