terms and conditions – payments

1. detailed description of goods and/or services

BIZZBEAN SA (Pty) Ltd (bizzbean) develops forecasting, budgeting and evaluation software so that entrepreneurs can assess business scenarios and make informed financial decisions.

2. delivery policy

All apps will be delivered electronically immediately on receipt of payment.

The book getting to value will be shipped within 3 days of order, subject to receipt of payment. SA-Paperback will provide a notification of a tracking number our logistics provider, The Courier Guy, who will deliver the book.

3. export restriction

The offering on this website is available to South African clients only.

4. return and refunds policy

Should the book not be available for any reason, bizzbean will refund the client
in full within 30 days.

5. customer privacy policy

bizzbean shall take all reasonable steps to protect the personal information of users. The clause, ‘personal information’ shall be defined as detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA). The PAIA may be downloaded from: http://www.polity.org.za/attachment.php?aa_id=3569.

6. payment options accepted

Payment may be made via Visa or MasterCard Cards or by bank transfer into the bizzbean bank account.

7. card acquiring and security

Card transactions will be acquired for bizzbean via PayGate (Pty) Ltd who are the approved payment gateway for all South African Acquiring Banks. DPO PayGate uses the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no Card details are stored on the website. Users may go to www.paygate.co.za to view their security certificate and security policy.

8. customer details separate from card details

Customer details will be stored by bizzbean separately from card details which are entered by the client on DPO PayGate’s secure site. For more detail on DPO PayGate refer to www.paygate.co.za

9. merchant outlet country and transaction currency

The merchant outlet country at the time of presenting payment options to the cardholder is South Africa. Transaction currency is South African Rand (ZAR).

10. responsibility

The merchant outlet country at the time of presenting payment options to the cardholder is South Africa. Transaction currency is South African Rand (ZAR).

11. country of domicile

This website is governed by the laws of South Africa and bizzbean chooses as its domicilium citandi et executandi for all purposes under this agreement, whether in respect of court process, notice, or other documents or communication of whatsoever nature, 67 Blouberg Crescent, Van Riebeeck Park, Kempton Park, South Africa.

12. variation

bizzbean may, in its sole discretion, change this agreement or any part thereof at any time without notice.

13. company information

This website is run by bizzbean, a private company, based in South Africa trading as BIZZBEAN SA (Pty) Ltd, registration number 2016/088997/07.

director: Quentin G McCullough.

address: 67 Blouberg Crescent, Van Riebeeck Park, Kempton Park, South Africa
phone: 074 690 9774
email: quentinmac@bizzbean.com

terms of service – trading

The following terms and conditions govern all use of the www.bizzbean.com website and all content, services and products available at or through the website (taken together, the website). The website is owned and operated by bizzbean SA (Pty) Ltd (bizzbean). The website is offered subject to your acceptance without modification of all the terms and conditions contained herein and all other operating rules, policies (including, without limitation, bizzbean‘s privacy policy) and procedures that may be published from time to time on this site by bizzbean (collectively, the agreement).

Please read this agreement carefully before accessing or using the website. By accessing or using any part of the web site, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these terms and conditions are considered an offer by bizzbean, acceptance is expressly limited to these terms. The website is available only to individuals who are at least 13 years old.

your www.bizzbean.com account and site

If you create a blog/site on the website, you are responsible for maintaining the security of your account and blog, and you are fully responsible for all activities that occur under the account and any other actions taken in connection with the blog. You must not describe or assign keywords to your blog in a misleading or unlawful manner, including in a manner intended to trade on the name or reputation of others, and bizzbean may change or remove any description or keyword that it considers inappropriate or unlawful, or otherwise likely to cause bizzbean liability. You must immediately notify bizzbean of any unauthorized uses of your blog, your account or any other breaches of security. bizzbean will not be liable for any acts or omissions by You, including any damages of any kind incurred because of such acts or omissions.

1. responsibility of contributors

If you operate a blog, comment on a blog, post material to the website, post links on the website, or otherwise make (or allow any third party to make) material available by means of the website (any such material, “content”), you are entirely responsible for the content of, and any harm resulting from, that content. That is the case regardless of whether the content in question constitutes text, graphics, an audio file, or computer software. By making content available, you represent and warrant that:

  • the downloading, copying and use of the content will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark or trade secret rights, of any third party;
  • if your employer has rights to intellectual property you create, you have either (i) received permission from your employer to post or make available the content, including but not limited to any software, or (ii) secured from your employer a waiver as to all rights in or to the content;
  • you have fully complied with any third-party licenses relating to the content, and have done all things necessary to successfully pass through to end users any required terms;
  • the content does not contain or install any viruses, worms, malware, trojan horses or other harmful or destructive content;
  • the content is not spam, is not machine- or randomly-generated, and does not contain unethical or unwanted commercial content designed to drive traffic to third party sites or boost the search engine rankings of third party sites, or to further unlawful acts (such as phishing) or mislead recipients as to the source of the material (such as spoofing);
  • the content is not pornographic, does not contain threats or incite violence towards individuals or entities, and does not violate the privacy or publicity rights of any third party;
  • your blog is not getting advertised via unwanted electronic messages such as spam links on newsgroups, email lists, other blogs and web sites, and similar unsolicited promotional methods;
  • your blog is not named in a manner that misleads your readers into thinking that you are another person or company – for example, your blog’s URL or name is not the name of a person other than yourself or company other than your own; and
  • you have, in the case of Content that includes computer code, accurately categorized and/or described the type, nature, uses and effects of the materials, whether requested to do so by bizzbean or otherwise.

By submitting content to bizzbean for inclusion on your website, you grant bizzbean a world-wide, royalty-free, and non-exclusive license to reproduce, modify, adapt and publish the content solely for displaying, distributing and promoting your blog. If you delete content, bizzbean will use reasonable efforts to remove it from the website, but you acknowledge that caching or references to the content may not be made immediately unavailable.

Without limiting any of those representations or warranties, bizzbean has the right (though not the obligation) to, in bizzbean‘s sole discretion (i) refuse or remove any content that, in bizzbean‘s reasonable opinion, violates any bizzbean policy or is in any way harmful or objectionable, or (ii) terminate or deny access to and use of the website to any individual or entity for any reason, in bizzbean‘s sole discretion. bizzbean will have no obligation to provide a refund of any amounts previously paid.

2. payment and renewal

general terms
By selecting a product or service, you agree to pay bizzbean the one-time and/or monthly or annual subscription fees indicated (additional payment terms may be included in other communications). Subscription payments will be charged on a pre-pay basis on the day you sign up for an Upgrade and will cover the use of that service for a monthly or annual subscription period as indicated. Payments are not refundable.

automatic renewal
Unless you notify bizzbean before the end of the applicable subscription period that you want to cancel a subscription, your subscription will automatically renew and you authorize us to collect the then-applicable annual or monthly subscription fee for such subscription (as well as any taxes) using any credit card or other payment mechanism we have on record for you. Upgrades can be cancelled at any time by submitting your request to bizzbean in writing.

3. services

fees and payment
By signing up for a Services account you agree to pay bizzbean the applicable setup fees and recurring fees. Applicable fees will be invoiced starting from the day your services are established and in advance of using such services. bizzbean reserves the right to change the payment terms and fees upon thirty (30) days prior written notice to you. Services can be cancelled by you at any time on thirty (30) days written notice to bizzbean.

If your service includes access to priority email support. “email support” means the ability to make requests for technical support assistance by email at any time (with reasonable efforts by bizzbean to respond within one business day) concerning the use of the VIP Services. “priority” means that support takes priority over support for users of the standard or free www.bizzbean.com services. All support will be provided in accordance with bizzbean standard services practices, procedures and policies.

4. responsibility of website visitors

bizzbean has not reviewed, and cannot review, all the material, including computer software, posted to the website, and cannot therefore be responsible for that material’s content, use or effects. By operating the website, bizzbean does not represent or imply that it endorses the material there posted, or that it believes such material to be accurate, useful or non-harmful. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, trojan horses, and other harmful or destructive content. The website may contain content that is offensive, indecent, or otherwise objectionable, as well as content containing technical inaccuracies, typographical mistakes, and other errors. The website may also contain material that violates the privacy or publicity rights, or infringes the intellectual property and other proprietary rights, of third parties, or the downloading, copying or use of which is subject to additional terms and conditions, stated or unstated. bizzbean disclaims any responsibility for any harm resulting from the use by visitors of the website, or from any downloading by those visitors of content there posted.

5. content posted on other websites

We have not reviewed, and cannot review, all the material, including computer software, made available through the websites and webpages to which www.bizzbean.com links, and that link to www.bizzbean.com. bizzbean does not have any control over those non-bizzbean websites and webpages and is not responsible for their contents or their use. By linking to a non-bizzbean website or webpage, bizzbean does not represent or imply that it endorses such website or webpage. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. bizzbean disclaims any responsibility for any harm resulting from your use of non-bizzbean websites and webpages.

6. copyright infringement and DMCA policy

As bizzbean asks others to respect its intellectual property rights, it respects the intellectual property rights of others. If you believe that material located on or linked to by www.bizzbean.com violates your copyright, you are encouraged to notify bizzbean in accordance with bizzbean‘s Digital Millennium Copyright Act (DMCA) Policy. bizzbean will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. bizzbean will terminate a visitor’s access to and use of the website if, under appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of bizzbean or others. In the case of such termination, bizzbean will have no obligation to provide a refund of any amounts previously paid to bizzbean.

7. intellectual property

This agreement does not transfer from bizzbean to you any bizzbean or third party intellectual property, and all right, title and interest in and to such property will remain (as between the parties) solely with bizzbean. This property includes the following logos: bizzbean, www.bizzbean.com, bizzclass, bizzdynamics, bizzmodel, bizzplan, bizzmoney, bizzoptimizer, bizzvaluator and bizzbudget and all other trademarks, service marks, graphics and logos used in connection with www.bizzbean.com, or the website are trademarks or registered trademarks of bizzbean or bizzbean‘s licensors. Other trademarks, service marks, graphics and logos used in connection with the website may be the trademarks of other third parties. Your use of the website grants you no right or license to reproduce or otherwise use any bizzbean or third-party trademarks.

8. advertisements

bizzbean reserves the right to display advertisements on your blog unless you have purchased an ad-free account.

9. attribution

bizzbean reserves the right to display attribution links such as ‘blog at www.bizzbean.com,’ theme author, and font attribution in your blog footer or toolbar.

10. partner products

By activating a partner product (e.g. theme) from one of our partners, you agree to that partner’s terms of service. You can opt out of their terms of service at any time by de-activating the partner product.

11. domain names

If you are registering a domain name, using or transferring a previously registered domain name, you acknowledge and agree that use of the domain name is also subject to the policies of the Internet Corporation for Assigned Names and Numbers (ICANN), including their Registration Rights and Responsibilities.

12. changes

bizzbean reserves the right, at its sole discretion, to modify or replace any part of this agreement. It is your responsibility to check this agreement periodically for changes. Your continued use of or access to the website following the posting of any changes to this agreement constitutes acceptance of those changes. bizzbean may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall be subject to the terms and conditions of this agreement.

13. termination

bizzbean may terminate your access to all or any part of the website at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this agreement or your www.bizzbean.com account (if you have one), you may simply discontinue using the website. Notwithstanding the foregoing, if you have a paid services account, such account can only be terminated by bizzbean if you materially breach this agreement and fail to cure such breach within thirty (30) days from bizzbean‘s notice to you thereof; provided that, bizzbean can terminate the website immediately as part of a general shut down of our service. All provisions of this agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

14. disclaimer of warranties

The website is provided “as is”. bizzbean and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a purpose and non-infringement. Neither bizzbean nor its suppliers and licensors, makes any warranty that the website will be error free or that access thereto will be continuous or uninterrupted. You understand that you download from, or otherwise obtain content or services through, the website at your own discretion and risk.

15. limitation of liability

In no event will bizzbean, or its suppliers or licensors, be liable with respect to any subject matter of this agreement under any contract, negligence, strict liability or other legal or equitable theory for: (i) any special, incidental or consequential damages; (ii) the cost of procurement for substitute products or services; (iii) for interruption of use or loss or corruption of data; or (iv) for any amounts that exceed the fees paid by you to bizzbean under this agreement during the twelve (12) month period prior to the cause of action. bizzbean shall have no liability for any failure or delay due to matters beyond their reasonable control. The foregoing shall not apply to the extent prohibited by applicable law.

16. general representation and warranty

You represent and warrant that (i) your use of the website will be in strict accordance with the bizzbean privacy policy, with this agreement and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside) and (ii) your use of the website will not infringe or misappropriate the intellectual property rights of any third party.

17. indemnification

You agree to indemnify and hold harmless bizzbean, its contractors, and its licensors, and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys’ fees, arising out of your use of the website, including but not limited to your violation of this agreement.

18. miscellaneous

This agreement constitutes the entire agreement between bizzbean and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of bizzbean, or by the posting by bizzbean of a revised version. Except to the extent applicable law, if any, provides otherwise, this agreement, any access to or use of the website will be governed by the laws of the Gauteng, excluding its conflict of law provisions, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in Gauteng. Except for claims for injunctive or equitable relief or claims regarding intellectual property rights (which may be brought in any competent court without the posting of a bond), any dispute arising under this agreement shall be finally settled in accordance with the Comprehensive Arbitration Rules of the Judicial Arbitration and Mediation Service, Inc. (JAMS) by three arbitrators appointed in accordance with such rules. The arbitration shall take place in Gauteng, in the English language and the arbitral decision may be enforced in any court. The prevailing party in any action or proceeding to enforce this agreement shall be entitled to costs and attorneys’ fees. If any part of this agreement is held invalid or unenforceable, that part will be construed to reflect the parties’ original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under this agreement to any party that consents to, and agrees to be bound by, its terms and conditions; bizzbean may assign its rights under this agreement without condition. This agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.

privacy policy

bizzbean SA (Pty) Ltd (bizzbean) operates www.bizzbean.com and may operate other websites. It is bizzbean‘s policy to respect your privacy regarding any information we may collect while operating our websites.

website visitors

Like most website operators, bizzbean collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. bizzbean‘s purpose in collecting non-personally identifying information is to better understand how bizzbean‘s visitors use its website. From time to time, bizzbean may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

bizzbean also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on www.bizzbean.com blogs/sites. bizzbean only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.

gathering of personally-identifying information

Certain visitors to bizzbean‘s websites choose to interact with bizzbean in ways that require bizzbean to gather personally-identifying information. The amount and type of information that bizzbean gathers depends on the nature of the interaction. For example, we ask visitors who sign up at www.bizzbean.com to provide a username and email address. Those who engage in transactions with bizzbean are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, bizzbean collects such information only insofar as is necessary or appropriate to fulfil the purpose of the visitor’s interaction with bizzbean. bizzbean does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

aggregated statistics

bizzbean may collect statistics about the behaviour of visitors to its websites. bizzbean may display this information publicly or provide it to others. However, bizzbean does not disclose personally-identifying information other than as described below.

protection of certain personally-identifying information

bizzbean discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information to process it on bizzbean‘s behalf or to provide services available at bizzbean‘s websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using bizzbean‘s websites, you consent to the transfer of such information to them. bizzbean will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, bizzbean discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when bizzbean believes in good faith that disclosure is reasonably necessary to protect the property or rights of bizzbean, third parties or the public at large. If you are a registered user of a bizzbean website and have supplied your email address, bizzbean may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what is going on with bizzbean and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it to help us clarify or respond to your request or to help us support other users. bizzbean takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.


A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. bizzbean uses cookies to help bizzbean identify and track visitors, their usage of bizzbean website, and their website access preferences. bizzbean visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using bizzbean‘s websites, with the drawback that certain features of bizzbean‘s websites may not function properly without the aid of cookies.

business transfers

If bizzbean, or substantially all of its assets, were acquired, or in the unlikely event that bizzbean goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of bizzbean may continue to use your personal information as set forth in this policy.


Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This privacy policy covers the use of cookies by bizzbean and does not cover the use of cookies by any advertisers.

privacy policy changes

Although most changes are likely to be minor, bizzbean may change its Privacy Policy from time to time, and in bizzbean‘s sole discretion. bizzbean encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a www.bizzbean.com account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this privacy policy will constitute your acceptance of such change.