Terms of Service

1. Acceptance of Terms

By accessing and using SA Business Tools ("the Service"), operated by Pivot X Agency ("we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and SA Business Tools.

If you do not agree to these Terms, you must not access or use our Service. Your continued use of the Service after any modifications to these Terms constitutes acceptance of such modifications.

2. Description of Service

SA Business Tools provides free online business calculators and tools specifically designed for South African businesses and professionals. Our services include:

• Salary Calculator: Calculate take-home pay with PAYE, UIF, and pension deductions
• VAT Calculator: Add or remove VAT from amounts for invoicing and accounting
• Tax Calculator: Calculate personal income tax based on SARS brackets
• QR Code Generator: Generate QR codes for business and personal use
• Business Guides: Educational content on South African tax and business regulations
• Additional Tools: Other business-related calculation and utility tools

3. User Eligibility and Registration

3.1 Age Requirements

You must be at least 18 years old to use this Service. By using the Service, you represent and warrant that you have the legal capacity to enter into these Terms and comply with all applicable laws.

3.2 Business Use

If you are using the Service on behalf of a business or organization, you represent that you have the authority to bind that entity to these Terms.

4. Acceptable Use Policy

4.1 Permitted Uses

You may use the Service for:

• Personal and business financial calculations
• Educational purposes and learning about South African tax regulations
• Planning and budgeting activities
• Generating QR codes for legitimate business purposes

4.2 Prohibited Uses

You agree NOT to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the Service or servers
• Use automated scripts, bots, or crawlers to access the Service
• Reproduce, duplicate, copy, or resell any part of the Service without permission
• Upload or transmit viruses, malware, or any malicious code
• Violate any applicable laws or regulations
• Impersonate any person or entity or misrepresent your affiliation
• Collect or harvest personal information from other users
• Use the Service to compete with or create a similar service

5. Accuracy and Limitations

5.1 Calculation Accuracy

• Our calculations are based on current South African tax laws and regulations
• Tax laws, rates, and thresholds may change without notice
• Individual circumstances may significantly affect actual calculations
• Complex tax situations require professional consultation
• We update our calculators regularly but cannot guarantee real-time accuracy

5.2 Professional Advice

Our Service does not constitute professional tax, legal, or financial advice. Always consult with qualified tax professionals, chartered accountants, or legal advisors for complex situations or before making important financial decisions.

6. Intellectual Property Rights

6.1 Our Content

The Service and its original content, features, functionality, calculators, algorithms, design, and user interface are owned by Pivot X Agency and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

6.2 License to Use

We grant you a limited, non-exclusive, non-transferable license to use the Service for your personal or business purposes in accordance with these Terms. This license does not include the right to reproduce, distribute, or create derivative works.

6.3 User-Generated Content

By submitting feedback, suggestions, or other content to us, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, and distribute such content.

7. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which governs the collection, use, and disclosure of personal information. By using the Service, you consent to the collection and use of information in accordance with our Privacy Policy.

8. Third-Party Services and Links

Our Service may contain links to third-party websites or services that are not owned or controlled by Pivot X Agency. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

We use third-party services for analytics, advertising, and other functionality. These services are governed by their own terms of service and privacy policies.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or free from viruses or other harmful components. You use the Service at your own risk.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PIVOT X AGENCY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES EXCEED THE AMOUNT OF R1,000 (ONE THOUSAND RAND) OR THE AMOUNT YOU PAID US IN THE LAST 12 MONTHS, WHICHEVER IS LESS.

11. Indemnification

You agree to indemnify, defend, and hold harmless Pivot X Agency, its officers, directors, employees, and agents from any claims, damages, losses, and expenses arising out of your use of the Service or violation of these Terms.

12. Service Availability

We strive to provide continuous service but cannot guarantee uninterrupted access. We may modify, suspend, or discontinue any part of the Service at any time without notice.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by:

• Posting updated Terms on our website
• Sending email notifications to registered users
• Displaying prominent notices on the Service

Your continued use of the Service after changes constitutes acceptance of the new Terms.

14. Termination

We may terminate or suspend your access to the Service at any time, with or without cause, with or without notice. You may stop using the Service at any time.

15. Governing Law and Jurisdiction

These Terms are governed by the laws of South Africa. Any disputes arising from these Terms or your use of the Service will be subject to the exclusive jurisdiction of the courts of South Africa.

16. Dispute Resolution

Before pursuing legal action, we encourage you to contact us directly to resolve any disputes. If a dispute cannot be resolved through direct communication, it may be subject to mediation or arbitration as permitted by South African law.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to be valid and enforceable.

18. Contact Information

If you have questions about these Terms of Service, please contact us:

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and SA Business Tools regarding your use of the Service.