Effective Date: 01 April 2026

1. Integrated Advisory Services

By engaging with Silverhurst Wealth Partners (Pty) Ltd (FSP 53208) through the AURA™ digital interface, you are accessing a proprietary financial advisory ecosystem. This service is designed for decisive individuals who require fast, responsive, and paperless wealth management.

2. The AURA™ Framework

AURA™ utilizes a multi-dimensional assessment model to analyze your financial health, spanning Medical Aid, Gap Cover, Investments, and Risk.

  • Data Accuracy: As a high-velocity service, AURA™ relies on the accuracy of the information you provide.
  • The “Doer” Commitment: AURA™ is built for action. Users who fail to engage with critical triggers or updates acknowledge that their financial plan may become fragmented or outdated.

3. Licensing & Professional Oversight

AURA™ is not a “DIY” software tool. Every insight, prompt, and recommendation is generated under the license and supervision of Silverhurst Wealth. While the delivery is automated and digital-first, the accountability remains with our licensed advisors.

4. The “Co-Pilot” Privacy Model (Spousal Linking)

AURA™ allows for the optional linking of household profiles to create a unified financial picture.

  • Consent-Based Sharing: Linking with a spouse is entirely voluntary.
  • Privacy Controls: While some “Household Dimensions” are synchronized for better planning, personal and individual data remains protected unless explicitly shared by the user.

5. Digital-First Communication

By utilizing AURA™, you agree to receive all advice, disclosures, and AuraPower™ momentum updates via secure digital channels (primarily WhatsApp).

  • Paperless Mandate: You consent to the use of digital signatures and electronic instructions as legally binding records of your intent.

6. Security & Proprietary IP

All systems, scoring models, and visual metaphors associated with AURA™ are the exclusive Intellectual Property of Silverhurst Wealth.

  • Confidentiality: The specific logic and methodology used to generate your financial profile are proprietary and protected by copyright.
  • Data Security: We maintain a rigorous, encrypted environment for all client records and interaction logs.

7. Limitation of Liability

Silverhurst Wealth is not liable for financial outcomes resulting from:

  • User-provided misinformation.
  • Delays in user response to time-sensitive triggers.
  • Changes in third-party product pricing (Medical Aid/Gap Cover).