### 1. Acceptance of Terms

By accessing or using this risk awareness and finance workflow website, you agree to these terms and conditions.

### 2. User Responsibilities

You are responsible for accurate information submission and for maintaining privacy around your workflow account or contact details.

### 3. Workflow Information Only

This site provides general information on financial safety nets and risk awareness workflows. It does not offer individualized financial advice.

### 4. No Professional Advice

All content is for information only and should not be interpreted as professional, legal, or tax advice. Results may vary.

We may modify, update, or discontinue workflow features at any time without notice to ensure ongoing relevance.

### 6. Intellectual Property

Content, site design, and workflow processes are protected under intellectual property law. Unauthorized reproduction is prohibited.

Links to third-party sites are for your convenience. We do not control or endorse external services and are not responsible for their practices.

### 8. Limitation of Liability

We are not liable for any loss or harm arising from use or reliance on this workflow site. Always consider professional guidance.

These terms are governed by South African law. Any disputes will be resolved under local jurisdiction.

### 10. Severability

If any term is found invalid, the remaining terms remain effective and enforceable.