Terms of service
Last updated: April 30, 2026
These Terms of Service (“Terms”) govern your use of the Money Secrets SA website, store, products, and related services (collectively, the “Services”). By visiting our website, purchasing from our store, or using any of our Services, you agree to be bound by these Terms.
If you do not agree to these Terms, you should not use our Services.
1. About Us
Money Secrets SA operates this website and store to provide educational products and related services.
Contact details:
Email: 21rssolutions@gmail.com
Address: 685 Keet Avenue, Pretoria, 0084, South Africa
2. Eligibility
By using our Services, you confirm that you are at least the age of majority in your jurisdiction, or that you have the legal authority to enter into these Terms.
3. Our Products and Services
Money Secrets SA provides educational content and digital products, including guides, downloads, courses, and related informational materials.
All content and products are provided for educational purposes only. Nothing on this website, in our products, or in our communications constitutes legal, tax, financial, investment, accounting, or other professional advice.
You are solely responsible for obtaining advice from a suitably qualified professional before acting on any information provided through our Services.
4. No Professional Relationship
Your use of our Services or purchase of our products does not create any attorney-client, financial adviser-client, tax practitioner-client, fiduciary, or similar professional relationship between you and Money Secrets SA.
5. Accuracy of Information
We aim to provide useful, accurate, and up-to-date information. However, we do not guarantee that all content is complete, accurate, current, or suitable for your circumstances.
Any reliance you place on our content or products is at your own risk.
6. Orders and Payments
When you place an order through our store, you agree to provide current, complete, and accurate purchase and account information.
We reserve the right to refuse, cancel, or limit any order at our discretion, including where we suspect fraud, abuse, unauthorized resale, or pricing or listing errors.
Payments are processed through third-party providers, including Shopify and associated payment tools. By making a purchase, you also agree to the terms and policies of those payment providers where applicable. Shopify supports store policy pages through its admin settings.
7. Digital Products and Access
Where products are delivered digitally, access may be granted immediately or shortly after payment confirmation.
Because digital products can be accessed, downloaded, copied, or consumed quickly, all sales are generally treated as final, subject to applicable law and any platform rules.
8. Refunds and Cancellations
Please refer to our Refund Policy for full details.
Unless otherwise stated, digital products sold by Money Secrets SA are generally non-refundable once access has been granted or delivery has occurred, except where required by applicable law or where a platform or payment provider applies its own rules.
If a transaction falls within any legally required cancellation or cooling-off rights, those rights will apply to the extent required by law. South Africa’s Consumer Protection Act provides a cooling-off period in certain direct marketing transactions.
9. Intellectual Property
All content on this website and in our products, including text, guides, downloads, branding, graphics, logos, images, course materials, and other materials, is owned by or licensed to Money Secrets SA and is protected by applicable intellectual property laws.
You may not reproduce, copy, distribute, sell, sublicense, modify, republish, upload, or exploit any part of our content or products without our prior written permission.
10. Personal Use Only
Unless expressly stated otherwise in writing, all products are sold for your individual personal use only.
You may not:
- share login or access details
- redistribute or resell products
- upload materials to third-party platforms
- use our materials commercially without permission
- present our materials as your own
11. Prohibited Use
You may not use our Services:
- for unlawful purposes
- to infringe intellectual property rights
- to transmit harmful code or malicious content
- to interfere with the security or operation of the website
- to collect or misuse personal information unlawfully
- to engage in fraud, impersonation, or misleading activity
We reserve the right to suspend or terminate access where we believe prohibited use has occurred.
12. Third-Party Tools and Links
Our Services may include access to or links to third-party tools, platforms, or websites, including Shopify-hosted functions and external links.
We are not responsible for the content, terms, privacy practices, or operation of third-party websites or services. Your use of third-party services is at your own risk and subject to their own terms.
13. Limitation of Liability
To the fullest extent permitted by law, Money Secrets SA will not be liable for any indirect, incidental, consequential, special, punitive, or economic loss arising from:
- your use of or inability to use the Services
- your reliance on any content or product
- unauthorized access to or alteration of your data
- delays, interruptions, or errors in website operation
- any decisions you make based on the educational material provided
Where liability cannot be excluded by law, it will be limited to the minimum extent permitted by law.
14. Indemnity
You agree to indemnify and hold harmless Money Secrets SA, its owners, affiliates, service providers, and representatives from any claim, liability, loss, damage, or expense arising out of your breach of these Terms, misuse of the Services, or violation of any law or third-party rights.
15. Privacy
Your use of our Services is also subject to our Privacy Policy, which explains how we collect, use, and disclose personal information.
16. Changes to the Services or Terms
We may update, change, suspend, or discontinue any part of the Services at any time.
We may also update these Terms from time to time. The updated version will be posted on this page with a revised “Last updated” date. Continued use of the Services after changes are posted will constitute your acceptance of those changes.
17. Governing Law
These Terms are governed by the laws of the Republic of South Africa.
Any dispute arising in connection with these Terms or the Services will be subject to the applicable laws and legal processes of South Africa, subject to any mandatory consumer rights that may apply.
18. Contact Us
If you have any questions about these Terms, please contact us at:
Money Secrets SA
Email: 21rssolutions@gmail.com
Address: 685 Keet Avenue, Pretoria, 0084, South Africa