These Terms and Conditions govern your access to and use of fylorivante.sbs including all content, information, and services provided through this website.
These Terms were last updated on April 21, 2026 and apply to all visitors and users.
Acceptance of Terms
By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any provision, you should discontinue use immediately. Continued use of the website constitutes acceptance of these Terms as modified from time to time.
Definitions
The following terms carry specific meanings throughout these Terms and Conditions:
- Website refers to fylorivante.sbs and all associated pages, content, features, and services accessible through this Fylorivante and related subdomains.
- Content includes all information, text, images, graphics, data, software, and materials provided through the Website regardless of format or medium.
- User, you, and your refer to any individual or entity accessing or using the Website for any purpose including casual browsing and active engagement.
- We, us, and our refer to the operators of fylorivante.sbs responsible for Website maintenance and content provision.
Permitted Website Use
This Website provides general information about household budgeting, family expenses, and financial planning topics for personal, non-commercial use. You may access content, view pages, and download resources for personal reference. Commercial use, systematic extraction, or reproduction of substantial content portions requires explicit written permission.
Eligibility
This Website is intended for general audiences. Users under 18 years of age should access the Website under parental guidance. By using this Website, you represent that you possess legal capacity to enter into these Terms.
Parents and guardians remain responsible for minors' Website usage under their supervision.
User Responsibilities and Conduct
Users agree to responsible Website use consistent with applicable laws and these Terms:
- Provide accurate information if voluntarily submitting contact forms or other interactive features requiring personal details.
- Maintain confidentiality of any account credentials if future Website features require user authentication or login.
- Notify us promptly of any unauthorized use of your information or security breaches you discover.
- Accept sole responsibility for consequences of your Website use and information obtained through the Website.
Prohibited Uses
The following activities are strictly prohibited:
- Using the Website for any unlawful purpose or in violation of these Terms or applicable laws and regulations.
- Attempting to gain unauthorized access to Website systems, other users' accounts, or computer networks connected to the Website.
- Interfering with or disrupting Website functionality, servers, or networks connected to the Website through any means.
- Transmitting viruses, malware, or other malicious code that could damage or disrupt Website operation or other users' experience.
- Collecting or harvesting personal information about other users without explicit consent or using automated systems to extract Website content.
Intellectual Property Rights
All Website content including text, graphics, logos, images, software, and compilation remains the property of fylorivante.sbs or respective content suppliers. Content is protected by South African and international copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without explicit written permission.
User-Submitted Content
When you submit information through contact forms or other Website features, you grant us non-exclusive, royalty-free, perpetual right to use, reproduce, and display submitted content for Website operation and improvement purposes.
User Content Representations:
You represent that submitted content is accurate, does not violate third-party rights, and does not contain unlawful, defamatory, or objectionable material. We reserve the right to remove any submitted content violating these Terms.
Privacy and Personal Information
Your privacy matters. Our Privacy Policy explains how we collect, use, and protect personal information. By using the Website, you consent to information practices described in the Privacy Policy. We recommend reviewing the Privacy Policy to understand how your information is handled. View Privacy Policy
Disclaimer of Warranties and Information
Website content is provided for general informational purposes only:
No Professional Advice:
Information provided does not constitute financial advice, professional consultation, or personalized recommendations. We are not financial advisors, accountants, or licensed professionals. Content should not replace professional guidance tailored to specific circumstances.
Limitation of Liability
To the fullest extent permitted by applicable law, we disclaim all liability for damages arising from Website use or inability to use the Website including direct, indirect, incidental, consequential, or punitive damages.
Indemnification
You agree to indemnify and hold harmless fylorivante.sbs, its operators, and affiliates from claims, damages, losses, and expenses including legal fees arising from your Website use, Terms violation, or infringement of third-party rights.
Dispute Resolution Process
We prefer resolving disputes amicably through discussion before formal proceedings:
Arbitration
Disputes not resolved through informal negotiation may proceed to binding arbitration conducted in accordance with South African arbitration rules and procedures applicable at the time.
Arbitration decisions are final and binding on both parties with limited appeal rights under applicable law.
Online Dispute Resolution
European users may access Online Dispute Resolution platform provided by the European Commission for resolving disputes related to online services.
Access ODR Platform: Access ODR Platform
Governing Law and Jurisdiction
These Terms are governed by the laws of South Africa without regard to conflict of law principles. Disputes arising from these Terms or Website use shall be subject to exclusive jurisdiction of South African courts.
Termination
We reserve the right to terminate or suspend access to the Website immediately without prior notice for any reason including Terms violation, illegal activity, or behavior harmful to other users or Website operation.
Modifications
We reserve the right to modify these Terms at any time. Changes become effective immediately upon posting to the Website. Continued use after modifications constitutes acceptance of revised Terms. We recommend reviewing Terms periodically to stay informed of updates.
Severability
If any provision of these Terms is found unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect validity and enforceability of remaining provisions.
Entire Agreement
These Terms constitute the entire agreement between you and fylorivante.sbs regarding Website use and supersede all prior agreements, understandings, and communications whether written or oral.
Terms Questions Contact
Questions or concerns about these Terms and Conditions should be directed to:
Email Address: content@fylorivante.sbs
Phone Number: +27(36)8751940
Mailing Address: 7 Walter Sisulu Avenue, Cape Town 8001 South Africa
Effective Date: April 21, 2026
Version: 1.0