Last updated: 14 September 2026
These terms govern the use of this website by Qalunivo Financial Services ("we", "us"). By using this site or submitting an enquiry, you accept these terms.
The content on this website is for general information only and does not constitute financial advice, an offer, or a solicitation. Personalised advice is provided only after a formal engagement and full needs analysis with one of our registered advisors.
Submitting the contact form creates no obligation on either party. We aim to respond within one business day but do not guarantee response times.
Financial products involve risk. Past performance is not indicative of future results. Where we facilitate products from banks, insurers or investment houses, the terms and conditions of the relevant provider apply.
All content, branding and images on this website belong to Qalunivo Financial Services and may not be reproduced without written permission.
To the extent permitted by law, we are not liable for any loss or damage arising from use of this website or reliance on its content.
These terms are governed by the laws of the Republic of South Africa. Any dispute will be subject to the jurisdiction of the South African courts.
Questions about these terms may be directed to info@qalunivofin.com or +27 68 993 3472, or in person at 3 Fredman Drive, Sandton, Johannesburg, 2196.