### 1. Acceptance of Terms

By accessing or using arakobarko.com, you agree to comply with these Terms. If you do not accept them, please discontinue use immediately.

### 2. Our Service Scope

We provide general financial insights based on repeatable daily habits—this is not individual investment advice or product recommendation.

We strive for current and accurate information but do not guarantee completeness. Results may vary for users depending on personal circumstances.

### 4. User Responsibilities

You are responsible for safeguarding your account details and ensuring compliance with local laws when using this site.

### 5. Intellectual Property Rights

All content, trademarks, and materials on arakobarko.com remain the property of their respective owners and may not be reproduced without permission.

### 6. Limitation of Liability

arakobarko.com is not liable for any loss or damage resulting from decisions based on site content, except as required by law.

Our website may link to third-party sites. We are not responsible for their content or practices.

### 8. Amendments to Terms

These Terms may be updated. Continued use of the site after changes signals your acceptance.

### 9. Governing Law

These Terms are governed by South African law and jurisdiction.

### 10. Contact Information

Questions about these Terms can be addressed via email, phone, or our contact form.