Terms of Use and Privacy Policy

1.1Your use of this website and any other websites operated by VGH Financial & Business Advisory (“VGH”) is subject to these Terms and Conditions, including any documents referenced herein.

1.2You should read these Terms and Conditions carefully before accessing this website, submitting information through any forms, requesting services, or participating in any online communication facilitated by VGH.

1.3By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

All intellectual property appearing on this website, including but not limited to content, trademarks, logos, branding, designs, software, databases, text, graphics, icons, images, documentation, reports, templates, and other materials, are the exclusive property of VGH Financial & Business Advisory or its licensors.

Users may not copy, reproduce, distribute, modify, republish, transmit, display, reverse engineer, decompile, or otherwise exploit any content from this website without prior written consent from VGH Financial & Business Advisory.

All rights not expressly granted are reserved.

3.1When you complete an online form, submit an enquiry, request information, or send an email to VGH Financial & Business Advisory, you consent to receiving communications electronically.

3.2You acknowledge that clicking submission buttons, accepting quotations, approving engagements, or submitting information electronically may constitute a legally binding expression of intent.

4.1This website may contain links to third-party websites for informational purposes. VGH Financial & Business Advisory has no control over such websites and accepts no responsibility for their content, services, security, or privacy practices.

4.2No person may establish a link to this website, deep-link to internal pages, or frame any content from this website without the prior written consent of VGH Financial & Business Advisory.

The use of automated software, bots, crawlers, spiders, scraping technologies, or similar mechanisms to access, extract, or monitor information from this website is prohibited where such activities may interfere with website performance, compromise security, or infringe upon intellectual property rights.

6.1VGH Financial & Business Advisory does not warrant that this website will be uninterrupted, error-free, secure, or free from harmful components.

6.2This website is provided on an “as is” and “as available” basis. Users access and use this website entirely at their own risk.

6.3Information published on this website is provided for general informational purposes only and should not be construed as professional financial, accounting, tax, legal, investment, or business advice unless expressly stated otherwise.

6.4No information contained on this website constitutes a binding offer to provide services.

6.5Any engagement between VGH Financial & Business Advisory and a client shall only commence upon acceptance of a written quotation, engagement letter, service agreement, or other written confirmation by VGH.

6.6VGH Financial & Business Advisory shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from reliance upon information contained on this website.

6.7Users remain responsible for obtaining independent professional advice appropriate to their specific circumstances.

7.1The specific terms applicable to any service provided by VGH Financial & Business Advisory shall be governed by the relevant quotation, engagement letter, service agreement, proposal, or contract entered into between the parties.

7.2Fees paid for consulting, advisory, accounting, tax, compliance, or other professional services may not be refundable once work has commenced, unless otherwise agreed in writing.

7.3Should VGH Financial & Business Advisory fail to deliver services substantially in accordance with the agreed scope of work, reasonable remedial measures shall be undertaken to resolve the matter.

7.4Refunds, where applicable, shall be governed by South African consumer protection legislation and the specific service agreement concluded between the parties.

Should any provision of these Terms and Conditions be deemed invalid, unlawful, or unenforceable by a competent court, the remaining provisions shall remain in full force and effect.

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the Republic of South Africa.

Any disputes arising from the use of this website shall be subject to the jurisdiction of the South African courts.

10.1VGH Financial & Business Advisory is committed to protecting the privacy and confidentiality of all personal information collected through this website.

10.2Personal information will only be collected where voluntarily provided by users through enquiries, service requests, registrations, consultations, or other interactions.

10.3Information may be used to provide services, communicate with clients, improve service delivery, comply with legal obligations, and maintain business records.

10.4Personal information shall be processed in accordance with the Protection of Personal Information Act, 2013 (POPIA).

10.5VGH Financial & Business Advisory will not disclose personal information to third parties except where required by law, authorised by the user, or necessary for service delivery.

10.6By using this website, users consent to the collection, processing, and storage of personal information for lawful business purposes.

11.1Reasonable technical and organisational measures are implemented to safeguard information stored by VGH Financial & Business Advisory.

11.2Users are responsible for maintaining the confidentiality of any login credentials provided to them.

11.3Any unauthorised attempt to gain access to this website, systems, databases, or information shall constitute a violation of these Terms and may result in civil and/or criminal proceedings.

VGH Financial & Business Advisory reserves the right to amend these Terms and Conditions at any time without prior notice. Continued use of the website following such amendments constitutes acceptance of the revised terms.

Any dispute arising from these Terms and Conditions shall first be addressed through good-faith negotiations between the parties before legal proceedings are instituted.

For all legal notices and communications, VGH Financial & Business Advisory chooses the following domicilium citandi et executandi:

Nommer 1 Donnax Sierra, 5A Marylebone Street, Midstream Estate, Brakfontein Road, Ekurhuleni, South Africa.

These Terms and Conditions shall remain effective for as long as the user accesses or uses the website and may be terminated by VGH Financial & Business Advisory at its discretion where misuse, unlawful activity, or breach of these Terms occurs.