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Terms and Conditions

Effective Date: 22 August 2025

Welcome to Letters in Finance! By accessing or using this website, newsletters, podcasts, videos, or any related services (collectively, the “Services”), you agree to comply with and be bound by these Terms and Conditions. Please read them carefully.

1. Use of Content

  • All content on Letters in Finance is provided for informational and educational purposes only.
  • Nothing published should be regarded as financial, investment, legal, or tax advice. Always consult a licensed professional in South Africa, Zimbabwe, or your relevant jurisdiction before making decisions based on this content.
  • You may share or quote material, provided you give appropriate credit and do not alter, misrepresent, or exploit the content.

2. Intellectual Property

  • Unless otherwise stated, all articles, videos, graphics, and other materials are the intellectual property of Letters in Finance.
  • Unauthorized reproduction, distribution, or commercial use without prior written consent is prohibited under:
    • South African Copyright Act, 1978
    • Zimbabwe Copyright and Neighbouring Rights Act, 2000

3. User Responsibilities

When engaging with our Services (e.g., comments, subscriptions, or social media interactions), you agree not to:

  • Post material that is unlawful, defamatory, offensive, or misleading.
  • Violate the Censorship & Entertainments Control Act (Zimbabwe) or any South African digital communications laws.
  • Attempt to hack, disrupt, or misuse the website.

We reserve the right to moderate, edit, or remove any content that violates these terms.

4. Privacy & Data Protection

  • Letters in Finance complies with the Protection of Personal Information Act, 2013 (POPIA) in South Africa and the Data Protection Act [Chapter 11:12], 2021 in Zimbabwe.
  • By using our Services, you consent to the collection and use of limited personal data (e.g., email addresses for newsletters).
  • You have the right to access, update, or request deletion of your personal data.

Please see our Privacy Policy for more details.

5. No Cross-Border Financial Advice Licensing

  • Letters in Finance is not a licensed financial services provider under the Financial Sector Conduct Authority (FSCA) of South Africa or the Securities and Exchange Commission of Zimbabwe (SECZ).
  • Any financial opinions expressed are purely educational and personal commentary, and should not be relied upon as advice.
  • Readers should consult a licensed financial adviser in their jurisdiction before making investment, financial, or tax decisions.
  • By engaging with our Services, you acknowledge that you are not entering into an advisory relationship with Letters in Finance.
  • Our Services may include links to external sites, platforms, or advertisements.
  • Letters in Finance is not responsible for the content, privacy practices, or services of third-party websites.
  • Any sponsored or affiliate content will be clearly disclosed.

7. Disclaimer of Warranties

  • All content is provided on an “as is” basis, without warranties of any kind (express or implied).
  • While we aim to provide accurate and reliable information, we make no guarantees regarding completeness, accuracy, or suitability.
  • Investing and financial decisions carry risk, including the loss of capital.

8. Limitation of Liability

To the fullest extent permitted under South African and Zimbabwean law:

  • Letters in Finance and its contributors shall not be liable for any damages resulting from the use (or inability to use) the Services.
  • This includes, but is not limited to, financial loss, indirect damages, reputational loss, or data breaches beyond our reasonable control.

9. Changes to Terms

We may update these Terms & Conditions from time to time. Updates will be posted here with a revised Effective Date. Continued use of the Services indicates acceptance of the updated terms.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of:

  • Republic of South Africa
  • Republic of Zimbabwe

Any disputes shall be subject to the exclusive jurisdiction of the High Court of South Africa or the High Court of Zimbabwe, depending on where the issue arises.

11. Contact Us

If you have any questions regarding these Terms & Conditions, please contact us:

📧 rutendo@lettersinfinance.com
🌐 lettersinfinance.com