Terms of Use

1. Your Rights Regarding These Terms and How to Exercise Them

Before you use any part of the dovenaro.site website or engage Dovenaro for financial consulting services, you have the right to a plain-language explanation of the terms governing that use, the right to query or dispute any charge or communication arising from your use of the site, and the right to request, within 5 business days, written clarification of any clause in this document that is unclear to you. You may also withdraw from any non-binding enquiry submitted through our contact form at any time before we have confirmed a formal engagement, by notifying us in writing. Where you believe these Terms have been applied unfairly, you may lodge a written complaint and we will respond substantively within 10 business days of receipt.

2. Contact Block for Queries and Requests

Requests relating to these Terms should be sent to [email protected] or by post to the above address. We acknowledge all written queries within 3 business days.

3. Who We Are and What This Document Covers

Dovenaro Financial Consulting (Pty) Ltd (Proprietary Limited (Pty) Ltd), trading as Dovenaro, provides financial consulting services and operates the website at dovenaro.site. These Terms of Use govern your access to and use of the website, including its contact form, email subscription service, and any informational content published on it. They do not constitute a client engagement letter; formal consulting engagements are governed by a separate written agreement signed by both parties.

4. Use of the Website

You may browse dovenaro.site and submit enquiries through the contact form for the purpose of requesting information about our financial consulting services. You agree not to use the website to submit false, misleading, or fraudulent information, to attempt to gain unauthorised access to any part of the site or its underlying systems, or to use automated means (bots, scrapers) to extract content without our prior written consent. We reserve the right to suspend access to the website, in whole or in part, for any user found to be in breach of this section, with or without prior notice, where reasonably necessary to protect the site or other users.

5. The Contact Form

When you submit an enquiry through our contact form, you provide us with your name, email address, phone number (where given), and the content of your message. This information is used solely to respond to your enquiry and, where you request it, to schedule a consultation. We aim to respond to all contact form submissions within 2 business days. Submission of the form does not create a binding consulting relationship; it is an invitation to discuss services further.

6. Email Subscription

If you subscribe to our email updates by entering your email address in the subscription field, you will receive periodic communications from Dovenaro relating to financial consulting insights, service updates, and related content. You may unsubscribe at any time using the link provided in every email we send, or by emailing [email protected]; we will process unsubscribe requests within 2 business days.

7. No Financial Advice Through the Website

Content published on dovenaro.site, including articles, guides, and general commentary, is provided for general informational purposes only and does not constitute individualised financial, investment, tax, or legal advice. Any decision made in reliance on website content alone, without a formal engagement with Dovenaro, is made at your own risk. Formal advice is only provided under a signed engagement letter following a proper assessment of your circumstances.

8. Intellectual Property

All text, graphics, logos, and other content on dovenaro.site are the property of Dovenaro Financial Consulting (Pty) Ltd or its licensors and are protected under South African copyright and trade mark law. You may view and print content for personal, non-commercial reference only. Reproduction, distribution, or republication of any part of the site for commercial purposes requires our prior written consent, which may be requested at [email protected].

9. Limitation of Liability

To the maximum extent permitted by South African law, Dovenaro Financial Consulting (Pty) Ltd shall not be liable for any indirect, incidental, or consequential loss arising from your use of, or inability to use, the website, including loss arising from technical failures, interruptions, or inaccuracies in general content. Nothing in these Terms limits liability that cannot lawfully be excluded, including liability for gross negligence or wilful misconduct.

10. Third-Party Links

The website may contain links to third-party resources for reference purposes. We do not control and are not responsible for the content, accuracy, or privacy practices of any linked third-party site. We recommend you review the terms and privacy policies of any external site before using it.

11. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or website functionality. Where changes are material, we will indicate the revision date at the foot of this page at least 14 days before the changes take effect. Continued use of the website after that date constitutes acceptance of the updated Terms.

12. Governing Law and Jurisdiction

These Terms are governed by the laws of the Republic of South Africa. Any dispute arising from these Terms or your use of the website shall be subject to the non-exclusive jurisdiction of the South African courts having jurisdiction over Bloemfontein.

13. Company Details

Last updated: 2026.