Disclaimer | SA Property Tools

Last updated: May 2026

General Information Only — Not Professional Advice

All content, calculators, tools, guides, blog posts, and resources published on SA Property Tools (sapropertytools.co.za) are provided for general information and educational purposes only. Nothing on this website constitutes or should be construed as financial, legal, tax, investment, accounting, or professional advice of any kind.

No Financial Advice

The calculators and tools on this website perform mathematical calculations based on the inputs you provide and publicly available data (such as SARS tax brackets, SARB prime lending rates, and NHFC subsidy tables). The results are estimates only. They do not take into account your full financial position, risk profile, investment objectives, tax circumstances, or any other factors specific to your situation.

You should not make any financial or investment decision based solely on the output of any calculator or tool on this website. Before making any property investment, financing, or related financial decision, you should consult a qualified and registered financial adviser, bond originator, or other relevant professional.

No Legal Advice

Content relating to South African law — including the Rental Housing Act, Consumer Protection Act, Income Tax Act, Transfer Duty Act, and any other legislation — is provided for general information only. Legal requirements change and may vary by municipality, province, or individual circumstances. Nothing on this website constitutes legal advice.

The Rental Agreement Generator produces a general template only. It does not constitute legal advice and should not be used as a substitute for advice from a qualified attorney familiar with your specific circumstances. SA Property Tools accepts no responsibility for any legal consequences arising from the use of documents generated on this website.

No Tax Advice

Content and calculators relating to South African taxation — including transfer duty, capital gains tax, Section 13sex deductions, Section 12B solar deductions, and any other tax provisions — are based on publicly available SARS information current at the time of publication. Tax law changes frequently. Always verify current rates and rules with SARS or a registered tax practitioner before submitting any tax return or making tax-related decisions.

Accuracy of Information

We make every reasonable effort to ensure the information on this website is accurate and up to date. However, we make no representations or warranties of any kind — express or implied — about the completeness, accuracy, reliability, suitability, or availability of any information, tool, or related content. Any reliance you place on information from this website is strictly at your own risk.

Limitation of Liability

SA Property Tools, its owners, contributors, and affiliates accept no liability whatsoever for any loss or damage — including direct, indirect, incidental, consequential, or punitive loss — arising from your use of this website, your reliance on any calculator output or written content, or any decisions made based on information found on this website.

Affiliate Disclosure

SA Property Tools may earn a referral fee from certain third-party services linked from this website, including bond originators and other financial service providers. Such links are clearly identified with "affiliate disclosure" notices. Affiliate relationships do not influence the content of our calculators, tools, or editorial content. We only link to services we believe are legitimate and relevant to our users.

External Links

This website contains links to external websites including government portals (SARS, NHFC, SARB), financial institutions, and other third-party resources. These links are provided for convenience only. SA Property Tools has no control over the content of external websites and accepts no responsibility for the accuracy, legality, or appropriateness of any content found there.

Data and Privacy

All calculations performed on this website are done entirely in your browser. No calculation inputs or results are stored on our servers or transmitted to third parties. For full details on how we handle data and cookies, see our Privacy Policy.

Changes to This Disclaimer

We reserve the right to update this disclaimer at any time. Changes will be reflected by updating the "Last updated" date above. Continued use of this website after any changes constitutes your acceptance of the updated disclaimer.

Contact

If you have any questions about this disclaimer, please contact us.

In summary: SA Property Tools provides free educational tools and general information for South African property investors. We are not financial advisers, attorneys, or tax practitioners. Always consult qualified professionals before making property investment, financing, or legal decisions. Use our tools to inform and educate yourself — not as a substitute for professional advice.