Terms of use

In short: you can use our free tools and templates for your own business at no cost. What they produce is general information, not legal or tax advice, so check anything important with an attorney or accountant. Where figures come from SARS or the law, we check them, but rules change, so each tool shows when it was last checked or updated.

Who we are

Kwalify is a product of NCC Recover (Pty) Ltd (registration number 2023/635968/07), which runs this website. Our address is Unit 156 Riverglades Estate, 67 Juweel Street, Jukskei Park, Gauteng, 2188. Contact us at [email protected].

What these terms cover

These terms cover this website (kwalify.co.za), its free tools (such as the invoice generator, the VAT calculator and the payslip generator) and its free templates. They don’t cover the Kwalify product.

By using the website, the tools or the templates, you accept these terms. Our privacy policy explains how we handle personal information.

Using the tools and templates

• The tools and templates are free. You don’t need an account.
• You can use what they produce, and the templates, for your own business and with your own clients.
• What you type into a tool stays in your browser on your device. It isn’t sent to us, so keep your own copy of anything you need.
• Don’t use the website to break the law, or try to disrupt it or the people who use it.

General information, not advice

The tools, templates, guides and articles are general information. They aren’t legal, tax, accounting or financial advice, and they don’t take your particular situation into account. Before you rely on a result, a template or an article for something important, check it with an attorney, an accountant or a tax practitioner.

How accurate the figures are

Where a tool’s figures come from an official source, such as SARS or the Act that applies, we check them against it, and the tool page shows that source and the date we last checked. Other tools show when they were last updated. Tax figures change, usually from 1 March each year, and laws change too, so a result is only as current as that date.

• Quote maker: checked against SARS on 10 October 2026
• Share certificate generator: checked against the Companies Act on 10 October 2026
• Signature generator: updated 10 October 2026
• VAT calculator: checked against SARS on 10 October 2026
• Margin calculator: updated 10 October 2026
• Markup calculator: updated 10 October 2026
• Invoice generator: checked against the VAT Act on 11 October 2026
• Receipt maker: checked against the VAT Act on 11 October 2026
• Salary tax calculator: checked against SARS on 11 October 2026
• Payslip generator: checked against SARS on 11 October 2026

The payroll tools use SARS’s tax tables for the 2025/26 and 2026/27 tax years. The VAT tools use the VAT rate of 15%.

If you find a figure that’s wrong, please tell us at [email protected].

Our liability

We provide the website, the tools and the templates free of charge and as they are. We don’t promise that they will always be available, free of errors or suitable for your purpose.

To the extent the law allows, we are not liable for any loss or damage that comes from using, or relying on, the website, a tool’s result, a template or an article.

Nothing in these terms limits any right you have that the law doesn’t allow us to limit.

Changes and the law that applies

We may update these terms. The version on this page applies from the date it was published. South African law applies to these terms.

Contact

Questions about these terms: [email protected].