Terms of Service

Last updated: 27 August 2026

These Terms of Service ("Terms") govern your access to and use of the Xenliv Business Hub website and application (the "Service"), operated by MRB Ventures (Pty) Ltd, Registration number 2025/860877/07 ("Xenliv", "we", "us"). By creating an account or using the Service, you agree to these Terms.

1. The Service

Xenliv is a business management platform for South African sole proprietors and companies, providing tools for invoicing, quotes, client management, expenses, income tracking, inventory, payroll, and tax estimation.

2. Eligibility and Accounts

You must be at least 18 years old and legally able to enter into a binding contract to use the Service.
You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.
You must provide accurate information when creating your account and keep it up to date.

3. Free Trial and Subscriptions

New accounts receive a 14-day free trial with full access to the Service, no card required.
After the trial period, accounts that have not subscribed to a paid plan will be moved to a restricted free tier with reduced usage limits (as described on our Pricing page).
Paid subscriptions are billed monthly in advance via PayFast, in South African Rand.
Prices are subject to change with reasonable prior notice to subscribers.
You may cancel your subscription at any time; cancellation takes effect at the end of the current billing period, and no partial refunds are provided for unused time unless required by law.

4. Your Data and Content

You retain ownership of all business data you enter into the Service (clients, invoices, financial records, etc.).
You are solely responsible for the accuracy and legality of the data you input, including data relating to your own clients and employees.
You grant Xenliv a limited licence to store, process and display your data solely for the purpose of providing the Service to you.
You are responsible for complying with applicable data protection laws (including POPIA) with respect to personal information you process using the Service.

5. Tax and Financial Calculations, Important Disclaimer

Xenliv provides tax and financial estimates (including income tax, PAYE, UIF, VAT and Small Business Corporation calculations) based on publicly available SARS-published brackets, rebates and rates. These figures are estimates for planning purposes only and do not constitute tax, legal or financial advice. See our full Tax Disclaimer for detail. You remain responsible for verifying all figures with SARS or a registered tax practitioner/accountant before filing or relying on them for any official purpose.

6. Acceptable Use

You agree not to:

Use the Service for any unlawful purpose or to process data you don’t have a lawful right to process
Attempt to gain unauthorised access to the Service, other accounts, or our infrastructure
Interfere with or disrupt the integrity or performance of the Service
Reverse engineer, resell, or white-label the Service without our written consent

7. Availability and Changes to the Service

We aim to keep the Service available but do not guarantee uninterrupted access. Scheduled maintenance and unforeseen downtime may occur.
We may modify, add to, or remove features of the Service from time to time. We will provide reasonable notice of material changes where practicable.

8. Suspension and Termination

We may suspend or terminate your account for breach of these Terms, non-payment, or suspected fraudulent or unlawful activity.
You may close your account at any time. Upon termination, we will handle your data in accordance with our Privacy Policy and applicable retention obligations.

9. Limitation of Liability

To the maximum extent permitted by law:

The Service is provided "as is" without warranties of any kind, express or implied.
Xenliv is not liable for any indirect, incidental, or consequential damages arising from use of the Service, including but not limited to reliance on tax or financial estimates generated by the Service.
Xenliv’s total liability for any claim arising from use of the Service is limited to the amount you paid us in the 12 months preceding the claim.

Nothing in these Terms limits liability that cannot be excluded under South African law.

10. Indemnity

You agree to indemnify Xenliv against any claims, losses, or damages arising from your breach of these Terms, your misuse of the Service, or your violation of any law or third-party right (including in relation to data of your own clients or employees).

11. Governing Law

These Terms are governed by the laws of the Republic of South Africa. Disputes will be subject to the jurisdiction of the South African courts.

12. Changes to These Terms

We may update these Terms from time to time. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

13. Contact

Questions about these Terms can be sent to: xenliv.store@gmail.com

This document is a working draft prepared for legal review. It has not yet been reviewed by a qualified attorney and should not be published or relied upon until it has been.