1. Introduction
​
This website is operated by FI Consult (Pty) Ltd. By accessing or using this website, including any services, digital products, resources or information, you agree to these Terms and Conditions. If you do not agree with these Terms, please do not use the website.
​
2. Nature of Services
​
FI Consult provides consulting, advisory and strategic services to financial planning businesses. Services include business consulting, coaching, workshops, assessments, outsourced roles and specialised advisory work.
These services are provided on a business to business basis and are governed by written agreements or project scopes.
FI Consult does not provide financial advice to consumers as defined under the Financial Advisory and Intermediary Services Act.
Digital resources and downloadable documents are sold for informational and educational purposes only.
3. Use of Website
​
The content on this website is provided for general information. FI Consult makes no guarantees regarding accuracy, completeness or reliability. Use of website content is at your own risk.
You may not:
• Use the website for unlawful purposes
• Attempt to interfere with website functionality or security
• Copy, distribute or modify website content without permission
• Reverse-engineer any part of the website
• Upload harmful or malicious code
​
4. Payments
Payments for services or digital products must be completed through approved payment gateways or via invoice. Prices are listed in South African Rand unless stated otherwise.
You are responsible for providing accurate and complete billing information. FI Consult may adjust prices at any time. Price changes do not affect existing agreements unless agreed in writing.
​
5. Refunds and Cancellations
All digital product sales are final and non-refundable.
Refunds for consulting services, workshops or advisory work are governed by the Refund and Cancellation Policy, which forms part of these Terms.
Please review the refund policy before making a purchase or booking.
​
6. Delivery of Services and Digital Products
Services are delivered electronically or in person as specified in the engagement letter, project scope or booking confirmation.
Digital products are delivered via secure download links. Download limits and link expiry periods apply for security purposes. It is your responsibility to provide a valid email address for delivery.
7. Intellectual Property
All content, digital products, templates, documents, frameworks, branding, graphics and written materials remain the intellectual property of FI Consult.
You may not reproduce, share, upload, resell or distribute any FI Consult content without written permission.
Purchase of a digital product grants a single purchaser licence for personal and non-transferable use.
8. Prohibited Use
You agree not to:
​
• Use the website in a manner that violates any law
• Attempt to gain unauthorised access to any part of the website
• Interfere with website servers or networks
• Remove or obscure copyright notices
• Resell, forward or distribute FI Consult content
9. Limitation of Liability
FI Consult is not liable for any direct, indirect, incidental or consequential loss arising from use of the website, services or digital products, except where required by South African law.
FI Consult does not guarantee any specific outcomes from its services or digital products.
Use of the website and digital products is at your own risk.
10. Disclaimer of Warranties
The website, services and digital products are provided on an “as is” and “as available” basis. FI Consult makes no warranties, express or implied, including fitness for a particular purpose, accuracy or non-infringement.
11. Third Party Links
The website may include links to external platforms or service providers. FI Consult is not responsible for the content or practices of third party websites. Use of third party sites is at your own discretion.
12. POPIA and Privacy
Personal information is processed in accordance with FI Consult’s Privacy Policy. By using the website or purchasing a product, you acknowledge that your information may be processed for communication, delivery, billing and compliance purposes.
13. Children’s Privacy
The website and its digital products are not intended for children under the age of 13. FI Consult does not knowingly collect personal information from children. Any such information identified will be deleted promptly.
14. Changes to These Terms
FI Consult may update these Terms from time to time. Updates take effect when posted on this page. Continued use of the website indicates acceptance of the updated Terms.
15. Company Information
FI Consult (Pty) Ltd
Registration number: K2023572865
Address: 2 Bruton Road, Bryanston, Johannesburg, South Africa
Email: hello@ficonsult.co.za
Phone: +27 10 300 0801
16. Governing Law
These Terms and Conditions are governed by the laws of South Africa. Any disputes shall be resolved in the courts of South Africa.