Terms of Service
These Terms of Service constitute a legal agreement between you, as the user of the Website, and Riovic Capital (PTY) Limited, as
the owner of the Website. Throughout these Terms of Service we will refer to you as "you", and we will refer to Riovic
Capital (PTY) Limited as "we", "us" or "Riovic".
These Terms of Service set out the general terms governing your use of the Website. They apply to you as soon as you
first use the Website, and you are deemed to have agreed to be bound by them upon your first use of the Website.
If you do not wish to continue to be bound by these Terms of Service, please stop using the Website now.
2. Relationship to Other Agreements
In addition to these Terms of Service, our Privacy Notice sets out details of how your personal data will be used. Together, these are the "Website Agreements".
During the course of your use of the Website, you may choose to agree to be bound by certain other agreements: for
example, if you wish to sign up to Riovic, you will need to agree to a Membership Agreement, and if you wish
to invest in a business through Riovic, you will need to agree to the relevant Investment Agreement. We refer
to all of these other agreements as the "Platform Agreements", because rather than just governing your technical
use of the Website, they set out the substantive terms that govern your relationship with us when you make use of
The Website Agreements will continue to apply to you even after you have agreed to a Platform Agreement. However,
if it turns out that there is a conflict between the Website Agreements and a Platform Agreement that you agree to,
the Platform Agreement will take precedence.
3. Intellectual Property
The Website may include at any given time text, graphics, logos, icons, images, sound clips, video clips and data
compilations, and together with the Website's page layout, underlying code and software we refer to all of these as
All of the Content is the property of Riovic, our affiliates or third parties with whom we do business, and this
means that it is protected by South African and international intellectual property laws and other relevant laws.
This means that you may not reproduce, copy, distribute, store or in any other fashion re-use material from the Website unless otherwise indicated on the Website or unless given express written permission to do so by Riovic. For the avoidance of doubt, data mining or scraping the Website without the express written permission of Riovic is not permitted.
4. Links to Other Websites
This Website may contain links to other websites. Unless we expressly say otherwise, you should assume that these
other websites are not under the control of Riovic or our affiliates. We assume no responsibility for the content
of such websites, and we disclaim liability for any and all forms of loss or damage arising out of the use of them.
Additionally, even if we include a link to another website on this Website, that does not mean that we endorse that
other website or in any way recommend that you should use it.
If you choose to agree to the Membership Agreement, you will see that in there – and in other Platform
Agreements – we make certain promises to you about what parts of the Website and its Content we are
responsible for and what parts we are not. This means that, if you are a party to one of those agreements and
something goes wrong with your use of the Website, you may be able to hold us responsible depending on the
However, with the exception of the specific promises we make in a Platform Agreement to which you are a party, you
need to be aware that:
We make no warranty or representation (express or implied) that the Website will meet your requirements, that it
will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the
rights of third parties, that it will be compatible with all systems, that it will be secure, or that all
information provided will be accurate.
We make no guarantee of any specific results from the use of the Website.
No part of this Website is intended to constitute advice, and the Content of this Website should not be relied
upon when making any decisions or taking any action of any kind.
The Website is provided "as is" and on an "as available" basis, and we give no warranty that it will be free of
defects and / or faults.
We accept no liability for any disruption or non-availability of the Website resulting from external causes
including, but not limited to, ISP equipment failure, host equipment failure, communications network failure,
power failure, natural events, acts of war, or legal restrictions and censorship.
To the maximum extent permitted by law, we accept no liability for any direct or indirect loss or damage,
foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from your
use of the Website or any information contained in it, and you use the Website and its Content at your own risk.
This is not intended to exclude or restrict our liability for death or personal injury arising from your use of
Users should be aware that they use the Website and its Content at their own risk.
We have made every effort to ensure that these Terms of Service adhere strictly with the relevant provisions of applicable laws. However, in the event that any of these provisions are
found to be unlawful, invalid or otherwise unenforceable, that provision is to be deemed severed from these Terms
of Service and shall not affect the validity and enforceability of the remaining Terms of Service. This clause on
"Severability" shall apply only within jurisdictions where a particular term is illegal.
7. No Waiver
In the event that either you or we fail to exercise any right or remedy contained in these Terms of Service, that
does not mean you or we (as applicable) have waived that right or remedy and so shall not be construed as a waiver.
From time to time we may update these Terms of Service to take account of changes in the law or for any other
reason. If we update these Terms of Service, we will post a new version on the Website, and as soon as you use the
Website after they are posted, you will be deemed to have agreed to the updated version, but you will still be bound
by the terms of any previous versions to which you have agreed or been deemed to agree. If there is a conflict
between two versions of the Terms of Service to which you have agreed or been deemed to agree, the more recent
version shall take precedence unless it is expressly stated otherwise.
If you wish to communicate with us about anything related to these Terms of Service, you may do so by sending an
email to email@example.com. Please note that the webmaster can only respond to questions about these
Terms of Service and any technical issues with use of the Website, and that if you have any other questions
about the Website you should email the appropriate address set out in the "Contact Us" section of the Website.
If you wish to make a complaint about Riovic, the process for doing so is set out in the Membership Agreement
which can be accessed through your Riovic profile. If we do not resolve the complaint to your satisfaction, you
may have a right to complain directly to the FAIS Ombudsman. Their address is Block B, Sussex Office Park, 473 Lynnwood Rd, Lynnwood, Pretoria, 0081, and their website is at
11. Choice of Law
These Terms of Service, and the relationship between you and Riovic created by it, shall be governed by and
construed in accordance with the laws of South Africa.
You agree to submit to the exclusive jurisdiction of the courts of South Africa. This means that if you want
to bring a legal action against us, or we want to bring a legal action against you, it must be done in one of these
We have used a few capitalised terms in this agreement, which means that they have specific definitions. In some
cases the definition is set out when they are first used, but in a few cases we give the meaning below instead.
Privacy Notice means the privacy notice of the Website, available at Privacy Notice;
Riovic means Riovic Capital (PTY) Limited, a private limited company registered in South Africa; and
Website means the website that you are currently using (riovic.com) and any sub-domains
of this site unless expressly excluded by their own terms and conditions.