1. Acceptance of Terms

These Terms set out the conditions on which you may use the website located at www.qaloyaafrika.co.za and any associated mobile applications ("Site"). The Site is operated by Qalo Ya Afrika 25 (Pty) Ltd ("Qalo", "we", "us", "our").

By accessing or using the Site, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the Site.

2. Information About Us

Qalo Ya Afrika 25 (Pty) Ltd is a registered company and Financial Services Provider in the Republic of South Africa.

Company Registration Number: 2023/807485/07
Financial Services Provider Number: 53364
Registered Address: 19 Tambach Road, Sunninghill, 2191
Email: info@qaloyaafrika.co.za

3. Accessing Our Site

Access to the Site is permitted on a temporary basis. We may withdraw, suspend, or amend the Site or services without notice. We are not liable if the Site is unavailable at any time.

You are responsible for ensuring that all persons accessing the Site through your internet connection comply with these Terms.

4. Intellectual Property Rights

We own or license all intellectual property rights in the Site and its content. All rights are reserved.

You must not copy, distribute, modify, or use any Site content for commercial purposes without our prior written permission.

Unauthorised use may result in termination of access and legal action.

5. No Reliance on Information Posted

All content on the Site is provided for general information purposes only and does not constitute financial, legal, tax, or professional advice.

We disclaim all liability arising from reliance on Site content.

6. Changes to the Site

We may update or change the Site and its content at any time. Content may be out of date, and we are not obliged to update it.

7. Our Liability

To the fullest extent permitted by South African law, we exclude all representations, warranties, and conditions relating to the Site and its content.

We will not be liable for any loss or damage arising from use of or inability to use the Site, including loss of profits, data, business, or reputation.

Nothing limits liability for death or personal injury due to negligence, fraud, or any liability that cannot be excluded by law.

8. Information About You and Your Visits

We process personal information in accordance with our Privacy Policy. By using the Site, you consent to such processing and warrant that information provided is accurate.

9. Viruses, Hacking, and Other Offences

You must not misuse the Site by introducing malicious material or attempting unauthorised access.

Such actions constitute criminal offences under the Cybercrimes Act 19 of 2020 and will be reported to authorities.

10. Linking, Framing, and Scraping

You may link to our homepage only with prior written consent and in a lawful manner.

You must not frame, scrape, extract, or republish Site content without permission.

11. Links From Our Site

Links to third-party sites are provided for information only. We accept no responsibility for their content or any resulting loss or damage.

12. Governing Law and Applicable Legislation

These Terms are governed by the laws of the Republic of South Africa, and you submit to the exclusive jurisdiction of South African courts.

Applicable legislation includes:

• FAIS Act, 37 of 2002
• POPIA, 4 of 2013
• Companies Act, 71 of 2008
• Consumer Protection Act, 68 of 2008
• Co-operatives Act, 14 of 2005
• FICA, 38 of 2001
• ECTA, 25 of 2002
• Cybercrimes Act, 19 of 2020
• National Credit Act, 34 of 2005 (where applicable)

13. Variations

We may revise these Terms at any time. You are responsible for reviewing this page periodically.

14. Your Concerns

If you have concerns about Site content, contact us at info@qaloyaafrika.co.za.

15. Risk Warning

Investing in start-ups and early-stage businesses involves significant risk, including loss of capital and illiquidity.

Investments are directed only at eligible investors under South African law and do not constitute public offers.

16. Conflict of Interest Disclosure

Shareholders, employees, and directors may invest in opportunities listed on the Site, provided no material conflict of interest exists.

All such investments occur on identical terms to those available to the public.

17. Fees

All subscription or membership fees paid to Qalo Ya Afrika are non-refundable.