Terms of Service

By purchasing from Kayo Digital you agree to these terms.

Licence

You receive a personal, non-exclusive licence to use the digital product for your own purposes. You may not resell, redistribute, or share the files or licence keys.

Delivery

Products are delivered digitally via download link and email immediately after successful payment.

Payments

Payments are processed securely by Netcash, a South African payment provider. We never store your card details.

Liability

Products are provided "as is". Kayo Digital is not liable for outcomes from use of the templates (e.g. job applications, tax submissions). Always verify against official requirements.