Terms of Use

Welcome to Onemoola. These Terms of Use ("Terms") govern your use of our web application and services. By accessing or using Onemoola, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, please do not use our services.

Onemoola helps users manage their retirement savings and investments by providing automated advice on how much to save and which investment funds to consider. We also offer personal tax estimations. Note that Onemoola does not hold clients' funds but advises them on where to place their funds. Users review and approve the advice provided.

• Investment Decisions: Users acknowledge that all investment decisions are made at their own risk. Onemoola provides advice, but the final decision rests with the user.

• Accuracy of Information: Users must provide accurate and complete information to receive appropriate advice. Onemoola is not responsible for any issues arising from inaccurate or incomplete information provided by the user.

• Compliance: Users must comply with all applicable laws and regulations, including those related to taxation and financial reporting.

• Investment Risk: All investments carry inherent risks, including the potential loss of principal. Past performance is not indicative of future results. Onemoola does not guarantee any specific outcomes or returns.

• No Guarantee: Onemoola provides advice based on the information available and current market conditions. However, we do not guarantee the accuracy, completeness, or suitability of any advice provided.

• Personal Information: Onemoola collects personal information necessary to provide our services, including demographic information, residency details for FICA purposes, income, investment funds, and other relevant financial information.

• Data Protection: Onemoola adheres to industry best practices and follows Google Cloud's best practices to host and secure the application. We also comply with the Protection of Personal Information Act (POPIA).

• Partnerships: Onemoola works with registered investment and asset managers to manage users' funds. While we ensure these partners meet high standards, Onemoola cannot be held liable for the actions or performance of these third parties.

• Data Sharing: To provide our services, Onemoola may share relevant information with our third-party partners. Users consent to this data sharing by using our services.

• Indirect Damages: Onemoola shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or in connection with the use of our services.

• Total Liability: Onemoola's total liability to any user for any claim arising out of or relating to our services is limited to the amount paid by the user, if any, for accessing our services.

Onemoola reserves the right to modify these Terms at any time. Users will be notified of any significant changes, and continued use of the services constitutes acceptance of the modified Terms.

These Terms are governed by and construed in accordance with the laws of South Africa. Any disputes arising from these Terms shall be resolved in the courts of South Africa.

For any questions or concerns regarding these Terms, please contact us at connect@onemoola.com.