These Terms of Service ("Terms") govern your use of Illumi (the "Service"). By accessing or using the Service, you agree to these Terms. These Terms are intended to be interpreted under South African law, including principles in the Electronic Communications and Transactions Act (ECTA) and, where applicable, the Consumer Protection Act (CPA).

1. Accounts

You are responsible for maintaining the confidentiality of your login details and for all activity under your account.

2. The Service

Illumi provides tools for invoicing, expense tracking, and client-facing invoice payment links/portals. Payment processing is performed by the payment provider you connect via PayGate.

3. Subscription plans and billing

All new accounts receive a complimentary 2-month Pro trial at no cost and with no credit card required.
After the trial period, paid plans are billed on a month-to-month basis unless otherwise stated.
You can cancel at any time. Cancellation stops future renewals.
Fees are payable in South African Rand (ZAR) unless otherwise stated.

4. No refunds

To the maximum extent permitted by applicable law, subscription fees are non-refundable. We do not provide refunds for partial months, unused time, or downgrades.

If any mandatory consumer rights apply to you under South African law, those rights are not excluded.

5. Acceptable use

You agree not to misuse the Service, including:

Uploading unlawful content or infringing third-party rights.
Attempting to gain unauthorized access to systems or accounts.
Using the Service to send spam or abusive communications.

6. Your data

You retain ownership of your data. You grant Illumi permission to process your data to provide the Service. For more details, see our Privacy Policy.

7. Availability and changes

We aim to keep the Service available, but do not guarantee uninterrupted operation. We may modify or discontinue features from time to time.

8. Disclaimers and limitation of liability

The Service is provided on an “as is” basis. To the maximum extent permitted by law, Illumi disclaims all warranties. Illumi will not be liable for indirect or consequential losses.

9. Governing law

These Terms are governed by the laws of South Africa. Any disputes will be handled in the appropriate South African forum.

10. Contact

For questions about these Terms, contact info@illumi.co.za.

This document is provided as a general template and should be reviewed by a qualified professional for your specific business.