1. The service
ZA Toolkit offers free calculators, document templates and articles for people in South Africa. Features may change or be removed at any time.
2. Information only — not professional advice
Results, templates and articles are general guidance. They are not financial, tax, legal or immigration advice. Rates, laws and official rules change, and estimates may differ from what SARS, your bank, your employer, a university or a government department decides. Always check with the official source or a qualified professional before acting.
3. Document templates
Templates are starting points. You are responsible for checking that a document suits your situation and complies with current law (for example the BCEA, LRA, POPIA or Consumer Protection Act) before you sign or send it.
4. Accounts
Accounts are optional. Keep your login details safe; you are responsible for activity on your account. We may suspend accounts that misuse the service.
5. Reviews and content you submit
Reviews must be honest and lawful, and must not contain abuse, spam or other people's personal information. We may moderate or remove any submission. By submitting, you allow us to display it on the site.
6. Acceptable use
Do not attempt to disrupt the site, scrape it at scale, bypass security, or use it for unlawful purposes.
7. Advertising and third-party links
The site shows ads from Google AdSense and links to other websites. We are not responsible for third-party content, products or services.
8. Intellectual property
The site's design, text and code belong to ZA Toolkit. You may use generated documents for your own personal or business purposes.
9. Limitation of liability
The site is provided "as is". To the extent the law allows, ZA Toolkit is not liable for any loss arising from reliance on results, templates or content on the site.
10. Governing law
These terms are governed by the laws of the Republic of South Africa.
11. Contact
Questions: hello@zatoolkit.co.za.