1. Acceptance of Terms

By accessing and using the BleedRate website and calculator (the "Site"), you accept and agree to be bound by and abide by the terms and conditions of this Agreement. If you do not agree to abide by the above, please do not use this service.

We reserve the right to modify these terms at any time. Changes become effective immediately upon posting. Your continued use of the Site constitutes acceptance of modified terms.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on BleedRate for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modifying or copying the materials
• Using the materials for any commercial purpose or for any public display
• Attempting to decompile or reverse engineer any software contained on the Site
• Removing any copyright or other proprietary notations from the materials
• Transferring the materials to another person or "mirroring" the materials on any other server
• Scraping, crawling, or automated data collection without permission
• Using the calculator to generate bulk data or for commercial resale

This license shall automatically terminate if you violate any of these restrictions and may be terminated by BleedRate at any time. Upon termination of your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimers

3.1 Not Professional Tax Advice

3.2 No Warranty of Accuracy

While we strive for accuracy, BleedRate provides estimates based on publicly available tax rates. We do not guarantee:

• The accuracy of tax rates or calculations
• That calculations account for all applicable deductions, exemptions, or rebates
• That tax law has not changed since our last update
• Provincial or local variations in rates or regulations
• The calculator will work correctly on all devices or browsers

3.3 Tax Rates Subject to Change

South African tax rates change frequently. While we update BleedRate annually, tax changes can occur mid-year. Your actual tax liability is determined by:

• Current SARS tax tables and regulations
• Your specific personal and financial circumstances
• Official government tax announcements

Always verify current rates on the SARS website (www.sars.gov.za) before filing.

3.4 Not an Official SARS Tool

BleedRate is not an official tool of the South African Revenue Service (SARS). For official tax calculations, filing, or inquiries, contact SARS directly:

• Website: www.sars.gov.za
• Phone: 0800 00 7277 (toll-free in South Africa)
• eFiling: Official tax return filing through SARS eFiling portal

4. Limitations of Liability

4.1 No Liability for Accuracy

4.2 As-Is Disclaimer

BleedRate is provided on an "AS-IS" and "AS AVAILABLE" basis. We disclaim all warranties, expressed or implied, including:

• Warranties of merchantability or fitness for a particular purpose
• Non-infringement of third-party rights
• Uninterrupted or error-free operation
• Freedom from viruses or harmful code

4.3 Limitation on Damages

In no event shall BleedRate, its developers, or hosting providers be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, even if advised of the possibility of such damages.

4.4 Maximum Liability

The maximum liability of BleedRate for any claim arising from use of the Site shall not exceed the amount paid (if any) to access or use the Site, or R100, whichever is greater.

5. User Content & Submissions

5.1 Your Data

When you use the calculator:

• Calculator inputs: Run entirely in your browser and are not stored on our servers unless you explicitly save them
• Saved calculations: If you save your results (future feature), you grant us permission to store and process your data according to our Privacy Policy
• Analytics: We collect aggregate usage data but not your personal financial information

5.2 Your Responsibilities

You agree to:

• Provide accurate information when using the calculator
• Use the Site only for lawful purposes
• Not attempt to gain unauthorized access to the Site
• Not submit malware or attempt to disrupt service
• Not scrape or automate data collection without permission
• Verify all calculations with a tax professional before filing

6. Intellectual Property Rights

6.1 BleedRate Content

All content on the BleedRate website—including text, graphics, logos, images, code, and software—is the property of BleedRate or its content suppliers and is protected by copyright and other intellectual property laws.

6.2 Open Source Components

BleedRate uses open source software. The source code is available on GitHub under the appropriate license. See the repository for license details: https://github.com/louisza/BleedRate

6.3 Limited License

You may:

• Use the calculator for personal, non-commercial purposes
• Link to the website
• Share calculation results

You may NOT:

• Copy or modify the calculator code for commercial use
• Scrape data or automated bulk calculations
• Incorporate the calculator into another service without permission
• Reproduce content without attribution

7. Termination of Access

BleedRate reserves the right to:

• Terminate or suspend your access to the Site at any time for any reason
• Block users engaged in illegal activity or terms violation
• Modify or remove features at any time
• Take down the Site entirely if necessary

Termination does not affect your rights to use BleedRate data for personal purposes or your right to use open source components per their licenses.

8. Third-Party Links & Services

BleedRate may link to external sites (SARS, Treasury, payment processors, etc.). We are not responsible for:

• The accuracy or content of third-party websites
• Privacy practices of third-party services
• Availability or quality of external services
• Your use of third-party services

Always review the terms and privacy policies of any third-party services you use.

9. Indemnification

You agree to indemnify and hold harmless BleedRate, its developers, and hosting providers from any claims, damages, or costs (including legal fees) arising from:

• Your use or misuse of the Site
• Your violation of these terms
• Your violation of any law or regulation
• Your infringement of third-party rights
• Content you submit or share

10. Modification of Terms

We may modify these terms at any time. Changes are effective immediately upon posting. Continued use after modifications constitutes acceptance of the new terms.

Significant changes (e.g., changes to liability disclaimers) will be announced prominently on the website.

11. Governing Law & Jurisdiction

These terms are governed by the laws of South Africa. Any disputes arising from use of BleedRate shall be subject to the jurisdiction of South African courts.

12. Contact Us