These Terms and Conditions (“Terms”) govern your use of FinSight (“the Platform” or “the Tool”). By accessing or using FinSight, you agree to be bound by these Terms. If you do not agree, please do not use the Platform.

1. About Us

This Platform is owned and operated by FinSight (“we”, “us”, or “our”), a financial analysis tool providing software services to small businesses and accountants.

2. Subscription Model and Billing

FinSight operates on a subscription-based model. By signing up for a subscription, you agree to pay the recurring fees associated with your selected plan.

• Subscription fees are billed automatically at the beginning of each billing cycle (e.g., monthly or annually) to your nominated payment method.
• You are responsible for ensuring your payment information remains accurate and up to date.

3. Subscription Cancellations

You may cancel your FinSight subscription at any time through your account dashboard settings.

• Cancellations will take effect at the end of your current paid billing cycle.
• You will retain full access to the tool and its features until the end of the current billing period, after which your account access will be restricted.

4. Refund Policy

Because FinSight provides immediate access to proprietary software and digital analysis tools, all subscription fees are non-refundable.

• We do not offer refunds, partial refunds, or credits for any unused time or mid-cycle cancellations.

5. Virtual Product Access (No Delivery)

FinSight is a 100% digital, virtual product. Upon successful subscription and payment processing, access to the tool is granted immediately via your online account. Therefore, no physical shipping or delivery terms apply to your use of our services.

6. Purpose of the Tool

The financial analysis, features, and generated reports provided by FinSight are for informational and analytical purposes only. They are not intended to constitute accounting, tax, legal, or financial advice. No output generated by this tool should be relied upon as a substitute for professional advice tailored to your specific circumstances.

7. Use of the Platform

You agree to use FinSight lawfully and in a manner that does not:

• Infringe any applicable laws or regulations.
• Infringe the rights of others.
• Interfere with the operation or security of the Platform.
• Attempt to gain unauthorised access to any systems, underlying code, or data.

We reserve the right to restrict or terminate your access to the Platform immediately if these Terms are breached.

8. No Professional Relationship

The use of FinSight, including subscribing to the tool or contacting our support team, does not create an accountant–client or advisor-client relationship. A professional advisory relationship will only exist if you formally engage an external professional or accountant.

9. Accuracy of Information

While we take reasonable care to ensure the algorithms and features of FinSight operate correctly, we make no warranties or representations regarding:

• The completeness, accuracy, or reliability of user-inputted data.
• The final suitability of the generated financial analysis for your specific business decisions.

You are solely responsible for verifying the accuracy of the financial data you input and the subsequent reports generated.

10. Limitation of Liability

To the maximum extent permitted by South African law:

• We are not liable for any loss, damage, or expense arising from the use of, or reliance on, the analysis or information generated by FinSight.
• We are not responsible for any indirect, consequential, or economic loss (including loss of profits or business interruptions).

You use this tool entirely at your own risk.

11. External Links

The Platform may occasionally contain links to third-party websites or integrations for convenience. We do not control, endorse, or accept responsibility for the content, security, or practices of these third-party platforms.

12. Intellectual Property

All software, code, algorithms, text, logos, graphics, and design elements associated with FinSight are the intellectual property of FinSight unless otherwise stated. You may not reproduce, distribute, modify, reverse-engineer, or use any content without our prior written consent.

13. Privacy

Your use of this Platform is also governed by our Privacy Policy, which explains how personal information is collected and processed in accordance with the Protection of Personal Information Act (POPIA).

14. Data Retention and Deletion

You may request deletion of your account and your organisation’s data at any time via your account settings. Deletion requests are reviewed by a member of our team before being actioned and are not processed instantly or automatically.

Once a deletion request is approved and processed:

• All data associated with your account and your organisation is permanently deleted. This includes, without limitation, all imported trial balances, general ledger transactions, customer and supplier ledger data, financial reports, and report settings.
• This deletion is comprehensive and irreversible. We do not retain partial copies, backups, or anonymised versions of deleted data beyond any minimum period required of us by law.
• Deletion applies to the entire organisation, not only the individual who submitted the request. Where an organisation has more than one user, submitting a deletion request will remove access and data for all users of that organisation.

FinSight is not a system of record and is not intended to be the sole or official repository of your business’s financial records. Many jurisdictions, including South Africa, impose statutory obligations on businesses to retain financial and accounting records for a minimum period (for example, under the Companies Act and applicable tax legislation). Responsibility for complying with any such obligation rests entirely with you, and not with FinSight.

Before requesting deletion, you should export any data you wish to retain using the export tools made available to you within the Platform. By submitting a deletion request, you acknowledge that you have had the opportunity to do so, and we accept no liability for any consequences, including any regulatory, tax, or legal consequences, arising from data you did not export prior to requesting deletion.

15. Platform Availability

We strive for maximum uptime, but we do not guarantee uninterrupted access to the tool. We may suspend, withdraw, or modify FinSight at any time for necessary maintenance, updates, or bug fixes without prior notice.

16. Governing Law

These Terms and Conditions are governed by the laws of the Republic of South Africa. Any disputes arising from the use of this Platform will be subject to the exclusive jurisdiction of South African courts.

17. Changes to These Terms

We reserve the right to update or amend these Terms and Conditions at any time. Changes will be effective once posted on this page, and continued use of your subscription constitutes acceptance of these changes.

18. Contact Details

If you have any questions about these Terms and Conditions, please contact us: