These Terms and Conditions govern your use of lavernothius.com investment consulting services. By engaging our services, you agree to these terms.
Services lavernothius.com provides investment consulting services on an hourly basis. Our services include portfolio analysis, investment recommendations, risk assessment, and strategic planning. We do not provide investment management or execution services.
Professional Relationship Our relationship is that of independent investment consultant and client. We are not your investment manager, broker, or fiduciary unless explicitly agreed in writing.
Fees and Payment Consultation fees are charged on an hourly basis as outlined in our pricing schedule. Payment is due within 30 days of invoice date. Late payments may incur interest charges at the prime rate plus 2%.
Client Responsibilities You are responsible for:
Limitations of Service Our recommendations are based on information available at the time of consultation. Market conditions change rapidly, and past performance does not guarantee future results. We cannot guarantee specific investment outcomes.
Confidentiality We maintain strict confidentiality regarding your personal and financial information in accordance with professional standards and applicable laws.
Liability Limitation Our liability is limited to the fees paid for the specific consultation session. We are not liable for investment losses, market volatility, or decisions made independently by clients.
Regulatory Compliance Our services are provided in compliance with South African financial services regulations. We are authorized by the Financial Sector Conduct Authority (FSCA).
Termination Either party may terminate the consulting relationship with written notice. Fees for completed services remain due and payable.
Dispute Resolution Any disputes will be resolved through mediation, and if necessary, arbitration under South African law in Johannesburg.
Intellectual Property All reports, analysis, and recommendations remain our intellectual property but are licensed for your personal use.
Amendments These terms may be updated periodically. Continued use of our services constitutes acceptance of revised terms.
Contact: info@lavernothius.com | +27 11 234 5678
Effective Date: June 21, 2025