Terms of Use

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This web site is supplied on an “as is” basis without any warranties and has not been compiled or supplied to meet the user’s individual requirements. It is the sole responsibility of the user to satisfy itself prior to entering into this agreement with Toro Financial Planners that the service available from and through this web site will meet the user’s individual requirements. Utmost care and attention has been taken to ensure compatibility with the user’s hardware and/or software, but this cannot be guaranteed.

By accessing this website the visitor acknowledges that s/he has read, understood and agreed to be bound by these terms and to comply with all applicable laws and regulations. Toro Financial Planners grants permission to use materials on this website on a single computer for the visitor’s personal or internal business use provided that the visitor does not modify the materials or disseminate the materials to a third party for commercial gain. This permission terminates immediately if the visitor breaches this Agreement. If the visitor does not agree to these terms, then the visitor is not entitled to use this website.

Unless otherwise indicated, Toro Financial Planners reserves all ownership in the content and design of this website. Except as otherwise indicated, a visitor may not, in any form, or by any means reproduce, store in a retrieval system, display, publish or create derivative works from any part of the content or design of this website. Nothing on this website should be construed as granting any license or other legal right to use the materials on or design of this website. If a visitor believes in good faith that any website materials infringe known legal intellectual property rights, s/he should notify Toro Financial Planners in writing of the alleged infringement and Toro Financial Planners will then take any appropriate action.

Where applicable, Toro Financial Planners does acquire written permission to publish materials authored by 3rd parties

Toro Financial Planners and its agents and representatives shall not be liable for any damage, loss or liability arising from the misuse or inability to use this web site or the services, content or information dissemination from this web site.

The material on this web site contains matters intended to be of interest and is offered free of charge. It may be updated and amended from time to time. Whilst Toro Financial Planners takes care to compile the material, it may not reflect the most recent developments. Information on this website may contain technical inaccuracies or typographical errors. Information, ideas and opinions expressed on this site should not be regarded as professional advice or the official opinion of Toro Financial Planners. Users are encouraged to consult with a representative authorised to render financial advice before taking any course of action related to information, ideas or opinions expressed on this site.

Toro Financial Planners may, in its sole discretion, change this agreement or any part thereof at any time without notice.

Toro Financial Planners does not warrant that this website is free from anything which may damage any computer, or its data, that accesses the website. The visitor is uniquely responsible to ensure that whatever s/he uses is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

To the fullest extent permitted by law, Toro Financial Planners disclaims all warranties, be they express or implied, including, but not limited to, implied warranties of merchantability, title and infringement of intellectual property rights or fitness for a particular purpose. Without limitation, Toro Financial Planners does not warrant the accuracy of the materials or the uninterrupted nature of the website’s functions.

To the maximum extent permitted by law, Toro Financial Planners excludes completely all liability to any person for loss or damage of any kind (however caused, including by negligence) arising from or relating in any way to a visitor’s use of this website. To the maximum extent permitted by law, under no circumstances shall Toro Financial Planners, its predecessors, successors, parents, subsidiaries, investors, affiliates, officers, directors, shareholders, employees, agents, representatives, attorneys and their respective heirs, successors be liable for any damages, including direct, incidental, punitive, special, consequential, or exemplary damages that directly or indirectly result from the use of, or the inability to use, this website or the information contained on the website, including for viruses alleged to have been obtained from the website.

As a condition of your use of the Toro Financial Planners website, you warrant to that you will not use the site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the web site in any manner, which could damage, disable, overburden, or impair the Toro Financial Planners web site or interfere with any other party's use and enjoyment of the said website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Toro Financial Planners website

Toro Financial Planners reserves the right to seek all remedies available at law and in equity for violations of these terms of use. This agreement is governed and interpreted pursuant to the laws of South Africa, notwithstanding any principles of conflicts of law. The visitor expressly agrees that exclusive jurisdiction resides in the courts of South Africa, and that the visitor expressly consents to the exercise of personal jurisdiction over him/her in connection with any dispute relating to this website. If any part of these terms is determined by a court with jurisdiction to be unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of the remaining provisions.