Terms & Conditions

This portal is operated by Mosaic Family Office Pty Ltd (“Mosaic”). By accessing or using Mosaic Hub, you agree to be bound by these terms and conditions.

Acceptance of Terms of Use

Mosaic Hub is offered conditional upon your acceptance of the terms, conditions, and notices contained herein, as updated from time to time. By using the portal, you agree to these terms. Mosaic may modify, suspend, discontinue, or restrict any portion of the portal at any time, without notice or liability.

Restricted Use / Confidentiality

Access to Mosaic Hub is provided for your personal use only. You may not sell, distribute, or share information obtained from the portal with any third party without written permission. Confidentiality obligations do not apply to information already in the public domain (other than through your breach) or required to be disclosed by law.

User Password and Security

The confidentiality of your username and password is your responsibility. You must notify Mosaic immediately of any unauthorised use or security breach. Use of another person's credentials is prohibited.

You acknowledge that username/password authentication is adequate security. Mosaic uses industry-standard encryption and measures, but no system is entirely risk-free. Mosaic is not liable for any harm related to misuse or theft of credentials.

Mosaic makes no warranty regarding security efficacy and shall not be liable for damages arising from any breach.

Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Mosaic Family Office Pty Ltd, its directors, officers, and employees from any claims, losses, or damages arising from your use of the portal or breach of these terms.

General Terms

Mosaic reserves the right to modify the portal and its content. Reliance on content is at your own risk. All intellectual property rights are reserved. These terms are governed by the laws of the Republic of South Africa.

Privacy and Security Policy

Mosaic Family Office Pty Ltd respects your privacy and keeps personal information confidential. Data is used solely to provide requested services and is not sold or shared except where required by law or regulators.

Cookies

The portal uses cookies to enhance functionality. Disabling cookies may affect performance.

Monitoring

Usage may be monitored anonymously to improve services.