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Terms and conditions

Client Co-operation

We require that clients respond promptly to our requests for information, documents or signatures. If they do not do so within 8 weeks of our request, we will close the file without notice or refund, and will no longer send reminders. Under certain circumstances, we may re-open a file. However, there may be additional charges for the preparation of new documents to replace those outdated by the delay.


All consultations via Zoom or Google Meet with our CEO, Derek Springett, are entirely free of charge and unlimited in number or duration. You can check his diary and book a time that suits you.

Debit Orders

Selected clients may be given a detailed quotation for the work that we would anticipate performing over the forthcoming 12 months, or to their first financial year end thereafter. The total fee is then divided by the number of months covered by the quotation and they enter into a Debit Order agreement whereby the fixed amount is debited to their bank account each month.

Any additional work that was not included in the quotation will be quoted separately on request and, if accepted, added to the debit order at the month end following acceptance.

Cash Practice

With most clients, however, we operate as a cash practice. This means that before we commence any specific task, the relevant invoice must be paid in full together with any outstanding balance on the client’s account.

Except for online purchases, payments should be made by EFT. Our banking details are given here.

Returns and cancellations

All of our services are “special order goods” as defined in the Consumer Protection Act. We regret that we do not accept returns or cancellations once we have initiated a particular assignment or order.


We do not provide refunds under any circumstances. In the event that we agree to pass a credit, it will stand to your account and can be utilised over a period not exceeding 12 months (whereafter it will be written off) by engaging any of our normal services as Chartered Accountants (SA) and Tax Practitioners or by purchasing an alternative product. See our services here.


We warrant that all shelf entities are free of liabilities and that their CIPC and tax affairs (where they are tax registered) are up to date at the time of delivery.


By purchasing from us you accept these terms and conditions.

We respect your privacy. This policy serves to protect your privacy and sets out our company policy with regard to your personal information.

Website disclaimer

Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Harbour & Associate’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The terms Harbour & Associates or “us” or “we” refers to the owner of the website. The term “you” refers to the user or viewer of our website.

The use of the Harbour & Associates website and the related products and/or services shall be governed by and construed in accordance with the laws of the Republic of South Africa. Should you apply for any products or services on or through this website, you consent and submit to the jurisdiction of the courts of the Republic of South Africa with regard to all proceedings, actions, applications instituted by either party against the other and in any way arising from any of the stated terms and conditions.

The information contained on this website is to provide you with information about Harbour & Associates, our products and services. It is subject to change without notice. We do not provide any warranty or guarantee, expressed or implied, as to the accuracy, availability, completeness and suitability of the information and products found or offered on this website for any particular purpose. You acknowledge that such information and products may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

While we have taken care to ensure that the content of this website is accurate and up to date, this website and the services accessible on this website are provided “as is”. Your use of any information, products or services on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

Harbour & Associates reserve the right in their sole discretion to amend this website, the products, the information described on this website and the terms and conditions from time to time and you agree that you will review the terms for any such amendments whenever you visit our website.

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, logos, graphics, articles and copy. You are authorised to view and download, print and make copies of such printouts provided that you use the material for non-commercial and personal purposes only. You may copy the content to individual third parties for their personal use, but only if you acknowledge this website as the source of the information and/or materials. You may not, without Harbour & Associate’s expressed written consent, distribute or commercially exploit the content.

Harbour & Associates makes no warranty as to the operation, availability or functionality of this website and we further make no warranty that the information and products available on this website are free of viruses, destructive materials or any other data which may corrupt or compromise the operation or content of your computer system, computer network, hardware or software. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Every effort is made to keep this website up and running smoothly. However, Harbour & Associates takes no responsibility for, and will not be liable for the website being temporarily unavailable.

From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

Unauthorised use of this website may give rise to a claim for damages and/or criminal offence.

Collection of Information

While you use this website personal information of yours may be either collected by us or provided by you. Personal information includes any information by which you can be identified and which relates to you as an identifiable individual such as your name and e-mail address.

Harbour & Associates may collect the following information:

  • Name and surname
  • Contact information including email address
  • Other information relevant to website usage

Usage of Information

We are not in the business of selling personal information and therefore we will not disclose your personal information to anyone except as provided in this policy. We may for marketing purposes disclose or transfer your personal information to our advertisers or business partners. It may be necessary for us to disclose or transfer your personal information to suppliers, affiliates or agents in order to provide you with our services. We will obviously need to disclose personal information to employees of ours who require such information to do their jobs. There may be situations where the law requires us to disclose your personal information. We co-operate with SARS, other authorities and attorneys if they are trying to trace you. In all other situations we will not disclose your personal information without giving you notice thereof and an opportunity to indicate that your personal information should not be disclosed.

Security of Personal Information

Whilst we cannot guarantee the absolute security of your personal information we take all reasonable steps or measures to keep it secure. We back-up all your personal information on a regular basis.


We sometimes use cookies. Cookies are programs that we transfer to your computer’s hard drive. They enable us to improve interactivity with the web site. The purpose of cookies is to enhance your future visits to our web site. You can set your browser to notify you if cookies are to be transferred or to reject cookies but this may prevent your use of some of our web pages.

Our advertisers may download cookies over which we have no control. If used, these cookies are downloaded when you click on an advertisement found on our website.

  • Third-party vendors, including Google, show our ads on sites across the Internet.
  • We and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on someone’s past visits to our website.

E- Mail Monitoring

We provide email addresses on the web site which enable you to contact us. In order to check for viruses we reserve the right to monitor and inspect all material and information transmitted over our system.

Do you want to leave your cart?

Your cart is awaiting your next purchase, so please proceed to the Home page and continue shopping. If you are leaving your cart because of problems, why not give us a call on our 24 hr numbers 063 866 8928 or 011 805 0030 (subject to load shedding)? If all else fails, call Derek, our CEO on 082 552 9696. We’ll do what we can to help