Terms of Use

These Terms of Use govern access to and use of the website operated at cirelta.site and the financial consulting services described on it. The website is published by:

By accessing or using this website, submitting the contact form, or subscribing to our email updates, you agree to be bound by these Terms. If you do not agree, please do not use the site.

A. Definitions

"the Site"

The website published at cirelta.site, including all pages, content and functionality made available on it.

"we", "us", "our"

Ferreira & Voss Financial Consulting (Pty) Ltd, trading as Ferreira & Voss Financial Consulting.

"you", "User"

Any natural or juristic person who accesses or uses the Site.

"Services"

The financial consulting services offered or described by Ferreira & Voss Financial Consulting, and any related information, tools or communications made available through the Site.

"Contact Form"

The web form on the Site through which a User may submit an enquiry to us, including name, email address and message content.

"Subscription"

The optional email subscription service through which a User may elect to receive periodic communications from us.

"Content"

All text, graphics, logos, articles and other material appearing on the Site.

B. Nature and Purpose of the Site

1. Informational purpose

The Site is provided to introduce Ferreira & Voss Financial Consulting and its financial consulting services, and to allow prospective and existing clients to make contact with us. Content on the Site is general in nature and does not constitute individualised financial, investment, tax or legal advice. Any specific advice will only be given in the course of a formal engagement with Ferreira & Voss Financial Consulting, subject to separate written terms.

2. No offer or solicitation

Nothing on the Site constitutes an offer, solicitation, invitation or recommendation to buy, sell or hold any financial product, and should not be relied upon as such.

3. Regulatory status

Where Ferreira & Voss Financial Consulting provides regulated financial services, it does so subject to applicable South African financial sector legislation. Users requiring confirmation of our regulatory status or licensing should contact us using the details above.

C. Use of the Contact Form

1. Submission of enquiries

Users may submit enquiries through the Contact Form by providing their name, email address, and a message. This information is used solely to respond to the enquiry and to administer the resulting correspondence, as set out in our Privacy Policy.

2. Accuracy of information

You warrant that any information you submit through the Contact Form is accurate and that you have the right to submit it. You must not use the Contact Form to submit false, misleading, defamatory, unlawful or fraudulent content, nor to send unsolicited commercial communications to us.

3. No guarantee of response

While we endeavour to respond to genuine enquiries promptly, submission of the Contact Form does not create a client relationship, engagement, or obligation on our part to respond or to provide any service.

D. Email Subscription

1. Voluntary opt-in

The email Subscription is entered into voluntarily by providing an email address and confirming consent. Subscribers will receive periodic communications from Ferreira & Voss Financial Consulting, which may include commentary, updates on our services, and related material.

2. Withdrawal of consent

A Subscriber may unsubscribe at any time using the unsubscribe link included in every email, or by contacting us at [email protected]. Withdrawal takes effect within a reasonable period thereafter and does not affect communications already dispatched.

3. No warranty as to content

Subscription content is provided for general informational purposes only and must not be treated as personalised advice or as a substitute for professional consultation.

E. Intellectual Property

1. Ownership

All Content on the Site, including text, layout, graphics and the Ferreira & Voss Financial Consulting name and any associated logos, is owned by or licensed to Ferreira & Voss Financial Consulting (Pty) Ltd and is protected under South African copyright, trade mark and related intellectual property law.

2. Permitted use

You may view, download and print extracts of the Site for your own personal, non-commercial reference. You may not reproduce, republish, distribute, modify or exploit any Content for commercial purposes without our prior written consent.

F. Acceptable Use

1. Prohibited conduct

When using the Site, you must not:

• attempt to gain unauthorised access to the Site, its servers, or any systems connected to it;
• introduce viruses, malware or other harmful code;
• use automated means (scraping, bots, crawlers) to extract Content without our consent;
• use the Contact Form or Subscription mechanism for spam, phishing, or unlawful solicitation;
• impersonate any person or misrepresent your affiliation with any person or entity.

2. Suspension of access

We reserve the right to restrict, suspend or terminate access to the Site for any User who breaches these Terms, without notice, where reasonably necessary to protect the Site, our Services, or other Users.

G. Disclaimers and Limitation of Liability

1. Site provided "as is"

The Site and its Content are provided on an "as is" and "as available" basis. While we take reasonable care to keep information accurate and current, we do not warrant that the Site will be uninterrupted, error-free, or free of viruses, or that Content is complete, accurate or up to date at all times.

2. Limitation of liability

To the maximum extent permitted by South African law, Ferreira & Voss Financial Consulting (Pty) Ltd shall not be liable for any direct, indirect, incidental, special or consequential loss or damage arising from or in connection with access to, use of, or inability to use the Site, including any loss arising from reliance on Content, save where such liability cannot lawfully be excluded, including liability for death, personal injury, or fraud.

3. Third-party links

The Site may contain links to third-party websites. We do not control and are not responsible for the content, accuracy or practices of any linked third-party site.

H. Personal Information

Our collection and processing of personal information submitted through the Contact Form and the Subscription, and otherwise in connection with use of the Site, is governed by our Privacy Policy, which is prepared in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA) and forms part of these Terms by reference.

I. Changes to These Terms

We may amend these Terms from time to time to reflect changes in our Services, legal requirements, or operational practice. The version published on the Site at the time of your use will apply. We recommend reviewing this page periodically. Material changes will, where practicable, be indicated by an updated effective date.

J. Governing Law and Jurisdiction

These Terms are governed by the laws of the Republic of South Africa. Any dispute arising out of or in connection with these Terms or use of the Site shall be subject to the non-exclusive jurisdiction of the courts of South Africa.

K. Contact

Questions about these Terms, or requests concerning the Contact Form or Subscription, may be directed to:

These Terms were last updated in 2026.