Terms of service

2. Professional service and permitted use

DebitGuard provides structured external consumer-complaint risk intelligence for professional risk assessment, audit planning, internal audit, compliance, governance, advisory and related business purposes.

You may use authorised outputs internally for legitimate professional work. You remain responsible for evaluating the source, relevance and reliability of information, performing appropriate procedures and applying professional judgement.

3. Accounts, workspaces and roles

• Account information must be accurate, current and protected from unauthorised access.
• Named-user access is personal and may not be shared.
• Workspace Admins control invitations and role assignments and are responsible for authorised use within their workspace.
• Analyst and Viewer permissions are limited by the service’s role controls.
• You must notify DebitGuard promptly if credentials, invitations or workspace access may have been compromised.

4. Plans and capacity

Plan features, named-user limits, watchlist capacity, actively monitored-company limits and billing intervals are described on the Pricing page or in an agreed enterprise proposal. DebitGuard may enforce those limits technically.

Corporate or Enterprise arrangements may be governed by an additional written agreement. If that agreement conflicts with these Terms, the written enterprise agreement prevails for the relevant customer.

5. Billing, renewal, cancellation and refunds

• Paid subscriptions renew automatically for the selected monthly or annual billing interval until cancelled.
• Paddle acts as Merchant of Record for checkout, payment processing, applicable tax, billing administration and buyer support.
• The workspace Admin may manage billing or schedule cancellation through the secure Paddle customer portal.
• Unless Paddle or applicable law states otherwise, cancellation takes effect at the end of the current paid period and access continues until the paid-through date.
• Refund requests are handled under Paddle’s buyer terms, refund policy and applicable law, taking account of product access and usage.
• Failure, reversal, chargeback or non-payment may result in restricted or suspended paid access.

Taxes may be calculated and collected by Paddle according to the customer’s location and transaction.

6. Acceptable use

You must not:

• Use automated tools to scrape, harvest or systematically extract company data, outputs or source information.
• Reverse engineer, decompile, reconstruct or attempt to discover proprietary formulas, mappings, thresholds, data-processing logic or source code.
• Resell, republish, sublicense or create a competing dataset or service from DebitGuard outputs without written permission.
• Bypass access controls, preview limits, plan limits, security measures or payment requirements.
• Upload or submit unlawful, malicious, confidential client records or personal information that is not necessary for an authorised function.
• Use the service to defame, harass, discriminate, mislead or make unsupported allegations about a company or person.
• Interfere with service availability or attempt unauthorised access to another account or workspace.

8. Data sources, outputs and professional limitations

Complaint data may contain unverified allegations and may not represent every complaint, jurisdiction, business unit or customer. Outputs are indicators based on the available structured data and selected analysis period.

DebitGuard does not provide an audit opinion, assurance conclusion, accounting determination, legal advice, investment advice, credit rating or finding of wrongdoing. Estimated remediation exposure is scenario-based and is not a provision, forecast or statement of liability.

Users must read the Methodology and limitations page and apply appropriate professional judgement.

9. Customer information and confidentiality

You retain responsibility for information you provide to DebitGuard and confirm that you are authorised to provide it. Do not submit confidential audit evidence, privileged material, special personal information or client records unless a specific authorised function and agreement permits it.

DebitGuard will process account and service information as described in the Privacy Notice and will use reasonable safeguards to protect it.

10. Availability and changes

DebitGuard may maintain, update, improve or change the service, data coverage and features. Reasonable efforts will be made to preserve material customer records and provide notice of significant adverse changes where practical.

The service may be temporarily unavailable because of maintenance, security events, third-party services, internet failures or circumstances outside DebitGuard’s reasonable control.

11. Suspension and termination

DebitGuard may suspend or terminate access for material breach, misuse, non-payment, security risk, legal requirement or conduct that threatens the service or other users. Where reasonable, DebitGuard will give notice and an opportunity to remedy the breach.

Provisions concerning intellectual property, confidentiality, payment, limitations and disputes survive termination where their nature requires it.

12. Disclaimers and limitation of liability

The service is provided on a commercially reasonable basis, but DebitGuard does not warrant that every source record, company match, output or service function will be complete, current, error-free or suitable for every purpose.

To the maximum extent permitted by law, DebitGuard is not liable for indirect, consequential or special loss, lost profits, loss of opportunity, professional decisions made without appropriate verification, or reliance on an output as a substitute for required evidence or judgement.

To the maximum extent permitted by law, DebitGuard’s aggregate liability arising from the service is limited to the subscription fees paid for the affected service during the 12 months preceding the event giving rise to the claim.

Nothing in these Terms excludes rights or liability that cannot lawfully be excluded or limited.

13. Governing law and disputes

These Terms are governed by the laws of the Republic of South Africa. The parties should first attempt in good faith to resolve a dispute through written engagement. Subject to any mandatory consumer or statutory rights, South African courts have jurisdiction.

14. Changes and contact

DebitGuard may update these Terms when the service, commercial model or law changes. Material updates will be communicated through the website, account or email where appropriate. Continued use after the effective date constitutes acceptance where permitted by law.

Questions may be sent to support@debitguard.co.za.