Disclaimer and Terms and Conditions for PensionersForum.co.za
Effective Date: 1 June 2026
These Terms and Conditions (“Terms”) govern your use of the website www.pensionersforum.co.za, related social media pages, digital products, guides, and services operated by Pensioners Forum (“we,” “our,” “us”).
By accessing or using our website or services, you agree to be bound by these Terms. If you do not agree, you must not use our services.
1. Use of Our Website
You agree to use this website only for lawful purposes and in a way that does not:
- Violate any applicable laws or regulations
- Infringe on the rights of others
- Interfere with website functionality or security
- Attempt to gain unauthorised access to systems or data
We reserve the right to restrict or terminate access if misuse is detected.
2. Digital Products and Content
We provide digital content, guides, articles, resources, and informational materials intended for general informational purposes only.
While we strive for accuracy, we do not guarantee that:
- All information is complete, current, or error-free
- Content will always be available or uninterrupted
- Outcomes from using our information will meet your expectations
All content is provided “as is” without warranties of any kind.
3. Payments and Third-Party Processing
All payments made through our website or associated platforms are processed securely by third-party payment providers, including Yoco.
We do not store or have access to your full payment card or banking details at any time.
By completing a purchase, you acknowledge and agree that:
- Payments are processed by third-party providers and not directly by Pensioners Forum
- We are not responsible for payment gateway errors, downtime, delays, failed transactions, or security breaches occurring on third-party systems
- Any payment disputes, refunds, or chargeback issues must first be raised with the payment provider or through our support team
- We accept no liability for any financial loss, failed transaction, or damages arising from the use of third-party payment systems
All transactions are subject to the terms and conditions of the payment provider.
4. Refunds and Cancellations
Due to the digital nature of many of our products (including guides and downloadable content):
- All sales are generally final unless otherwise stated
- Refunds may be considered at our sole discretion in exceptional circumstances
- Refund requests must be submitted in writing to talkhere@pensionersforum.co.za
We reserve the right to refuse refunds where digital content has been accessed or downloaded.
5. User Accounts and Information
Where applicable, you are responsible for:
- Providing accurate and up-to-date information
- Maintaining the confidentiality of your account details
- All activity occurring under your account
We reserve the right to suspend or delete accounts suspected of misuse or fraudulent activity.
6. Intellectual Property
All content on this website, including but not limited to:
- Text
- Graphics
- Logos
- Guides and digital downloads
- Branding and design elements
are the property of Pensioners Forum unless otherwise stated.
You may not:
- Copy, reproduce, or redistribute content without permission
- Sell or exploit our content commercially
- Modify or republish our materials as your own
7. Third-Party Services and Links
Our website may include links to third-party websites or services.
We are not responsible for:
- The content of external websites
- Their privacy practices or policies
- Any loss or damage resulting from their use
Users access third-party sites at their own risk.
8. Limitation of Liability
To the fullest extent permitted by law:
- We are not liable for any direct, indirect, incidental, or consequential loss arising from the use of our website or services
- We do not guarantee uninterrupted access to our website or digital products
- We are not responsible for technical failures, data loss, or third-party service disruptions
Use of our services is at your own risk.
9. No Professional Advice
All content provided is for general informational purposes only.
We do not provide:
- Legal advice
- Financial advice
- Medical advice
- Professional consulting services
You should seek appropriate professional guidance before making decisions based on our content.
10. Privacy
Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.
11. Termination of Use
We reserve the right to suspend or terminate access to our website or services at any time, without prior notice, if we believe you have violated these Terms.
12. Changes to These Terms
We may update or modify these Terms at any time. Updates will be posted on this page with a revised effective date.
Continued use of the website after changes means you accept the updated Terms.
13. Governing Law
These Terms are governed by and interpreted in accordance with the laws of the Republic of South Africa.
Any disputes shall be subject to the jurisdiction of South African courts.
14. Contact Us
If you have any questions about these Terms, please contact us:
Pensioners Forum
Email: talkhere@pensionersforum.co.za