Terms & Conditions

Last updated: June 8, 2026

1. Acceptance of Terms

By accessing and using Pay & Business ("the Website"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Information Provided for Educational Purposes Only

The information, tools, calculators, articles, and content provided on this Website are for general informational and educational purposes only. This Website does not constitute:

  • Professional financial advice
  • Tax advice
  • Legal advice
  • Accounting advice
  • Investment advice
  • Any form of professional consultation or recommendation

The content on this Website is not intended to be a substitute for professional advice from qualified tax professionals, accountants, financial advisors, or legal counsel.

3. No Liability for Actions Taken

Pay & Business , its owners, operators, employees, and affiliates shall not be held liable for any actions taken by users based on information, calculations, or content provided on this Website. This includes, but is not limited to:

  • Financial decisions made based on calculator results
  • Business decisions influenced by articles or guides
  • Tax filing decisions or strategies
  • Investment decisions
  • Employment or career decisions
  • Any other actions or decisions made in reliance on Website content

Users are solely responsible for their own decisions and actions. You acknowledge that any reliance on information from this Website is at your own risk.

4. Accuracy and Completeness Disclaimer

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about:

  • The completeness, accuracy, reliability, suitability, or availability of the information
  • The accuracy of calculations or estimates provided by our tools
  • The currency of tax rates, regulations, or legal information
  • The applicability of information to your specific circumstances

Tax laws, regulations, and rates change frequently. Information on this Website may become outdated or inaccurate. Always verify current information with official sources such as SARS (South African Revenue Service) or consult with qualified professionals.

5. Calculator and Tool Disclaimers

All calculations provided by our salary calculator and other tools are estimates only. These calculations:

  • May exclude various deductions (medical aid, pension, provident fund, etc.)
  • Do not replace official SARS or employer calculations
  • May differ significantly from your actual payslip or tax obligations
  • Are based on general assumptions that may not apply to your situation

Always confirm figures with your employer, SARS, or a qualified tax professional before making any financial decisions.

6. No Professional Relationship

Use of this Website does not create any professional, fiduciary, or advisory relationship between you and Pay & Business . We are not acting as your financial advisor, tax preparer, accountant, or legal counsel.

7. Limitation of Liability

To the fullest extent permitted by law, Pay & Business , its owners, operators, employees, affiliates, and partners shall not be liable for:

  • Any direct, indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, data, or business opportunities
  • Errors or omissions in content or calculations
  • Any damages resulting from your use or inability to use the Website
  • Any damages resulting from actions taken based on Website content

This limitation of liability applies regardless of the theory of liability, whether in contract, tort, strict liability, or otherwise, even if we have been advised of the possibility of such damages.

8. Third-Party Content and Links

This Website may contain links to third-party websites or references to third-party services. We do not:

  • Endorse or guarantee the accuracy of third-party content
  • Control or assume responsibility for third-party websites
  • Warrant the security or privacy practices of third-party sites

Accessing third-party links is at your own risk. We are not responsible for any content, products, services, or practices of third-party websites.

9. User Responsibility

You agree to:

  • Use the Website responsibly and in accordance with applicable laws
  • Verify all information independently before making decisions
  • Consult with qualified professionals for advice specific to your situation
  • Not hold Pay & Business liable for outcomes resulting from your use of the Website
  • Understand that tax and financial situations are unique and require personalized advice

10. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting to this page. Your continued use of the Website after changes are posted constitutes acceptance of the modified terms.

11. Content Changes

We reserve the right to modify, update, or remove any content, tools, or features on this Website at any time without notice. We do not guarantee that any specific content or functionality will remain available.

12. South African Law

These Terms & Conditions are governed by the laws of South Africa. Any disputes arising from the use of this Website shall be subject to the exclusive jurisdiction of the courts of South Africa.

13. Contact Information

If you have any questions about these Terms & Conditions, please contact us through our Contact page.

Important Reminder

This Website provides general information only. For advice specific to your financial, tax, or legal situation, please consult with qualified professionals such as certified accountants, tax advisors, or legal counsel.