Terms and Conditions

1. Acceptance of Terms

By accessing or using the Senuri Lemalu website ("Site"), you agree to be bound by these Terms and by our Privacy Policy. If you do not agree with any part of these Terms, you should discontinue use of the Site immediately. Continued use of the Site constitutes acceptance of any updates made to these Terms.

2. Description of Services

Senuri Lemalu provides informational content, tools, and resources related to portfolio analysis and risk management designed to assist individuals in understanding financial planning concepts. The Site does not constitute financial, investment, legal, or tax advice, and nothing on the Site should be interpreted as a recommendation to buy, sell, or hold any financial instrument.

Any information, calculators, or AI-generated insights provided on the Site are for general educational purposes only. Users should consult a qualified, licensed professional before making financial decisions.

3. Eligibility

By using this Site, you represent that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. If you are using the Site on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.

4. User Accounts and Submitted Information

Where the Site requests personal or financial information through forms (such as contact or inquiry forms), you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of any information you choose to share and for all activity that occurs in connection with your submissions.

5. Acceptable Use

You agree not to use the Site in any way that:

• Violates any applicable local, national, or international law or regulation;
• Attempts to gain unauthorised access to the Site, its servers, or any connected systems;
• Interferes with or disrupts the proper functioning of the Site;
• Involves the transmission of any harmful code, malware, or unsolicited advertising;
• Infringes upon the intellectual property or other rights of Senuri Lemalu or any third party.

6. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of Senuri Lemalu or its licensors and is protected by applicable intellectual property laws. You may view and print content for personal, non-commercial use only. No part of the Site may be reproduced, distributed, or republished without prior written consent from Senuri Lemalu.

7. No Financial Advice Disclaimer

Nothing contained on this Site constitutes professional financial, legal, or tax advice. Senuri Lemalu makes no guarantees regarding the accuracy, completeness, or timeliness of any information provided, including AI-generated analysis or projections. Any reliance you place on such information is strictly at your own risk. Past performance referenced in illustrative materials is not indicative of future results.

8. Third-Party Links

The Site may contain links to third-party websites or resources. These links are provided for convenience only, and Senuri Lemalu does not endorse and is not responsible for the content, products, or practices of any linked third-party sites.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Senuri Lemalu and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Site, even if advised of the possibility of such damages. Your sole remedy for dissatisfaction with the Site is to discontinue use of it.

10. Indemnification

You agree to indemnify and hold harmless Senuri Lemalu and its affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Site or your violation of these Terms.

11. Termination

Senuri Lemalu reserves the right to suspend or terminate your access to the Site at any time, without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, third parties, or the Site itself.

12. Changes to These Terms

We may revise these Terms from time to time. Any changes will be posted on this page with an updated revision date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Senuri Lemalu operates, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms will otherwise remain in full force and effect.

15. Contact

If you have questions regarding these Terms, please get in touch via our Contact page.

This document is a general template provided for informational purposes and does not constitute legal advice. Senuri Lemalu recommends consulting a qualified legal professional to ensure these Terms meet all applicable regulatory requirements before use.