Disclaimer for Financial Safety Content

All content on kolivairos.sbs is general information and not tailored financial advice. Decisions based on this material are at your own discretion and risk.

Important Notice

Information is for guidance only

Results may vary for each individual

General Information Only

The materials on this site are intended to support your risk awareness and financial habits. They do not replace personal advice from a licensed financial professional. We do not guarantee any specific results.

Limits of Liability and Responsibility

We strive for accuracy, but cannot promise completeness or fitness for your unique situation.

  • We are not responsible for actions taken solely based on our content.
  • Site materials are not a substitute for professional consultation.
  • No liability for losses resulting from use of site information.
  • Past performance doesn't guarantee future results.

Accuracy and Timeliness

We update content regularly, but cannot guarantee that all information is current or error-free at all times. Please verify key facts before making important decisions.

No assurance of completeness or timeliness.

Not Personal or Professional Advice

Always consult with a qualified financial advisor before making significant changes to your financial situation.

External Links and Resources

Links to third-party sites are provided for convenience. We do not endorse their content or guarantee its accuracy or security.

No Promise of Individual Results

Every financial situation is different. There is no guarantee that following our suggestions will produce any specific outcome.

Results May Vary for Each User

Outcomes depend on your personal circumstances and decisions. No results are promised.

Additional Financial Disclaimers

Our content is not a financial, investment, or insurance product offer.

  • No offers or sales of financial products or services are made.
  • No personalized financial recommendations are given.
  • Always check current APR rates, fees, and terms before making financial decisions.

Jurisdiction and Local Regulations

This disclaimer is governed by South African law.

Your use of this site is subject to local law and regulations. Laws may differ in other jurisdictions.

Check requirements in your region before acting on site information.

Indemnification

You are responsible for any consequences arising from your use of site content or resources.

Severability

If any part of this disclaimer is invalid, the remaining sections still apply.

Changes to This Disclaimer

We may update this notice from time to time. Review regularly for updates.

Contact Us

For questions about this disclaimer, contact us via the information below.

content@kolivairos.sbs +27(36)9636784 Berea (Regus centre), East London South Africa

Effective Date: May 28, 2026

Last Updated: May 28, 2026