Terms of Service

These terms govern your use of coinfig.tax and the Coinfig application, operated by Silver Sixpence (Pty) Ltd (“Coinfig”). By creating an account or using the service you agree to these terms.

The service

Coinfig imports your crypto transaction history from the exchanges, wallets and files you connect, and calculates a tax position to help you prepare a return. You are responsible for the accuracy and completeness of the data you connect.

Not tax advice

Coinfig is software, not a registered tax practitioner. Our reports are a tool to assist you and your advisor; they do not constitute tax, legal or financial advice. You remain responsible for your own filings with SARS or any other authority. [REVIEW: legal — confirm disclaimer wording.]

Subscriptions and payment

[REVIEW: legal — new subscription/proration/minimum-charge wording.]

Coinfig is sold as an annual subscription. The workspace, including imports, transaction editing, calculations, balances per source, the Data Completeness Score and all preferences, is available on every plan. The basic filing-support tax report is included on every plan, for every tax year, within that plan’s data allowance. The plans are:

• Free (R0). Available only where you reach Coinfig through a trusted partner we have an arrangement with. It covers one account that the partner connects and keeps in sync for you, and up to 100 transactions in total. It does not include other report types, raw data exports, an accountant link or the Xero export. Creating an account on your own, or adding your own connection, does not qualify for the free plan.
• Starter. R190 per year, or $15 per year outside South Africa. Any import method, up to 1,000 transactions in total and up to 5 data sources, and raw transaction data exports.
• Advanced. R2,500 per year, or $139 per year outside South Africa. Unlimited transactions and data sources, every report type including the audit report, the accountant link, the Xero export, the ability to ring-fence sources into separate pools, and priority support.

[REVIEW: legal — confirm the trusted-partner qualifying condition for the free plan can be described this way without naming individual partners, and that withdrawal of a partner arrangement is adequately covered by the change-of-terms clause below.]

If your data exceeds your plan’s allowance, or you ask for something your plan does not include, report generation, exports and final tax figures are locked until you upgrade or reduce your data. Your imported data is retained. Nothing is deleted.

Plans, prices and allowances published before 18 August 2026 continue to apply to purchases made under them. If you hold an active subscription bought under an earlier plan, you keep the price and the data allowances you purchased for as long as that subscription remains active and renewing, even where the current published plan of the same name is priced differently or allows less. Tax years already licensed under an earlier plan stay licensed on the terms they were bought on. The plans above apply to new purchases and to upgrades. [REVIEW: legal — confirm this grandfathering wording, the point at which a lapsed and re-purchased subscription moves to current terms, and whether the renewal price of a grandfathered subscription may be held at the purchased price indefinitely.]

Each paid subscription permanently entitles you to the tax years it covered. If your subscription later lapses, you keep access to view and download the reports for those covered years, at the plan level you paid for. A Starter year stays within Starter coverage. A covered tax year also keeps earlier years available, in line with our existing licence convention. New tax years after a lapse need an active subscription again. This means you can still retrieve the reports you paid for if SARS audits you, even if you have not renewed. [REVIEW: legal — confirm retained per-tax-year access on lapse, plan-level scope, and the convention that a covered year also unlocks earlier years.]

Fees are shown at checkout. South African users are billed in Rand through PayFast (card or EFT). Users elsewhere are billed in US Dollars by card through Stripe. Subscriptions renew automatically each year at the then-current plan price. If you upgrade part-way through a period, we charge a pro-rata amount for the remainder of that period and bill the new plan in full at renewal. A pro-rata remainder under R20 is waived.

Promotional or partner discount codes apply to your first purchase only, and renewals are charged at full price. No transaction settles below R20 (or $1), and a discount cannot reduce a subscription to no charge.

Each subscription is tied to the account of the person whose data it covers and cannot be transferred to another account. Someone else, such as your accountant or tax practitioner, may pay for your subscription on your behalf, and you may also pay for it yourself. Paying for someone else’s subscription does not transfer it. The entitlement stays with the account whose data it covers. Accountants do not need their own subscription to manage client data they have been given access to. They need a personal subscription only for their own personal tax reports. Linking an accountant to a client account, and keeping that link active, requires the client account to be on the Advanced plan. Either the client or the practice may pay for it. [REVIEW: legal — confirm per-user non-transferability alongside third-party payment by an accountant, that an accountant needs a subscription only for their own personal reports, and that an existing accountant link may be suspended if the client account is no longer on Advanced.]

Users who previously purchased a per-tax-year licence or a legacy annual subscription keep Advanced-level access to the tax years their purchase covered, plus all earlier years, permanently. This mirrors how an Advanced-covered year works for current plans. They do not keep access to future tax years. Once a legacy paid period ends, or for a one-off year licence beyond the year bought, any new tax year needs an active subscription like any other user. A legacy annual subscription that is still active and renewing keeps its access while it remains paid. [REVIEW: legal — this narrows previously published legacy wording from unlimited evergreen access to year-scoped Advanced-level access, so counsel must confirm the change is permissible for existing customers under the CPA and consumer-protection law.]

[REVIEW: legal — refund and cancellation terms.]

Acceptable use

• Connect only accounts and wallets you are entitled to access.
• Do not attempt to disrupt, reverse-engineer or gain unauthorised access to the service.
• Do not use the service for any unlawful purpose.

Availability and liability

We work to keep the service available and accurate but provide it on an “as is” basis. To the extent permitted by law, our liability is limited as set out here. [REVIEW: legal — limitation of liability.]

Changes

We may update these terms from time to time. Material changes will be communicated, and continued use means you accept the updated terms.

Contact

Questions about these terms? Email[email protected].