Terms governing our advisory relationship

1. Who we are

This website is operated by Rivermark Advisory (Pty) Ltd, a private company incorporated in South Africa under registration number 2016/348217/07, registered for VAT under number 4720184639, with its registered office at 18 Kloof Street, Gardens, Cape Town, 8001, South Africa. In these terms, "we", "us" and "our" refer to Rivermark Advisory (Pty) Ltd.

You can reach us by telephone on +27 21 418 2937 or by email at info@ostavio.pro.

2. Acceptance of these terms

By accessing or using this website, or by engaging Rivermark Advisory for advisory services, you agree to be bound by these Terms of Use, our Privacy Policy and our Cookie Policy. If you do not agree with any part of these terms, please discontinue use of the site and do not engage our services.

3. Nature of the services

Rivermark Advisory provides tax strategy, retirement and trust planning, and wealth planning advisory services to individuals and businesses in South Africa. Content published on this website — including articles, guides, stated figures and general commentary — is provided for general informational purposes only and does not constitute individualised financial, tax, legal or investment advice.

Formal advisory engagements are only established through a signed letter of engagement or written agreement between you and Rivermark Advisory (Pty) Ltd, which will set out the specific scope, fees and terms applicable to that engagement. Nothing on this website should be relied upon as a substitute for personalised advice obtained through such an engagement.

4. Eligibility and use of the site

You may use this website only for lawful purposes and in a manner consistent with these terms. You agree not to:

• use the site in any way that breaches applicable South African law, including the Consumer Protection Act, 2008 and the Electronic Communications and Transactions Act, 2002;
• attempt to gain unauthorised access to our systems, servers or any data held by us;
• introduce viruses, malware or other harmful material to the site;
• scrape, copy or reproduce substantial parts of the site's content without our prior written consent;
• use automated means to access the site in a manner that places an unreasonable load on our infrastructure.

5. Intellectual property

All content on this website — including text, graphics, the Rivermark Advisory name, logo, layout and design — is owned by or licensed to Rivermark Advisory (Pty) Ltd and is protected by South African copyright and trademark law. You may view and print pages for your own personal, non-commercial reference, but you may not reproduce, distribute or create derivative works from any part of this site without our prior written permission.

6. Enquiries and contact forms

When you submit an enquiry through our contact form, you confirm that the information you provide is accurate and that you have the authority to submit it. Submitting an enquiry does not, by itself, create an advisory or client relationship with Rivermark Advisory. We aim to respond to enquiries within one business day, but we do not guarantee a specific response time.

7. No warranty

While we take reasonable care to keep the information on this website accurate and up to date, we make no representation or warranty, express or implied, as to the completeness, accuracy, reliability or suitability of the content for any particular purpose. Tax legislation, regulatory thresholds and financial planning considerations referenced on this site may change, and figures cited may become outdated. The website and its content are provided "as is" and "as available".

8. Limitation of liability

To the maximum extent permitted by South African law, Rivermark Advisory (Pty) Ltd, its directors, employees and agents shall not be liable for any direct, indirect, incidental, special or consequential loss or damage arising from your use of, or inability to use, this website, or from any reliance placed on general content published on it. Nothing in these terms limits liability that cannot lawfully be excluded, including liability for gross negligence or wilful misconduct.

Liability arising from a formal advisory engagement is governed exclusively by the terms of the relevant signed letter of engagement, not by this website's Terms of Use.

9. Third-party links

This website may contain links to third-party websites or resources provided for convenience. We do not control and are not responsible for the content, accuracy or practices of any linked third-party site, and inclusion of a link does not imply endorsement.

10. Indemnity

You agree to indemnify and hold Rivermark Advisory (Pty) Ltd harmless against any claims, losses, liabilities or expenses arising from your misuse of this website or your breach of these terms.

11. Changes to these terms

We may update these Terms of Use from time to time to reflect changes in our services, applicable law or operating practices. The revised terms will take effect from the date they are published on this page. Continued use of the website after changes are published constitutes acceptance of the updated terms.

12. Governing law and jurisdiction

These Terms of Use are governed by the laws of the Republic of South Africa. Any dispute arising out of or in connection with these terms or your use of this website shall be subject to the non-exclusive jurisdiction of the South African courts having jurisdiction over Cape Town.

13. Severability

If any provision of these terms is found to be invalid or unenforceable under applicable law, that provision shall be deemed modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

14. Contact us

For questions about these Terms of Use, please contact Rivermark Advisory (Pty) Ltd at our registered office, 18 Kloof Street, Gardens, Cape Town, 8001, South Africa, by telephone on +27 21 418 2937, or by email at info@ostavio.pro.

Company details

Legal entity	Rivermark Advisory (Pty) Ltd
Company type	(Pty) Ltd
Registration number	2016/348217/07
VAT number	4720184639
Register / court	CIPC Cape Town
Registered address	18 Kloof Street, Gardens, Cape Town, 8001, South Africa
Telephone	+27 21 418 2937
Email	info@ostavio.pro