Welcome to Metavaro (PTY) Ltd! These Terms of Service ("Terms") govern your use of the metavaro app and any related services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not use the Service.

Metavaro (PTY) Ltd provides the metavaro app designed for use in the personal finance and insurance industries. The metavaro app is a software-as-a-service (SaaS) application accessible via a web browser and is hosted by us. The Service is intended to assist you in managing client relationships, data, and business processes in a compliant manner.

• Account Creation: To use the Service, you must create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.
• Account Security: You are responsible for safeguarding your password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. We are not liable for any loss or damage arising from your failure to comply with these security obligations.
• Acceptable Use: You agree to use the Service in compliance with all applicable laws and regulations in South Africa, including but not limited to the Protection of Personal Information Act (POPIA). You must not use the Service to upload, store, or transmit any data that is illegal, defamatory, or infringes on the rights of others.

• Our Property: The Service, including all software, text, graphics, logos, and trademarks, is the intellectual property of Metavaro (PTY) Ltd or its licensors and is protected by South African and international intellectual property laws.
• Your Data: You retain all rights to the data you upload or store on the Service. You grant us a limited, non-exclusive, worldwide, royalty-free license to use, host, store, and manage your data solely for the purpose of providing the Service to you.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. Metavaro (PTY) Ltd EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

IN NO EVENT SHALL Metavaro (PTY) Ltd, ITS DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

You agree to indemnify, defend, and hold harmless Metavaro (PTY) Ltd, its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your infringement of any intellectual property or other right of any person or entity.

These Terms shall be governed by and construed in accordance with the laws of the Republic of South Africa. Any dispute arising from these Terms will be subject to the exclusive jurisdiction of the South African courts.

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on our website. Your continued use of the Service after such changes constitutes your acceptance of the new Terms.

If you have any questions about these Terms, please contact us at