Terms & conditions.

1. Who we are

Magu Business Consultants (Pty) Ltd ("Magu", "we", "us"), registration number 2023/889153/07, is a company registered in South Africa. These terms are an agreement between Magu and anyone who uses this site or the Magu platform, buys from us, or creates an account ("you"). By doing any of those things, you agree to these terms. If you don't agree, please don't use the site or the platform.

2. What we provide

• The Magu platform: a workspace where a business keeps its tasks, clients, invoices and quotes, payslips and payroll estimates, documents and files, schedule, stock take, monthly costs, team and inbox, with an AI business coach. What you can use depends on your plan.
• Business finder: a directory where a business can list what it offers, and search for other businesses on Magu (see section 6).
• Domains: domain search and registration, as a reseller (see section 7).
• Guides: written guides you can buy (see section 8).
• Services by arrangement: website design, professional email and domain setup, and related consulting, when we agree to them in writing. We don't offer company or business registration.

For services by arrangement, prices are professional fees in Rand, excluding VAT and third-party costs such as domain fees and hosting. We confirm scope, deliverables and timing in writing (email is enough) before work starts, and the price confirmed in writing is the price that applies. You agree to give us accurate information. We aren't responsible for delays caused by information that was late or wrong.

3. Accounts, workspaces and who is responsible

An account needs a valid email address and password. Keep your login details confidential; you are responsible for what happens under your account. Tell us straight away if you suspect someone else has used it.

• The owner. The person who creates a workspace is its owner. The owner is responsible for the workspace, for choosing who is added to it and what each person's role lets them see and do, and for making sure the business has the right to put its information, and its people's information, into the platform.
• Employees and other people. The owner or an admin can invite people by email, or create a login for someone with no email address. A person joins with the access their role gives them. People connect to a business with its business code and their email address or employee number. The business code is not a password. It only says which business to connect to. The owner or an admin can set it to change daily, weekly or monthly, or reset it at any time, and is responsible for sharing it only with the right people.
• Roles and departments. Roles control access. Departments are labels the business uses to organise its people and to send updates. The business is responsible for choosing them sensibly.
• Leaving. The owner or an admin can remove someone from a workspace at any time. A person can leave a workspace they have joined.
• Messages in the inbox. Owners and admins can send updates to everyone, a department or chosen people. Use the inbox for genuine business communication. Don't send spam, unlawful, abusive or misleading messages.

We may suspend or close an account or workspace we reasonably believe is being used for fraud or abuse, or in breach of these terms.

4. Plans, credits and storage

• Plans. A plan applies to one workspace and everyone in it. Plans differ in what they include and how many people, clients, invoices and files they allow. Our pricing page shows the plans, the monthly and yearly prices and what each includes. We may change the plans and prices for the future. A change doesn't affect a period you have already paid for.
• Billing. Paid plans are billed in advance, each month or each year, and renew until you cancel. Payments are made by card through Paystack.
• Cancelling. You can cancel at any time. The plan then works until the end of the period you have paid for and doesn't renew. We don't refund the part of a period you haven't used, except where the law says we must.
• Changing plan. You can move to another plan. Only the owner can change a workspace's plan or buy packages.
• If payment fails. If a renewal payment is declined or reversed, we may move the workspace to the free plan. Your information is kept, but anything above the free plan's limits may be locked until the plan is paid again.
• Coach credits. The AI coach uses credits. A plan includes some credits each month, and unused monthly credits don't carry over. Credit packs are bought once and last for the period shown on the pack.
• Storage. File storage is a monthly package with a size limit. If a workspace goes over its limit, new files may be refused until space is freed or the package is changed.

5. The AI coach

The coach gives general guidance to help you think and decide. It is not legal, tax, financial or medical advice, and it can be wrong. Check anything important with a qualified professional before you act on it. Don't put sensitive personal information into the coach that you don't need to. What you type to the coach is processed by an AI provider so it can reply (see our privacy policy).

6. Your business information

• It stays yours. Everything a business puts into its workspace, including its clients, invoices, files, payslips and employee details, belongs to that business. We only use it to run the platform for you.
• Employees' and clients' information. The business decides what it records about its people and clients and why. The business is the responsible party for that information under South African law (POPIA), and Magu processes it on the business's behalf. The business must have a lawful reason to record it, must tell its people and clients about it, and must handle requests from them.
• Email from your own address. If you connect your own email account so invoices, quotes and other messages go out from your address, you give us the email settings and password needed to send those messages and nothing else. You are responsible for that account, for who you email, and for following the law on unsolicited messages.
• Payroll and tax. The payroll and tax tools give estimates to help you plan. They don't replace your accountant, payroll provider or SARS. You are responsible for the figures you use and file.
• Business finder. A listing is off until the owner or an admin switches it on, and is shown only to other businesses on Magu. You are responsible for what you write in it, it must be true, and it must not mislead, spam or break the law. Enquiries from other businesses arrive in your inbox. We may remove a listing, or limit use of the finder, if it is misused or reported.
• Export and deletion. An owner can download the information in a workspace and delete the workspace. Deleting it permanently removes what is inside, including the information of the people in it, and can't be undone.

7. Domains

We sell domains as a reseller, through a third-party domain registrar.

• "Available" in a search is a live check. A domain isn't yours until registration completes and payment is confirmed, and availability can change before then.
• Registry rules (for example ZADNA for .co.za, or ICANN for other extensions) apply and take precedence over these terms.
• You must give accurate registrant details. Wrong details can lead to the registry suspending or cancelling the domain.
• We can decline to register a domain that is unlawful, infringes someone's rights, or breaks the registry's naming rules.
• The domain is registered in your name. We don't claim ownership of it. You manage it from your account.
• You are responsible for renewing before it expires. We may send reminders as a courtesy, but if a domain lapses and someone else registers it, we aren't liable.

8. Guides

• The first chapters of each guide are free to read. Buying a guide unlocks the rest, for as long as your account exists.
• Guides are licensed to you for your own personal or business use. You may not resell, share publicly or republish them.
• The price charged at checkout is the price that applies to your purchase.
• When you buy guides you may receive a gift code that lets another registered person read the same guides free. Gift codes have no cash value.

9. Payments and refunds

Payments are processed by Paystack. We never see or store your full card details. A payment counts as complete only when Paystack confirms it to us. If a payment is declined, reversed or disputed, we may suspend access tied to it or cancel a domain that hasn't yet been submitted to the registry.

Payments are final. Once you have paid, we don't offer refunds or cancellations for a change of mind. That applies to plans, packages, services, domains and guides alike. Registry and registrar fees are paid the moment a domain is registered, and a guide can't be taken back once it is unlocked.

This doesn't take away rights you have by law, including under the Consumer Protection Act. It also doesn't apply where:

• a domain could not be provisioned because of an error on our side,
• a guide is genuinely defective or materially not as described, or
• you were charged for a plan or package in error, or the platform did not give you what you paid for.

In those cases, contact us and we will fix it or refund you.

10. Closing your account

To close your account, email myfolder@magubusiness.co.za from the email address on the account. If you own workspaces, tell us what should happen to them. Closing an account ends access to the guides in it. It doesn't cancel a domain already registered in your name; that continues with the registry.

11. Ownership

• What we create for you (logos, websites, documents) becomes yours once you've paid in full, unless we agree otherwise in writing.
• We may show completed work in our portfolio unless you ask us not to.
• The Magu platform, the guides and our site remain Magu's property. You are buying the right to use them, not to own or copy them.

12. Using the platform properly

Don't use Magu to break the law, to harm or mislead people, to send spam, to try to get into accounts or workspaces that aren't yours, to disrupt the platform, or to copy it. We may limit or end access if you do.

13. Limits on our liability

We work in good faith and with reasonable skill, but we don't guarantee outcomes such as funding approval, business success, tax or payroll results, domain availability, or decisions by third parties (the CIPC, SARS, ZADNA/ICANN, banks, investors, Paystack or our registrar). We aim to keep the platform available, but it may sometimes be down for maintenance or because of things outside our control. To the extent the law allows, our total liability for any claim is limited to the amount you paid for the specific plan, service, domain or guide the claim relates to, and we aren't liable for indirect or consequential losses.

14. Your rights and your privacy

Nothing in these terms limits your rights under the Consumer Protection Act 68 of 2008. If these terms conflict with that Act, the Act applies. How we handle personal information is set out in our privacy policy, which forms part of these terms.

15. Partners Connect Programme

Partners Connect is Magu's referral programme. A partner is a person or business we have approved to earn a commission when people they bring to Magu buy from us. This section applies to partners, and to anyone who connects to a partner.

Joining. We add partners ourselves, and we may decline, pause or end a partnership at any time. You must be 18 or older to be a partner, and you give us your date of birth and gender when you register. Please make sure what you give us is true. Being a partner doesn't make you our employee, agent or representative, and you may not speak for Magu or make promises on our behalf.

Your PR code and your link. Each partner gets a PR code: six lowercase letters, made by our system. It identifies you in the programme and can never be changed. You also choose how your own referral link ends (3 to 20 lowercase letters). You can choose it only once, and it must not already be taken. We may refuse or remove a code or link ending that is misleading, offensive or that uses someone else's name or brand.

Connecting to a partner. A person connects to a partner by creating their account through the partner's link, or by entering the partner's PR code when they create their account or later in their account settings. Once an account is connected to a partner it stays connected to a partner. If the person wants to move to a different partner they may do so once every 90 days. If their partner's partnership ends, the connection ends with it.

Commission. A partner earns a commission on purchases made by the people connected to them. The rate starts at 30% and moves to 45% once three of the partner's connected sales are complete. We may change the rates for future sales by updating this section. A commission is only counted once the sale has passed its 21-day refund window. If a sale is refunded, reversed or disputed, the commission on it is cancelled.

What does not earn commission. We may cancel commission earned through fake, repeated or otherwise abusive purchases.

Payouts. Commission is paid in Rand by transfer to the South African bank account the partner gives us, never to a card. You can ask for a payout once your available commission reaches R100. You are responsible for giving correct bank details and for keeping them up to date. We aren't liable for a payout sent to the details you gave us.

Tax. You are responsible for any tax on the commission you earn, and for registering for tax where the law requires it.

Honest promotion. When you promote Magu, be honest about what we offer. Don't spam, mislead people, pretend to be Magu, or promise results or income we haven't promised.

What a partner can see. A partner can see the display names of the people connected to them and the commission earned on their purchases. They can't see those people's email addresses, passwords, or other personal information.

Ending a partnership. You can stop being a partner at any time by emailing us. We may suspend or end a partnership if these terms are broken. Commission already counted and past its refund window is still paid out, unless it was earned in breach of these terms.

16. Law and changes

These terms are governed by the laws of South Africa, and disputes we can't settle directly go to the South African courts. We may update these terms as the site and our services change. The date at the top shows the latest version, and continuing to use Magu after an update means you accept it.

Questions about these terms: support@magubusiness.co.za
Closing your account: myfolder@magubusiness.co.za
Account security or a request about your personal information: security@magubusiness.co.za