Terms of use, in plain English.
A plain-language summary of our terms of use (January 2026). The terms are the binding version and take precedence if there's any conflict with this summary. Clause numbers in brackets point to the part of the terms each line comes from.
Who's who.
SimVida is SIMVIDA Proprietary Limited, registration number 2020/784560/07. The terms cover the website at www.simvida.com, the SimVida mobile application, and the services on them (1.1, 1.5). SimVida is available pay-per-use or by subscription, and prices may change (1.2, 2.4).
You are the user. You must be 18 or older, or be represented by a user who is (1).
SimVida is not a licensed financial services provider, doesn't provide financial advice or recommend financial products, and doesn't manage or administer any financial product or transaction (1.3). Information on SimVida is for information only and may not be current, so check it before you make decisions based on it (2.1).
What we ask of you.
- Keep your login details and password confidential. You're responsible for everything done with them (7.1).
- Only submit information that's lawful, true and current, that you're entitled to use, and for which you have the consents you need, including your clients' (5.1).
- Don't copy, modify or reverse-engineer SimVida, build derivatives of it, or give anyone else access without our written consent (3.1).
- Don't access SimVida with bots or scripts, or use it for anything illegal or unauthorised (5.1.6, 5.1.7).
- Don't post anything unlawful, abusive, misleading or otherwise objectionable. We may remove content that breaches these terms without notice (3.1.8, 3.2).
- Don't try to compromise SimVida's security or gain unauthorised access (7.3).
What we don't promise.
- We may change these terms at any time. Using SimVida after a change means you accept the new terms (2.2, 2.5).
- We may change, suspend or discontinue any part of SimVida at any time, without notice (2.3, 4).
- We can't guarantee SimVida will always be available, error-free or secure. It's provided "as is" and "as available", and you use it at your own risk (4, 17).
- We back up data routinely, but you're responsible for the data you send and the activity on your account (5.2).
- Links to third-party websites and services are for convenience; using them is at your own risk (6).
Suspension and termination.
We may deny, limit or end your access at our discretion, without notice, for any reason, including a breach of these terms or the law (11.1, 12.1). We may also remove access immediately to protect SimVida's security (7.2). If your access is ended, you may not register again under any name (11.2). If you breach these terms, we may take legal action and you'll be liable for our legal costs (12.2).
Liability.
We're not liable for any loss, direct or indirect, arising from things like your use of or reliance on SimVida, being unable to access it, technical failures, or errors by financial service providers, product suppliers, advisors or brokers (18.1). In any case, our total liability is capped at three months' subscription fees you paid us in the period before the event giving rise to the claim (18.2).
You indemnify SimVida against claims arising from your content, your use of SimVida, your breach of these terms, or your violation of someone else's rights (19).
Law, notices and contact.
South African law governs these terms, and disputes go to the South African courts (16.1). Notices are given by email and count as received 48 hours after sending (15).
How we handle your personal information is covered by our privacy policy (10).
Questions or complaints: email contact@simvida.com or call 010 593 3107. Calls are charged at national rates and may be recorded (1.3, 20).