Terms and Conditions

Service Agreement

These Terms and Conditions govern your use of quolivethonline.com financial coaching services. By accessing our website and utilizing our services, you enter into a binding agreement with us.

Please read these terms carefully before using our services. Your continued use indicates acceptance of these terms.

Last updated: June 26, 2025

Definitions

For the purposes of these Terms and Conditions:

• Service: Refers to the financial coaching, educational content, and capital management guidance provided by quolivethonline.com
• User: Refers to any individual accessing or using our website and financial coaching services
• Content: Refers to all educational materials, advice, and information provided through our platform
• Company: quolivethonline.com

Acceptance of Terms

By accessing our website or using our financial coaching services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Acceptable Use

When using our financial coaching services, you agree to the following usage guidelines:

Permitted Uses

• Access educational content for personal financial learning and development
• Participate in coaching sessions and use provided materials responsibly
• Communicate respectfully with our coaching staff and support team

Prohibited Activities

• Sharing login credentials or accessing services on behalf of others
• Copying, distributing, or reproducing our proprietary educational content
• Using our services for illegal activities or fraudulent purposes
• Attempting to disrupt or compromise our website security or functionality

Intellectual Property

All content, materials, and resources provided through our financial coaching platform are the intellectual property of quolivethonline.com and are protected by copyright and other intellectual property laws.

You may not reproduce, distribute, or create derivative works from our content without explicit written permission.

User-Generated Content

Any information, feedback, or content you provide during coaching sessions or through our platform remains your property.

By using our services, you grant us a limited license to use your feedback for improving our coaching services.

You are responsible for ensuring that any information you provide is accurate and not misleading.

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 forms part of these Terms and Conditions.

Payment Terms

Payment for our financial coaching services is subject to the following terms:

• All fees must be paid in advance before accessing coaching services
• Prices are quoted in South African Rand (ZAR) and include applicable taxes
• Refunds are provided according to our refund policy as outlined in service agreements

Service Disclaimer

Our financial coaching services are provided for educational purposes. We do not provide personalized financial advice for specific investment decisions.

Limitation of Liability

quolivethonline.com shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our coaching services.

Our liability is limited to the amount you paid for our services in the preceding 12 months.

Indemnification

You agree to indemnify and hold quolivethonline.com harmless from any claims, damages, or losses arising from your use of our services or violation of these terms.

Termination

We reserve the right to terminate or suspend your access to our services if you violate these Terms and Conditions or engage in prohibited activities.

Upon termination, your right to access our services will cease immediately.

Governing Law

These Terms and Conditions are governed by the laws of South Africa. Any disputes will be resolved in the competent courts of South Africa.

Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be posted on our website with an updated effective date.

Continued use of our services after changes constitutes acceptance of the modified terms.

Contact Information

For questions about these Terms and Conditions, please contact us: