Terms of Service

1. Acceptance of Terms

By accessing and using Legacy Vault SA services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Service Description

Legacy Vault SA provides estate planning, tax advisory, and compliance services to individuals and entities in South Africa. Our services include:

• Estate planning consultation and documentation
• Tax calculation tools and advisory services
• Legal compliance assistance
• Document storage and management
• Regulatory filing and submission services

3. Professional Services Disclaimer

4. User Responsibilities

You agree to:

• Provide accurate and complete information
• Keep your account credentials secure
• Comply with all applicable South African laws
• Not use our services for fraudulent or illegal purposes
• Respect intellectual property rights
• Pay all fees and charges promptly

5. Regulatory Compliance

As a licensed financial services provider in South Africa, we operate under:

• Financial Sector Conduct Authority (FSCA) regulations
• Financial Intelligence Centre Act (FICA) requirements
• Protection of Personal Information Act (POPIA)
• South African Revenue Service (SARS) guidelines
• Legal Practice Act and professional conduct rules

6. Limitation of Liability

To the maximum extent permitted by South African law:

• We provide services "as is" without warranties
• Our liability is limited to the fees paid for specific services
• We are not liable for indirect, consequential, or punitive damages
• Professional indemnity insurance covers our professional services
• Nothing limits liability for death, personal injury, or fraud

7. Fees and Payment

Service fees are quoted in South African Rand (ZAR) and include VAT where applicable. Payment terms are net 30 days unless otherwise agreed. Late payment may incur interest charges at the prescribed rate under the National Credit Act.

8. Intellectual Property

All content, software, and materials on our platform are protected by South African and international copyright, trademark, and intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

9. Termination

Either party may terminate services with 30 days written notice. We may terminate immediately for breach of terms, non-payment, or legal requirements. Upon termination, you remain liable for all accrued fees and obligations.

10. Dispute Resolution

These terms are governed by South African law. Disputes will be resolved through:

1. Good faith negotiation
2. Mediation if required
3. Arbitration under South African arbitration law
4. South African courts as a last resort

11. Contact Information

For questions about these Terms of Service, contact:

12. Changes to Terms

We may update these terms from time to time. Material changes will be communicated with 30 days notice. Continued use of our services constitutes acceptance of updated terms.