Terms and Conditions.

1. General Terms of Use

1.1 Introduction

These Terms and Conditions govern your use of the ExecuDebt Budget Planner application and services. By accessing or using our services, you agree to be bound by these Terms.

1.2 Definitions

• "ExecuDebt" or "we" refers to ExecuDebt Budget Planner and its operators.
• "User" or "you" refers to any person who accesses or uses our services.
• "Services" refers to the ExecuDebt Budget Planner application, website, and all related features.
• "Subscription" refers to paid access to our premium features.

1.3 Eligibility

To use our services, you must be at least 18 years old and a resident of the Republic of South Africa with valid banking details.

1.4 Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use.

2. Subscription Terms

2.1 Free Trial

New users receive a 30-day free trial with full access to all features. No payment is required during the trial period.

2.2 Subscription Fees

2.3 Debit Order Authorization

By subscribing, you authorize ExecuDebt to debit your nominated bank account for the monthly subscription fee on your selected debit order day (1st, 15th, or 25th of each month).

2.4 Cancellation

You may cancel your subscription at any time by contacting our support team. Cancellation will take effect at the end of your current billing period. No refunds are provided for partial months.

2.5 Failed Payments

If a debit order fails, we may attempt to collect payment again. Continued failed payments may result in suspension of your account access.

3. "Save & Earn" Referral Programme Terms

3.1 Eligibility

The programme is open to all active ExecuDebt Budget Planner users with a valid subscription.

3.2 Definitions

• Referrer: An active ExecuDebt Budget Planner user with a valid subscription.
• Referred Client: A new user who signs up using a referrer's code/link.
• Successful Referral: A referred client who:

• Pays the R149 joining fee
• Completes registration
• Activates a valid debit order
• Successfully completes three (3) consecutive R79 subscription debit orders

• Referral Month: The period between the 1st and last day of a calendar month.

3.3 Referral Reward Structure

Rewards are earned per calendar month, based on the number of successful referrals in that month:

Tiered amounts apply to the referral position within each month. Monthly referral counts reset on the 1st of every month.

3.4 Second-Tier Commission

You earn 10% of the referral earnings generated by each of your direct referrals. This commission is paid only after the direct referral's earnings have been validated.

3.5 Reward Payment

• Rewards are paid after verification once the referred client meets the success criteria.
• Payments may be made via wallet credit, EFT into your nominated debt account, or voucher (if applicable).
• Verification and payments may take up to 14 business days.

3.6 Rewards Not Issued For

• Failed, reversed, or cancelled debit orders
• Duplicate phone numbers, emails, or device IDs
• Self-referrals
• Accounts created with fraudulent information

3.7 Limits & Restrictions

• Maximum of 100 referral rewards may be earned per user per month (unless otherwise approved).
• Only South African residents with valid banking details may participate.
• All referred clients must remain active through the verification period.
• Rewards cannot be exchanged for subscription payments unless stated.

3.8 Programme Changes

ExecuDebt Budget Planner may modify, pause, or terminate the Referral Programme at any time, with or without notice.

4. Fraud & Abuse Policy

ExecuDebt Budget Planner reserves the right to withhold or reverse rewards if fraudulent activity is detected, including but not limited to:

• Fake or duplicate profiles
• Duplicate or shared device referrals
• Self-referrals
• Temporary SIM swaps
• Reversed or cancelled debit orders
• Referral farms or coordinated abuse
• Using multiple accounts with the same bank account
• Any form of identity manipulation

ExecuDebt Budget Planner may require proof of identity before releasing rewards. Fraudulent activity will result in forfeiture of rewards and may lead to account termination.

5. Privacy & Data Protection

5.1 Data Collection

We collect personal information necessary to provide our services, including your name, contact details, ID number, and banking information. This data is used solely for account management, payment processing, and service delivery.

5.2 Data Protection

We are committed to protecting your personal information in accordance with the Protection of Personal Information Act (POPIA) of South Africa. Your banking details are encrypted and stored securely.

5.3 Third-Party Sharing

We do not sell or share your personal information with third parties except as necessary to process payments or as required by law.

6. Limitation of Liability

ExecuDebt Budget Planner will not be liable for:

• Banking errors or delays from financial institutions
• Incorrect referral code usage
• Technical failures or platform outages
• External platform issues
• Any indirect, incidental, or consequential damages

Our services are provided "as is" without warranties of any kind. We make no guarantees regarding financial outcomes or debt reduction results.

7. Governing Law

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

8. Contact Information

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