Terms of Service

Effective date: 2026-05-02 · Version 1.0

Draft — pending legal review. This is a baseline Terms of Service covering the standard SaaS clauses (acceptable use, fees, limitation of liability, governing law). Sections marked [To be confirmed] require input from the responsible party. Final wording must be reviewed by a South African admitted attorney prior to launch.

1. About these terms

These Terms of Service (the “Terms”) form a legal agreement between Cerafin (Pty) Ltd (“Cerafin”, “we”, “us”) and the customer who creates an account on cerafin.co.za (“you”, “your”). By creating an account or using the Cerafin platform you agree to be bound by these Terms together with our Privacy Policy and POPIA Notice.

2. The service

Cerafin provides a cloud accounting and business-management platform delivered as a hosted subscription service. Features and limits depend on the plan you select. We may add, change or remove features over time, with reasonable notice for material changes.

3. Your account

You must provide accurate registration information and keep your password confidential. You are responsible for everything done through your account.
You must be at least 18 years old, or have the legal capacity to enter into contracts in your jurisdiction.
One person may not register on behalf of an organisation without authority from that organisation.
We may suspend or terminate accounts that violate these Terms or applicable law.

4. Acceptable use

You may not use the Cerafin platform to:

Process information that you do not have the legal right to process.
Upload malware, attempt to gain unauthorised access, or probe other tenants' data.
Resell or sublicense the platform without our written consent.
Send unsolicited bulk email through any integration we offer.
Engage in any activity that violates South African or other applicable law.

5. Fees, billing and trials

Subscription fees are charged in South African Rand (ZAR) unless your plan specifies otherwise.
Trial periods are free of charge and do not require payment details upfront. At the end of a trial you must select a paid plan to continue using the service.
Paid subscriptions auto-renew at the end of each billing cycle unless cancelled in advance.
Refunds are at our discretion and are generally only granted for verified billing errors.

6. Your data

You retain ownership of all data you upload (“Customer Data”). You grant Cerafin the limited right to host, process and back up your Customer Data solely to provide the service. We will not access your Customer Data except as required for support, security, billing or to comply with the law. See our Privacy Policy and POPIA Notice for detail.

On termination of your account, you may export your data within 30 days. Thereafter we may delete it in line with our retention schedule and any legal hold obligations.

7. Availability and support

We aim for high availability but do not guarantee that the service will be uninterrupted or error-free. Scheduled maintenance will normally be communicated in advance. Emergency maintenance may be performed without notice. Support is provided through the channels listed on our website during our published business hours.

8. Third-party services

The platform integrates with optional third-party services (e.g. bank feeds, payment gateways, error monitoring). Those services are governed by their own terms; we are not responsible for their content or practices, and you are responsible for any fees they may charge.

9. Intellectual property

Cerafin and its licensors own all rights in the platform software, design and trademarks. You receive a non-exclusive, non-transferable right to use the service for the duration of your subscription. You receive no source-code rights and may not reverse-engineer the platform.

10. Limitation of liability

To the fullest extent permitted by law, Cerafin's total aggregate liability arising out of or relating to these Terms or the service is limited to the amount you have paid us in subscription fees in the 12 months immediately preceding the event giving rise to the claim. We are not liable for indirect, incidental, consequential or punitive damages, loss of profit, loss of revenue, loss of goodwill or loss of data, however caused. Nothing in these Terms limits liability that cannot lawfully be limited (including for fraud or for death or personal injury caused by negligence).

11. Indemnity

You agree to indemnify and hold Cerafin harmless against any claim brought by a third party arising out of (a) your breach of these Terms, (b) your Customer Data, or (c) your unlawful use of the platform.

12. Termination

Either party may terminate the agreement on notice. We may suspend or terminate your account immediately for material breach, non-payment, or to comply with the law. Sections that by their nature should survive termination (intellectual property, limitation of liability, governing law) survive.

13. Governing law and jurisdiction

These Terms are governed by the laws of the Republic of South Africa. Each party submits to the non-exclusive jurisdiction of the High Court of South Africa, Gauteng Division, in respect of any dispute arising out of or in connection with these Terms. Nothing in this clause prevents either party from seeking urgent or interim relief in any court of competent jurisdiction.

14. Changes to these terms

We may update these Terms from time to time. Material changes will be notified to registered users by email or in-app notice at least 14 days before they take effect. Continued use of the platform after the effective date constitutes acceptance of the updated Terms.

15. Contact

Questions about these Terms can be sent to legal@cerafin.co.za.