These terms outline user responsibilities and set clear boundaries for using our household budget guide. Please read them carefully before browsing or submitting any queries.
April 8, 2026
Acceptance of Terms
By using this website, you confirm you understand and accept all conditions outlined here. Continued use after updates means you agree to any changes made. If you do not agree, please discontinue use.
Definitions
Key terms used throughout these Terms mean the following, unless otherwise specified:
- ‘The Site’ or ‘Website’ refers to the porivalentio.sbs platform and all associated informational content about South African household budgeting.
- ‘User’ or ‘You’ means anyone accessing this Website and any related tools or guides.
- ‘Content’ covers all materials, advice, guides, downloads, or scenario comparisons appearing on this site.
- ‘Team’ refers to the content creators, researchers, and support staff maintaining all site resources.
Acceptable Service Usage
You may access and use our household budget guides for personal reference only. Commercial redistribution or copying of our guides is prohibited unless you receive prior permission from us.
Eligibility
Access is allowed for all ages, but children under 16 require parental approval to submit any information or feedback via the site forms.
We do not knowingly collect data from children without consent.
User Responsibilities
User conduct must be lawful and respectful. You agree not to misuse, reproduce, or misrepresent our content.
- Provide accurate, honest, and up-to-date information when using our contact forms.
- Respect intellectual property boundaries and do not copy site content without consent.
- Do not use this platform for commercial advertising, spam, or unauthorised offers.
- Follow all South African and applicable international laws when using this site.
Prohibited Uses
Any misuse or illegal activity is strictly forbidden.
- Do not engage in hacking, damaging, or unauthorised access attempts affecting site operations.
- No automated scraping, bulk collecting of data, or bot submissions are allowed.
- Do not impersonate our staff or mislead others through site interactions.
- No uploading of viruses, malware, or malicious code is permitted.
- Do not submit or distribute offensive, defamatory, or illegal content.
Intellectual Property
All content, designs, graphics, and intellectual property on porivalentio.sbs belong to the site or its licensors. Unauthorised reproduction, copying, or distribution is prohibited other than for personal, non-commercial reference.
User Submission Guidelines
All feedback, comments, or submissions become the property of the site. We reserve the right to use or edit such user content as needed.
User Content Rights and Limits:
You retain copyright for your original feedback, but grant us a license to use, modify, and publish it for informational or service improvement purposes.
Your Privacy and Data Rights
Your privacy is governed by our Privacy Policy, which is consistent with local and global data standards and explains how your information is collected, used, and stored when using this site. See Privacy Policy
Important Disclaimers and Warnings
All household finance content is strictly informational—please use good judgement and always adapt examples to your own situation.
General Disclaimer:
Advice and guides are general and not a substitute for professional consultation. Results may vary and users should assess what is best for their situation.
Limitations of Liability
The site is not liable for losses from reliance on content, except where required by law. Use information at your own discretion.
Indemnity
Users agree to indemnify the site, its staff, and partners against any claims or damages from breach of these Terms or misuse of content.
Dispute Resolution and Process
We aim to address disputes with users fairly and transparently via clear processes.
Arbitration
Any unresolved disputes may be referred to an independent arbitrator, whose decision is final according to South African law.
This does not affect your legal rights under consumer legislation.
Online Dispute Resolution
If you are dissatisfied, you may utilise any available external Online Dispute Resolution channels for consumer disputes.
View Dispute Steps: View Dispute Steps
Governing Law and Venue
These Terms are governed by South African law. All legal matters are subject to the jurisdiction of South African courts.
Termination
We reserve the right to suspend or terminate user access for violations of these Terms or misuse of services at our discretion.
Updates
Terms may change for compliance or service reasons. Material changes will be communicated visibly on the site; continued use is acceptance.
Severability
If any part of these Terms is found unenforceable, the remainder stays valid and enforceable.
Entire Agreement Statement
These Terms constitute the full agreement between users and the site, superseding prior communications or understandings.
Contact Information and Support
For questions, clarification, or concerns, please contact our team as listed on the site.
E-mail: content@porivalentio.sbs
Phone: +27(23)9397467
Address: 7 Walter Sisulu Avenue, Cape Town 8001 South Africa
Effective Date of Terms: April 8, 2026
Version: 1.3