Welcome to **Investoria**. These Terms of Use ("Terms") govern your access to and use of our website **(www.investoria.com)** and any related services, including **webinars, events, and content** we provide.

By using our website, you agree to comply with these **Terms of Use**. If you do not agree, you should **not use this website**.

1. Definitions

For the purposes of these Terms:

• **"We," "Us," "Our"** refers to Investoria.
• **"You," "User"** refers to any individual or entity accessing Investoria.
• **"Services"** include webinars, blog content, financial insights, event registration, and related features.

2. Use of Our Website

You agree to use **Investoria** only for **lawful purposes** and in compliance with these Terms.

You must NOT:

• Engage in any **fraudulent, misleading, or illegal activities**.
• Attempt to **hack, disrupt, or interfere** with our website or servers.
• Use our content for **unauthorized commercial purposes** without permission.
• Post, share, or transmit **offensive, defamatory, or harmful content**.

3. Intellectual Property

All content on Investoria, including **logos, graphics, text, videos, and images**, is **protected by copyright and trademark laws**.

You may NOT:

• Republish, sell, or distribute any material from Investoria without permission.
• Use our branding or trademarks without authorization.
• Modify or reproduce any content for commercial purposes.

4. Account Registration

To access certain features (such as webinars and exclusive content), you may need to **register an account**. You are responsible for keeping your account details **confidential and secure**.

We reserve the right to:

• Terminate accounts that violate our Terms.
• Restrict access if suspicious activity is detected.

5. Payments & Refund Policy

Some services (e.g., event tickets, premium content) may require payment. **All payments are processed securely** via third-party providers.

Refunds:

• Event tickets are **non-refundable**, except in cases of event cancellation.
• Subscription-based services may offer **partial refunds**, as per individual agreements.
• All disputes regarding payments should be directed to **[email protected]**.

6. Third-Party Links & External Content

Investoria may contain **links to third-party websites** for convenience. We do not endorse or take responsibility for **external websites, services, or privacy policies**.

7. Limitation of Liability

**Investoria is provided "as is" and "as available"** without warranties of any kind. We are **not liable for damages** related to:

• Website errors, disruptions, or service interruptions.
• Loss of data, revenue, or business opportunities.
• Decisions made based on information provided on Investoria.

8. Indemnification

You agree to **defend, indemnify, and hold Investoria harmless** from any claims, damages, or legal actions arising from:

• Your use of our website.
• Violation of these Terms.
• Any infringement of intellectual property rights.

9. Changes to These Terms

We may update these Terms **from time to time**. Changes will be posted on this page, and continued use of the website **constitutes acceptance of the updated Terms**.

10. Governing Law & Jurisdiction

These Terms shall be governed by the laws of **South Africa**. Any disputes shall be resolved in **Johannesburg courts**, unless otherwise agreed.

11. Contact Information

If you have any questions about these Terms, you can contact us:

Email: [email protected]

Address: 44 Stanley Ave, Braamfontein Werf, Johannesburg, 2092

Last Updated: **March 2025**