Terms of Service

Last updated: January 15, 2024

Welcome to MoneyToday. These Terms of Service ("Terms") govern your use of our website and services. By accessing or using MoneyToday, you agree to be bound by these Terms and our Privacy Policy.

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. About MoneyToday

MoneyToday is a South African financial lifestyle blog that provides:

• Financial news and market updates
• Product reviews of financial services
• Profiles of South African entrepreneurs
• Educational content about personal finance
• Investment insights and market analysis

3. Use License

Permission is granted to temporarily download one copy of the materials on MoneyToday's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• modify or copy the materials
• use the materials for any commercial purpose or for any public display (commercial or non-commercial)
• attempt to decompile or reverse engineer any software contained on MoneyToday's website
• remove any copyright or other proprietary notations from the materials

This license shall automatically terminate if you violate any of these restrictions and may be terminated by MoneyToday at any time.

4. Content and Intellectual Property

Our Content

All content on MoneyToday, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of MoneyToday or its content suppliers and is protected by South African and international copyright laws.

User-Generated Content

When you submit content to our website (such as comments or feedback), you grant MoneyToday a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and distribute such content for the purpose of operating and improving our services.

5. Financial Information Disclaimer

No Financial Advice: MoneyToday does not provide personalized financial advice. Our content is for informational purposes only and should not be relied upon as a substitute for professional financial consultation.

Investment Risks: All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results.

Product Reviews: Our reviews are based on publicly available information and our editorial assessment. We strive for accuracy but cannot guarantee completeness.

6. User Conduct

You agree not to use the service:

• For any unlawful purpose or to solicit others to engage in unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To spam, phish, pharm, pretext, spider, crawl, or scrape
• For any obscene or immoral purpose
• To interfere with or circumvent the security features of the service

7. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the website, to understand our practices.

8. Prohibited Uses

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code
• To collect or track the personal information of others
• To spam, phish, pharm, pretext, spider, crawl, or scrape
• For any obscene or immoral purpose
• To interfere with or circumvent the security features of the Service or any related website

9. Analytics and Cookies

We may use third-party service providers to monitor and analyze the use of our service. These third parties have access to your personal data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

10. Disclaimers

The information on this website is provided on an "as is" basis. To the fullest extent permitted by law, MoneyToday:

• excludes all representations and warranties relating to this website and its contents
• excludes all liability for damages arising out of or in connection with your use of this website

11. Limitations of Liability

In no event shall MoneyToday, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, punitive, consequential, or special damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the service.

12. Indemnification

You agree to defend, indemnify, and hold harmless MoneyToday and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees).

13. Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the service will cease immediately.

14. Governing Law

These Terms shall be interpreted and governed by the laws of South Africa. Any dispute arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of South Africa.

15. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

16. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

17. Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under this Terms shall not effect a party's ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute a waiver of any subsequent breach.

18. Contact Information

If you have any questions about these Terms of Service, please contact us: