Terms of Service

1. Acceptance of Terms

By accessing and using the website and services of Inveforth ("we," "us," or "our"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service ("Terms") govern your use of our website, inveforth.co.tz, and any related services provided by Inveforth, including but not limited to investment consultation, financial advisory, and wealth management services.

2. Description of Services

Inveforth provides investment consultation and financial advisory services, including:

• Investment planning and portfolio management
• Wealth management and financial planning
• Retirement planning and strategy development
• Business investment advisory services
• Financial education and market analysis
• Risk assessment and management

Our services are designed to help individuals and businesses make informed financial decisions and achieve their investment goals. However, we do not guarantee specific investment returns or financial outcomes.

3. Eligibility and Registration

3.1 Age Requirements

You must be at least 18 years old to use our services. By using our services, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.

3.2 Account Registration

To access certain features of our services, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your account credentials secure and confidential
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

3.3 Professional Qualifications

Some of our services may require you to meet specific professional qualifications or regulatory requirements. We reserve the right to verify your eligibility for certain services.

4. Investment Risks and Disclaimers

4.1 Investment Risks

All investments carry inherent risks, including but not limited to:

• Market volatility and economic fluctuations
• Loss of principal investment
• Currency exchange rate fluctuations
• Political and regulatory changes
• Liquidity risks
• Inflation and purchasing power risks

4.2 No Guarantees

We do not guarantee:

• Specific investment returns or performance
• Profitability of any investment strategy
• Protection against investment losses
• Accuracy of market predictions or forecasts

4.3 Past Performance

Past performance is not indicative of future results. Historical data and performance information provided by us should not be considered as a guarantee of future performance.

5. Fees and Payment Terms

5.1 Service Fees

Our services may be subject to fees, which will be clearly disclosed before you engage our services. Fees may include:

• Consultation fees
• Management fees
• Transaction fees
• Administrative fees

5.2 Payment Terms

Payment terms will be specified in your service agreement. You agree to pay all fees in a timely manner and in the currency specified. Late payments may result in additional charges or suspension of services.

5.3 Fee Changes

We reserve the right to modify our fee structure with reasonable notice. Any changes will be communicated to you in advance.

6. Intellectual Property Rights

6.1 Our Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, software, and design, is the property of Inveforth or its licensors and is protected by copyright, trademark, and other intellectual property laws.

6.2 License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use our website and services for personal, non-commercial purposes, subject to these Terms.

6.3 Restrictions

You may not:

• Copy, reproduce, distribute, or create derivative works from our content
• Use our content for commercial purposes without permission
• Remove or modify any copyright or proprietary notices
• Reverse engineer or attempt to extract source code from our services

7. User Conduct and Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Illegal Activities: Using our services for any illegal or unauthorized purpose
• Fraud and Misrepresentation: Providing false or misleading information
• Security Violations: Attempting to gain unauthorized access to our systems
• Interference: Disrupting or interfering with our services or other users
• Spam and Harassment: Sending unsolicited communications or harassing other users
• Data Mining: Collecting or harvesting user data without permission

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our collection and use of your information as described in our Privacy Policy.

9. Limitation of Liability

9.1 General Limitation

To the maximum extent permitted by law, Inveforth shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or relating to your use of our services.

9.2 Maximum Liability

Our total liability to you for any claims arising out of or relating to these Terms or our services shall not exceed the amount you paid to us for the specific service giving rise to the claim.

9.3 Exclusions

These limitations do not apply to:

• Personal injury or death caused by our negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded by law

10. Indemnification

You agree to indemnify, defend, and hold harmless Inveforth and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of our services
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Your violation of any third-party rights

11. Termination

11.1 Termination by You

You may terminate your use of our services at any time by providing written notice to us.

11.2 Termination by Us

We may terminate or suspend your access to our services immediately, without prior notice, for any reason, including but not limited to:

• Violation of these Terms
• Fraudulent or illegal activities
• Non-payment of fees
• Discontinuation of services

11.3 Effect of Termination

Upon termination, your right to use our services will cease immediately. We may delete your account and any associated data, subject to our legal obligations to retain certain information.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Tanzania, without regard to its conflict of law provisions.

12.2 Dispute Resolution

Any disputes arising out of or relating to these Terms or our services shall be resolved through:

1. Good faith negotiations between the parties
2. Mediation, if negotiations fail
3. Arbitration or court proceedings, as appropriate

12.3 Jurisdiction

You agree to submit to the exclusive jurisdiction of the courts of Tanzania for the resolution of any disputes.

13. Force Majeure

We shall not be liable for any failure to perform our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to natural disasters, war, terrorism, government actions, or technical failures.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements you enter into with us, constitute the entire agreement between you and Inveforth regarding your use of our services.

16. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the new Terms.

17. Contact Information

If you have any questions about these Terms of Service, please contact us:

• Email: [email protected]
• Phone: +255 22 123 4567
• Address: 123 Investment Street, Dar es Salaam, Tanzania

Last Updated: January 15, 2024