These terms govern your use of xyphaveltora.com investment consultation services effective June 27, 2025.
By booking a consultation, you agree to these terms and acknowledge that investment advice is provided for informational purposes based on your specific financial situation and goals.
Our investment consultations include financial planning advice, portfolio analysis, risk assessment, and investment strategy recommendations based on current market conditions and your individual circumstances.
All consultations are conducted by qualified financial professionals in accordance with South African financial services regulations and industry best practices.
Consultation fees range from R1,500 to R7,500 per hour depending on service level. Payment is due at time of service unless alternative arrangements are made in advance.
Clients must provide accurate financial information, disclose relevant circumstances affecting investment decisions, and understand that final investment decisions remain their responsibility.
All investments carry risk of loss. Market volatility, economic conditions, and other factors may affect investment performance. Past results do not guarantee future returns.
We maintain strict confidentiality of all client financial information and consultation discussions in accordance with professional standards and privacy regulations.
Our liability is limited to the consultation fee paid. We are not responsible for investment losses resulting from market conditions or client investment decisions.
Consultations may be cancelled up to 24 hours in advance without penalty. Late cancellations may incur fees.
Any disputes will be resolved through good faith negotiation or mediation under South African law.
Questions regarding these terms should be directed to info@xyphaveltora.com or +27 11 482 1572.