Terms & conditions.

Last updated: 10 August 2026. This document is the site's structural legal foundation — written to actually cover what the site does (paid services, digital downloads, accounts, and live payment processing). It is not a substitute for review by a South African attorney, and we recommend getting that review before treating it as final, particularly around consumer protection, tax, and data-protection specifics for your business. It is not legal advice to you as the reader.

1. Who we are. Magu Business Consultants (Pty) Ltd ("Magu", "we", "us"), registration number 2023/889153/07, a company registered with the CIPC in the Republic of South Africa. These terms are an agreement between Magu and anyone who uses this site, buys a service, downloads a digital product, or creates an account ("you").

2. Acceptance. By using this site, purchasing a service, buying a digital download, or creating a folder (account), you agree to these terms. If you don't agree, please don't use the site or its services.

3. Consulting services. Magu provides business registration, professional email/domain setup, brand identity, website design, and related consulting services as described on estolo.html. Listed prices (including Standard/Premium tiers and any packages) are professional service fees in South African Rand, exclusive of VAT and third-party costs such as CIPC filing fees, domain registration, and hosting. Exact scope, deliverables, and timelines for a given engagement are confirmed in writing (email is sufficient) before work begins. Prices may change at any time; the price confirmed in writing for your engagement is the one that applies to you.

4. Digital downloads. eBooks, templates, and other digital products sold via estolo.html are licensed to you for personal, non-transferable, non-commercial use, unless a listing says otherwise. You may not resell, redistribute, or publicly share the files. Once a file has been delivered — meaning a download link has been issued to you, whether or not you've clicked it — the sale is final, except where South African consumer law requires otherwise (for example, if the file is genuinely defective or materially not as described). This reflects the nature of digital goods: once delivered, they can't meaningfully be "returned."

5. Payment processing. Payments are processed by Paystack, a third-party payment processor. Magu never sees or stores your full card details — that information is handled entirely by Paystack under its own security standards. All prices are in South African Rand (ZAR). A transaction is only treated as complete once Paystack confirms it to us; if a payment is declined, reversed, or disputed, any digital access or download link tied to it may be suspended.

6. Accounts ("get folder"). Creating a folder requires a valid email address and password. You're responsible for keeping your login details confidential and for anything that happens under your account. Tell us immediately if you suspect unauthorised access. We may suspend or close an account we reasonably believe is being used fraudulently, abusively, or in breach of these terms.

7. Refunds & cancellations. For consulting services: if you cancel before we've started work, you're entitled to a full refund of any deposit paid; once work has genuinely begun, fees for work already completed are non-refundable, and we'll discuss the remainder in good faith. For digital downloads: see clause 4 — sales are final once a file is delivered, except where the file is defective or not as described, in which case contact us for a replacement or refund.

8. Your responsibilities. You agree to give us accurate information needed to deliver a service (registration details, brand assets, content, payment/contact details) or to complete a purchase. Delays or inaccuracies on your side may delay delivery, and we're not liable for delays caused by information you didn't provide or provided incorrectly.

9. Intellectual property. Deliverables we create for you (logos, websites, documents) become your property once paid in full, unless we've agreed otherwise in writing. Magu retains the right to display completed work in its own portfolio and marketing unless you ask us not to. Digital products sold via estolo.html remain Magu's intellectual property — you're buying a licence to use them, not ownership of the content itself.

10. Liability. Magu provides services and guidance in good faith and with reasonable skill, but we don't guarantee specific outcomes — funding approval, business success, or decisions made by third parties (CIPC, banks, investors, Paystack) are outside our control. To the extent permitted by law, Magu's total liability to you for any claim arising from these terms or our services is limited to the amount you actually paid us for the specific service or product giving rise to the claim. We're not liable for indirect or consequential loss (like lost profits or lost opportunities).

11. Privacy & your information. We collect what's needed to do business with you: name, email, phone number (optional), order and payment history, and account details if you create a folder. This is processed in line with the Protection of Personal Information Act (POPIA). We use it to deliver services and downloads, manage your account, respond to enquiries, and meet legal/accounting obligations — never to sell to third parties. Your data is stored with Supabase (our database and authentication provider) and processed by Paystack for payments; both are bound by their own security and processing terms. You can ask us to access, correct, or delete your personal information at any time by emailing us — we'll respond within a reasonable time, subject to what we're legally required to retain (e.g. financial records). This site is not directed at children under 18, and we don't knowingly collect their information.

12. Consumer rights. Nothing in these terms limits your rights under the Consumer Protection Act 68 of 2008. Where these terms conflict with a right you have under that Act, the Act takes precedence.

13. Termination. We may suspend or stop providing services to you, or close your account, if we reasonably believe these terms have been breached, or in cases of suspected fraud or abuse. You may stop using the site or close your account at any time by contacting us.

14. Governing law. These terms are governed by the laws of the Republic of South Africa. Any dispute that can't be resolved directly between us will be subject to the jurisdiction of the South African courts.

15. Changes to these terms. We may update these terms from time to time, for example as the site or services change. The "last updated" date at the top will reflect the latest version. Continued use of the site or our services after an update means you accept the revised terms.

Questions about these terms — support@magubusiness.co.za. Account security concerns, or a request about your personal information — security@magubusiness.co.za.