1. INTRODUCTION

Welcome to Integrated Financial Wellness (“Company,” “we,” “us,” or “our”). These Terms and Conditions govern your use of our website xxxx and services. By accessing or using the website, you agree to these Terms.

2. COMPLIANCE WITH ELECTRONIC COMMUNICATIONS AND TRANSACTIONS ACT (ECTA)

Remove Debt complies with the Electronic Communications and Transactions Act, 25 of 2002 (“ECTA”). This includes provisions regarding consumer rights, electronic transactions, and data protection.

3. WEBSITE USAGE

3.1 The content on this website is for informational purposes only and does not constitute financial or legal advice.
3.2 You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others.

4. ELECTRONIC COMMUNICATIONS

4.1 By using this website or sending emails to us, you consent to receiving electronic communications from us.
4.2 Any agreement, notice, disclosure, or other communication we send electronically shall satisfy any legal requirement that such communication be in writing.

5. PRIVACY POLICY

5.1 Your privacy is important to us. We process personal information in accordance with the Protection of Personal Information Act (POPIA) and ECTA.
5.2 Please review our Privacy Policy for more details on how we collect, use, and protect your personal data.

6. CONSUMER PROTECTION

6.1 In accordance with ECTA, consumers have the right to cancel certain electronic transactions within seven days without penalty.
6.2 If you qualify for a refund under ECTA, we will process it within 30 days of cancellation.

7. INTELLECTUAL PROPERTY

7.1 All content, trademarks, and intellectual property on this website belong to Remove Debt or its licensors.
7.2 You may not reproduce, distribute, or use any content from this website without prior written permission.

8. LIMITATION OF LIABILITY

8.1 Remove Debt is not liable for any damages resulting from the use of this website.
8.2 We do not guarantee uninterrupted access to the website and are not responsible for technical issues beyond our control.

9. CHANGES TO TERMS

9.1 We reserve the right to update these Terms at any time.
9.2 Your continued use of the website after changes are posted constitutes acceptance of the new Terms.

10. CONTACT INFORMATION

For questions or concerns regarding these Terms, please contact us at:
_Email: xxxx
_Phone: xxxxx
_Physical Address: xxxxxxx