Terms of Use
Last Updated: December 03, 2025
1. Acceptance of Terms
Welcome to ApexVision Ledger. By accessing or using our website and services, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use our website. These terms apply to all visitors, users, and others who access or use our investment education platform. ApexVision Ledger is operated from V&A Waterfront, Dock Rd, Cape Town, South Africa. For questions about these terms, please contact us at +27 21 408 7600 or [email protected].
2. Educational Content and Investment Disclaimer
All content on ApexVision Ledger, including articles about investment strategies, capital behaviour, analytical investing, and South Africa finance, is provided for educational and informational purposes only. Nothing on this website constitutes financial, investment, legal, or tax advice. We do not recommend or endorse any specific investment products, securities, or strategies. The information provided should not be relied upon as a substitute for consultation with professional advisors. Past performance is not indicative of future results, and all investments carry risk, including the potential loss of principal. You are solely responsible for your own investment decisions and should conduct your own research or consult with qualified professionals before making any financial decisions.
3. User Conduct and Responsibilities
When using our platform, you agree to use the website only for lawful purposes and in accordance with these Terms of Use. You must not use our website in any way that violates any applicable laws or regulations, infringes upon the rights of others, or could damage, disable, or impair our services. You are prohibited from attempting to gain unauthorized access to any portion of the website, engaging in any automated use of the system, transmitting any viruses or malicious code, or collecting information about other users without their consent. If you create an account or subscribe to our newsletter, you are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.
4. Intellectual Property Rights
All content on ApexVision Ledger, including text, graphics, logos, images, articles about financial literacy and investment education, software, and other materials, is the property of ApexVision Ledger or its content suppliers and is protected by South African and international copyright, trademark, and other intellectual property laws. You may view, download, and print content from our website for your personal, non-commercial use only, provided you keep intact all copyright and other proprietary notices. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any material from our website without our prior written consent, except as permitted by law. Unauthorized use of our intellectual property may violate copyright, trademark, and other laws and could result in legal action.
5. Third-Party Links and Content
Our website may contain links to third-party websites, resources, or services that are not owned or controlled by ApexVision Ledger. These links are provided for your convenience and do not signify our endorsement of such websites or their content. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that ApexVision Ledger shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any such third-party content, goods, or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
6. Limitation of Liability and Warranties
ApexVision Ledger and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, secure, or error-free, that defects will be corrected, or that our website or servers are free of viruses or other harmful components. To the fullest extent permitted by law, ApexVision Ledger disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement. In no event shall ApexVision Ledger, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, use, goodwill, or other intangible losses resulting from your access to or use of or inability to access or use the website, any content obtained from the website, or unauthorized access to or alteration of your transmissions or data.
7. Changes to Terms and Termination
We reserve the right to modify or replace these Terms of Use at any time at our sole discretion. Material changes will be notified by updating the "Last Updated" date at the top of this page and, where appropriate, by posting a notice on our website or sending you an email notification. Your continued use of the website after any changes indicates your acceptance of the new terms. We also reserve the right to terminate or suspend your access to our website immediately, without prior notice or liability, for any reason, including if you breach these Terms of Use. Upon termination, your right to use the website will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability. These Terms of Use are governed by the laws of South Africa, and any disputes shall be subject to the exclusive jurisdiction of the courts of South Africa.