Terms and refunds

Who you're dealing with

OneFile Money is run by Advisor-Link Digital (Pty) Ltd (registration number 2026/877844/07), 19 Woodfern Drive, Fernbrook Estate, Inchanga Road, Craigavon, Johannesburg, 2191. Email privacy@onefilemoney.co.za or WhatsApp us. A real person replies the same working day (Monday to Friday, 8am to 5pm).

What OneFile Money does, and doesn't

• It keeps your records: payments, slips, and the tax pack you take to SARS or your tax practitioner.
• Its sorting, tax estimates and suggestions are a guide, not tax or financial advice. You decide what goes on your return, and you are responsible for it being true. Please have your return checked by a registered tax practitioner before you file.
• We are not a registered tax practitioner and we don't file returns for you. When you ask, we pass you to a partner who is (see Privacy).
• A payment record we make is not a tax invoice. Only the shop's own slip or tax invoice counts for SARS.

Your account

• You need to be 18 or older, or have a parent or guardian's OK.
• Keep your password to yourself. Tell us straight away if you think someone else has used your account.
• Your records stay yours. We use them only to run OneFile Money for you, as our privacy notice explains.
• You can delete your account any time in Account. We may close an account that is used for fraud or to harm others, and we'll tell you first unless the law stops us.

Free months and paying

• Every new account starts with free months. We tell you in the app when they're ending, and nothing is charged until you choose a plan.
• Prices are on Plans and include VAT where it applies. Payments go through Paystack; we never see or keep your card number.
• A monthly plan is charged by debit order on the same day each month until you cancel. A tax pack is paid once, for one tax year.
• If we change a price, we tell you at least 30 days before it applies to you, and you can cancel before then.
• If a debit order fails, Paystack tries again. Your records stay safe; only the paid features pause until it's paid.

Cancelling

Cancel any time in the app under Plan (Change card or cancel), or ask us on WhatsApp or by email. The debit order stops straight away and you keep what you've paid for until the end of that month. Your records stay in your account until you delete it.

Refunds

• Changed your mind: ask within 7 days of paying and we refund that payment in full, no questions asked. This is your cooling-off right under the ECTA.
• Our mistake: charged twice, charged after you cancelled, or charged the wrong amount? We refund it in full, whenever you notice.
• Something didn't work: if a fault on our side stopped you using what you paid for and we couldn't fix it, we refund it or add free months, whichever you prefer.
• After 7 days, we don't refund part of a month or a tax pack you've already used. Refunding a tax pack takes that year's pack away.
• Ask on WhatsApp or by email. Refunds go back to the card you paid with, usually in 5 to 10 working days, and Paystack emails you when it's sent.

Partners

When you ask us to put you in touch with a partner (a tax practitioner, bookkeeper or financial adviser), the partner is responsible for their own advice and fees, under their own terms.

If something goes wrong

• We work hard to keep OneFile Money running and your records safe, but we can't promise it will never be down or never make a mistake. Keep the slips and statements you're legally required to keep.
• As far as the law allows, we aren't responsible for SARS assessments, penalties or interest that come from what you file, or for losses we couldn't reasonably foresee. Otherwise, what we owe you is limited to what you paid us in the 12 months before.
• Nothing here takes away your rights under the Consumer Protection Act or any other law that protects you.

Changes and the law

If we change these terms, we tell you in the app or by email before the change applies. South African law applies. If you have a complaint, tell us first and we'll try to sort it out; you can also go to the Consumer Goods and Services Ombud.