Terms & Conditions

Last updated: 22 August 2026

These Terms & Conditions apply to purchases and use of The SA Financial Planner's Toolkit. By purchasing or using the toolkit, you agree to these terms.

Digital product

The SA Financial Planner's Toolkit is a downloadable digital reference product. Your purchase gives you access to the files included with the edition purchased.

Licence and permitted use

Your purchase is for your own professional or personal use. You may download, store and print copies for your own use.

You may not resell, redistribute, share, reproduce for commercial distribution, upload publicly, sublicense or otherwise make the toolkit or its files available to third parties without written permission.

Professional-use disclaimer

The toolkit is an internal planning and reference aid. It does not constitute financial, investment, tax, legal or regulatory advice and does not replace professional judgement.

Users remain responsible for verifying figures, legislation, SARS notices, regulatory requirements and other relevant information before relying on the material in client work or professional decisions.

Accuracy and updates

Reasonable care is taken in preparing the toolkit, but laws, tax rules, regulatory guidance and financial-planning practices can change. We do not guarantee that every item will remain current after publication.

Refund policy

The toolkit includes a 30-day satisfaction guarantee. If you find that the toolkit is not useful to you, you may request a refund within 30 days of purchase by emailing alandeancohen@gmail.com.

Pricing and payment

Prices are shown on the sales page before purchase. Payment is processed by third-party payment providers. Access to the toolkit is provided after successful payment.

Availability

We may update, replace or discontinue parts of the website or product offering from time to time. This does not affect files you have already downloaded, subject to these terms.

Limitation of liability

To the maximum extent permitted by applicable law, The SA Financial Planner's Toolkit and its seller will not be liable for losses arising from reliance on, misuse of, or inability to access the toolkit, including decisions made using information that should have been independently verified.

Intellectual property

The toolkit, its written content, design, structure and supporting materials are protected by applicable intellectual-property laws. No ownership rights are transferred to the purchaser.

Changes to these terms

These terms may be updated from time to time. The version published on this website will apply from its stated effective date.

Contact

The SA Financial Planner's Toolkit
Cape Town, South Africa
Email: alandeancohen@gmail.com