Terms and Conditions

Terms and Conditions for Mumbi.africa Last Updated: May 9, 2025

Welcome to Mumbi.africa! These Terms and Conditions ("Terms") govern your use of our website https://mumbi.africa (the "Website") and the services, products, and information offered through it.

By accessing or using our Website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must not use our Website. "We," "us," or "our" refers to Mumbi.africa. "You" or "your" refers to the user or viewer of our Website.

1. Acceptance of Terms

By using this Website, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions and any other applicable laws

and regulations. If you are under 18 years of age, you must obtain parental or legal guardian consent before using this Website or purchasing any products or services.

2. Services and Products Offered

Mumbi.africa provides a range of services and products including, but not limited to:

Double-Trust Structure & AdministrationBuild a Legacy Paperback & Trust Master Class (including digital editions)Building a Legacy for your Family and Creating Inter-generation WealthEntity & Risk ManagementProperty Presentation, Finance, and RegistrationRental Management

We reserve the right to modify, suspend, or discontinue any service or product offered on the Website at any time, with or without notice. Prices for our products and services are subject to change without notice.

3. Use of the Website

You agree to use the Website for lawful purposes only and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Website. Prohibited behavior includes:

Harassing or causing distress or inconvenience to any person. Transmitting obscene or offensive content.Disrupting the normal flow of dialogue within the Website. Attempting to gain unauthorized access to our Website, the server on which our Website is stored, or any server, computer, or database connected to our Website. Introducing viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful.

4. Intellectual Property Rights

All content included on this Website, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is

the property of Mumbi.africa or its content suppliers and is protected by South African and international copyright and trademark laws. You may not systematically extract and/or re-utilize parts of the contents of the Website without our express written consent. In particular, you may not utilize any data mining, robots, or similar data gathering and extraction tools to extract (whether once or many times) for re-utilization any substantial parts of this Website without our express written consent.

You are granted a limited, revocable, and non-exclusive right to create a hyperlink to the home page of Mumbi.africa as long as the link does not portray Mumbi.africa, its services, or products in a false, misleading, derogatory, or otherwise offensive matter.

5. User Accounts

If you create an account on our Website, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in our sole discretion.

6. Products and Services Purchases (E-commerce)

Order Acceptance: Your placement of an order does not necessarily assure that we will accept your order. We may require additional information or verification before accepting any order. We reserve the right to refuse or cancel an order for any reason, including limitations on quantities available for purchase, inaccuracies, or errors in product or pricing information, or problems identified by our credit and fraud avoidance department. Pricing and Payment: All prices are listed in South African Rand (ZAR) unless otherwise specified and are subject to change. Payment must be made at the time of purchase through the available payment methods on our Website. You agree to provide current, complete, and accurate purchase and account information for all purchases made. Product Descriptions: We attempt to be as accurate as possible in our product and service descriptions. However, we do not warrant that product or service descriptions or other content of this site are accurate, complete, reliable, current, or error-free. Digital Products: For digital products, upon successful payment, you will typically receive access or a download link. You agree not to share, resell, or distribute digital products.Cancellations, Refunds, and Returns:Services: Cancellation and refund policies for services (such as the Trust Master Class or consultancy services) will be specified at the time of booking or in a separate agreement.Physical Products (e.g., Paperback Books): Our policy for returns and refunds for physical goods will comply with applicable South African consumer protection laws. Please refer to any specific Returns Policy available on our website or contact us for details. Generally, goods must be returned in their original condition.Digital Products: Due to the nature of digital products, they are generally non-refundable once accessed or downloaded, unless otherwise required by law.

7. Third-Party Links

Our Website may contain links to third-party websites or services that are not owned or controlled by Mumbi.africa. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Mumbi.africa 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 or reliance on any such content, goods, or services available on or through any such websites 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.

8. Disclaimers and Limitation of Liability

No Professional Advice: The information provided on this Website (including blog posts, articles, and general content) is for general informational purposes only and does not constitute legal, financial, or other professional advice. You should consult with a qualified professional before making any decisions based on information obtained from this Website. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the Website or the information, products, services, or related graphics contained on the Website for any purpose. "As Is" Basis: This Website and its content are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Limitation of Liability: To the fullest extent permitted by applicable law, Mumbi.africa, its directors, employees, partners, agents, suppliers, or affiliates, shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Website; (ii) any conduct or content of any third party on the Website; (iii) any content obtained from the Website; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.

9. Indemnification

You agree to defend, indemnify, and hold harmless Mumbi.africa and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Website, by you or any person using your account and password; b) a breach of these Terms, or c) content posted

by you on the Website.

10. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated herein by reference. Please review our Privacy Policy to understand our practices regarding the collection and use of your personal information.

11. Governing Law and Jurisdiction

These Terms shall be governed and construed in accordance with the laws of the Republic of South Africa, without regard to its conflict of law provisions.

You agree that any dispute arising from or relating to the subject matter of these Terms shall be governed by the exclusive jurisdiction and venue

of the courts of South Africa.

12. Changes to Terms and Conditions

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Website after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Website.

13. Communication

By using this Website and providing us with your contact information, you consent to receive communications from us electronically, including

emails or notices posted on the Website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

15. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Website, shall constitute the entire agreement between you and

Mumbi.africa concerning your use of the Website.