Terms of Use

By using SignalLedger or buying from it you agree to these terms.

Who can use SignalLedger. Anyone may use the free checker and tools without an account. To open an account, sign up, accept an invitation or buy anything you must be 18 or older, and you confirm this when you tick the box. If you are under 18, a parent or guardian must do it for you, in their own name. If we learn that someone under 18 opened an account or bought without a parent's or guardian's consent, we close the account and delete their personal information, and a parent or guardian may ask us to cancel and refund that order (Consumer Protection Act, section 39).

1. What SignalLedger is

A free checker that shows which registrations, licences and government forms may apply to your type of business, and a shop for document templates (Word files you edit) and guides (PDF files). It is general information, not legal, tax or accounting advice. See the Disclaimer.

SignalLedger is made for businesses in South Africa: the checklists, documents and prices are about South African law and are in rand, and we do not aim the site or our products at people in any other country. You may visit from anywhere, but the information may not apply where you are. If you buy from outside South Africa, these terms and South African law apply, and PayFast charges you in rand (your bank may add currency conversion fees). Some countries give consumers rights that a contract cannot take away; nothing in these terms takes away those rights.

2. Products and prices

The checker and the gap report are free. Links to government forms are free. A single document costs R50. The Compliance Pack costs R350 and holds up to 20 documents chosen for your business type. All prices are in rand and are once-off: there is no subscription. We are not registered for VAT, so no VAT is added.

From time to time we run a special: the site then shows the normal price, the special price and the date and time the special ends. A discount code, where we give one, is typed on the payment screen; it may be limited to some products, a period or a number of uses, and it cannot take a total below R5. The payment screen shows the total after any special and code, and that is what you pay. A special or code does not apply to an order already paid.

Before you pay, the payment screen lists every document in your order and the total. That list is what you are buying.

Accounts. An account is free and keeps 1 business; SignalLedger Pro keeps more (see below).

Member prices. While you are signed in, documents and packs cost less than the normal price: 20% off with a free account, and 50% off with SignalLedger Pro once its free documents are used. The price is shown before you pay. The best price applies: a member price is not added to a special or a discount code.

Referral credits. When someone signs up for a new account through your invite link, you get one credit, worth one single document (not a pack), up to 10 a year. Your own addresses do not count, a credit has no cash value and cannot be transferred, and we may stop credits that are earned by misuse.

SignalLedger Pro. One plan for business owners and for accountants, bookkeepers and advisers with clients: a monthly price by PayFast debit order each month, or a yearly price by debit order each year, with no sign-up fee. The prices are shown before you pay. A plan includes 5 seats; each business you keep in your account and each client you invite takes one, and you can buy more seats at the price shown. While your plan is paid up: (1) documents on sale are free up to the number shown in your account (documents per 30 days), emailed to your account's address like any order, for your own use and your clients'; after that you pay the Pro member price; you may not resell or publish the files; (2) you may invite clients; a client who accepts lets you see (not change) the businesses they keep in their account, and either of you can stop that at any time; (3) you may switch on deadline reminder emails, on the days you choose before each date in your calendar; (4) you may invite up to 3 team members, who see (not change) your dashboard and the businesses on it, free and without taking seats; (5) you may switch on law update emails, sent when a law update we publish affects one of your or your clients' businesses (general information, not legal advice). To change your seats or switch between monthly and yearly you start a new plan: it is paid now, follows on from the period you already paid for, and your earlier debit order is stopped. A free account keeps 1 business. You can cancel at any time from "My account": the next debit order does not go through, and Pro stays on until the end of the period you paid for. Pro is a service that starts at once, so a part period is not refunded because you changed your mind; if Pro does not work as described, tell us and we will fix it or refund the unused part. If a debit order fails, Pro stops a few days after the paid period ends; your businesses stay in your account (a free account can add only 1), reminder emails pause, and your clients' businesses are hidden until Pro is paid again. We may change the prices for new plans; a price change for a plan already running needs your agreement first.

3. Payment

You pay through PayFast. PayFast handles your card or bank details. We never see or store them.

4. Delivery

Once PayFast confirms your payment, your documents are emailed to you automatically, usually within minutes, as attachments. The email also has a backup download link that works for 7 days, with up to 5 downloads of each file. If nothing arrives within an hour, or your link has expired, email support@signalledger.co.za with your order reference and we will send your documents again at no charge. The delivery email is your receipt: it shows our name and address, the date, each item with its price and quantity, and the total paid. Keep it as your record of the order; we keep our copy for 5 years.

5. Cancellations and refunds

Our products are digital files that are delivered immediately. Once delivered they cannot be returned, so we do not cancel orders or give refunds because you changed your mind. You are asked to confirm this before you pay. We rely on section 42(2) of the Electronic Communications and Transactions Act, under which the 7-day cooling-off right does not apply to goods that by their nature cannot be returned.

If a document is not delivered, is faulty, or is not what its description said, tell us. We will re-send it, fix it or replace it, and if we cannot, we will refund what you paid for it.

Nothing in these terms takes away any right you have under the Consumer Protection Act.

6. Using the documents

The documents belong to Signal Ledger. When you buy one you may use and edit it for your own business. You may not resell it, share it publicly or pass it on to others.

7. Accuracy

We check our content against official sources, but the law changes and we cannot promise that everything is complete or current on the day you use it. You are responsible for confirming requirements and for adapting each template to your business. The same applies to our Learn pages, news summaries and law updates: they are general information, and each outside item links to its source so you can check it.

8. Our liability

As far as the law allows, our liability for any claim is limited to the amount you paid for the product concerned, and we are not liable for fines, penalties or lost income. This does not limit any liability that the law does not allow us to limit, including under the Consumer Protection Act.

9. Your information

The Privacy Notice explains what we collect and why.

10. Complaints

Email support@signalledger.co.za first so we can put it right. If we do not resolve it, you may complain to the Consumer Goods and Services Ombud (cgso.org.za) or the National Consumer Commission (thencc.org.za). We do not subscribe to any other alternative dispute resolution code.

11. Help from a professional, and partners

For customers. Where a checklist item shows "Get help with this", you can ask for a registered professional (for example an accountant, tax practitioner or consultant) to help you. With your consent, we send your request to one professional we work with at a time; the first to accept it gets your details, and we email you who it is before they contact you. If none accepts within 3 working days, we tell you. You pay SignalLedger nothing. The professional is independent: they quote you, agree the work with you and are responsible for it; SignalLedger does not do, check or guarantee their work and is not a party to your agreement with them. The professional pays us an introduction fee (R100, R200 or R350 depending on the service), which may not be added to your price.

For partners. A partner is a professional we approved after checking their registration with their professional body. Partners get SignalLedger Pro at the partner price (shown before you pay), free for the first 3 months, and job cards for the services and areas they chose. A partner who accepts a job card agrees to: contact the customer within 1 working day; use the customer's details only for that request (POPIA) and keep them secure; tell the customer about the introduction fee; follow their professional body's rules; and pay the lead fee shown on the card (R100, R200 or R350; free in the first 3 months) on our monthly invoice, by EFT within 14 days. A bad lead (a wrong number, a duplicate or outside the chosen area) reported from the job card within 7 days is free. We may pause or end a partnership if a customer complains with good reason, a registration lapses, or invoices are unpaid. Attorneys are not accepted as paid partners.

12. General

We may update these terms. The version that applies to an order is the one shown here when you paid. South African law applies and South African courts may hear any dispute, without taking away any consumer rights the law of your own country gives you that cannot be excluded.

Signal Ledger is not a member of a self-regulatory body and does not subscribe to a code of conduct. SignalLedger Pro has no minimum term: it runs month to month (or year to year) until you cancel it in "My account". Payments are made on PayFast's own secure payment pages; we never receive card or bank details. You can save or print these terms at any time from this page (Electronic Communications and Transactions Act, section 43).

Last updated: 1 November 2026