Disclaimer \u2014 Refiloe Mokgalaka<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;1,300;1,400&family=Jost:wght@200;300;400;500&family=Space+Mono&display=swap\" rel=\"stylesheet\">\n<style>\n\/* \u2500\u2500 BASE (.rmk system \u2014 mirrors contact page exactly) \u2500\u2500 *\/\n.rmk{width:100vw;margin-left:calc(-50vw + 50%);box-sizing:border-box;font-family:'Jost',sans-serif;line-height:1.7;color:#f5f0e8;overflow-x:hidden;}\n#rmk-c,#rmk-r{position:fixed;border-radius:50%;pointer-events:none;z-index:2147483647;transform:translate(-50%,-50%);opacity:0;transition-timing-function:ease;}\n#rmk-c{width:9px;height:9px;background:#c4974a;transition:width .1s,height .1s,opacity .15s;}\n#rmk-r{width:34px;height:34px;border:1.5px solid #c4974a;transition:width .2s,height .2s,opacity .2s;}\n.rmk *{cursor:none!important;}\n.rmk{--ink:#0b0906;--deep:#131009;--card:#1a1612;--mid:#252019;--cr:#f5f0e8;--g:#c4974a;--g2:#ddb86a;--gx:rgba(196,151,74,.13);--br:rgba(196,151,74,.18);}\n.rmk-hero{position:relative;min-height:46vh;display:flex;align-items:flex-end;padding:5rem 5vw 4.5rem;overflow:hidden;background:var(--ink);}\n.rmk-hbg{position:absolute;inset:0;background:url('https:\/\/images.unsplash.com\/photo-1573496359142-b8d87734a5a2?w=1600&q=75&auto=format') center 20%\/cover no-repeat;will-change:transform;opacity:.15;}\n.rmk-hbg::after{content:'';position:absolute;inset:0;background:linear-gradient(110deg,rgba(11,9,6,1) 35%,rgba(11,9,6,.6) 70%,rgba(11,9,6,.97) 100%);}\n.rmk-hgrid{position:absolute;inset:0;background-image:linear-gradient(rgba(196,151,74,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(196,151,74,.035) 1px,transparent 1px);background-size:60px 60px;z-index:1;}\n.rmk-hbody{position:relative;z-index:2;max-width:780px;}\n.rmk h1{font-family:'Cormorant Garamond',Georgia,serif;font-size:clamp(2.6rem,5.2vw,4.6rem);font-weight:300;line-height:1.06;letter-spacing:-.02em;color:var(--cr);margin:0 0 .7rem;}\n.rmk h1 em{font-style:italic;color:var(--g);}\n.rmk-eye{display:inline-flex;align-items:center;gap:.9rem;font-family:'Space Mono',monospace;font-size:.6rem;letter-spacing:.24em;text-transform:uppercase;color:var(--g);margin-bottom:1.4rem;}\n.rmk-eye::before{content:'';width:28px;height:1px;background:var(--g);}\n.rmk-meta{font-family:'Space Mono',monospace;font-size:.55rem;letter-spacing:.16em;color:rgba(245,240,232,.3);margin-top:.5rem;text-transform:uppercase;}\n.rmk-legal-wrap{background:var(--deep);padding:5rem 5vw 7rem;}\n.rmk-legal-inner{max-width:860px;margin:0 auto;}\n.rmk-notice{border:1px solid rgba(196,151,74,.35);background:rgba(196,151,74,.06);padding:1.8rem 2.2rem;margin:0 0 3.5rem;position:relative;overflow:hidden;}\n.rmk-notice::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--g),var(--g2));}\n.rmk-notice p{font-size:.88rem;color:rgba(245,240,232,.72);line-height:1.85;margin:0;}\n.rmk-notice strong{color:var(--g);}\n.rmk h2{font-family:'Cormorant Garamond',Georgia,serif;font-size:clamp(1.45rem,2.8vw,2rem);font-weight:300;color:var(--cr);margin:3.5rem 0 .8rem;padding-left:1.3rem;border-left:2px solid var(--g);line-height:1.2;}\n.rmk h3{font-family:'Jost',sans-serif;font-size:.76rem;font-weight:500;color:var(--g2);margin:1.6rem 0 .5rem;text-transform:uppercase;letter-spacing:.1em;}\n.rmk-lp{font-size:.9rem;color:rgba(245,240,232,.68);line-height:1.9;margin-bottom:.9rem;}\n.rmk-lp strong{color:var(--cr);font-weight:500;}\n.rmk-lul{list-style:none;padding:0;margin:.3rem 0 1.2rem;}\n.rmk-lul li{font-size:.88rem;color:rgba(245,240,232,.64);padding:.38rem 0 .38rem 1.5rem;position:relative;line-height:1.75;border-bottom:1px solid rgba(196,151,74,.07);}\n.rmk-lul li:last-child{border-bottom:none;}\n.rmk-lul li::before{content:'\u2013';position:absolute;left:0;color:var(--g);font-family:'Space Mono',monospace;font-size:.8rem;}\n.rmk-ldiv{height:1px;background:rgba(196,151,74,.12);margin:2.8rem 0;}\n.rmkrv{opacity:0;transform:translateY(18px);transition:opacity .62s ease,transform .62s ease;}\n.rmkrv.in{opacity:1;transform:translateY(0);}\n.rmkrv.d1{transition-delay:.08s;}.rmkrv.d2{transition-delay:.15s;}\n@media(max-width:820px){.rmk-hero{padding:4rem 1.4rem 3.5rem;min-height:38vh;}.rmk-legal-wrap{padding:3.5rem 1.4rem 5rem;}}\n\n<\/style>\n<\/head>\n<body>\n<div id=\"rmk-c\"><\/div>\n<div id=\"rmk-r\"><\/div>\n<div class=\"rmk\">\n\n<div class=\"rmk-hero\">\n <div class=\"rmk-hbg\" id=\"rmk-hbg\"><\/div>\n <div class=\"rmk-hgrid\"><\/div>\n <div class=\"rmk-hbody\">\n <p class=\"rmk-eye\">Legal<\/p>\n <h1><em>Disclaimer<\/em><\/h1>\n <p class=\"rmk-meta\">Effective Date: 29 February 2025<\/p>\n <\/div>\n<\/div>\n\n<div class=\"rmk rmk-legal-wrap\">\n<div class=\"rmk-legal-inner\">\n\n <div class=\"rmk-notice rmkrv\">\n <p><strong>Important Notice:<\/strong> Please read this disclaimer carefully before using www.refiloemokgalaka.com. By accessing and using this website, you acknowledge and agree to the terms outlined below.<\/p>\n <\/div>\n\n <div class=\"rmkrv\">\n <h2>1. General Information<\/h2>\n <p class=\"rmk-lp\">The information provided on www.refiloemokgalaka.com is for general informational purposes only. All information on the website is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the website.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>2. No Professional Advice<\/h2>\n <p class=\"rmk-lp\">The content on this website does not constitute professional advice. You should not act or refrain from acting on the basis of any content included on this website without seeking professional or specialist advice. The information provided should not be used as a substitute for consultation with professional advisors.<\/p>\n <h3>2.1 Specific Disclaimers<\/h3>\n <p class=\"rmk-lp\">The content on this website is not intended to serve as:<\/p>\n <ul class=\"rmk-lul\">\n <li>Legal advice<\/li>\n <li>Financial advice<\/li>\n <li>Medical advice<\/li>\n <li>Tax advice<\/li>\n <li>Professional consulting advice<\/li>\n <li>Investment advice<\/li>\n <\/ul>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>3. External Links Disclaimer<\/h2>\n <p class=\"rmk-lp\">This website may contain links to external websites that are not provided or maintained by or in any way affiliated with www.refiloemokgalaka.com. We do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.<\/p>\n <p class=\"rmk-lp\">The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. We have no control over the nature, content, and availability of those sites. If you click on external links, you do so at your own risk.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>4. Limitation of Liability<\/h2>\n <p class=\"rmk-lp\">Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the website or reliance on any information provided on the website. Your use of the website and your reliance on any information on the website is solely at your own risk.<\/p>\n <h3>4.1 Exclusions<\/h3>\n <p class=\"rmk-lp\">We shall not be liable for:<\/p>\n <ul class=\"rmk-lul\">\n <li>Any direct, indirect, incidental, consequential, or punitive damages<\/li>\n <li>Loss of profits, revenue, data, or use<\/li>\n <li>Business interruption<\/li>\n <li>Personal injury or property damage<\/li>\n <li>Any damages arising from your access to or use of the website<\/li>\n <li>Errors or omissions in content<\/li>\n <li>Unauthorised access to or use of our servers<\/li>\n <\/ul>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>5. Accuracy and Completeness<\/h2>\n <p class=\"rmk-lp\">While we strive to keep the information on this website accurate and up-to-date, we make no guarantees about the completeness, reliability, or accuracy of this information. Any reliance you place on such information is strictly at your own risk.<\/p>\n <p class=\"rmk-lp\">Information on this website may contain technical inaccuracies or typographical errors. We reserve the right to make changes and corrections at any time, without notice.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>6. No Warranties<\/h2>\n <p class=\"rmk-lp\">This website is provided on an “as is” and “as available” basis. We make no warranties, expressed or implied, and hereby disclaim and negate all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>7. Testimonials and Reviews<\/h2>\n <p class=\"rmk-lp\">Any testimonials, reviews, or endorsements displayed on this website represent the personal experiences and opinions of those individuals. They do not necessarily reflect our views or indicate that all users will achieve the same or similar results.<\/p>\n <p class=\"rmk-lp\">Results may vary and we make no guarantee that you will achieve specific results from using the information provided on this website.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>8. Third-Party Content<\/h2>\n <p class=\"rmk-lp\">Third-party content may appear on the website or may be accessible via links from the website. We are not responsible for and assume no liability for any third-party content, including but not limited to any errors, omissions, or inaccuracies in such content.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>9. Website Availability<\/h2>\n <p class=\"rmk-lp\">We do not warrant that the website will be available at all times or that it will be uninterrupted or error-free. We reserve the right to suspend, withdraw, or restrict the availability of all or any part of the website for business and operational reasons.<\/p>\n <p class=\"rmk-lp\">We will not be liable if for any reason all or any part of the website is unavailable at any time or for any period.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>10. Changes and Updates<\/h2>\n <p class=\"rmk-lp\">The content on this website is subject to change without notice. We reserve the right to modify, suspend, or discontinue any aspect of the website at any time, including the availability of any features, database, or content.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>11. Intellectual Property<\/h2>\n <p class=\"rmk-lp\">All content on this website, including but not limited to text, graphics, logos, images, audio clips, video clips, and software, is the property of www.refiloemokgalaka.com or its content suppliers and is protected by intellectual property laws.<\/p>\n <p class=\"rmk-lp\">Unauthorised use of any content may violate copyright, trademark, and other laws.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>12. User Responsibility<\/h2>\n <p class=\"rmk-lp\">You are responsible for:<\/p>\n <ul class=\"rmk-lul\">\n <li>Ensuring that your use of the website complies with all applicable laws and regulations<\/li>\n <li>Maintaining the confidentiality of any account information<\/li>\n <li>All activities that occur under your account or access credentials<\/li>\n <li>Verifying the accuracy of information before relying on it<\/li>\n <\/ul>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>13. Indemnification<\/h2>\n <p class=\"rmk-lp\">By using this website, you agree to indemnify and hold harmless www.refiloemokgalaka.com, its owners, employees, and representatives from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the website or violation of these terms.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>14. Governing Law<\/h2>\n <p class=\"rmk-lp\">This disclaimer shall be governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes relating to this disclaimer shall be subject to the exclusive jurisdiction of the courts of South Africa.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>15. Severability<\/h2>\n <p class=\"rmk-lp\">If any provision of this disclaimer is found to be invalid or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>16. Updates to Disclaimer<\/h2>\n <p class=\"rmk-lp\">We reserve the right to update or modify this disclaimer at any time without prior notice. Changes will be effective immediately upon posting on this page. Your continued use of the website following any changes constitutes your acceptance of the new disclaimer.<\/p>\n <p class=\"rmk-lp\">It is your responsibility to review this disclaimer periodically for updates.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>17. Contact Information<\/h2>\n <p class=\"rmk-lp\">If you have any questions about this disclaimer or require clarification on any point, please contact us through the website at:<\/p>\n <p class=\"rmk-lp\"><strong>Website:<\/strong> www.refiloemokgalaka.com<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmk-notice rmkrv\">\n <p><strong>By using www.refiloemokgalaka.com, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.<\/strong><\/p>\n <\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<script>\n(function(){\n var io=new IntersectionObserver(function(es){es.forEach(function(e,i){if(e.isIntersecting){setTimeout(function(){e.target.classList.add('in');},i*55);io.unobserve(e.target);}});},{threshold:.08});\n document.querySelectorAll('.rmkrv').forEach(function(el){io.observe(el);});\n window.addEventListener('scroll',function(){var el=document.getElementById('rmk-hbg');if(el)el.style.transform='translateY('+(window.scrollY*.15)+'px)';},{passive:true});\n var C=document.getElementById('rmk-c'),R=document.getElementById('rmk-r');\n if(!C||!R)return;\n var mx=0,my=0,rx=0,ry=0,raf=null,inside=false;\n document.addEventListener('mousemove',function(e){mx=e.clientX;my=e.clientY;C.style.left=mx+'px';C.style.top=my+'px';if(!raf)raf=requestAnimationFrame(function loop(){rx+=(mx-rx)*.12;ry+=(my-ry)*.12;R.style.left=rx+'px';R.style.top=ry+'px';raf=requestAnimationFrame(loop);});});\n document.querySelectorAll('.rmk').forEach(function(s){s.addEventListener('mouseenter',function(){inside=true;C.style.opacity='1';R.style.opacity='.5';});s.addEventListener('mouseleave',function(){inside=false;C.style.opacity='0';R.style.opacity='0';C.style.width='9px';C.style.height='9px';R.style.width='34px';R.style.height='34px';});});\n document.querySelectorAll('.rmk a').forEach(function(el){el.addEventListener('mouseenter',function(){if(!inside)return;C.style.width='20px';C.style.height='20px';C.style.opacity='.2';R.style.width='12px';R.style.height='12px';R.style.opacity='.95';});el.addEventListener('mouseleave',function(){C.style.width='9px';C.style.height='9px';C.style.opacity='1';R.style.width='34px';R.style.height='34px';R.style.opacity='.5';});});\n document.addEventListener('mousedown',function(){if(inside){C.style.width='5px';C.style.height='5px';}});\n document.addEventListener('mouseup',function(){C.style.width='9px';C.style.height='9px';});\n})();\n<\/script>\n<\/body>\n<\/html>\n","protected":false},"excerpt":{"rendered":"<p>Disclaimer \u2014 Refiloe Mokgalaka Legal Disclaimer Effective Date: 29 February 2025 Important Notice: Please read this disclaimer carefully before using www.refiloemokgalaka.com. By accessing and using this website, you acknowledge and agree to the terms outlined below. 1. General Information The information provided on www.refiloemokgalaka.com is for general informational purposes only. All information on the website…<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_kad_post_transparent":"","_kad_post_title":"hide","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-521","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/refiloemokgalaka.com\/index.php\/wp-json\/wp\/v2\/pages\/521","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/refiloemokgalaka.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/refiloemokgalaka.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/refiloemokgalaka.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/refiloemokgalaka.com\/index.php\/wp-json\/wp\/v2\/comments?post=521"}],"version-history":[{"count":6,"href":"https:\/\/refiloemokgalaka.com\/index.php\/wp-json\/wp\/v2\/pages\/521\/revisions"}],"predecessor-version":[{"id":1466,"href":"https:\/\/refiloemokgalaka.com\/index.php\/wp-json\/wp\/v2\/pages\/521\/revisions\/1466"}],"wp:attachment":[{"href":"https:\/\/refiloemokgalaka.com\/index.php\/wp-json\/wp\/v2\/media?parent=521"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":521,"date":"2025-07-09T17:49:11","date_gmt":"2025-07-09T17:49:11","guid":{"rendered":"https:\/\/refiloemokgalaka.com\/?page_id=521"},"modified":"2026-03-06T11:20:17","modified_gmt":"2026-03-06T11:20:17","slug":"disclaimer-page","status":"publish","type":"page","link":"https:\/\/refiloemokgalaka.com\/index.php\/disclaimer-page\/","title":{"rendered":"Disclaimer Page"},"content":{"rendered":"\n\n\n\n\n\nDisclaimer \u2014 Refiloe Mokgalaka<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;1,300;1,400&family=Jost:wght@200;300;400;500&family=Space+Mono&display=swap\" rel=\"stylesheet\">\n<style>\n\/* \u2500\u2500 BASE (.rmk system \u2014 mirrors contact page exactly) \u2500\u2500 *\/\n.rmk{width:100vw;margin-left:calc(-50vw + 50%);box-sizing:border-box;font-family:'Jost',sans-serif;line-height:1.7;color:#f5f0e8;overflow-x:hidden;}\n#rmk-c,#rmk-r{position:fixed;border-radius:50%;pointer-events:none;z-index:2147483647;transform:translate(-50%,-50%);opacity:0;transition-timing-function:ease;}\n#rmk-c{width:9px;height:9px;background:#c4974a;transition:width .1s,height .1s,opacity .15s;}\n#rmk-r{width:34px;height:34px;border:1.5px solid #c4974a;transition:width .2s,height .2s,opacity .2s;}\n.rmk *{cursor:none!important;}\n.rmk{--ink:#0b0906;--deep:#131009;--card:#1a1612;--mid:#252019;--cr:#f5f0e8;--g:#c4974a;--g2:#ddb86a;--gx:rgba(196,151,74,.13);--br:rgba(196,151,74,.18);}\n.rmk-hero{position:relative;min-height:46vh;display:flex;align-items:flex-end;padding:5rem 5vw 4.5rem;overflow:hidden;background:var(--ink);}\n.rmk-hbg{position:absolute;inset:0;background:url('https:\/\/images.unsplash.com\/photo-1573496359142-b8d87734a5a2?w=1600&q=75&auto=format') center 20%\/cover no-repeat;will-change:transform;opacity:.15;}\n.rmk-hbg::after{content:'';position:absolute;inset:0;background:linear-gradient(110deg,rgba(11,9,6,1) 35%,rgba(11,9,6,.6) 70%,rgba(11,9,6,.97) 100%);}\n.rmk-hgrid{position:absolute;inset:0;background-image:linear-gradient(rgba(196,151,74,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(196,151,74,.035) 1px,transparent 1px);background-size:60px 60px;z-index:1;}\n.rmk-hbody{position:relative;z-index:2;max-width:780px;}\n.rmk h1{font-family:'Cormorant Garamond',Georgia,serif;font-size:clamp(2.6rem,5.2vw,4.6rem);font-weight:300;line-height:1.06;letter-spacing:-.02em;color:var(--cr);margin:0 0 .7rem;}\n.rmk h1 em{font-style:italic;color:var(--g);}\n.rmk-eye{display:inline-flex;align-items:center;gap:.9rem;font-family:'Space Mono',monospace;font-size:.6rem;letter-spacing:.24em;text-transform:uppercase;color:var(--g);margin-bottom:1.4rem;}\n.rmk-eye::before{content:'';width:28px;height:1px;background:var(--g);}\n.rmk-meta{font-family:'Space Mono',monospace;font-size:.55rem;letter-spacing:.16em;color:rgba(245,240,232,.3);margin-top:.5rem;text-transform:uppercase;}\n.rmk-legal-wrap{background:var(--deep);padding:5rem 5vw 7rem;}\n.rmk-legal-inner{max-width:860px;margin:0 auto;}\n.rmk-notice{border:1px solid rgba(196,151,74,.35);background:rgba(196,151,74,.06);padding:1.8rem 2.2rem;margin:0 0 3.5rem;position:relative;overflow:hidden;}\n.rmk-notice::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--g),var(--g2));}\n.rmk-notice p{font-size:.88rem;color:rgba(245,240,232,.72);line-height:1.85;margin:0;}\n.rmk-notice strong{color:var(--g);}\n.rmk h2{font-family:'Cormorant Garamond',Georgia,serif;font-size:clamp(1.45rem,2.8vw,2rem);font-weight:300;color:var(--cr);margin:3.5rem 0 .8rem;padding-left:1.3rem;border-left:2px solid var(--g);line-height:1.2;}\n.rmk h3{font-family:'Jost',sans-serif;font-size:.76rem;font-weight:500;color:var(--g2);margin:1.6rem 0 .5rem;text-transform:uppercase;letter-spacing:.1em;}\n.rmk-lp{font-size:.9rem;color:rgba(245,240,232,.68);line-height:1.9;margin-bottom:.9rem;}\n.rmk-lp strong{color:var(--cr);font-weight:500;}\n.rmk-lul{list-style:none;padding:0;margin:.3rem 0 1.2rem;}\n.rmk-lul li{font-size:.88rem;color:rgba(245,240,232,.64);padding:.38rem 0 .38rem 1.5rem;position:relative;line-height:1.75;border-bottom:1px solid rgba(196,151,74,.07);}\n.rmk-lul li:last-child{border-bottom:none;}\n.rmk-lul li::before{content:'\u2013';position:absolute;left:0;color:var(--g);font-family:'Space Mono',monospace;font-size:.8rem;}\n.rmk-ldiv{height:1px;background:rgba(196,151,74,.12);margin:2.8rem 0;}\n.rmkrv{opacity:0;transform:translateY(18px);transition:opacity .62s ease,transform .62s ease;}\n.rmkrv.in{opacity:1;transform:translateY(0);}\n.rmkrv.d1{transition-delay:.08s;}.rmkrv.d2{transition-delay:.15s;}\n@media(max-width:820px){.rmk-hero{padding:4rem 1.4rem 3.5rem;min-height:38vh;}.rmk-legal-wrap{padding:3.5rem 1.4rem 5rem;}}\n\n<\/style>\n<\/head>\n<body>\n<div id=\"rmk-c\"><\/div>\n<div id=\"rmk-r\"><\/div>\n<div class=\"rmk\">\n\n<div class=\"rmk-hero\">\n <div class=\"rmk-hbg\" id=\"rmk-hbg\"><\/div>\n <div class=\"rmk-hgrid\"><\/div>\n <div class=\"rmk-hbody\">\n <p class=\"rmk-eye\">Legal<\/p>\n <h1><em>Disclaimer<\/em><\/h1>\n <p class=\"rmk-meta\">Effective Date: 29 February 2025<\/p>\n <\/div>\n<\/div>\n\n<div class=\"rmk rmk-legal-wrap\">\n<div class=\"rmk-legal-inner\">\n\n <div class=\"rmk-notice rmkrv\">\n <p><strong>Important Notice:<\/strong> Please read this disclaimer carefully before using www.refiloemokgalaka.com. By accessing and using this website, you acknowledge and agree to the terms outlined below.<\/p>\n <\/div>\n\n <div class=\"rmkrv\">\n <h2>1. General Information<\/h2>\n <p class=\"rmk-lp\">The information provided on www.refiloemokgalaka.com is for general informational purposes only. All information on the website is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the website.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>2. No Professional Advice<\/h2>\n <p class=\"rmk-lp\">The content on this website does not constitute professional advice. You should not act or refrain from acting on the basis of any content included on this website without seeking professional or specialist advice. The information provided should not be used as a substitute for consultation with professional advisors.<\/p>\n <h3>2.1 Specific Disclaimers<\/h3>\n <p class=\"rmk-lp\">The content on this website is not intended to serve as:<\/p>\n <ul class=\"rmk-lul\">\n <li>Legal advice<\/li>\n <li>Financial advice<\/li>\n <li>Medical advice<\/li>\n <li>Tax advice<\/li>\n <li>Professional consulting advice<\/li>\n <li>Investment advice<\/li>\n <\/ul>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>3. External Links Disclaimer<\/h2>\n <p class=\"rmk-lp\">This website may contain links to external websites that are not provided or maintained by or in any way affiliated with www.refiloemokgalaka.com. We do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.<\/p>\n <p class=\"rmk-lp\">The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. We have no control over the nature, content, and availability of those sites. If you click on external links, you do so at your own risk.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>4. Limitation of Liability<\/h2>\n <p class=\"rmk-lp\">Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the website or reliance on any information provided on the website. Your use of the website and your reliance on any information on the website is solely at your own risk.<\/p>\n <h3>4.1 Exclusions<\/h3>\n <p class=\"rmk-lp\">We shall not be liable for:<\/p>\n <ul class=\"rmk-lul\">\n <li>Any direct, indirect, incidental, consequential, or punitive damages<\/li>\n <li>Loss of profits, revenue, data, or use<\/li>\n <li>Business interruption<\/li>\n <li>Personal injury or property damage<\/li>\n <li>Any damages arising from your access to or use of the website<\/li>\n <li>Errors or omissions in content<\/li>\n <li>Unauthorised access to or use of our servers<\/li>\n <\/ul>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>5. Accuracy and Completeness<\/h2>\n <p class=\"rmk-lp\">While we strive to keep the information on this website accurate and up-to-date, we make no guarantees about the completeness, reliability, or accuracy of this information. Any reliance you place on such information is strictly at your own risk.<\/p>\n <p class=\"rmk-lp\">Information on this website may contain technical inaccuracies or typographical errors. We reserve the right to make changes and corrections at any time, without notice.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>6. No Warranties<\/h2>\n <p class=\"rmk-lp\">This website is provided on an “as is” and “as available” basis. We make no warranties, expressed or implied, and hereby disclaim and negate all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>7. Testimonials and Reviews<\/h2>\n <p class=\"rmk-lp\">Any testimonials, reviews, or endorsements displayed on this website represent the personal experiences and opinions of those individuals. They do not necessarily reflect our views or indicate that all users will achieve the same or similar results.<\/p>\n <p class=\"rmk-lp\">Results may vary and we make no guarantee that you will achieve specific results from using the information provided on this website.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>8. Third-Party Content<\/h2>\n <p class=\"rmk-lp\">Third-party content may appear on the website or may be accessible via links from the website. We are not responsible for and assume no liability for any third-party content, including but not limited to any errors, omissions, or inaccuracies in such content.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>9. Website Availability<\/h2>\n <p class=\"rmk-lp\">We do not warrant that the website will be available at all times or that it will be uninterrupted or error-free. We reserve the right to suspend, withdraw, or restrict the availability of all or any part of the website for business and operational reasons.<\/p>\n <p class=\"rmk-lp\">We will not be liable if for any reason all or any part of the website is unavailable at any time or for any period.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>10. Changes and Updates<\/h2>\n <p class=\"rmk-lp\">The content on this website is subject to change without notice. We reserve the right to modify, suspend, or discontinue any aspect of the website at any time, including the availability of any features, database, or content.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>11. Intellectual Property<\/h2>\n <p class=\"rmk-lp\">All content on this website, including but not limited to text, graphics, logos, images, audio clips, video clips, and software, is the property of www.refiloemokgalaka.com or its content suppliers and is protected by intellectual property laws.<\/p>\n <p class=\"rmk-lp\">Unauthorised use of any content may violate copyright, trademark, and other laws.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>12. User Responsibility<\/h2>\n <p class=\"rmk-lp\">You are responsible for:<\/p>\n <ul class=\"rmk-lul\">\n <li>Ensuring that your use of the website complies with all applicable laws and regulations<\/li>\n <li>Maintaining the confidentiality of any account information<\/li>\n <li>All activities that occur under your account or access credentials<\/li>\n <li>Verifying the accuracy of information before relying on it<\/li>\n <\/ul>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>13. Indemnification<\/h2>\n <p class=\"rmk-lp\">By using this website, you agree to indemnify and hold harmless www.refiloemokgalaka.com, its owners, employees, and representatives from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the website or violation of these terms.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>14. Governing Law<\/h2>\n <p class=\"rmk-lp\">This disclaimer shall be governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes relating to this disclaimer shall be subject to the exclusive jurisdiction of the courts of South Africa.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>15. Severability<\/h2>\n <p class=\"rmk-lp\">If any provision of this disclaimer is found to be invalid or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>16. Updates to Disclaimer<\/h2>\n <p class=\"rmk-lp\">We reserve the right to update or modify this disclaimer at any time without prior notice. Changes will be effective immediately upon posting on this page. Your continued use of the website following any changes constitutes your acceptance of the new disclaimer.<\/p>\n <p class=\"rmk-lp\">It is your responsibility to review this disclaimer periodically for updates.<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmkrv\">\n <h2>17. Contact Information<\/h2>\n <p class=\"rmk-lp\">If you have any questions about this disclaimer or require clarification on any point, please contact us through the website at:<\/p>\n <p class=\"rmk-lp\"><strong>Website:<\/strong> www.refiloemokgalaka.com<\/p>\n <\/div>\n\n <div class=\"rmk-ldiv\"><\/div>\n\n <div class=\"rmk-notice rmkrv\">\n <p><strong>By using www.refiloemokgalaka.com, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.<\/strong><\/p>\n <\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<script>\n(function(){\n var io=new IntersectionObserver(function(es){es.forEach(function(e,i){if(e.isIntersecting){setTimeout(function(){e.target.classList.add('in');},i*55);io.unobserve(e.target);}});},{threshold:.08});\n document.querySelectorAll('.rmkrv').forEach(function(el){io.observe(el);});\n window.addEventListener('scroll',function(){var el=document.getElementById('rmk-hbg');if(el)el.style.transform='translateY('+(window.scrollY*.15)+'px)';},{passive:true});\n var C=document.getElementById('rmk-c'),R=document.getElementById('rmk-r');\n if(!C||!R)return;\n var mx=0,my=0,rx=0,ry=0,raf=null,inside=false;\n document.addEventListener('mousemove',function(e){mx=e.clientX;my=e.clientY;C.style.left=mx+'px';C.style.top=my+'px';if(!raf)raf=requestAnimationFrame(function loop(){rx+=(mx-rx)*.12;ry+=(my-ry)*.12;R.style.left=rx+'px';R.style.top=ry+'px';raf=requestAnimationFrame(loop);});});\n document.querySelectorAll('.rmk').forEach(function(s){s.addEventListener('mouseenter',function(){inside=true;C.style.opacity='1';R.style.opacity='.5';});s.addEventListener('mouseleave',function(){inside=false;C.style.opacity='0';R.style.opacity='0';C.style.width='9px';C.style.height='9px';R.style.width='34px';R.style.height='34px';});});\n document.querySelectorAll('.rmk a').forEach(function(el){el.addEventListener('mouseenter',function(){if(!inside)return;C.style.width='20px';C.style.height='20px';C.style.opacity='.2';R.style.width='12px';R.style.height='12px';R.style.opacity='.95';});el.addEventListener('mouseleave',function(){C.style.width='9px';C.style.height='9px';C.style.opacity='1';R.style.width='34px';R.style.height='34px';R.style.opacity='.5';});});\n document.addEventListener('mousedown',function(){if(inside){C.style.width='5px';C.style.height='5px';}});\n document.addEventListener('mouseup',function(){C.style.width='9px';C.style.height='9px';});\n})();\n<\/script>\n<\/body>\n<\/html>\n","protected":false},"excerpt":{"rendered":"<p>Disclaimer \u2014 Refiloe Mokgalaka Legal Disclaimer Effective Date: 29 February 2025 Important Notice: Please read this disclaimer carefully before using www.refiloemokgalaka.com. By accessing and using this website, you acknowledge and agree to the terms outlined below. 1. General Information The information provided on www.refiloemokgalaka.com is for general informational purposes only. 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