1. Agreement to Terms

By accessing or using calystranovae's services at calystranovae.com, you agree to be bound by these Terms of Use. If you disagree with any part of these terms, you may not access our service. These terms apply to all visitors, users, and others who access or use the service.

calystranovae provides a comprehensive budget surplus management platform designed to help South African individuals and businesses optimize their financial resources. Our service includes educational resources, planning tools, and personalized guidance — but we want you to understand exactly what you're agreeing to.

2. Description of Service

calystranovae offers budget surplus management education and tools through our online platform. We provide insights, strategies, and resources to help you make informed decisions about your financial surplus. However, we don't provide specific investment advice or guaranteed financial outcomes.

• Educational content about budget surplus management techniques
• Planning tools and calculators for financial analysis
• Community access for learning and discussion
• Personalized learning paths based on your goals
• Regular updates and new content releases

3. User Responsibilities

You're responsible for maintaining the confidentiality of your account and password. You agree to accept responsibility for all activities that occur under your account. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

You agree not to use our service for any unlawful purpose or to solicit others to perform unlawful acts. You also agree not to reproduce, duplicate, copy, sell, resell, or exploit any portion of the service without our express written permission.

4. Financial Disclaimers

This is crucial — calystranovae does not provide financial advice. We provide educational content and tools for learning purposes. Past performance examples used in our educational materials do not guarantee future results. All financial decisions should be made after careful consideration of your personal circumstances.

• We don't guarantee specific financial outcomes or returns
• Educational examples are for illustrative purposes only
• You should consult qualified financial advisors for personalized advice
• Market conditions can affect any financial strategy

5. Privacy and Data Protection

We take your privacy seriously and comply with South African data protection regulations. We collect and use your information only as described in our Privacy Policy. By using our service, you consent to the collection and use of information in accordance with our policy.

Your personal financial information remains confidential. We use industry-standard security measures to protect your data, though we cannot guarantee absolute security against all possible threats.

6. Limitation of Liability

calystranovae and its directors, employees, partners, agents, suppliers, or affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our service.

Our maximum liability to you for any damages arising from or related to these terms or your use of our service shall not exceed the amount you paid us in the twelve months preceding the claim.

7. Modifications to Terms

We reserve the right to modify these terms at any time. We'll notify you of significant changes via email or through prominent notices on our platform. Your continued use of the service after changes take effect constitutes acceptance of the new terms.

We recommend checking these terms periodically for updates. The "Effective Date" at the top indicates when these terms were last modified.

8. Termination

Either party may terminate your access to our service at any time, for any reason. Upon termination, your right to use the service ceases immediately. We may retain certain information as required by law or for legitimate business purposes.

Termination doesn't affect any rights or obligations that accrued before termination, including payment obligations and intellectual property rights.

9. Governing Law

These terms are governed by South African law. Any disputes arising from these terms or your use of our service will be resolved in the courts of South Africa. However, we encourage resolving disputes through direct communication before pursuing legal action.