1. Introduction
These Terms and Conditions (“Terms”) govern your access to and use of the website and services of Marinova Consultants (“we,” “us,” or “our”). By using our website or services, you agree to these Terms. If you do not agree, you must not use our services.
2. Eligibility
Users must be at least 18 years old. By using our services, you represent that you have the legal capacity to enter into a contract.
3. Services
We provide services including business registration, branding, marketing, payroll, and bookkeeping. Service descriptions, pricing, and timelines are provided on our website and may change without notice. We may refuse service to anyone at our discretion.
4. User Accounts and Information
If you create an account, you are responsible for maintaining the confidentiality of your login credentials. You must provide accurate, current, and complete information when interacting with us. You agree to notify us immediately of any unauthorized use of your account.
5. Payments and Refunds
Payments are primarily via EFT; other methods may be added later. All fees must be paid in full before services are rendered unless a separate agreement exists. Refunds are issued only at our discretion and in accordance with our refund policy. Users are responsible for any bank fees, taxes, or additional charges.
6. Intellectual Property
All content, branding, designs, software, and materials on our website are the intellectual property of Marinova Consultants. You may not copy, reproduce, distribute, or modify any content without our written consent. Any ideas, suggestions, or feedback submitted to us may be used freely by us without compensation.
7. User Conduct
You agree not to violate laws, attempt unauthorized access, interfere with website functionality, or submit illegal, offensive, or harmful content.
8. Limitation of Liability
We are not liable for indirect, incidental, or consequential damages arising from your use of our services. While we strive for accuracy, we are not responsible for errors, omissions, or reliance on content.
9. Third-Party Services
Our services may involve third-party platforms or software. We are not responsible for any third-party service issues, including availability, content, or privacy practices.
10. Privacy
We handle your personal data in accordance with our Privacy Policy. By using our services, you consent to our collection, storage, and use of your information as described in the Privacy Policy.
11. Termination
We may suspend or terminate your access at our discretion for violations of these Terms. Termination does not relieve you from obligations to pay for services already provided.
12. Indemnification
You agree to indemnify and hold harmless Marinova Consultants and its affiliates from any claims, losses, damages, liabilities, or expenses arising from your breach of these Terms, misuse of services, or violation of any applicable law.
13. Dispute Resolution
Disputes will first attempt to be resolved amicably. If resolution fails, disputes will be governed by South African law and resolved in South African courts.
14. Modifications to Terms
We may update these Terms at any time. Continued use of our website or services after updates constitutes acceptance of the modified Terms.
15. Miscellaneous
If any part of these Terms is found invalid or unenforceable, the remaining provisions remain in effect. These Terms constitute the entire agreement between you and Marinova Consultants regarding the use of our services.