Terms and Conditions
June 23, 2025
Acceptance of Terms
By accessing and using carventilab.com financial coaching services, you accept and agree to be bound by these terms and conditions.
Your use of our investment planning and portfolio optimization services constitutes acceptance of these terms.
Use of Service
Our financial coaching platform provides investment strategies, risk assessment tools, and asset allocation guidance subject to the following requirements:
You must be at least 18 years old to use our financial coaching services
You must provide accurate information for effective portfolio optimization and capital management
You acknowledge that investment strategies carry inherent risks and market volatility
You understand that our diversification guidance requires your active participation and commitment
User Responsibilities
As a client of our financial coaching services, you agree to:
You agree to::
Provide accurate financial information for proper risk assessment and investment horizon planning
Actively participate in developing your capital preservation and wealth building strategies
Inform us of changes affecting your tax optimization and estate planning needs
Use our emergency fund planning and debt management tools responsibly
Prohibited Uses
You may not use our financial coaching platform for:
Illegal activities or fraudulent investment schemes
Sharing login credentials or accessing unauthorized areas
Reproducing our proprietary budgeting tools and market analysis content
Interfering with our insurance planning systems or website functionality
Providing false information that could affect your personalized investment strategies
Intellectual Property
All content, including our financial coaching methodologies, portfolio optimization tools, and educational materials, is protected by copyright and intellectual property laws.
You may not reproduce, distribute, or modify our proprietary investment planning resources without written permission.
Privacy Policy
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your financial information and investment data.
Disclaimers
Important disclaimers regarding our financial coaching services:
Services are provided "as is" without warranties regarding investment outcomes or market performance
We make no guarantees about specific returns on investment or success of implemented strategies
Limitation of Liability
carventilab.com's liability is limited to the amount paid for our financial coaching services. We are not liable for investment losses, market volatility impacts, or economic factors beyond our control.
We exclude liability for indirect damages, lost profits, or consequential losses related to your investment decisions.
Indemnification
Users agree to indemnify carventilab.com against any claims arising from their use of our financial coaching services or implementation of recommended strategies.
Termination
Either party may terminate the financial coaching relationship with written notice. Termination does not affect obligations incurred before termination.
Upon termination, access to our portfolio optimization tools and ongoing support services will cease.
Governing Law
These terms are governed by South African law. Any disputes will be resolved in South African courts with jurisdiction in Gauteng Province.
Changes to Terms
We may update these terms to reflect changes in our financial coaching services or legal requirements.
Continued use of our services after changes constitutes acceptance of updated terms.
Contact Information
For questions regarding this disclaimer or our financial coaching services, please contact us:
Email: legal@carventilab.com
Phone: +27 82 345 6789
Address: V&A Waterfront, Silo District, South Arm Road, Cape Town, 8001, South Africa
By using our financial coaching services, you acknowledge reading and agreeing to these terms and conditions.