Terms and Conditions (T&C)

1. Terms and Conditions (T&C)

Introduction
These Terms and Conditions (“Terms”) govern your use of Streamline Estate Wealth Management.com (“we”, “our”, “us”). By accessing or using this website, you agree to be bound by these Terms and all applicable laws and regulations.

Use of Website

  • You agree to use this website in accordance with applicable laws and regulations.
  • You will not engage in any activity that could damage, disable, or impair the functionality of this website.
  • We reserve the right to modify or discontinue the website at any time without notice.

Intellectual Property

  • All content on this website, including text, images, logos, and trademarks, are the property of Streamline Estate Wealth Management.com and are protected by intellectual property laws.
  • You may not copy, reproduce, or distribute any content without prior written consent.

Limitation of Liability

  • We are not liable for any damages arising from the use or inability to use this website.
  • We make no representations or warranties regarding the accuracy, reliability, or completeness of the content on this website.

Dispute Resolution

  • Any disputes arising from the use of this website shall be resolved through arbitration in accordance with South African law.

Governing Law

  • These Terms shall be governed by the laws of South Africa.

2. Refund & Return Policy

Refunds and Returns
We aim to ensure your satisfaction with every purchase made through Streamline Estate Wealth Management.com. If you are not completely satisfied, we offer the following:

  • Returns are accepted within [X] days of delivery for eligible products.
  • To be eligible for a return, the product must be unused, undamaged, and in its original packaging.
  • Refunds will be processed after the returned product is inspected, and the amount will be credited to your original payment method.
  • We are not responsible for return shipping costs unless the product is defective or damaged.

Consumer Rights
Under the Consumer Protection Act (CPA), you are entitled to a full refund or exchange if the product is faulty or not as described.

3. Cookie Policy

What Are Cookies?
Cookies are small text files that are stored on your device when you visit Streamline Estate Wealth Management.com. These files help us improve the functionality and performance of our site, personalise content, and analyse traffic.

How We Use Cookies

  • We use cookies to enhance user experience, track site activity, and remember preferences.
  • Some cookies are essential for the website’s functionality, while others are used for analytics and advertising purposes.

Managing Cookies

  • You can manage or disable cookies through your browser settings. Please note that some website features may not function properly if cookies are disabled.

Consent
By using this website, you consent to the use of cookies in accordance with this policy.

4. POPIA Compliance Document

Collection of Personal Information
We collect personal information, including but not limited to, your name, email address, and payment information, when you interact with Streamline Estate Wealth Management.com. We collect this data only with your consent and for the purposes outlined in this document.

Use of Personal Information
We use your personal information to:

  • Process transactions
  • Respond to inquiries
  • Improve our services
  • Send promotional offers (if you have consented to marketing communications)

Protection of Personal Information
We take reasonable steps to safeguard your personal information from unauthorized access, disclosure, alteration, or destruction.

Your Rights
Under POPIA, you have the right to:

  • Request access to your personal information
  • Correct any inaccuracies in your data
  • Object to processing or request deletion of your data

Data Retention
We will retain your personal information only for as long as necessary to fulfil the purposes outlined in this policy or as required by law.

5. E-commerce Terms (for Online Sales)

Payment

  • Payments are processed through secure payment gateways, and we accept [list payment methods].
  • All transactions are in [currency] and are subject to applicable taxes.

Delivery

  • We will process and ship your order within [X] business days of payment confirmation.
  • Delivery costs will be calculated at checkout, based on your shipping address.
  • We are not responsible for any delays caused by third-party shipping carriers.

Customer Obligations

  • You must provide accurate and complete information during the purchase process.
  • You are responsible for any customs duties or import taxes that may apply to international shipments.

6. Disclaimer

General Disclaimer
The information provided on this website is for general informational purposes only. While we make every effort to ensure the accuracy of the content, we do not guarantee the completeness, reliability, or suitability of any information.

Financial Advice Disclaimer
If we provide financial or investment advice, it should be regarded as general advice only and not as personalised financial guidance. You should consult a qualified professional before making any financial decisions.

7. POPIA (Protection of Personal Information Act) Notice

As required by POPIA, we are committed to protecting the privacy and confidentiality of your personal information. For more details, please refer to our Privacy Policy.