Effective Date: 29 April 2025
Welcome to Financial Compass! This document outlines the terms governing your use of our website and explains how we handle your privacy. By accessing or using Financial Compass, you agree to comply with these terms.
Financial Compass provides free-to-use financial calculators and information relevant to South African finances (the "Services"). Our tools are designed to assist you with estimations and planning based on available public data and regulations.
By using Financial Compass, you agree to be bound by these Terms of Service. If you do not agree, please do not use the website.
The calculators and information provided are for informational and estimation purposes only. They are not intended as, and should not be considered, financial, tax, or legal advice. Always consult with a qualified professional for advice tailored to your specific situation.
While we strive to provide accurate and up-to-date information based on the latest available data (like SARS tax brackets for 2025/2026 as mentioned on your site), we cannot guarantee the absolute accuracy or completeness of all information and calculations. Financial regulations and personal circumstances vary.
The Services are provided "as is" without any warranties, express or implied. We do not warrant that the website will be available uninterrupted or error-free.
Financial Compass and its operators will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the Services.
All content on Financial Compass, including text, graphics, logos, icons, and software, is our property or the property of our licensors and is protected by South African and international copyright laws.
The website may contain links to external websites. We are not responsible for the content or privacy practices of these sites.
We may update these Terms of Service from time to time. Your continued use of the website after changes are posted constitutes your acceptance of the new terms.
We understand the sensitivity of financial information. Crucially, Financial Compass calculators perform calculations directly in your browser. This means that the personal financial data you input into the calculators (like income, expenses, loan amounts) is processed locally and is not stored or transmitted to our servers.
We may collect non-personal information such as browser type, operating system, and website usage data through standard analytics tools to understand how our site is used and improve it. This information is aggregated and does not identify you personally.
We may use cookies to enhance your user experience, such as remembering preferences. You can adjust your browser settings to refuse cookies, but this may affect the functionality of the website.
While we do not store your personal financial input data from calculators, we take reasonable measures to protect the website and any limited non-personal data collected from unauthorized access or disclosure. However, no internet transmission is entirely secure.
We do not sell, trade, or rent your personal information (as we do not collect it from the calculators). Any non-personal, aggregated data collected may be used for analytical purposes.
By using our website, you consent to this Privacy Policy.
We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on the website.
These Terms of Service and Privacy Policy are governed by and construed in accordance with the laws of South Africa.
If you have any questions about these Terms of Service or Privacy Policy, please contact us at wellefp@gmail.com.