Terms and Conditions of Use
These terms and conditions govern your use of julivarantos.sbs, a household budgeting and financial advice resource. Please read them carefully before using our website.
Last updated on April 1, 2026
Acceptance of Terms
By accessing and using julivarantos.sbs, you agree to be bound by these terms. If you do not agree, please refrain from using the website. Continued use signifies acceptance of periodic updates to these conditions.
Definitions
Key terms used throughout our terms and conditions are listed below for clarity.
‘Website’ means julivarantos.sbs, an informational resource for household budgeting in South Africa.
‘Content’ refers to all text, images, articles, and guides available on the site.
‘User’ means any individual visiting or interacting with the site and its tools.
‘Team’ includes contributors, advisors, and administrators for the site.
Use of Services
The website is intended for household guidance and informational purposes only. No personal financial or investment advice is given or implied.
Eligibility
You must be at least 18 years old to use interactive elements of this site or submit requests for guidance.
Use for minors is not permitted.
User Responsibilities
Users are expected to act respectfully and within legal boundaries. The following outlines key responsibilities.
Prohibited Conduct
The following actions are strictly not allowed:
Intellectual Property Rights
All content is the exclusive property of julivarantos.sbs, unless clearly attributed otherwise. You may view and share articles for personal use but not reproduce or distribute for commercial purposes without permission.
User Content and Feedback
When submitting content or suggestions, you confirm that you own the rights or have permission to share that information.
Rights over User Content
By submitting material, you grant us a non-exclusive right to use your feedback for improving site offerings.
Privacy and Data Security
Your data is collected only for enquiry handling and technical operation. More detail is in our Privacy Policy. We take care to protect your privacy.
Read Privacy PolicyNo Financial Advice Disclaimer
Site content is for informational purposes and is not a substitute for professional financial advice.
Risk Warning
Financial and budgeting outcomes may vary. Please consult a qualified professional before making significant decisions. Past performance doesn't guarantee future results.
Liability Limitation
We do not accept liability for losses due to reliance on our website content. Use the information provided at your own discretion.
Indemnification
You agree to indemnify us against claims or damages arising from your misuse of the website or submitted materials.
Dispute Resolution Process
If a dispute arises, contact us to seek resolution before pursuing further action.
Arbitration
If disputes cannot be resolved, arbitration may take place according to South African law.
Arbitration location will be chosen reasonably for all parties.
Online Dispute Resolution
You may also contact an appropriate alternative dispute resolution body if you wish.
Find out more hereSeverability
If any provision is invalid, the remaining terms remain in effect.
Entire Agreement
These terms constitute the full agreement between julivarantos.sbs and users, superseding prior versions.
Applicable Law
South African law applies to these terms and your use of the site.
Termination
We reserve the right to suspend or terminate access for breaching terms or legal obligations.
Changes
These terms may be updated as needed. Continued use after updates means you accept them.
Contact and Enquiries
Questions regarding these terms? Reach out to us below.
Email Address: content@julivarantos.sbs
Phone: +27(28)8738070
Address: 5 Buitengracht Street, CBD, Cape Town 8001 South Africa
Effective Date: April 1, 2026
Version: 1.3