Important notice
These terms are provided for product-operation transparency and are not legal advice. AdvisorOne should obtain final legal review before production launch or major policy changes.
1. Acceptance of these terms
By creating an account, accessing, or using AdvisorOne, you agree to these Terms and Conditions. If you do not agree, you must not use the platform.
2. Platform purpose and permitted use
AdvisorOne is software designed to support advisers with client data management, planning tools, calculations, and document preparation workflows.
AdvisorOne is not a licensed financial-services provider and does not independently provide regulated financial advice. It is a decision-support tool and does not replace an adviser's professional judgement, legal duties, FAIS obligations, or independent compliance review.
3. User accounts and account security
You are responsible for maintaining the confidentiality of your login credentials, controlling access to your devices, and all activity occurring under your account.
You must notify AdvisorOne promptly of any suspected unauthorised access or account misuse.
4. Adviser responsibilities and FAIS obligations
The adviser and relevant FSP remain solely responsible for:
- advice suitability and recommendation quality,
- compliance with FAIS, the General Code of Conduct, and all applicable laws,
- client communication and disclosure accuracy,
- record keeping and supervision requirements.
5. Client-data responsibilities
Where advisers capture client information in AdvisorOne, advisers are responsible for ensuring they have a lawful basis and authority to collect and process that data, including required consent and disclosure steps.
6. Accuracy of information entered
You are responsible for ensuring all information entered into AdvisorOne is accurate, complete, and current. Output quality depends on the quality of data entered.
7. Calculations, projections, and assumptions
Calculations and projections are generated from available inputs, assumptions, and platform logic. They are indicative and must be reviewed by the adviser before use in client advice.
8. No guarantee of completeness or error-free outputs
AdvisorOne does not warrant that generated calculations, projections, reports, or documents are complete, error-free, suitable for all contexts, or compliant without adviser review.
9. Adviser review and approval requirement
All generated advice, disclosure, and compliance documents must be reviewed, validated, and approved by the responsible adviser before use, issue, or reliance.
10. Subscription fees, trials, failed payments, and cancellation
AdvisorOne may offer free-trial periods and paid subscriptions. Fees, billing cycle terms, retry logic, suspension rules, and cancellation options are set in the platform billing flow and applicable plan details.
Failed payments may result in staged restrictions (including read-only or suspended access) until billing is settled or billing details are updated.
[PLACEHOLDER - CONFIRM BUSINESS POLICY: Notice period, pro-rata refunds (if any), and final billing behavior on cancellation.]
11. Intellectual property
AdvisorOne and its software, branding, interface, workflows, and underlying content are protected by intellectual-property laws. Except for rights expressly granted, all rights are reserved.
12. Prohibited use
You may not use AdvisorOne to:
- break applicable laws or regulations,
- interfere with platform security or availability,
- attempt unauthorised access to other accounts or data,
- upload malicious code or abusive content,
- misrepresent generated outputs as independently verified advice.
13. Availability, maintenance, and platform changes
AdvisorOne may perform maintenance, updates, security patches, and feature changes. Reasonable efforts are made to maintain service availability, but uninterrupted availability is not guaranteed.
14. Third-party services and integrations
AdvisorOne relies on third-party services for infrastructure, authentication, payments, email delivery, and other operational functions. Third-party services are subject to their own terms and availability.
15. Limitation of liability
To the maximum extent permitted by law, AdvisorOne is not liable for indirect, consequential, or special losses, including business interruption, loss of profits, or loss arising from adviser reliance on unreviewed outputs.
Nothing in these terms excludes liability that cannot be lawfully excluded under South African law.
16. Indemnification
You agree to indemnify and hold AdvisorOne harmless against claims, damages, regulatory actions, and costs arising from your misuse of the platform, unlawful data processing, or non-compliant advisory conduct.
17. Suspension and termination
AdvisorOne may suspend or terminate access for material breaches, security risks, non-payment, or unlawful activity. Where practical, notice may be provided before termination.
[PLACEHOLDER - CONFIRM OPERATIONS: Data-export grace period and post-termination data handling process.]
18. Complaints and dispute pathway
Users should first log platform complaints through the Contact page so AdvisorOne can investigate and respond.
[PLACEHOLDER - CONFIRM LEGAL PROCESS: Internal complaint-resolution timeline, any mediation/arbitration mechanism, and escalation contacts.]
19. Governing law and jurisdiction
These terms are governed by South African law. Any disputes are subject to the jurisdiction of South African courts, unless mandatory law requires otherwise.
20. Changes to these terms
AdvisorOne may update these terms from time to time. Updated terms become effective on publication unless stated otherwise. Continued use of the platform after updates indicates acceptance.
21. Contact information
For terms-related queries, use the Contact page.
[PLACEHOLDER - CONFIRM LEGAL CONTACT EMAIL: legal@advisorone.co.za or designated legal inbox.]