These terms and conditions govern your use of the personal finance mobile application Astute, developed and operated by AWork. By accessing or using Astute, you agree to comply with and be bound by the following terms. If you do not agree to these terms, please do not use the app.

1. No Financial Advice

Astute is designed to support financial literacy and provide general guidance for managing your money. However, the app does not offer financial, investment, tax, or legal advice. All information and content provided within the app are for informational and educational purposes only.

You are solely responsible for any decisions made based on insights or suggestions provided in the app. If you require professional advice, we encourage you to consult a certified financial advisor or qualified expert.

2. Not a Registered Financial Institution

Astute is not a bank, credit provider, financial services provider, or investment advisory firm. We are not registered with any financial regulatory authority, and we do not manage, invest, or hold user funds.

3. No Liability

AWork and Astute shall not be held liable for any direct, indirect, incidental, or consequential loss or damage resulting from your use of the app or any financial decisions made using information presented within it. You use the app at your own risk.

4. Accuracy and Availability

While we strive to keep the information in the app accurate and up to date, we make no warranties regarding the reliability, completeness, or accuracy of any content. Features may be modified or discontinued without notice, and we do not guarantee uninterrupted access.

5. User Conduct

You agree not to misuse the app, attempt unauthorised access, or engage in any activity that disrupts or harms the platform or other users.

6. Modifications to These Terms

We reserve the right to update these terms and conditions at any time. Continued use of Astute after any changes constitutes your acceptance of the new terms. We recommend reviewing this page periodically.

7. Governing Law

These terms are governed by the laws of South Africa. Any disputes arising from your use of Astute will be subject to the jurisdiction of the relevant courts in South Africa.

8. Contact Us

If you have any questions about these terms and conditions, please contact us at support@kukuracapital.com.

Last updated: 1 August 2025