Disclaimer

Please read this Disclaimer carefully before using the CMART™ App platform, visiting cmart-app.co.za, or relying on any content, results, or information provided by Creative Media Agency through any of its services, communications, or marketing materials.

1. General Information Only

The content published on cmart-app.co.za — including blog articles, help centre guides, learning hub materials, industry guides, the CMART Growth Score™ assessment, video tutorials, and all other resources — is provided for general informational and educational purposes only.

This content does not constitute professional advice of any kind, including but not limited to legal, financial, tax, accounting, investment, or business advisory services. You should not rely on any content from this platform as a substitute for qualified professional advice tailored to your specific circumstances.

If you require professional guidance, we strongly recommend consulting a qualified attorney, accountant, financial advisor, or other relevant professional registered and practising in South Africa.

2. No Guarantee of Results

The CMART™ App is a business and marketing platform. While we are confident in the value it can deliver, we do not guarantee any specific business results, revenue outcomes, lead volumes, conversion rates, or return on investment from using the platform or implementing any strategies described in our content.

Any revenue figures, ROI calculations, business examples, or case studies referenced on cmart-app.co.za or in our marketing materials are provided for illustrative purposes only. They represent potential outcomes based on assumptions that may not apply to your specific business, industry, market conditions, or level of implementation.

Individual results will vary based on factors including but not limited to:

• The nature and competitiveness of your industry
• Your existing client base, marketing activity, and brand presence
• The quality and consistency of your service delivery
• Your level of engagement with and implementation of the platform features
• General economic conditions in South Africa and your specific market
• Factors entirely outside our control

Nothing in our marketing materials, blog content, email communications, social media posts, video tutorials, or sales conversations should be interpreted as a promise, guarantee, or warranty of specific results.

3. The CMART Growth Score™ Assessment

The CMART Growth Score™ is a self-assessment tool designed to help service business owners reflect on the current state of their digital systems and identify areas for potential improvement. It is based on generalised frameworks applicable to South African service businesses.

The Growth Score™ results and any recommendations generated:

• Are based solely on the answers you provide and do not constitute a professional business audit or diagnostic
• Are intended as a starting point for reflection, not as definitive business advice
• Do not account for all variables relevant to your specific business situation
• Should not be relied upon as the sole basis for major business decisions or financial commitments

We encourage you to use the Growth Score™ as one input among many when evaluating your business systems and technology needs.

4. Blog Articles, Guides, and Educational Content

All blog articles, industry guides, whitepapers, video tutorials, and other educational content published by Creative Media Agency are:

• Written for general audiences and may not apply to your specific situation
• Accurate to the best of our knowledge at the time of publication but subject to change as laws, regulations, platform features, and market conditions evolve
• Not updated automatically and may become outdated over time
• Not a substitute for professional legal, financial, tax, or business advice

We make no representation that the information in our content is complete, current, or suitable for any particular purpose. Any action you take based on information from our content is entirely at your own risk.

5. Financial and Revenue Figures

Any financial figures, revenue examples, pricing benchmarks, cost calculations, or ROI projections mentioned on this platform or in our marketing materials are:

• Illustrative estimates only and not based on audited financial data unless explicitly stated
• Based on assumptions that may differ significantly from your circumstances
• Not a forecast, projection, or guarantee of what your business will earn or save
• Not financial advice as defined under the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS Act)

We are not registered financial service providers under the FAIS Act and do not provide financial planning, investment, or advisory services.

6. Third-Party Links and External Resources

The CMART™ App and cmart-app.co.za may contain links to third-party websites, resources, tools, or services. These links are provided for your convenience and do not constitute an endorsement, recommendation, or guarantee of the quality, accuracy, or reliability of any third-party content.

We have no control over the content, privacy practices, or availability of external sites. Accessing third-party links is entirely at your own risk, and you should review the terms and privacy policies of any third-party site you visit.

7. Platform Availability and Accuracy

While we make every effort to ensure the CMART™ App operates reliably and that the information on cmart-app.co.za is accurate, we do not warrant that:

• The platform will be available at all times or free from errors, interruptions, or security vulnerabilities
• All content on the website is complete, current, or error-free
• The platform will meet your specific requirements or expectations
• Any defects in the platform will be corrected immediately

We disclaim all liability for any loss, inconvenience, or damage arising from temporary unavailability, technical errors, or inaccuracies in platform content.

8. AI-Generated Content

The CMART™ App includes AI-powered tools such as the AI Content Writer, AI Receptionist, and AI Chat Widget. Content generated by these AI tools:

• Is produced algorithmically and may not always be accurate, appropriate, or complete
• Should be reviewed and edited by you before use in client-facing communications, marketing materials, or any other business context
• Does not constitute professional, legal, financial, or medical advice
• Remains your responsibility to verify for accuracy and compliance with applicable laws before publishing or sending

We are not liable for any loss or damage arising from reliance on unreviewed AI-generated content used in your business.

9. Testimonials and Case Studies

Testimonials, case studies, and client examples referenced on cmart-app.co.za reflect the genuine experiences of individual clients. They are provided for illustrative purposes and do not imply that all users will achieve similar outcomes.

Results referenced in testimonials are specific to the individual circumstances of the client concerned and are not a representation of what you will achieve. Where composite examples are used, this will be indicated.

10. POPIA and Marketing Communications

All email, SMS, and WhatsApp marketing communications sent by Creative Media Agency are compliant with the Protection of Personal Information Act 4 of 2013 (POPIA) and include a clear and functional opt-out mechanism. If you receive a communication from us that you believe is not compliant, please notify us immediately at support@creativemediagency.co.za.

11. Limitation of Liability

To the fullest extent permitted by South African law, Creative Media Agency (a Division of Digital Business Solutions (Pty) Ltd), its directors, employees, agents, and partners shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use the CMART™ App or cmart-app.co.za
• Reliance on any content, guide, assessment result, or recommendation provided through our platform or communications
• Any business decisions made based on information from our platform
• Interruptions, errors, or security incidents affecting the platform
• Actions or content of third-party services linked to or integrated with the platform

12. Governing Law

This Disclaimer is governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising in connection with this Disclaimer shall be subject to the exclusive jurisdiction of the South African courts.

13. Contact Us

If you have any questions about this Disclaimer or any content on the CMART™ App platform, please contact us:

Creative Media Agency
A Division of Digital Business Solutions (Pty) Ltd
196 Willson Street, Fairland, Johannesburg, 2170
Gauteng, South Africa
Email: support@creativemediagency.co.za
Website: cmart-app.co.za

This Disclaimer was last updated in May 2026 and is effective from 1 June 2026.

Creative Media Agency (a Division of Digital Business Solutions (Pty) Ltd) · cmart-app.co.za · Powered by Creative Media Agency

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