Terms of Service

Effective date: 5 November 2026 Last updated: 5 November 2026

These terms are an agreement between Silver Horizon Digital ("we", "us") and the business that signs up for QuoteBalance ("you", the "subscriber"). QuoteBalance is a web app and installable web app (PWA) for creating quotes, tracking jobs and sending invoices, offered at quotebalance.co.za.

By creating an account or using QuoteBalance, you agree to these terms, our Privacy Policy and our Acceptable Use Policy. If you don't agree, don't use QuoteBalance.

Seller information required by section 43 of the Electronic Communications and Transactions Act (ECTA) is on our Seller information page. The seller is Ryan Bradley Roby trading as Silver Horizon Digital, 11 Balvicar Road, Blairgowrie, Randburg, 2194, Gauteng, South Africa.

1. Who can use QuoteBalance

• QuoteBalance is for businesses, including sole traders, partnerships and companies, using it for their trade or service work. It is not meant for personal or household use.
• You must be at least 18 and able to enter into a binding contract. If you sign up for a business, you confirm that you're authorised to bind it.
• You must give accurate sign-up details and keep them up to date.
• You're responsible for everything done under your account, including by users you invite. Keep your password private and turn on two-factor authentication when it is available to you. Tell us straight away at [email protected] if you think someone has accessed your account without permission.
• At launch QuoteBalance is offered in South Africa only.

2. Plans, billing and payment

• Plans. Current plans, prices and limits are on our pricing page. At launch these are Free (1 user, 10 quotes and invoices a month), Solo (R149 a month) and Team (R299 a month for up to 5 users). A founding offer of Solo at R99 a month, locked for 12 months, is available to the first 50 businesses to subscribe to Solo. After 12 months, the price moves to the standard Solo price then in effect, and we'll email you at least 30 days before.
• Free plan. The Free plan has the limits shown on the pricing page. We may change or withdraw the Free plan with at least 30 days' notice. If we do, you can export your data before the change.
• Paid plans. Paid plans are billed in advance in South African rand (ZAR), monthly, through our payment provider Paystack. Your subscription renews automatically until you cancel. We don't see or store your full card details; Paystack handles them.
• VAT on our fees. Subscription prices are not subject to VAT because Silver Horizon Digital is not a registered VAT vendor. If we register for VAT in future, VAT will be added to our prices, with notice under the price-change clause below.
• Price changes. We'll give you at least 30 days' notice by email before a price change affects you. The new price applies from your next billing date after the notice period. If you don't accept it, you can cancel before then.
• Failed payments. Our payment provider doesn't automatically retry failed charges. If a payment fails, we'll email you when it fails and again before day 14, so you can update your card or pay through a secure link. You keep paid features until 14 days after the failed charge. If it is still unpaid by then, your account is moved to the Free plan. Paying the amount due restores your plan. We won't delete your data for non-payment without notice (see section 9).

3. Cancellation and refunds

• Cancel anytime. You can cancel a paid plan in your account settings or by emailing us. Monthly plans stop at the end of the period you've paid for, and we don't refund part-months.
• Cooling-off. QuoteBalance is sold to businesses. Even so, if you are a natural person (for example a sole trader) and ECTA section 44 applies to your purchase, you may cancel within 7 days after the transaction without reason or penalty, and we will refund what you paid within 30 days. If you're unsure whether this applies to you, ask us and we'll treat a cancellation within 7 days of the first charge for a paid plan as covered.
• Consumer Protection Act (CPA). The CPA generally doesn't protect juristic persons (such as companies) whose asset value or annual turnover is at or above the threshold set by the Minister. Nothing in these terms limits any right you have under the CPA or ECTA that can't lawfully be excluded.
• Our full refund and cancellation policy is at /refunds.

4. Your quotes, invoices, prices and tax

QuoteBalance is a tool. You are responsible for the documents you create and send with it, including: - the prices, descriptions, quantities, deposits, terms and validity periods on your quotes and invoices; - whether you are a VAT vendor, the VAT rate (QuoteBalance defaults to 15% but you can change it), and whether you show VAT at all. Non-VAT-registered businesses must not charge VAT or call a document a "tax invoice"; - meeting the requirements of the VAT Act (including section 20 for tax invoices), the Consumer Protection Act (including section 15 on estimates, where it applies) and any other law that governs your trade; - the work you quote for, and your agreement with your own customer. We are not a party to it; - checking totals and documents before you send them. We aim for accurate calculations but don't give tax, accounting or legal advice.

Payments to you. If you connect your own PayFast account, your customers pay you directly through PayFast under PayFast's terms with you. We never hold your customers' money and are not the merchant of record for your sales. PayFast's fees and payout rules are between you and PayFast. Payment status in QuoteBalance relies on PayFast's notifications and on what you record manually, so check your PayFast account for the definitive position.

5. Your data and our licence to use it

• Your content (your business details, clients, price book, quotes, jobs, invoices, logos and notes) stays yours.
• You give us a limited, non-exclusive licence to host, copy, process and display your content only to run, secure, support and improve QuoteBalance for you, and as section 10 describes.
• We may use aggregated, de-identified usage statistics (for example, how many quotes are sent) to run and improve QuoteBalance. These won't identify you, your customers or any person.
• You confirm you have the rights to the content you upload, including any logos.

6. Our intellectual property

QuoteBalance, its software, design, templates, brand and documentation belong to Silver Horizon Digital or its licensors. While you're subscribed and follow these terms, we give you a limited, non-exclusive, non-transferable right to use QuoteBalance for your own business. You may not copy, modify, reverse-engineer (except where the law allows), resell or sub-license QuoteBalance. If you send us feedback or ideas, we may use them without obligation to you.

7. Availability and support

• We work to keep QuoteBalance available and secure, but it is provided "as is" and "as available". We don't offer a service level agreement (SLA) or guarantee uninterrupted or error-free service.
• We may carry out maintenance, which we'll try to schedule outside South African business hours and announce in advance where practical. We will post service status updates by email and on this website.
• We may change or remove features. If we remove a major feature you pay for, we'll tell you in advance and you may cancel and receive a pro-rata refund of any prepaid fees for the unused period.
• Support is by email at [email protected] during South African business hours, on a best-effort basis.
• Keep your own copies of important documents. You can export your data at any time (section 9).

8. Liability

• To the extent the law allows, we aren't liable for indirect or consequential loss, including lost profit, lost jobs, lost data or reputational harm, or for loss caused by your own pricing, VAT or quoting errors, by Paystack or any other payment provider or third-party service you connect, or by events outside our reasonable control (including load-shedding, network outages and provider failures).
• To the extent the law allows, our total liability to you for all claims in any 12-month period is limited to the greater of the fees you paid us in the 12 months before the claim and R1,000.
• Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud, intentional wrongdoing or gross negligence, or any right you have under the CPA or ECTA that can't be waived.
• You'll compensate us for reasonable losses and costs from third-party claims caused by your content, your quotes or invoices, your breach of these terms or the Acceptable Use Policy, or your breach of the law (including POPIA).

9. Ending the agreement, export and deletion

• You can close your account at any time from your settings.
• We may suspend or close your account if you seriously or repeatedly breach these terms or the Acceptable Use Policy, don't pay, or if the law requires it. Unless the breach is serious or urgent (for example fraud, spam or a security risk), we'll warn you first and give you a reasonable time to fix it.
• Export. While your account is active you can export your data (CSV and full account export). After closure or termination you have 30 days to ask for an export, unless we closed the account for a serious breach or the law prevents it.
• Deletion. After that period we delete your content, including your customers' personal information, from the live system, and it drops out of our backups within 35 days. We keep only what the law requires us to keep, such as our own billing records (see the Privacy Policy).
• Sections 4, 5 (de-identified statistics), 6, 8, 10 (return, deletion and confidentiality) and 13 survive termination.

10. Data processing (POPIA operator terms)

This section is the written contract required by sections 20 and 21 of the Protection of Personal Information Act, 2013 (POPIA).

10.1 Roles. For the personal information of your customers and contacts that you put into QuoteBalance (for example names, phone numbers, email and street addresses, job details and the record of a customer viewing or accepting a quote, including the time and IP address) ("Customer Data"): - you are the Responsible Party; and - Silver Horizon Digital is your Operator.

For your own account, billing and contact details, we are the Responsible Party, as our Privacy Policy explains.

10.2 Your instructions. We process Customer Data only to provide QuoteBalance to you, on your documented instructions (these terms, your settings and how you use the app), and as required by law. If the law requires other processing, we'll tell you first unless the law forbids it. We will not sell Customer Data or use it for our own marketing.

10.3 Confidentiality (s20). We treat Customer Data as confidential and don't disclose it except as these terms allow or the law requires. Only people who need access to run or support QuoteBalance get it, and they are bound by confidentiality.

10.4 Security (s19, s21). We maintain reasonable technical and organisational measures to protect Customer Data against loss, damage, and unauthorised access or processing. These include encrypted (HTTPS/TLS) connections, access limited by role and by business, separation of each business's data, encryption of stored payment-provider credentials and banking details, backups and monitoring. We review these measures as risks change.

10.5 Security compromises (s21(2), s22). If we have reasonable grounds to believe Customer Data has been accessed or acquired by an unauthorised person, we will notify you without undue delay and in any event within 72 hours of becoming aware, with the information we have, and help you meet your own notification duties to the Information Regulator and the affected people under section 22.

10.6 Sub-processors. You authorise us to use the sub-processors listed in our Privacy Policy to provide QuoteBalance. We'll bind each one to written terms that protect personal information to a standard no lower than this section. We'll give at least 30 days' notice of a new sub-processor by email or in-app. If you have a reasonable data-protection objection, you may cancel and receive a pro-rata refund of prepaid fees. We remain responsible to you for our sub-processors' processing.

10.7 Cross-border transfers (s72). Our main database is hosted in South Africa, by Google Cloud in its Johannesburg region. Some sub-processors may process Customer Data outside South Africa. We will transfer it only as section 72 allows, mainly under binding data processing agreements that give protection substantially similar to POPIA.

10.8 Helping you. Taking into account what QuoteBalance does, we'll give reasonable help with: - requests from your customers to access, correct or delete their information (POPIA ss23–25). If a request comes to us directly, we'll pass it to you rather than answer it ourselves, unless the law requires otherwise; - your security, breach-notification and impact-assessment obligations; and - enquiries from the Information Regulator about Customer Data.

10.9 Return and deletion. When your account closes we return Customer Data through the export described in section 9, then delete it as section 9 describes, unless the law requires us to keep it.

10.10 Your promises. You confirm that: - you have a lawful basis under POPIA (section 11) to collect Customer Data and to have us process it for you; - you tell your customers how you use their information, including that you use a third-party tool to prepare and send quotes and invoices (section 18); - any messages you send through or from QuoteBalance, by WhatsApp, email, SMS or any other channel, are lawful. Quotes, invoices and reminders about work the customer asked for are transactional. Direct marketing must comply with section 69 of POPIA (opt-in consent, or an existing customer with an opt-out in every message); - you won't upload special personal information (such as health, religion or criminal records) or children's information unless you need it for the job and have a lawful basis; and - you'll keep your users' access appropriate and remove people who no longer need it.

10.11 Audit. On reasonable written request, no more than once a year (except after a security compromise), we'll answer reasonable questions about our data protection measures in writing.

11. Acceptable use

Your use of QuoteBalance must follow our Acceptable Use Policy, which forms part of these terms.

12. Changes to these terms

We may update these terms. For material changes we'll give at least 30 days' notice by email or in the app before they take effect, unless the change is needed sooner by law or for security. If you continue using QuoteBalance after a change takes effect, the new terms apply. If you don't agree, you can cancel before then, and any prepaid fees for the unused period of a paid plan will be refunded pro rata.

13. General

• Governing law. These terms are governed by the laws of the Republic of South Africa. Disputes may be brought in the Magistrate's Court for the district where you live or work.
• Notices. We'll send notices to the email address on your account. Send notices to us at [email protected]. Formal legal notices (domicilium) go to 11 Balvicar Road, Blairgowrie, Randburg, 2194, Gauteng, South Africa.
• Transfer. You may not transfer your account without our written consent. We may transfer these terms if QuoteBalance or Silver Horizon Digital's business is transferred, including to a company we form for it, provided your rights aren't reduced.
• Whole agreement. These terms, the Privacy Policy, the Acceptable Use Policy and the pricing page are the whole agreement about QuoteBalance. If a provision is invalid, the rest still applies. Our not enforcing a right isn't a waiver.
• Contact. [email protected] or 079 529 7545. Privacy questions: the Information Officer at [email protected].