01. Introduction

Welcome to Sefoka Group. These Terms and Conditions outline the rules, responsibilities, and legal agreements between you, the user, and Sefoka Group Holdings Proprietary Limited when you access our website, services, or investment platforms.

Our Privacy Policy explains how we collect, use, and protect your personal data, including information such as your name, email address, and other contact details. By using our website or services, you acknowledge and agree to these Terms and our Privacy Policy.

02. Terms of Service

These Terms of Service set the rules for using Sefoka Group’s website, platforms, and related services. By accessing or using our services, you agree to:

• Use our services responsibly and lawfully.

• Provide accurate and complete information when registering or engaging with our platforms.

• Respect our intellectual property, content, and trademarks.

• Refrain from any activity that could disrupt or harm our services or other users.

We may update these terms at any time, and continued use of our services constitutes acceptance of those updates.

03. Protecting Our Property

All content, resources, images, software, and intellectual property on our platforms are the property of Sefoka Group or our partners. You may not copy, reproduce, or redistribute any content without our explicit written permission.

We take all necessary measures to protect our systems, platforms, and data from unauthorized access or misuse. Users are expected to respect these protections and not attempt to bypass security features.

04. Limitations of Liability

While we strive to ensure accuracy, security, and reliability, Sefoka Group is not liable for any indirect, incidental, or consequential damages arising from your use of our website or services.

This includes any loss of profits, data, or investment outcomes that may result from participation in our platforms. Users engage with our services at their own risk, and we recommend due diligence and professional advice where applicable.

05. Pricing and Payment Policy

All pricing, fees, and investment terms provided by Sefoka Group are clearly stated on our platforms and communications.

Payments, contributions, or investments made through our platforms are subject to applicable terms, legal regulations, and account verification. Users are responsible for ensuring the accuracy of payment information and for complying with any tax or financial obligations in their jurisdiction.

Refunds, returns, or adjustments are handled according to the specific investment or service agreement and may vary depending on the nature of the project.