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Terms and Conditions

IntroductionEligibilityAccount Registration and SecurityRules of ConductIntellectual PropertyServices and ProductsPayments, Pricing, Refunds, Cancellations and DeliveryDisclaimer of WarrantiesLimitation of LiabilityIndemnificationTerminationGoverning Law and Dispute ResolutionCompliance with South African LawsChanges to These TermsMiscellaneousContact Us

Introduction

Effective Date: June 2024 | Last Updated: September 2026

These Terms and Conditions ("Terms") govern your access to and use of the website www.cbos.co.za (the "Site") and any services, tools, products, or content provided by CBOS (Pty) Ltd ("CBOS", "we", "us", or "our"). 

Registration number : 2014/143664/07   Vat Number: 4200267567

By accessing or using the Site, or by purchasing or using any services or tools offered through the Site, you agree to be bound by these Terms. If you do not agree, you must immediately cease using the Site and any related services.

These Terms also apply to any separate agreements (written or oral) for services provided by CBOS or its affiliates, and are incorporated by reference into those agreements. 

Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Site or our services. By using the Site, you represent that you meet this requirement.

Account Registration and Security

Where the Site requires registration:

  • You must provide accurate and complete information.
  • You are solely responsible for maintaining the confidentiality of your account credentials (username, password, etc.).
  • You are responsible for all activities that occur under your account.
  • You must notify us immediately of any unauthorised use or security breach.
  • We are not liable for any loss arising from your failure to secure your account.

Rules of Conduct

You agree not to:

  • Use the Site for any unlawful purpose or in violation of any applicable law or regulation.
  • Interfere with, disrupt, or damage the Site, its servers, or any connected networks.
  • Attempt to gain unauthorised access to any part of the Site or related systems.
  • Transmit viruses, malware, or any harmful code.
  • Engage in scraping, data mining, or automated collection of content without our written consent.
  • Harass, abuse, or harm others through the Site.

We reserve the right to suspend or terminate your access for any violation of these rules.

Intellectual Property

All content on the Site, including text, graphics, logos, software, designs, databases, and tools, is owned by CBOS or its licensors and is protected by South African and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Site for personal or internal business purposes in accordance with these Terms. You may not copy, modify, distribute, reverse-engineer, decompile, or create derivative works from any content without our prior written consent.

Trademarks displayed on the Site are owned by their respective owners and may not be used without permission.

Services and Products

Any tools, software, APIs, or services offered through the Site are provided on an "as is" and "as available" basis. We may modify, suspend, or discontinue any feature or service at any time without notice.

Payments, Pricing, Refunds, Cancellations and Delivery

Reseller and merchant of record. CBOS (Pty) Ltd is the authorised South African reseller of the Y Intelligence (Y-Institute) platform. When you buy a Y Intelligence subscription plan, credit top-up, add-on or related service, your contract of sale is with CBOS, CBOS issues your tax invoice and receipt, and CBOS is responsible to you for delivery, refunds and cancellations. Your use of the platform itself is also subject to the Y Intelligence terms of use and acceptable-use rules presented to you inside the application.

Pricing. Current plan prices, credit prices, top-up amounts, bonus credit rates and overage charges are published on our Pricing page. All prices are in South African Rand and include VAT at the prevailing rate where applicable. The price shown to you at checkout, or on your invoice, is the price you pay. We give at least 30 days' written notice before a price increase takes effect on an existing plan.

Payment. Card and instant-EFT payments are processed on our behalf by Paystack Payments Limited. Your card details are captured on Paystack's secure payment page and are never stored by CBOS. If you choose to save a card for automatic top-ups, CBOS stores only a payment token issued by Paystack. Plans are billed monthly in advance; top-ups are once-off payments; enterprise and larger customers may pay by EFT against a CBOS invoice, in which case payment is due within the period stated on the invoice.

Delivery. Everything we sell is a digital service delivered by activation on your Y Intelligence workspace. Credits and plans bought by card or instant EFT are delivered immediately on payment confirmation and in any event within 24 hours; purchases paid by EFT against an invoice are delivered within one business day of the funds clearing. Our Delivery Policy sets out the full timelines and what to do if a purchase has not been delivered.

Cooling-off and refunds. Where you buy from us electronically you have the right under section 44 of the Electronic Communications and Transactions Act 25 of 2002 to cancel the transaction within seven days of payment. Unused purchased credits and unused plan fees are refunded in that period, and consumed usage is valued at the published rate of R0.10 per credit. Duplicate or incorrect charges, and purchases we fail to deliver, are refunded in full at any time. Bonus, promotional and consumed credits are not refundable. Refunds are paid to the original payment method through Paystack within the periods stated in our Refund Policy, which forms part of these Terms.

Cancellation. You may cancel a monthly plan at any time, with no cancellation fee, and it remains active until the end of the period you have paid for, after which your workspace moves to the free Personal plan with all your content intact. Fixed-term and prepaid agreements may be cancelled on 20 business days' written notice in terms of section 14 of the Consumer Protection Act 68 of 2008. Automatic top-ups can be switched off at any time. Our Cancellation Policy, which forms part of these Terms, sets out how to cancel and what happens to your credits and data, and our rights to suspend or cancel for non-payment or breach.

Consumer rights. Nothing in these Terms or in the policies referred to above limits any right you have under the Consumer Protection Act, the Electronic Communications and Transactions Act or the Protection of Personal Information Act 4 of 2013 that cannot lawfully be excluded.


Disclaimer of Warranties

To the fullest extent permitted by law, the Site and all services are provided "as is" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted access.

We do not warrant that the Site will be error-free, secure, or free from viruses or other harmful components.

Limitation of Liability

To the maximum extent permitted by applicable law (including the Consumer Protection Act, 2008):

  • CBOS, its directors, employees, affiliates, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or services, even if advised of the possibility of such damages.
  • Our total liability to you for any claim shall not exceed R100 (One Hundred South African Rand) or the amount you paid us in the preceding 12 months, whichever is greater.

Certain limitations may not apply where prohibited by the Consumer Protection Act or other mandatory laws.

Indemnification

You agree to indemnify, defend, and hold harmless CBOS and its officers, directors, employees, and affiliates from any claims, losses, or damages (including legal fees) arising from your breach of these Terms, violation of law, or infringement of third-party rights.

Termination

We may terminate or suspend your access to the Site or services at any time, without notice, for any reason, including breach of these Terms. Upon termination, your right to use the Site ceases immediately.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the Republic of South Africa.

Any dispute arising from these Terms shall first be attempted to be resolved amicably. If unsuccessful, disputes will be subject to the exclusive jurisdiction of the courts of South Africa, subject to your rights under the Consumer Protection Act.

Compliance with South African Laws

These Terms comply with the Consumer Protection Act 68 of 2008, the Electronic Communications and Transactions Act 25 of 2002, and the Protection of Personal Information Act 4 of 2013 (POPIA). Any provision found to be unfair, unreasonable, or contrary to these laws will be severed or modified to the minimum extent necessary, without affecting the remainder of the Terms.

Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on the Site with a revised "Last Updated" date. Material changes will be notified via the Site or email where feasible. Your continued use of the Site after changes constitutes acceptance of the updated Terms.

Miscellaneous

Entire Agreement: These Terms constitute the entire agreement between you and CBOS regarding the Site.

Severability: If any provision is held invalid, the remainder shall continue in full force.

Waiver: No waiver of any term shall be deemed a continuing waiver.

Contact Us

If you have questions, wish to exercise your rights, or have comments about these Terms and Conditions, please contact us at:

Email: [email protected] Address: CBOS (Pty) Ltd, 100 Edward Street, Bo Oakdale, Bellville, 7530

We act as the "Responsible Party" under POPIA.