Effective Date: June 23, 2025
By accessing or using our website, you agree to be bound by these Terms of Use. If you do not agree, please do not use our site. These terms govern your use of our services, including account registration and submission of questionnaires for our SME financial ratio research.
1. User Responsibilities
You agree to:
- Provide accurate and truthful information when registering an account or submitting questionnaires.
- Not misuse our site, including attempting to access unauthorized areas, disrupt services, or submit false data.
- Keep your account credentials confidential and notify us immediately of any unauthorized access.
2. Our Rights
We reserve the right to:
- Suspend or terminate your account for violations of these terms, such as providing false data or misusing the site.
- Modify or discontinue our services at any time without prior notice.
- Use anonymized questionnaire data for research purposes, as outlined in our Privacy Policy.
3. Intellectual Property
All content on our site, including text, designs, and research tools, is owned by us or our licensors. You may not reproduce, distribute, or modify our content without written permission.
4. Limitation of Liability
We provide our site “as is” and are not liable for:
- Any losses or damages arising from your use of the site, including inaccuracies in research results.
- Service interruptions due to technical issues or maintenance.
- Any reliance on information provided through our site.
Our liability is limited to the extent permitted by South African law.
5. Dispute Resolution
Any disputes arising from these terms will be resolved through negotiation or, if necessary, in a South African court. You agree to first contact us at contact to attempt resolution.
6. Governing Law
These Terms of Use are governed by the laws of South Africa.
7. Changes to These Terms
We may update these terms to reflect changes in our services or legal requirements. Updates will be posted on this page with a revised effective date.
8. Contact Us
For questions about these terms, contact us at contact.