Terms of Use

Last updated: 1 March 2026

1. Who we are

This website is operated by Wealth Pathway Consulting (Pty) Ltd, trading as Wealth Pathway, a company incorporated in South Africa.

2. Acceptance of these terms

By accessing this website, submitting an enquiry, or engaging Wealth Pathway for advisory services, you agree to be bound by these Terms of Use, our Privacy Policy and our Cookie Policy. If you do not agree with any part of these terms, please do not use this website or our services.

3. Nature of the website and services

This website provides general information about the financial advisory, SME advisory and risk & compliance services offered by Wealth Pathway. Content published here is for informational purposes only and does not constitute personalised financial, tax, investment, legal or accounting advice. Any advisory engagement is subject to a separate written mandate or engagement letter agreed directly between you and Wealth Pathway Consulting (Pty) Ltd, which will set out the specific scope, fees and terms of the advisory relationship.

4. Eligibility and acceptable use

You may use this website only for lawful purposes and in a manner consistent with these terms. You agree not to:

• Use the website in any way that breaches applicable South African law, including the Consumer Protection Act, 2008 and the Electronic Communications and Transactions Act, 2002 (ECTA);
• Attempt to gain unauthorised access to any part of the website, its servers or any connected systems;
• Introduce viruses, malware or other harmful code, or otherwise interfere with the website's operation;
• Scrape, copy or reproduce substantial portions of the website's content without our prior written consent;
• Submit false, misleading or fraudulent information through any contact or enquiry form.

5. Intellectual property

Unless otherwise indicated, all content on this website — including text, graphics, the Wealth Pathway name and logo, layout and design — is the property of Wealth Pathway Consulting (Pty) Ltd or its licensors, and is protected by South African and international copyright and trademark law. You may view, print or download extracts for your own personal, non-commercial reference, provided you do not modify or remove any copyright or proprietary notices.

6. No investment or professional advice on this site

Nothing published on this website constitutes a recommendation, solicitation, or offer to buy or sell any financial product, nor does it constitute professional advice tailored to your personal or business circumstances. You should not act or refrain from acting on the basis of any content on this website without first obtaining specific advice from a qualified advisor, appropriately engaged and briefed on your particular facts.

7. Enquiries and contact forms

Where you submit information through a contact or enquiry form on this website, you confirm that the information provided is accurate and that you are authorised to provide it. Submitting an enquiry does not, on its own, create an advisory or client relationship between you and Wealth Pathway; such a relationship arises only once a formal engagement letter has been signed by both parties.

8. Limitation of liability

To the maximum extent permitted by South African law, Wealth Pathway Consulting (Pty) Ltd, its directors, employees and agents shall not be liable for any direct, indirect, incidental or consequential loss or damage arising from your use of, or inability to use, this website, or from reliance on any information published on it. Nothing in these terms limits or excludes liability that cannot lawfully be limited or excluded under South African law, including liability arising from gross negligence or wilful misconduct.

9. Third-party links

This website may contain links to third-party websites for your convenience. We do not control and are not responsible for the content, accuracy or practices of any linked third-party site, and inclusion of a link does not imply endorsement.

10. Availability of the website

We aim to keep this website available and functioning correctly, but we do not guarantee uninterrupted or error-free access. We may suspend, withdraw or restrict availability of all or part of the website for business or operational reasons, including maintenance, without prior notice.

11. Changes to these terms

We may update these Terms of Use from time to time to reflect changes in our services, applicable law, or operational practice. The revised terms will be posted on this page with an updated "Last updated" date. Continued use of the website after changes are posted constitutes acceptance of the revised terms.

12. Governing law and jurisdiction

These Terms of Use are governed by the laws of the Republic of South Africa. Any dispute arising out of or in connection with these terms or your use of this website shall be subject to the non-exclusive jurisdiction of the South African courts having jurisdiction over Cape Town, Western Cape.

13. Consumer protection

Nothing in these terms is intended to limit any rights you may have as a consumer under the Consumer Protection Act, 2008, to the extent it applies to the services provided by Wealth Pathway.

14. Contact us

If you have any questions about these Terms of Use, please contact us:

• Email: info@lembrio.pro
• Phone: +27 21 418 3762
• Postal address: 48 Kloof Street, 8005, Cape Town, South Africa