1.1 Apart from the provisions of sections 43(5) and 43(6) of the Electronic Communications and Transactions Act, neither Wealth Creation Trust nor any of its agents or representatives shall be liable for any damage, loss or liability of whatsoever nature arising from the use or inability to use this web site or the services or content provided from and through this web site. Furthermore, Wealth Creation Trust makes no representations or warranties, implied or otherwise, that, amongst others, the content and technology available from this web site are free from errors or omissions or that the service will be 100% uninterrupted and error free. Users are encouraged to report any possible malfunctions and errors to the person referred to in clause 1.
1.2 This web site is supplied on an "as is" basis and has not been compiled or supplied to meet the user's individual requirements. It is the sole responsibility of the user to satisfy itself prior to entering into this agreement with Wealth Creation Trust that the service available from and through this web site will meet the user's individual requirements and be compatible with the user's hardware and/or software.
1.3 Information, ideas and opinions expressed on this site should not be regarded as professional advice or the official opinion of Wealth Creation Trust and users are encouraged to consult professional advice before taking any course of action related to information, ideas or opinions expressed on this site.
1.4 All items purchased from Wealth Creation Trust are made pursuant to agreements with shipping and delivery agents and risk of loss pass from Wealth Creation Trust to such agents upon delivery of any item to such carrier.
1.5 Neither Wealth Creation Trust nor any of its agents or representatives shall be liable for any damage, loss or liability of whatsoever nature arising from the use or inability to use any product sold on this web site.


2.1 Credit card payments.
2.1.1 At the time of placing the order, the transaction details are presented to the bank and an authorization is obtained for the amount of the order.
2.1.2 Payment is only collected when the order is completed and the goods shipped.
2.1.3 VCS use SSL3, two firewalls and no credit card details are stored on the website.
2.2 Bank transfers.


3.1 Placing an item in a shopping basket without completing the purchase cycle does not:
3.1.1 constitute an agreement of sale between Wealth Creation Trust and users cannot hold Wealth Creation Trust liable if such items are not available when the purchase cycle is completed later; and/or
3.1.2 constitute an order for such an item; and
3.1.3 Wealth Creation Trust may remove such an item from the shopping basket or wishlist if no stock is available.

3.2 An agreement of sale between Wealth Creation Trust and a user only comes into effect if and when:
3.2.1 A credit card authorisation is received from the issuing bank; or
3.2.2 A bank transfer is received;

3.3 Wealth Creation Trust reserves the right to refuse to accept and/or execute an order without giving any reasons. Wealth Creation Trust also reserves the right to cancel orders in whole or in part as circumstances dictate. Wealth Creation Trust shall only be liable to refund monies already paid by the user.


4.1 The website offers access to the knowledge posted on the website and regular emails sent from the system
4.2 Whilst every effort has been made to test this information, no guarantees on the accuracy of the information is given or implied.
4.3 This service is for personal use only and the information on this site may not be divulged by the subscriber to any third party other than with the written consent of all the trustees of the Wealth Creation Trust. Any misuse of this service or data will lead to a minimum fine of R50000, payable by the user to the Trust with total cooperation.
4.4 Wealth Creation Trust reserves the right to change these terms and conditions as and when they see fit.


5.1 If a user is not satisfied with Wealth Creation Trust's service, he/she may cancel the service within 7 days of payment:


6.1 This site is hosted, controlled and operated from the Republic of South Africa and therefor governed by South African law.


7.1 Wealth Creation Trust shall take all reasonable steps to protect the personal information of users. For the purpose of this clause, "personal information" shall be defined as detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA). The PAIA may be downloaded from: http://www.polity.org.za/html/govdocs/legislation/2000/act2.pdf


8.1 Any person that delivers or attempts to deliver any damaging code to this web site or attempts to gain unauthorised access to any page on this web site shall be prosecuted and civil damages shall be claimed in the event that Wealth Creation Trust suffers any damage or loss.
8.2 Users may click on the VCS logo to view their security certificate .


9.1 Wealth Creation Trust is a Trust registered as IT 8780/2004.
9.2  Right of admission reserved.

10.All the information available on this website (including the lessons) is for personal and private use only and may not be reproduced, distributed or transmitted in any form or by any means or stored in a retrieval system, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of the trustees of the Wealth Creation Trust.  The information, notes and lessons are made available subject to the authors copyright and none-exclusive user rights granted to you to use them solely for your personal and private purposes and not to distribute them in any form.