Disclaimer

1. General Disclaimer

Stokvel Portal provides software tools for administrative and accounting assistance to stokvels, savings clubs, and related organizations.

We do not provide:

• Banking services
• Investment advice
• Financial advisory services
• Insurance underwriting
• Legal advice

2. No Financial Guarantee

We do not guarantee:

• Profitability
• Investment returns
• Member payments
• Recovery of funds
• Prevention of fraud within organizations

Organization administrators remain solely responsible for:

• Financial decisions
• Verification of transactions
• Approval of members
• Management of funds

3. Accuracy of Information

While reasonable efforts are made to maintain accurate records and calculations, the Platform is provided "as is" and "as available".

We do not warrant:

• Continuous availability
• Error-free operation
• Complete accuracy of reports
• Compatibility with all devices

4. Limitation of Liability

To the maximum extent permitted by law, Stokvel Portal shall not be liable for:

• Financial losses
• Data loss
• Indirect damages
• Consequential damages
• Service interruptions
• User misconduct

5. Third-Party Services

We may rely on third-party providers including hosting, email, payment, and internet infrastructure providers.

We are not responsible for failures caused by third-party systems.

6. User Responsibility

Users are responsible for:

• Maintaining secure passwords
• Verifying financial records
• Ensuring lawful use of the Platform
• Keeping backups of critical information