Terms of Use

Last updated: 23 October 2026

1. Who we are

This website (www.blackleaf.co.za) is operated by BlackLeaf Group Holdings (Pty) Ltd, registration number 2025/879490/07 ("BlackLeaf", "we", "us").

Registered office	The Loft, 439 Diagonal Street, Pringle Bay, 7196, South Africa
Telephone	+27 82 843 5788
Email	[email protected]
Directors	Niel (Daniel) du Toit and Talita Clarke
Shop seller	BlackLeaf Wealth (Pty) Ltd, registration number 2024/680466/07 (VAT number shown on our tax invoices)

The BlackLeaf group also includes BlackLeaf Advisory Group (Pty) Ltd, BlackLeaf Fiduciary Management (Pty) Ltd and BlackLeaf Capital (Pty) Ltd. Each is a separate company. This website does not create a relationship with any of them until you sign an agreement with that company.

2. Accepting these terms

2.1 By using this website you agree to these terms. If you do not agree, please stop using the website.

2.2 Buying from the shop is also governed by our Shop Terms and Conditions of Purchase and our Refund Policy. Using the BlackLeaf BeSpoke App is governed by the BeSpoke App Terms of Use. If those documents conflict with these terms on a purchase or on the portal, they apply first.

2.3 If you are under 18, you must have a parent or guardian's consent to use this website.

3. Information only

3.1 The content on this website is general information about our services. It is not financial, investment, legal, tax or accounting advice, and it is not an offer to sell or a recommendation of any specific financial product.

3.2 Our services are provided only under a written agreement or an accepted order. Nothing on this website promises a result, a return, a funding outcome or a transaction.

3.3 Please get independent professional advice before you act on any information here.

4. Using the website

You agree not to:

• use the website unlawfully or to commit fraud;
• try to gain unauthorised access to the website, our systems or another person's account;
• introduce malware, scrape the website in bulk or overload it;
• impersonate any person or give false information in a form or order;
• use the website to send unsolicited marketing.

We may suspend or block access if you break this section.

5. Intellectual property

5.1 The BlackLeaf name, logos, design, text and other content on this website belong to us or our licensors and are protected by law.

5.2 You may view the website and print or save pages for your own use. You may not copy, adapt, sell or republish content without our written consent.

5.3 If you send us a message or document, you keep your ownership of it. You allow us to use it only to respond to you and to provide the service you asked for.

6. Links and third-party services

6.1 The website may link to other websites. We do not control them and are not responsible for their content or privacy practices.

6.2 Online payments in the shop, where offered, are processed by PayFast on PayFast's own secure page. We do not see or store your full card number.

7. Shop purchases

7.1 Prices in the shop are shown in rand and include VAT. Authority fees, where they apply, are shown separately at cost.

7.2 Under section 44 of the Electronic Communications and Transactions Act 25 of 2002 (ECTA), a consumer who is a natural person may cancel a qualifying order within seven days and receive a refund within 30 days. Some services are excluded under section 42(2) of ECTA. The details are in the Shop Terms and the Refund Policy.

7.3 Before you pay you will see a summary of your order and can correct mistakes or cancel.

8. Client portal

The client portal is for existing clients. You need a login from us. Do not share your login.

9. Privacy and cookies

We handle personal information as set out in our Privacy Policy and Collection Notice. Our Cookie Notice explains cookies.

10. Availability and security

We try to keep the website available and secure but we do not guarantee it will be uninterrupted or error-free. We may change or remove content or the website at any time.

11. Disclaimer and liability

11.1 The website is provided "as is". To the extent the law allows, we do not give warranties about its accuracy, completeness or fitness for a purpose.

11.2 To the extent the law allows, we are not liable for indirect or consequential loss, or for loss from relying on the website's general information.

11.3 Nothing in these terms limits our liability for gross negligence, intentional harm, or anything that cannot lawfully be excluded, including under section 51 of the Consumer Protection Act 68 of 2008 and section 48 of ECTA.

12. Electronic communication

You agree that we may communicate with you and keep records electronically. Data messages are valid under ECTA.

13. Complaints

Please see our Complaints Procedure. Write to [email protected]. You also keep your right to approach the Information Regulator, the National Consumer Commission or a court.

14. Changes

We may update these terms. The version on this website, with its date, applies from the date it is posted. If you keep using the website after a change, you accept it.

15. Governing law

South African law governs these terms. Subject to any right you have as a consumer, the courts of the Western Cape have jurisdiction.

16. Contact

[email protected] · +27 82 843 5788 · The Loft, 439 Diagonal Street, Pringle Bay, 7196