Terms of Use

This website is operated by Vireta Financial Consulting (Pty) Ltd, a private company incorporated in South Africa under registration number 2018/447203/07, with its registered address at 45 Buitengracht Street, Cape Town, 8001, South Africa. Our VAT registration number is 4720184936. These terms constitute a binding agreement between you (the "user" or "client") and Vireta Financial Consulting (Pty) Ltd ("Vireta", "we", "us", "our") whenever you access virelta.pro or engage our services.

Registered name	Vireta Financial Consulting (Pty) Ltd
Company type	(Pty) Ltd
Registration number	2018/447203/07 (CIPC South Africa)
VAT number	4720184936
Registered address	45 Buitengracht Street, Cape Town, 8001, South Africa
Contact	+27 21 447 3892 · info@virelta.pro

By accessing this website, submitting an enquiry form, or entering into a service agreement with us, you confirm that you have read, understood and agree to be bound by these terms, together with our Privacy Policy and Cookie Policy. If you do not agree, please discontinue use of the website and refrain from engaging our services.

Vireta provides personal financial planning, advisory and related consulting services to individual and corporate clients in South Africa. Information published on this website — including articles, guides, calculators and general commentary — is provided for general informational purposes only and does not constitute individualised financial, tax, legal or investment advice. Formal advice is only given once a specific engagement letter or service agreement has been signed between you and Vireta Financial Consulting (Pty) Ltd, following a suitability assessment appropriate to your circumstances.

Any projections, illustrations or examples shown on the site are for illustrative purposes only, are not guaranteed, and past performance is not indicative of future results.

You must be at least 18 years old and legally capable of entering into binding contracts to use this website or engage our services. You agree to use the website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of the site by, any third party. You must not attempt to gain unauthorised access to any part of the website, its servers, or any systems connected to it.

When you submit a form on this website, you warrant that the information you provide is accurate, current and complete. Submitting a form does not, by itself, create an advisory relationship or contract for services — this is only established once we have confirmed your engagement in writing and, where applicable, completed our onboarding and suitability processes as required by applicable South African financial services regulation.

Fees for our advisory services are disclosed transparently prior to engagement and are set out in your individual engagement letter or fee agreement, consistent with the structures described on our Fees & Guarantees page. No fee is charged for general enquiries, initial consultations described as complimentary, or for browsing this website.

All content on this website — including text, graphics, logos, icons, the Vireta name and mark, and the underlying design — is the property of Vireta Financial Consulting (Pty) Ltd or its licensors, and is protected under South African and international intellectual property law. You may view and print pages for personal, non-commercial reference only. No content may be reproduced, distributed, modified or republished without our prior written consent.

While we take care to keep the information on this website accurate and up to date, we make no warranties, express or implied, as to the completeness, accuracy or reliability of the site's general content. To the fullest extent permitted by law, Vireta Financial Consulting (Pty) Ltd shall not be liable for any direct, indirect, incidental or consequential loss arising from your use of, or inability to use, this website, or from any decision made in reliance on general information published on it. Nothing in these terms limits our liability for gross negligence, wilful misconduct, or any liability that cannot lawfully be excluded under South African law, including the Consumer Protection Act, 68 of 2008.

This website may contain links to third-party websites for your convenience. We do not control and are not responsible for the content, accuracy or practices of any linked external sites, and inclusion of a link does not imply endorsement.

If you have a complaint regarding our services, please contact us in the first instance at info@virelta.pro or +27 21 447 3892, and we will endeavour to resolve it promptly and fairly. These terms are governed by, and construed in accordance with, the laws of South Africa, and any dispute that cannot be resolved amicably shall be subject to the exclusive jurisdiction of the South African courts.

We may update these terms from time to time to reflect changes in our services, legal requirements, or business practices. The version published on this page at any given time is the version in effect. We encourage you to review this page periodically.

For any questions about these terms, please contact Vireta Financial Consulting (Pty) Ltd at 45 Buitengracht Street, Cape Town, 8001, South Africa, by phone at +27 21 447 3892, or by email at info@virelta.pro.

Last updated: February 2026.