Terms of Use

These terms are entered into on the basis of section 11 of the Electronic Communications and Transactions Act 25 of 2002, which recognises agreements concluded by electronic means, and govern access to and use of the website operated at dovrano.site by Dovrano & Sons Financial Consulting (Pty) Ltd (Proprietary Limited (Pty) Ltd), trading as Dovrano & Sons ("we", "us"). By accessing this website, submitting the contact form, or subscribing to our email list, you accept these terms.

1. Identity of the Service Provider

2. Nature of the Service

Dovrano & Sons provides financial consulting services and publishes informational content on this website. The website itself provides no financial advice; any content published is general in nature and does not constitute advice as contemplated in the Financial Advisory and Intermediary Services Act 37 of 2002. Specific advice is only rendered under a separate signed engagement letter.

3. Use of the Contact Form

The contact form is provided so that prospective and existing clients may request information or initiate an engagement. You warrant that any information you submit is accurate and that you have the right to submit it. We are not liable for decisions taken on the basis of preliminary correspondence exchanged before a formal engagement is concluded.

4. Email Subscription

The email subscription service is opt-in. By subscribing you consent to receive periodic communications from us relating to our consulting services. You may withdraw consent at any time using the unsubscribe link in any communication or by writing to info@dovrano.site.

5. Intellectual Property

All text, graphics, logos and other content on this website are the property of Dovrano & Sons Financial Consulting (Pty) Ltd or its licensors and are protected under the Copyright Act 98 of 1978. No content may be reproduced, distributed or adapted without our prior written consent, save for personal, non-commercial reference.

6. Acceptable Use

You may not use this website to transmit unlawful, defamatory, or harmful material, to attempt unauthorised access to our systems, or to interfere with the website's operation. We reserve the right to restrict access to any user who breaches this clause.

7. No Warranty

The website and its content are provided "as is". We do not warrant that the website will be uninterrupted, error-free, or free of harmful components. To the extent permitted by the Consumer Protection Act 68 of 2008, we disclaim liability for indirect or consequential loss arising from use of the website.

8. Limitation of Liability

Our liability arising from use of this website is limited to direct damages caused by our gross negligence or wilful misconduct. Nothing in these terms limits liability that cannot lawfully be excluded under South African law.

9. Third-Party Links

This website may link to third-party sites. We do not control and are not responsible for the content or privacy practices of such sites.

10. Personal Information

Processing of personal information collected through the contact form and email subscription is governed by our Privacy Policy, published in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA), and available at dovrano.site/privacy.html.

11. Variation

We may amend these terms at any time by publishing an updated version on this page. Continued use of the website after publication constitutes acceptance of the amended terms.

12. Governing Law and Jurisdiction

These terms are governed by the laws of the Republic of South Africa. The parties submit to the non-exclusive jurisdiction of the South African courts.

13. Contact

Queries regarding these terms should be directed to Dovrano & Sons Financial Consulting (Pty) Ltd, 48 Cradock Street, Wilderness Heights, 6530 George, South Africa, email info@dovrano.site, telephone +27 44 910 9522.