01Introduction

These Disclaimer and Terms of Use govern your access to and use of grahamronaldhart.co.za (the Website) and any services provided by Graham Ronald Hart (we, us or our) through this Website or in connection with any funding enquiry you submit.

By accessing the Website, submitting an enquiry or engaging our services, you confirm that you have read, understood and agreed to these terms.

02Nature Of Our Services

Graham Ronald Hart operates as a funding brokerage. Our role is to:

• Assess your funding requirements and documentation
• Prepare and package your funding request professionally
• Identify and approach lenders and private investors in our network that may be suitable for your deal
• Coordinate communication, documentation and the placement process

We do not act as a lender, bank, financial institution or deposit taking entity. We do not lend our own capital. Any funding you receive comes from a third party funding partner.

03No Guarantee Of Funding

Submitting an enquiry or application does not guarantee funding. All funding decisions are made by the relevant funding partner based on their own criteria, due diligence and internal approval processes.

We do not guarantee:

• That you will be matched with a funder
• That funding will be approved
• Any particular amount, term, interest rate or structure
• Any particular timeline for approval or disbursement
• Any investment outcome or return

04No Financial Or Legal Advice

Nothing on this Website or in any communication from us constitutes financial, investment, legal, tax or accounting advice. All information provided is general in nature.

You should obtain independent professional advice before entering into any funding arrangement. We strongly recommend that you have any agreement reviewed by your own attorney, accountant or financial adviser before signing.

05Your Responsibilities

By using our services you agree to:

• Provide accurate, complete and truthful information
• Provide genuine, original documentation and not misrepresent facts
• Comply with all applicable laws including FICA, anti money laundering and tax obligations
• Not use our services for any unlawful or fraudulent purpose
• Disclose any material information that may affect a funder's decision

You are solely responsible for the accuracy of the information and documents you provide. Any funding obtained on the basis of false or misleading information may result in legal consequences.

06Documents And Verification

Verification is a core part of our process. We and our funding partners may verify all documents you provide, including through direct verification with banks, registries, credit bureaus, attorneys, accountants and other institutions.

You consent to such verification being carried out for the purpose of assessing your funding enquiry. We cannot place a deal where documents cannot be independently verified.

07Fees And Commissions

Submitting a funding enquiry is free. Where our services result in a successful placement, we may charge a brokerage or structuring fee. Any fees will be disclosed to you in writing before you commit.

We do not charge upfront application fees. If you receive a request for an upfront fee that you believe is connected to us, please contact us immediately at enquiries@grahamronaldhart.co.za.

08Third Party Funders

Any funding agreement you enter into is between you and the third party funding partner. We are not a party to that agreement and accept no responsibility for the funder's conduct, decisions, terms or performance.

You are responsible for reading and understanding any agreement you sign with a funder and for ensuring that you can meet the repayment obligations it creates.

09Confidentiality

We treat your information confidentially. We will only share your information with funding partners, verification providers and professional advisers where necessary to assess and place your deal, or where required by law.

Our full privacy practices are set out in our Privacy Policy, which forms part of these terms.

10Intellectual Property

All content on this Website, including text, graphics, logos, images and layout, is owned by or licensed to Graham Ronald Hart and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify or republish any part of this Website without our prior written consent, except for personal, non commercial use.

11Limitation Of Liability

To the fullest extent permitted by law, Graham Ronald Hart and its directors, employees and agents shall not be liable for any direct, indirect, incidental, consequential or special loss or damage arising from:

• Your use of, or inability to use, this Website
• Any reliance placed on information contained on this Website
• Any decision by a funder to decline or approve funding
• Any act or omission of a third party funder
• Any loss of profit, business, opportunity or data

This Website and its content are provided on an "as is" basis without warranties of any kind, whether express or implied.

12Indemnity

You agree to indemnify and hold Graham Ronald Hart harmless from any claim, loss, damage, liability or expense (including legal fees) arising out of your breach of these terms, your misuse of the Website, or any misrepresentation made by you.

13Third Party Links

This Website may contain links to third party websites. We do not control those websites and are not responsible for their content, accuracy or availability. Links do not imply endorsement.

14Availability Of Website

We aim to keep the Website available at all times but do not guarantee uninterrupted access. We may suspend, modify or discontinue any part of the Website at any time without notice.

15Governing Law

These terms are governed by the laws of the Republic of South Africa. Any dispute arising from these terms or your use of the Website shall be subject to the exclusive jurisdiction of the South African courts.

16Changes To These Terms

We may update these terms from time to time. Any changes take effect when published on this page. We encourage you to review this page periodically. Continued use of the Website after changes are posted means you accept the updated terms.

17Contact

If you have any questions about these terms, please contact us:

• Email: enquiries@grahamronaldhart.co.za
• Website: www.grahamronaldhart.co.za