1. Introduction

These Terms and Conditions (the "Agreement") govern all services, programmes, products, and engagements provided by Magu Business Consultants (Pty) Ltd ("the Company", "we", "us", or "our").

By purchasing any service, submitting any form, participating in any programme, or engaging with the Company in any capacity, you ("the Client", "User", or "Participant") confirm that:

• You have read, understood, and accepted these Terms;
• You agree to be legally bound by this Agreement;
• You are acting either in your personal capacity or on behalf of a registered business and its directors.

2. Company Overview

Magu Business Consultants (Pty) Ltd is a registered South African private company providing business registration and compliance services, branding and digital identity development, strategic consulting and documentation, e-commerce setup and digital systems, coaching and masterclasses, and business funding facilitation programmes. All services are delivered on a professional, structured, and best-effort basis.

3. Scope of Services

3.1 Service Phases

The Company provides services across three structured phases: Establish (registration, branding, digital identity), Build (strategy, business plans, consulting), and Grow (e-commerce, coaching, masterclasses).

3.2 Delivery Basis

Services are delivered according to the selected package or pricing tier, agreed deliverables, and information provided by the Client.

3.3 Company Rights

The Company reserves the right to modify service structures, improve service delivery models, and refuse service where necessary.

4. Client Responsibilities

The Client agrees to provide accurate, complete, and truthful information, submit all required documentation on time, cooperate throughout the service process, and act in good faith in all engagements.

5. Payments and Fees

All fees are quoted in South African Rand (ZAR). Payments must be made in full unless otherwise agreed in writing. No work will commence until payment is confirmed. All fees exclude third-party costs (e.g., CIPC, domains, subscriptions) and are non-refundable unless explicitly stated otherwise. The Client is responsible for transaction fees, bank charges, and currency conversion costs.

6. No Refund Policy

All payments made to the Company are final. No refunds, reversals, or cancellations will be permitted once work has commenced or a service has been delivered or initiated. Exceptions may only be made at the sole discretion of the Company.

7. Delivery and Timelines

Delivery timelines are estimates and not guarantees. Delays may occur due to client delays, third-party systems (e.g., CIPC, SARS, Shopify), or operational factors beyond the Company's control. The Company shall not be liable for delays beyond its reasonable control.

8. Business Funding Programmes

The Company may facilitate or participate in funding initiatives (including the BSRSA Project). By applying for funding, you acknowledge that funding is not guaranteed, selection is based on internal criteria, and funding may be financial or non-financial. Funds will only be paid into a registered business bank account. The Company reserves the right to approve or reject applications, structure funding as needed, and adjust funding models.

9. Programmes, Campaigns, and Initiatives

The Company may operate programmes including the Business Starters Project, referral and cashback programmes, and masterclasses. Each programme may have separate Terms & Conditions. In the event of a conflict, programme-specific terms will apply.

10. No Guarantees

The Company does not guarantee business success, funding approval, revenue generation, profitability, or any specific client outcome. All services are tools, guidance, and structured support — results depend on the Client.

11. Intellectual Property

All materials created by the Company remain its intellectual property unless otherwise agreed in writing. The Client receives a usage licence for delivered work and may not resell, redistribute, or reproduce for commercial gain without permission.

12. Confidentiality

Both parties agree to maintain confidentiality of business information, strategies, and financial data. Confidential information may only be disclosed with consent or where required by law.

13. Privacy

The Company collects personal and business data for service delivery, communication, payment processing, and programme participation. The Company will not sell or share personal data with unrelated third parties. Data may be shared with regulatory bodies, payment processors, or legal authorities where required.

14. Prohibited Conduct

Clients may not provide false information, misrepresent the Company, engage in fraud or abuse of systems, or interfere with operations. Violation may result in immediate termination, forfeiture of benefits, and legal action.

15. Limitation of Liability

The Company operates on a best-effort basis. To the maximum extent permitted by law, the Company shall not be liable for indirect or consequential losses, loss of income or opportunity, or business failure. Total liability is limited to the amount paid for the service in question.

16. Tax and Legal Compliance

The Client is solely responsible for tax compliance, legal obligations, and regulatory filings. The Company does not act as a legal or tax authority unless explicitly contracted in writing.

17. Third-Party Services

The Company may use third-party platforms including CIPC, SARS, Shopify, and domain providers. The Company is not responsible for third-party downtime, policy changes, or external service failures.

18. Termination

The Company reserves the right to terminate services if these Terms are violated, misconduct occurs, or cooperation fails. Upon termination, no refunds will be issued and work completed remains billable.

19. Amendments

These Terms may be updated at any time. Continued use of services constitutes acceptance of updated Terms.

20. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Republic of South Africa. Disputes shall first be resolved through good-faith negotiation. If unresolved, disputes will be referred to arbitration under AFSA (Arbitration Foundation of Southern Africa) in Johannesburg or Durban.

21. General Provisions

If any clause is invalid, the rest remain enforceable. This document constitutes the full agreement. Failure to enforce any clause does not waive rights.