Legal
Effective date: 1 March 2026 · Operated by Be Relevant (Pty) Ltd
CalmCash is an educational financial management tool. It is not a Financial Services Provider (FSP) and is not licensed under FAIS. Always consult a registered tax practitioner for advice specific to your situation.
Nothing on CalmCash constitutes financial advice as defined under the Financial Advisory and Intermediary Services Act 37 of 2002 ("FAIS"). Be Relevant (Pty) Ltd is not a Financial Services Provider (FSP) and is not licensed or authorised by the Financial Sector Conduct Authority (FSCA) to provide financial advice or intermediary services.
AI-generated reports and tax guidance are based on publicly available South African legislation, SARS interpretation notes, and binding general rulings. They do not constitute tax advice from a registered tax practitioner as defined under the Tax Administration Act 28 of 2011. Tax positions may vary significantly based on your specific circumstances, entity structure, and transaction history.
Nothing on this Platform constitutes legal advice. Content referencing legislation is provided for educational purposes only. Consult a qualified attorney for legal matters.
Reports are generated by artificial intelligence using information you provide through the intake questionnaire. The accuracy of your report depends entirely on the accuracy and completeness of your intake data. AI systems can make errors, misinterpret legislation, or produce outdated information. Always verify all figures, calculations, and legislative references with a qualified accountant before acting on them.
CalmCash references South African Revenue Service (SARS) legislation and processes including the Income Tax Act 58 of 1962, the Value-Added Tax Act 89 of 1991, the Tax Administration Act 28 of 2011, and relevant SARS interpretation notes. Tax legislation, rates, and thresholds change regularly. Always verify current information at www.sars.gov.za or with a registered tax practitioner.
Financial scenarios and projections generated by the Scenario Planning tool are illustrative only. They are based on simplified mathematical models using publicly available tax tables and statutory rates. Actual tax outcomes may differ materially due to factors including but not limited to: anti-avoidance provisions, SARS audit adjustments, provisional tax estimates, and entity-specific circumstances.
Use of CalmCash does not guarantee tax savings, improved financial performance, SARS compliance, or any specific financial outcome. Results depend entirely on your implementation of recommended actions, the accuracy of your financial data, and factors outside our control.
We strongly recommend that all users consult the following professionals before implementing any strategy suggested by CalmCash: