Effective date: 6 September 2026 · Last updated: 6 September 2026
These Terms of Service (“Terms”) govern your access to and use of FinImali, a software-as-a-service application that helps South African small and medium businesses manage invoices, expenses, reports, compliance reminders and related financial organisation.
By creating an account, starting a free trial, or otherwise accessing or using FinImali, you agree to be bound by these Terms. If you use FinImali on behalf of a business or other entity, you confirm that you are authorised to accept these Terms on that entity’s behalf, and references to “you” include that entity.
If you do not agree to these Terms, please do not use FinImali.
FinImali is operated by Enhle-Miya (Pty) Ltd, a private company incorporated in South Africa (“we”, “us”, “our”).
You can contact us at info@finimali.co.za. Additional company particulars, where required by law, are available on request or will be published on our website once confirmed.
You must be at least 18 years old and able to enter into a legally binding agreement under South African law to use FinImali. FinImali is intended for business use; it is not a consumer budgeting app.
When registering, you agree to provide accurate and complete information and to keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
You must notify us promptly at info@finimali.co.za if you become aware of any unauthorised use of your account. We may suspend or refuse access where we reasonably believe account security has been compromised.
FinImali is offered as a paid monthly subscription. Current plans and prices are displayed on our website and in the app (currently starting from R119 per month, including VAT where applicable). We may change plan features or pricing for future billing periods, with reasonable advance notice before the change applies to you.
New accounts may start with a 14-day free trial. At the start of a subscription you authorise payment through our payment processor, PayFast, but your first charge is deferred until the trial ends. You may cancel at any time before the trial ends without being charged.
Paid subscriptions are billed monthly in advance via PayFast. By subscribing you authorise us and PayFast to debit the applicable subscription fee on each billing date until you cancel.
You are responsible for keeping your payment details current. If a payment fails, your account may be marked as past due and access to paid features may be restricted until payment is successfully processed.
You may cancel your subscription at any time through the Billing page in the app. Cancellation takes effect at the end of your current paid billing period; you retain access to paid features until then, and no further charges will be made after cancellation.
Because subscription fees are billed in advance for a monthly period, fees already paid are generally not refunded for the unused remainder of a billing period, except where required by law.
Nothing in these Terms limits, excludes or overrides any right you may have under the Consumer Protection Act 68 of 2008 (where it applies), including the right to cancel under section 14 on twenty business days’ notice, or any other right that cannot lawfully be excluded. To the extent of any conflict between these Terms and your non-excludable statutory rights, your statutory rights prevail.
You agree to use FinImali only for lawful purposes and in accordance with these Terms. In particular, you must not:
• use FinImali to break any law, or to process fraudulent, misleading or unlawful invoices, expenses or records;
• attempt to gain unauthorised access to the service, other accounts, or our systems and infrastructure;
• interfere with or disrupt the service, including by introducing malware, scraping, or reverse-engineering except as permitted by law;
• share, resell or sublicence access to your account without our written consent;
• use the service to infringe the intellectual property, privacy or other rights of any person.
We may investigate suspected breaches and suspend or terminate access where we reasonably believe this section has been violated.
You retain ownership of all data and content you enter into FinImali, including invoices, expenses, client details, receipts and business information (“your content”). You grant us a limited licence to host, store, process and display your content solely as needed to provide and improve the service to you.
You are solely responsible for the accuracy, completeness and lawfulness of your content, and for ensuring that records you generate in FinImali (such as tax invoices) meet the requirements applicable to your business, including SARS requirements.
You are responsible for keeping your own backups of important records. While we take reasonable care to protect your data, we recommend exporting your data regularly.
FinImali is a software and organisational tool only. We are not a bank, financial services provider, financial adviser, credit provider, accountant, tax practitioner or legal adviser, and nothing in FinImali constitutes financial, investment, tax, accounting or legal advice.
The Financial Health Score and Credit Readiness Score are internal indicators calculated from the data you enter. They are provided for information and self-assessment only: they are not credit-bureau scores, credit reports or assessments under the National Credit Act 34 of 2005, they are not shared with credit bureaus or lenders by us, and they do not guarantee that any lender, funder or supplier will approve finance, credit or any other outcome.
Decisions about your business finances remain yours. Please consult a suitably qualified professional — such as a registered accountant, tax practitioner or attorney — before acting on financial, tax or legal matters.
FinImali’s compliance centre, VAT summaries, deadline reminders and similar features are informational and organisational aids. Unless we expressly state otherwise in writing, FinImali does not calculate, prepare, submit or file any return, declaration or document with SARS, CIPC or any other authority on your behalf.
Filing obligations, deadlines and amounts due remain your responsibility. Always verify dates and figures against official SARS and CIPC communications before relying on them.
Where your plan includes the AI Finance Assistant, its answers are generated automatically from the data in your account and general rules of thumb. AI-generated output can be incomplete, out of date or wrong, and it does not constitute professional advice of any kind.
You are responsible for reviewing and verifying any output before relying on it, and for confirming important figures against your own records or with a professional adviser.
FinImali, including its software, design, branding, text and underlying technology, is owned by or licensed to Enhle-Miya (Pty) Ltd and is protected by South African and international intellectual property laws. These Terms do not transfer any ownership of our intellectual property to you.
We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use FinImali for its intended purpose while your account is in good standing. You may not copy, modify, distribute, sell or lease any part of the service except as permitted by law.
FinImali relies on third-party providers to operate, including PayFast for payment processing and third-party hosting, database and infrastructure providers. Your use of those services may be subject to their own terms and privacy policies.
We are not responsible for the acts, omissions, availability or failures of third-party services, but we take reasonable care in selecting reputable providers.
We aim to keep FinImali available and reliable, but the service is provided “as is” and “as available”. We do not warrant uninterrupted, error-free or secure operation at all times.
We may perform scheduled or emergency maintenance, and we may add, change or remove features over time. Where a change would materially reduce the functionality of a paid plan, we will give reasonable advance notice.
We may suspend or terminate your access immediately if you breach these Terms, if your payment fails and remains unpaid, or where we are required to do so by law. Where reasonably possible we will give you notice and an opportunity to remedy the breach.
You may stop using FinImali and cancel your subscription at any time as described in section 5. On termination, your right to use the service ends. We may retain your data for a limited period as described in our Privacy Policy, after which it may be deleted.
To the maximum extent permitted by law, FinImali and Enhle-Miya (Pty) Ltd will not be liable for any indirect, incidental, special or consequential loss, or for loss of profits, revenue, data, business or goodwill, arising from or related to your use of (or inability to use) the service.
To the maximum extent permitted by law, our total aggregate liability to you for all claims arising from these Terms or the service in any twelve-month period will not exceed the total subscription fees you actually paid to us in that period.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under South African law, including liability for gross negligence or wilful misconduct, or any right or remedy you may have under the Consumer Protection Act 68 of 2008 to the extent it applies.
You indemnify and hold harmless Enhle-Miya (Pty) Ltd, its directors, employees and service providers against claims, losses, damages and expenses (including reasonable legal costs) arising from your breach of these Terms, your misuse of the service, or your violation of any law or third-party right, except to the extent caused by our own negligence or misconduct.
These Terms are governed by and interpreted in accordance with the laws of the Republic of South Africa.
You consent to the jurisdiction of the South African courts for any dispute arising from these Terms or your use of FinImali, subject to any right you may have to approach another forum under the Consumer Protection Act or other applicable law.
If you have a complaint, question or concern about FinImali or these Terms, please contact us first at info@finimali.co.za so that we can try to resolve it with you directly. We aim to acknowledge complaints within a reasonable time and to respond meaningfully.
If your concern relates to personal information, you may also have rights under the Protection of Personal Information Act 4 of 2013 (POPIA), as described in our Privacy Policy.
We may update these Terms from time to time. The “Last updated” date at the top of this page shows when they were last revised.
For material changes, we will give reasonable advance notice — for example by email or an in-app notice — before the updated Terms take effect. If you continue to use FinImali after the updated Terms take effect, you accept them. If you do not agree, you should cancel your subscription and stop using the service.
These Terms, together with our Privacy Policy and any plan-specific terms shown at sign-up, constitute the entire agreement between you and us regarding FinImali, and replace any prior understandings on the same subject.
If any provision of these Terms is found to be invalid or unenforceable, it will be read down or severed to the minimum extent necessary, and the remaining provisions will continue in full force.
Our failure or delay in enforcing any right under these Terms is not a waiver of that right. You may not cede, assign or delegate your rights or obligations under these Terms without our written consent; we may do so to an affiliate or acquirer of our business, on notice to you.
Electronic communications between you and us, including acceptance of these Terms online, are recognised in accordance with the Electronic Communications and Transactions Act 25 of 2002.
Questions about these Terms? Email us at info@finimali.co.za.