Money Life
Money Life
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Terms And Conditions

smart planning . smart spending . smart saving

  • Terms and Conditions ("Terms")

    Last updated: 21 July 2017

    Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the website, operated by Money.Life ("us", "we", or "our").

    Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

    By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

    1. Detailed description of goods and/or services

    Money.Life is a business in the financial education industry that focuses on educating teenagers and young adults as to the importance of smart planning, smart spending and smart saving.

    1. Purchases

    If you wish to purchase any product or service made available through the Service ("Purchase"), you may be asked to supply certain information relevant to your Purchase including, without limitation, your full name, contact details and banking details.

    1. Subscriptions

    Some parts of the Service are billed on a subscription basis ("Subscription(s)"). You will be billed in advance on a recurring monthly or annual basis (as selected).

    1. Delivery Policy

    Subject to availability and receipt of payment, requests will be processed within 5 working days and delivery confirmed by way of email.

    1. Return and Refund Policy

    Should you wish for us to refund your order, you may do so by informing Money.Life within 5 working days of receipt of order.

    Please confirm your intent to apply for a refund by contacting our offices within 5 working days of order. Client will be given a full refund within the 5 working day period. From the 6th working day onward, the client will not be able to apply for a refund. If you exercise your right to refund your order, any moneys due will be refunded within 20 working days and subject to these terms and conditions.

    1. Customer Privacy Policy

    Money.Life shall take all reasonable steps to protect the personal information of users. For the purpose of this clause, "personal information" shall be defined as detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA). The PAIA may be downloaded from:

    1. Payment Options Accepted

    Payment may be made via Visa and MasterCard.

    1. Cards Acquiring and Security

    Card transactions will be acquired for (Your Company) via PayGate (Pty) Ltd who are the approved payment gateway for all South African Acquiring Banks.PayGate uses the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no Card details are stored on the website. Users may go to to view their security certificate and security policy.

    1. Customer Details Separate from Card Details

    Customer details will be stored by Money.Life separately from card details which are entered by the client on PayGate’s secure site. For more detail on PayGate refer to

    1. Merchant Outlet Country and Transaction Currency

    The merchant outlet country at the time of presenting payment options to the cardholder is South Africa. Transaction currency isSouth African Rand (ZAR).

    1. Responsibility

    Money.Life takes responsibility for all aspects relating to the transaction including sale of goods and services sold on this website, customer service and support, dispute resolution and delivery of goods.

    1. Content

    Our Service allows you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material ("Content"). The Money.Life website gives you access to information about financial education related topics, Money.Life and its products and services.

    If you use this website, it means that you understand and accept the following information:

    • We have made every effort to make sure that information on this website is up to date and accurate. However, we still cannot guarantee the accuracy or validity of the information.
    • The content of the website is provided without any express or implied guarantee. In particular, we do not guarantee the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose; or that it or any hardware on which it is stored is virus-free.
    • We have made every effort to protect our website against viruses and other harmful code. However, we cannot promise you that our website is free of such viruses and code, which has the ability to corrupt or affect your system.
    • Unless stated differently, all content on this website remains the intellectual property right of Money.Life. This means that you are not allowed to use the content contained in web pages, electronic or written publications or any other media and/or words, phrases, names, designs or logos that are Money.Life trademarks without the expressed written permission of Money.Life.
    • Please be aware that content written by third-party contributors is not necessarily the opinion or view held by Money.Life. Any reliance you place on such information is therefore strictly at your own risk.
    • While every effort is made to ensure that the third party contributors write with integrity and ethical consideration, Money.Life cannot be held liable for incorrect or plagiarised information. We will not be held liable for any copyright infringements committed by the third party contributor concerned. However, Money.Life seeks to protect the integrity of its website. We therefore request any feedback on third party contributions to our site, the actual site itself as well as third-party websites.
    • Any calculations on our website serve only as a guideline or as an explanation to your personal circumstances. All costs displayed are based on estimates or averages and are not intended to be accurate, nor should be used as quoted pricing.
    • Information relating to educational institutions including, but not limited to schools, colleges and learning centres is publicly available. Any reliance you place on such information is therefore strictly at your own risk.
    • Any information available on this website does not constitute advice as defined in the Financial Advisory and Intermediary Services Act, 2002. It is your responsibility to get professional advice to determine whether any information taken from this website will suit your personal circumstances.
    • We are not legally responsible, in any way, for damages you may experience from using our website. This includes, but is not limited to, any direct, indirect, special or consequential loss suffered by you or any third party that may arise, directly or indirectly, to the use of, or reliance upon, any content displayed on the website, and that are provided by out third-party contributors.
    • We are committed to providing excellent service at all times. However, we are not responsible for technical issues related to interrupted, delayed, failed transmission or otherwise, storage or delivery of information due to a power failure, natural disaster, fire, labour unrest or any other cause beyond our control.
    • We have, in good faith, provided links that appear useful to all users of our website. This does not mean, however, that we support these websites or endorse the products and/or services offered on them. We accept no responsibility for the content or use of such websites or the information contained on them.
    • All information available on this website including information on products and services, and their terms and conditions, is subject to change without notice.
    • The views and opinions expressed on this platform, in posts or in comments, are the views and opinion of their writers and do not necessarily reflect the views, opinions, positions, or strategies of Money.Life or its management. Money.Life makes no representations as to the accuracy, completeness, suitability, or validity of any information on this platform and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from the same.
    1. Country of Domicile

    This website is governed by the laws of South Africa and Money.Life chooses as its domicilium citandi et executandi for all purposes under this agreement, whether in respect of court process, notice, or other documents or communication of whatsoever nature as : 4 Bronzite, Abrey Eco Park, 5 Abrey Road, Kloof, 3640.

    1. Links To Other Web Sites

    Our Service may contain links to third-party web sites or services that are not owned or controlled by Money.Life.

    Money.Life has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that Money.Life shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

    1. Variation

    Money.Life  may, in its sole discretion, change this agreement or any part thereof at any time without notice.

    1. Company Information

    This website is run by Northshore Trading 600 cc (close corporation) based in South Africa trading as Money.Life and with registration number 2007/161518/12 and Margaret Ann Whitten and Jacqueline Anne Drennan (Member(s))

    1. Money.Life Contact Details

    Company Physical Address: 4 Bronzite, Abrey Eco Park, 5 Abrey Road, Kloof, 3640


    Telephone: +27 31 764 1063

  • General Competition Terms

    1. The promoter of Money.Life competitions is Money.Life.
    2. If you enter one Money.Life's competitions, you agree to these terms and conditions.
    3. To qualify to enter this promotional competition you must be:
      1. a South African citizen or permanent resident in the Republic of South Africa;
      2. a member of the Money.Life subscription base.
    4. Each competition works differently, and starts and ends at different times; so the results depend on the specific competition rules, terms and conditions. Money.Life will not accept any late entries.
    5. Money.Life will announce the name of the prize-winner three working days after the competition closes. We will notify winners as specified for each competition. If, for whatever reason, we cannot get hold of you within three days of the first draw to let you know that you have won, we will conduct another draw and select a new winner from the remaining entrants.
    6. Directors, partners, employees, agents, consultants, suppliers or sponsors of Money.Life, its affiliated companies and/or agencies or members of their immediate family may not enter competitions unless otherwise specified. Separate terms and conditions will apply to staff competitions
    7. The prize is not transferable, exchangeable, may not be redeemed for cash, and if it is not taken up for whatever reason; it may be forfeited, a separate draw may take place, or it may be allocated to another winner, at Money.Life's discretion.
    8. Money.Life reserves the right to terminate any competition immediately and without notice, if required by the Minister of Trade and Industry, the National Consumer Commission, or for whatever other reason. In the event of this happening, participants agree to waive any rights they may have in this competition, and acknowledge that they will have no recourse against Money.Life or its agents.
    9. Money.Life, its directors, members, partners, employees, agents, consultants, suppliers, contractors and sponsors cannot be held responsible for any loss or damage, indirect or consequential, arising from an entrant's participation in this promotional competition, regardless of how it happens (whether from negligence or otherwise). The prize winner indemnifies Money.Life for any loss, damage, harm or injury(whether arising from negligence or otherwise) that may be made against Money.Life by any third party(including but not limited to suppliers or any other third parties) in connection with this promotional competition and the accompanying terms and conditions.
    10. Money.Life is not liable if any technical element relating to this promotional competition fails; including, but not limited to, instances where emails are not received, or not received on time.
    11. In the event of a dispute about any aspect of this promotional competition, or its terms and conditions, Money.Life's decision is final and binding and no correspondence will be entered into.
    12. Any violation or attempt to violate any of these rules will result in the immediate disqualification of the participant.
    13. A copy of the competition rules will also be made available at Money.Life’s head office.

    For more information about any of our competitions, or the terms and conditions that apply to them, please email us at

  • Privacy Policy

    Money.Life voluntarily subscribes to the principles set out in Section 51 of the Electronic Communications and Transactions Act, 2002 (under its Privacy Policy) to make sure that you are always protected when supplying us with personal information.

    1. Money.Life will not collect, collate process or reveal your personal information without your permission, unless we are legally required to do so.
    2. We will only electronically request, collect, collate process or store your personal information if it is lawful for us to do so.
    3. If we need your personal information, we will disclose the reason to you in writing. In addition, we will not reveal your personal information for any purpose other than the one we inform you of. We will also not give your personal information to a third party without your consent, unless we are legally required to do so.
    4. We will keep a record of your personal information for the purpose it is intended.
    5. We will make every effort to make sure that your personal information is kept confidential and secure, by storing it on our secure database.
    6. We keep all recorded financial information strictly confidential. This means that we will not disclose this information to any third party that has no right or title to it.
    7. We take reasonable and necessary precautions to secure your transactions on our website - however, we cannot guarantee the confidentiality of your transactions.
    8. Using this website is entirely at your own risk.
    9. Money.Life will not be held legally responsible for any personal information that you reveal to a third party, which may have a link on the website. It is important that you refer to that third party's privacy policy before you reveal any of your personal information. You agree that where you access third party websites you do so entirely at your own risk. Money.Life has no control over third-party websites and will not be liable for any loss or damage you suffer, whether directly or indirectly, as a result of your use of third-party websites. Neither does Money.Life endorse third-party websites, their content, products, services or the owners of these third-party websites.
    10. The Money.Life website, in conjunction with Google Analytics and Display Advertising (including but not limited to Remarketing, Google Display Network Impression Reporting, DoubleClick, and Google Analytics Demographics and Interest Reporting services) makes use of cookie and tracking technology. Cookies are files saved on your hard drive that gather anonymous data about your interaction with our website. This allows the Money.Life website to recognise you on each visit. This technology is useful for gathering information, such as the type of browser and operating system you use. Personal information cannot be collected via cookie technology and your details are never sold to any third party. Access to and use of the data provided by Google and the aforementioned services assists us in delivering advertising and content that is more relevant to you and your interests. The collection and usage of this data can be disabled at any time by visiting and changing your preferences. More information about this can be found at
    11. Money.Life, may use your information for marketing purposes within Money.Life and may send you promotional material or information that may be of interest to you.
    12. Our privacy policy may be amended from time to time without any notice to you. Every time you use our website, you are automatically bound to the privacy policy that is current at that moment.
  • Refund Policy

    We strive our best to ensure that our clients are fully satisfied with the product(s) however in the unlikely event that the product(s) is unsuitable or that you are not fully satisfied please follow the returns procedure below.

    Refund Subscription(s)

    Should you wish for us to refund your order, you may do so by informing us within 5 working days of receipt of order.

    Please confirm your intent to apply for a refund by contacting our offices within 5 working days of order. Client will be given a full refund within the 5 working day period. From the 6th working day onward, the client will not be able to apply for a refund.

    If you exercise your right to refund your order, any moneys due will be refunded within 20 working days and subject to these terms and conditions.

    Consumer Protection Act No. 68 of 2008 (CPA)

    South African CPA laws shall supersede any Money.Life terms and conditions which conflict with the Act or any other laws in the Republic of South Africa.

    Electronic Communications and Transactions Act No. 25 of 2003 (ECT Act)

    South African ECT laws shall supersede any Money.Life data privacy policies which conflict with the Act or any other laws in the Republic of South Africa.

    Protection of Personal Information Act No. 4 of 2013 (POPI Act)

    South African POPI laws shall supersede any Money.Life data privacy policies which conflict with the Act or any other laws in the Republic of South Africa.

Money Life

Without proper education around smart planning and smart spending,
the children of today run the risk of becoming financially irresponsible in the future.

Web Based App

We have developed Money Life as an online web based application which allows parents to educate their children as to the value and the importance of money using their own money in a cashless society. The Money Life application allows parents to create budget categories and to set budget amounts with their children for each of the different categories.

  • 1

    From early teens
    to college students

  • 1

    Access the app
    anywhere on mobile

  • 1

    Integrate with
    bank account

  • 1

    Prep the next generation
    for financial success


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