Terms of Use

Last updated: 12 February 2026

These Terms of Use ("Terms") form a legally binding agreement between you ("you", "the user") and Cormelis Financial Advisory (Pty) Ltd ("Cormelis", "we", "us", "our"). By accessing or using the website at cormelis.pro ("the Website"), you agree to be bound by these Terms. If you do not agree, please do not use the Website.

1. Who we are

The Website is operated by the following entity. This information is provided in accordance with the Electronic Communications and Transactions Act, 2002 (ECTA) and the Consumer Protection Act, 2008 (CPA).

• Registered name: Cormelis Financial Advisory (Pty) Ltd
• Company type: Private company (Pty) Ltd
• Registration number: 2019/408273/07
• Registry: CIPC (Companies and Intellectual Property Commission)
• VAT registration number: 4720398165
• Registered address: 48 Kloof Street, Gardens, 8001, Cape Town, South Africa
• Telephone: +27 21 486 3920
• Email: info@cormelis.pro

2. Scope of the Website

The Website provides general information about our financial advisory services and related resources. Content on the Website is provided for general informational purposes only and is directed at users in South Africa. Access to the Website does not, by itself, create an advisory relationship between you and us.

3. No financial advice

Information published on the Website is general in nature and does not constitute financial, investment, tax, legal or accounting advice. It does not take into account your individual circumstances, objectives or financial situation. You should not rely on any content on the Website as a substitute for professional advice tailored to your specific needs. A formal advisory engagement is only established through a signed written agreement between you and Cormelis, which will set out the applicable scope, fees and terms.

4. Use of the Website

You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of the Website by, any third party. In particular, you agree not to:

• use the Website in any way that breaches applicable laws or regulations;
• attempt to gain unauthorised access to the Website, its servers or any connected systems;
• introduce viruses, malicious code or any other harmful material;
• reproduce, duplicate, copy, resell or exploit any part of the Website for commercial purposes without our prior written consent.

5. Intellectual property

All content on the Website — including text, graphics, logos, the Cormelis wordmark, layout, and the underlying design system — is owned by or licensed to Cormelis Financial Advisory (Pty) Ltd and is protected by South African and international intellectual property laws. You may view and print content for your personal, non-commercial use only. Any other use requires our prior written permission.

6. Third-party links

The Website may contain links to third-party websites. These links are provided for your convenience only. We have no control over, and accept no responsibility for, the content, policies or practices of any third-party website. The inclusion of a link does not imply endorsement.

7. Availability

We aim to keep the Website available and accurate, but we do not guarantee that it will be uninterrupted, error-free or free from viruses. We reserve the right to suspend, withdraw or restrict the availability of all or any part of the Website for operational, maintenance or other reasons without notice.

8. Limitation of liability

To the maximum extent permitted by law, and without limiting your rights under the Consumer Protection Act, 2008, we exclude all liability for any loss or damage arising from your use of, or inability to use, the Website, or from reliance on any content published on it. Nothing in these Terms excludes or limits our liability where it would be unlawful to do so, including liability for death or personal injury caused by our negligence or for fraud.

9. Privacy and cookies

Your use of the Website is also governed by our Privacy Policy and Cookie Policy, which explain how we collect and process personal information in accordance with the Protection of Personal Information Act, 2013 (POPIA).

10. Changes to these Terms

We may revise these Terms from time to time. The version published on the Website at the time you use it is the version that applies. We encourage you to review this page periodically so that you remain aware of any changes.

11. Governing law and jurisdiction

These Terms are governed by the laws of the Republic of South Africa. Any dispute arising from or in connection with these Terms or your use of the Website is subject to the non-exclusive jurisdiction of the South African courts.

12. Contact

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

• Cormelis Financial Advisory (Pty) Ltd
• 48 Kloof Street, Gardens, 8001, Cape Town, South Africa
• Telephone: +27 21 486 3920
• Email: info@cormelis.pro