Terms of Service

By accessing or using the Lebo Grass website, mobile application, or any services provided by Lebo Grass (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must immediately cease using the Services.

These Terms constitute a legally binding agreement between you ("User", "you", or "your") and Lebo Grass, an Authorised Financial Services Provider regulated by the Financial Sector Conduct Authority ("FSCA") of South Africa ("we", "us", or "our"). These Terms are governed by and construed in accordance with the laws of the Republic of South Africa, including the Consumer Protection Act 68 of 2008, the Electronic Communications and Transactions Act 25 of 2002, and the Financial Advisory and Intermediary Services Act 37 of 2002 ("FAIS Act").

Your continued use of the Services following any amendments to these Terms shall constitute your acceptance of such amendments. We reserve the right to update these Terms at any time, and it is your responsibility to review them periodically.

Lebo Grass provides financial coaching, property investment education, and related educational services. Our offerings include, but are not limited to:

(a) Financial Coaching: One-on-one and group coaching sessions designed to improve financial literacy, budgeting, debt management, savings strategies, and wealth-building principles.

(b) Property Investment Education: Educational content and guidance on property investment strategies within the South African market, including the KPIPA Masterclass programme.

(c) KPIPA Masterclass: Structured masterclass sessions covering key principles of property investment, asset acquisition, and portfolio development.

(d) Educational Content: Books, digital publications, articles, videos, webinars, and other educational materials related to personal finance and property investment.

(e) Online Platform: Access to our website and digital tools that support your financial education journey.

All Services are educational in nature and are intended to empower you with knowledge and skills. Unless explicitly stated in a separate advisory agreement and subject to the requirements of the FAIS Act, our Services do not constitute personalised financial advice as defined under the FAIS Act.

To use the Services, you must meet the following eligibility requirements:

(a) You must be at least eighteen (18) years of age. By using the Services, you represent and warrant that you are at least 18 years old. In accordance with the Protection of Personal Information Act 4 of 2013 ("POPIA"), we do not knowingly collect or process personal information from individuals under the age of 18.

(b) You must be a South African resident or citizen, or otherwise lawfully present in South Africa, unless specific Services are made available to international users at our discretion.

(c) You must have the legal capacity to enter into a binding agreement under the laws of the Republic of South Africa.

(d) You must not have been previously suspended or removed from the Services for a breach of these Terms.

If you are using the Services on behalf of an entity, you represent and warrant that you have the authority to bind that entity to these Terms.

Certain features of the Services may require you to create an account. When registering, you agree to provide accurate, current, and complete information as prompted by the registration process. You are responsible for maintaining the confidentiality of your account credentials, including your password, and for all activities that occur under your account.

You agree to notify us immediately of any unauthorised use of your account or any other breach of security. We shall not be liable for any loss or damage arising from your failure to safeguard your account credentials.

We reserve the right to suspend or terminate your account at any time if we reasonably believe that you have violated these Terms, provided false information during registration, or engaged in conduct that is harmful to other users, our business, or third parties.

In accordance with POPIA, all personal information collected during registration will be processed lawfully and in a manner that does not infringe upon your privacy. Please refer to our Privacy Policy for further details on how your personal information is handled.

All content, materials, and intellectual property made available through the Services, including but not limited to text, graphics, logos, images, audio clips, video clips, digital downloads, data compilations, software, trademarks, trade names, course materials, the KPIPA Masterclass curriculum, and educational publications (collectively, "Content"), are the property of Lebo Grass or its licensors and are protected by South African and international intellectual property laws, including the Copyright Act 98 of 1978 and the Trade Marks Act 194 of 1993.

You are granted a limited, non-exclusive, non-transferable, and revocable licence to access and use the Content solely for your personal, non-commercial educational purposes. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any Content without our prior written consent.

Any unauthorised use of the Content may violate copyright, trademark, and other applicable laws and could result in criminal or civil penalties. We reserve the right to pursue all available legal remedies against any person or entity that infringes upon our intellectual property rights.

Certain Services require payment. By purchasing any paid Service, you agree to pay all applicable fees as described at the time of purchase. Current pricing includes, but is not limited to:

(a) KPIPA Masterclass sessions at R100 per session, unless otherwise specified at the time of booking.

(b) Financial coaching fees as quoted during the consultation booking process, which may vary depending on the nature, duration, and scope of the engagement.

(c) Educational materials and publications at prices listed on our website or platform at the time of purchase.

All prices are quoted in South African Rand (ZAR) and are inclusive of Value Added Tax (VAT) where applicable, in accordance with the Value-Added Tax Act 89 of 1991. We reserve the right to amend our pricing at any time, provided that any such changes will not affect fees already paid or orders already confirmed.

Payments may be processed through third-party payment providers. By making a payment, you agree to the terms and conditions of the applicable payment provider. We are not responsible for any errors, delays, or issues caused by third-party payment processors.

Refunds may be issued at our sole discretion or as required by the Consumer Protection Act 68 of 2008. Requests for refunds must be submitted in writing to advisory@lebogrss.co.za within seven (7) days of the transaction date. Refunds for Services already rendered or digital content already accessed may not be available.

You agree to use the Services only for lawful purposes and in a manner that does not infringe upon the rights of, restrict, or inhibit the use and enjoyment of the Services by any third party. Prohibited conduct includes, but is not limited to:

(a) Using the Services for any fraudulent, misleading, or unlawful purpose.

(b) Transmitting or sharing any material that is defamatory, obscene, threatening, abusive, or otherwise objectionable.

(c) Attempting to gain unauthorised access to our systems, networks, or other users' accounts.

(d) Sharing, reselling, or redistributing any Content, course materials, or access credentials obtained through the Services without our prior written consent.

(e) Using automated systems, bots, or scraping tools to extract data or content from the Services.

(f) Impersonating any person or entity, or falsely stating or misrepresenting your affiliation with a person or entity.

(g) Interfering with or disrupting the integrity or performance of the Services or the data contained therein.

We reserve the right to investigate and take appropriate legal action against anyone who, in our sole discretion, violates these provisions, including removing offending content, suspending or terminating the user's account, and reporting such conduct to law enforcement authorities.

To the fullest extent permitted by the laws of the Republic of South Africa, Lebo Grass, its directors, employees, agents, partners, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, resulting from:

(a) Your access to, use of, or inability to access or use the Services.

(b) Any conduct or content of any third party on the Services.

(c) Any content obtained from the Services.

(d) Unauthorised access, use, or alteration of your transmissions or content.

Our total aggregate liability to you for all claims arising out of or relating to these Terms or the Services shall not exceed the total amount you have paid to us in the twelve (12) months immediately preceding the event giving rise to the claim.

Nothing in these Terms shall exclude or limit our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under the laws of South Africa, including those protections afforded under the Consumer Protection Act 68 of 2008.

The Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Lebo Grass does not guarantee any specific financial outcomes or returns on investment. All financial coaching and property investment education provided through the Services is for educational and informational purposes only. The information provided does not take into account your specific financial situation, objectives, or risk tolerance.

Property markets and financial markets carry inherent risks, including but not limited to market volatility, interest rate fluctuations, regulatory changes, and the potential loss of capital. Past performance of any investment strategy discussed in our educational materials is not indicative of future results.

Unless a separate written advisory agreement has been entered into between you and Lebo Grass in compliance with the FAIS Act, the information and guidance provided through the Services does not constitute personalised financial advice, investment advice, tax advice, or legal advice. You are strongly encouraged to seek independent professional advice from a licensed financial adviser before making any financial or investment decisions.

We do not warrant that the Services will be uninterrupted, error-free, secure, or free from viruses or other harmful components. We shall not be liable for any damage to your computer system, mobile device, or data that results from your use of the Services.

The Services may contain links to third-party websites, applications, or services that are not owned or controlled by Lebo Grass. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

Your use of third-party websites and services is at your own risk and subject to the terms and conditions and privacy policies of those third parties. We encourage you to read the terms and conditions and privacy policy of any third-party website or service that you visit or use.

Lebo Grass does not endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Services or any hyperlinked website, and we shall not be a party to or in any way be responsible for monitoring any transaction between you and any third-party provider.

These Terms shall be governed by and construed in accordance with the laws of the Republic of South Africa, without regard to its conflict of law principles. Any legal proceedings arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of the Republic of South Africa, with the Gauteng Division of the High Court, Johannesburg, as the court of first instance.

Nothing in these Terms shall limit the rights afforded to consumers under the Consumer Protection Act 68 of 2008, and to the extent that any provision of these Terms conflicts with the mandatory provisions of the Consumer Protection Act, such mandatory provisions shall prevail.

In the event of any dispute, controversy, or claim arising out of or relating to these Terms or the breach, termination, or invalidity thereof ("Dispute"), the parties agree to first attempt to resolve the Dispute through good faith negotiation.

If the Dispute cannot be resolved through negotiation within thirty (30) days of written notice of the Dispute being given by one party to the other, the parties agree to submit the Dispute to mediation administered by an independent mediator agreed upon by both parties, or failing agreement, appointed by the Arbitration Foundation of Southern Africa ("AFSA").

If the Dispute is not resolved through mediation within sixty (60) days of the commencement of mediation, either party may refer the Dispute to final and binding arbitration in accordance with the Arbitration Act 42 of 1965, as amended, or the International Arbitration Act 15 of 2017 where applicable. The arbitration shall be conducted in Johannesburg, Gauteng, and the language of the arbitration shall be English.

Notwithstanding the foregoing, either party retains the right to apply to a court of competent jurisdiction for interim or urgent relief, including an interdict or injunction, pending the outcome of arbitration proceedings.

The costs of mediation shall be shared equally between the parties. The costs of arbitration shall be determined by the arbitrator and may be allocated between the parties as the arbitrator deems appropriate.

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Services will immediately cease.

You may terminate your account and cease using the Services at any time by providing written notice to advisory@lebogrss.co.za. Termination of your account does not relieve you of any obligation to pay outstanding fees incurred prior to the date of termination.

In accordance with the Consumer Protection Act 68 of 2008, you have the right to cancel an advance booking, reservation, or order for Services by providing written notice. Cancellations made more than seven (7) days before a scheduled session or event will receive a full refund. Cancellations made within seven (7) days of a scheduled session may be subject to a reasonable cancellation fee not exceeding the deposit paid.

All provisions of these Terms which by their nature should survive termination shall survive, including but not limited to intellectual property provisions, warranty disclaimers, limitation of liability, indemnification, and dispute resolution.

You agree to indemnify, defend, and hold harmless Lebo Grass, its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in any way connected with:

(a) Your access to or use of the Services.

(b) Your violation of these Terms.

(c) Your violation of any third-party rights, including intellectual property, privacy, or other proprietary rights.

(d) Any content you submit, post, or transmit through the Services.

(e) Any financial decisions you make based on information obtained through the Services.

This indemnification obligation shall survive the termination of these Terms and your use of the Services.

Lebo Grass reserves the right to modify, amend, or replace these Terms at any time at its sole discretion. If a revision is material, we will provide at least thirty (30) days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

Notice of amendments may be provided by posting the updated Terms on our website, sending an email to the address associated with your account, or through any other communication method we deem appropriate.

By continuing to access or use the Services after any revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, you must stop using the Services and may request the deletion of your account and personal information in accordance with POPIA.

Lebo Grass shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemics, epidemics, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, load shedding, power outages, network or telecommunications failures, strikes, or shortages of transportation, facilities, fuel, energy, labour, or materials.

In the event of a force majeure event, our obligations under these Terms shall be suspended for the duration of such event, and we shall use reasonable efforts to mitigate the impact and resume performance as soon as practicable.

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if modification is not possible, severed from these Terms. The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions, which shall continue in full force and effect.

These Terms, together with our Privacy Policy, PAIA Manual, and any other legal notices or agreements published by us on the Services, constitute the entire agreement between you and Lebo Grass concerning the Services and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written, between you and Lebo Grass regarding the Services.

No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

If you have any questions, concerns, or complaints regarding these Terms of Service, please contact us at:

Lebo Grass Sandton Corporate Woods, Johannesburg, 2196 Email: advisory@lebogrss.co.za Phone: +27 11 000 0000

For complaints relating to financial services, you may also contact the FAIS Ombud at: FAIS Ombud P.O. Box 74571, Lynnwood Ridge, 0040 Telephone: 012 762 5000 Email: info@faisombud.co.za

For general regulatory enquiries, contact the Financial Sector Conduct Authority (FSCA): FSCA P.O. Box 35655, Menlo Park, 0102 Telephone: 012 428 8000 Website: www.fsca.co.za