Terms of Use

I. Definitions

For the purposes of these terms of use ("Terms"), the following expressions shall bear the meanings assigned to them below, save where the context indicates otherwise. "HVR Ventures" or the "Company" means HVR Ventures (Pty) Ltd, a Proprietary Limited (Pty) Ltd duly registered in accordance with the laws of the Republic of South Africa under registration number 8173799074, having its registered address at 214 Lois Avenue, 0181 Pretoria, South Africa. The "Site" means the website located at havrento.site and all pages, subdomains and functionality made available thereon. "Services" means the financial consulting services, advisory engagements, informational content and related offerings marketed and described by the Company through the Site, including any engagement initiated by way of the contact form referred to below. "User" or "you" means any natural or juristic person who accesses, browses or otherwise makes use of the Site. "Content" means all text, graphics, logos, data, analyses, reports and other material appearing on or distributed through the Site. "Subscription Service" means the email subscription facility through which Users may elect to receive newsletters, commentary and updates from the Company. "Contact Form" means the electronic form made available on the Site through which a User may submit an enquiry to the Company. These definitions shall apply throughout these Terms unless the context clearly requires a different meaning.

II. Acceptance and Scope

By accessing or using the Site, a User signifies acceptance of these Terms in their entirety, together with the Company's Privacy Policy and Cookie Policy, which are incorporated herein by reference. If a User does not agree to be bound by these Terms, such User must discontinue use of the Site forthwith. The Company reserves the right, at its sole discretion, to amend, vary or replace these Terms from time to time, and any such amendment shall take effect upon publication on the Site. Continued use of the Site following such publication shall constitute acceptance of the amended Terms. It remains the responsibility of the User to review these Terms periodically.

III. Nature of the Services

HVR Ventures provides financial consulting services to businesses and individuals, including but not limited to strategic financial advisory, structuring guidance, and related commentary published on the Site. Nothing contained on the Site, whether in the form of articles, commentary, downloadable material or general content, constitutes formal financial, investment, tax or legal advice capable of being relied upon without a signed engagement letter or mandate concluded directly with the Company. Any engagement for the provision of financial consulting services shall be governed by a separate written agreement concluded between the Company and the relevant client, and these Terms shall not be construed as constituting such an agreement. Where information published on the Site is of a general or educational nature, the Company gives no warranty that such information is suitable for the particular circumstances of any User.

IV. The Contact Form

The Site makes available a Contact Form through which a User may submit an enquiry, including the User's name, email address, telephone number and the substance of the enquiry. By submitting the Contact Form, the User represents that the information furnished is accurate and that the User is authorised to submit such information, whether on their own behalf or on behalf of a juristic person they represent. Submission of the Contact Form does not, in itself, create any contractual relationship, mandate or engagement between the User and the Company; it constitutes an invitation to treat, and the Company shall respond at its discretion, whereafter the parties may elect to enter into a separate written engagement. The Company's handling of personal information submitted via the Contact Form is governed by its Privacy Policy, adopted in accordance with the Protection of Personal Information Act, 4 of 2013 ("POPIA").

V. The Email Subscription Service

A User may elect to subscribe to the Company's Subscription Service by furnishing an email address for that purpose. By doing so, the User consents to receive periodic communications from the Company concerning financial matters, market commentary, service updates and related material. A User may withdraw such consent and unsubscribe at any time by way of the unsubscribe mechanism contained in each communication, or by written notice to [email protected]. The Company shall give effect to any such withdrawal within a reasonable period, and in any event within the period prescribed by POPIA.

VI. Intellectual Property

All Content appearing on the Site, including but not limited to text, graphics, trademarks, logos and the selection and arrangement thereof, is the property of the Company or its licensors and is protected by the applicable laws of the Republic of South Africa relating to copyright, trademarks and other intellectual property rights. No right, title or interest in or to any Content is transferred to a User by virtue of that User's access to or use of the Site. No Content may be reproduced, distributed, modified or otherwise exploited for commercial purposes without the Company's prior written consent.

VII. Disclaimers and Limitation of Liability

The Site and its Content are made available on an "as is" and "as available" basis. The Company does not warrant that the Site will be uninterrupted, error-free or free of viruses or other harmful components, nor does it warrant the accuracy, completeness or currency of any Content published thereon. To the maximum extent permitted by the applicable law, including the Consumer Protection Act, 68 of 2008, where applicable, the Company excludes all liability for any direct, indirect, incidental, special or consequential loss or damage arising out of or in connection with a User's access to or use of, or inability to access or use, the Site, save to the extent that such liability cannot lawfully be excluded. Nothing in these Terms shall be construed as limiting liability arising from the Company's gross negligence, wilful misconduct or fraud.

VIII. Indemnity

The User agrees to indemnify and hold harmless the Company, its directors, employees and agents against any claim, loss, liability, cost or expense (including reasonable legal costs) arising from the User's breach of these Terms, misuse of the Site, or the submission of false or misleading information through the Contact Form or Subscription Service.

IX. Third-Party Links

The Site may, from time to time, contain links to third-party websites provided for the convenience of Users. The inclusion of such links does not imply endorsement by the Company of the content, products or services offered on such third-party websites, and the Company accepts no responsibility for the availability, accuracy or content thereof.

These Terms shall be governed by and construed in accordance with the laws of the Republic of South Africa. The parties consent to the non-exclusive jurisdiction of the courts of the Republic of South Africa in respect of any dispute arising out of or in connection with these Terms or the use of the Site, without prejudice to the Company's right to institute proceedings in any other competent jurisdiction.

XI. General Provisions

Should any provision of these Terms be found by a competent court or tribunal to be invalid, unlawful or unenforceable, such provision shall be severed from the remainder of these Terms, which shall continue in full force and effect. No failure or delay by the Company in exercising any right under these Terms shall operate as a waiver thereof. These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between the User and the Company in respect of the use of the Site.

XII. Contact

Enquiries concerning these Terms should be directed to HVR Ventures (Pty) Ltd, 214 Lois Avenue, 0181 Pretoria, South Africa, by email to [email protected] or by telephone on +27 12 772 4850. These Terms were last updated in 2026.