Terms of Sale | Altiora Business Management

Terms of sale

The terms that apply when you buy from the Altiora Library or subscribe to a retainer online.

Last updated: 21 October 2026

1. Seller

Products and services on this site are sold by Altiora Business Management, Ballito | Durban | Cape Town | Fourways | Online across South Africa. Email hello@altiorawealth.co.za, phone 074 490 3875. These terms add to our website Terms of Use.

2. Prices

All prices are in South African Rand (ZAR). Altiora is not registered for VAT, so prices include no VAT and none is added at checkout. The price you pay is the total shown at checkout. If a price shown is clearly wrong, we will tell you before processing the order and you may cancel.

3. Payment

Payments are processed securely by PayFast (card, Instant EFT and other methods PayFast offers). We never see or store your full card details. Retainer subscriptions are billed monthly by PayFast; see the Retainer Terms.

4. Delivery of digital goods

Once PayFast confirms your payment, we email download links to the address you gave at checkout, usually within minutes. Links expire after 7 days; if yours expire or the email does not arrive (check your spam folder), email us with your order reference and we will resend them. Large bundles may be delivered as separate links for each file. Nothing is posted.

5. Licence

Products are licensed, not sold, for your own personal or business use. You may edit templates for your own business and share the finished documents, but you may not resell, share, upload or distribute the files themselves. Each product contains its full licence and disclaimer.

6. Refunds

Digital downloads are non-refundable once accessed, as permitted by ECTA. Faulty files are replaced or refunded. Full details are in our Refund & Returns Policy, which you accept at checkout.

7. General information only

Our products are general educational information and are not financial, legal, tax, accounting or investment advice. Altiora is not a lender, credit provider or authorised financial services provider. See our Disclaimer.

8. Privacy

We use your name and email to deliver your order, send receipts and handle support, as set out in our Privacy Notice and POPIA page.

9. Law

These terms are governed by South African law, including the Consumer Protection Act and the Electronic Communications and Transactions Act. Nothing in them limits rights you have under those Acts.

This page is a summary of our standard terms and does not limit any right you have under the Consumer Protection Act 68 of 2008 or the Electronic Communications and Transactions Act 25 of 2002.