Terms & Conditions

Business Plan Now – Terms and Conditions

Effective Date: 13 August 2025

Business Plan Now is a division of Sierra Joe Holdings (Pty) Ltd, an investment company based in South Africa. By purchasing, downloading, or using any products from businessplannow.co.za, you agree to these Terms and Conditions, as well as the Sierra Joe Holdings General Terms of Use available at https://sierrajoe.com/terms/. Where there is a conflict between these Terms and the Sierra Joe Holdings General Terms, these Terms will apply specifically to Business Plan Now products and services.

By agreeing to these Terms and Conditions, you also consent to our use of cookies.

Business Plan Now is a publisher of sample/template business plans and other business documents in Word format. We are not a law firm and do not provide legal advice.

1. Licence and Use of Documents

1.1 All documents available for download are licensed for personal or business use only and must be adapted to meet your specific requirements.
1.2 We strongly recommend obtaining independent legal or professional advice before using any template.
1.3 No document is provided on the basis that it is fit for a specific purpose or legally valid in any jurisdiction. All liability for such matters is excluded to the extent permitted under South African law.
1.4 Copyright in all documents belongs to Business Plan Now. You are granted a non-exclusive, non-transferable licence to:

  • Make copies of the document for your own business purposes.
  • Modify the document for your business needs.

You may not:

  • Sell, lease, sub-license, loan, distribute, or otherwise transfer our documents to third parties.
  • Publish our documents or extracts online or in any public resource without our prior written consent (except when using them in your business).
  • Use our documents in any way that conflicts with the interests of Business Plan Now.

2. Special Usage

2.1 If you wish to use a document more than 15 times or for any unusual purpose (e.g., in a training programme or as a precedent for third parties), you must obtain prior written consent from us.
2.2 Special usage may incur an additional fee, at the sole discretion of Business Plan Now directors.

3. Customisation Services

3.1 We may, at our discretion, accept orders to produce or adapt a template to your written instructions.
3.2 Any work performed will carry the same liability limitations as set out in Clause 1.

4. Delivery and Refunds

4.1 All documents are supplied in Microsoft Word format. It is your responsibility to ensure you can open and edit this format.
4.2 Delivery occurs when our system generates a unique document identification number and makes the file available for download after payment confirmation via PayGate (Pty) Ltd.
4.3 Prices are all-inclusive, with no additional delivery charges.
4.4 If a purchased document is not delivered due to a system error, you will receive a full refund within 30 days of payment.
4.5 We cannot refund purchases where incorrect email details were supplied, but we will resend the document to an alternative verified email address within 72 hours of notification.
4.6 Requests for refunds must be made within 72 hours of purchase and sent to mail@businessplannow.co.za, including full details of your concern.

5. Permitted Use of Business Plans

5.1 You may use a business plan template more than once to seek financial support or investment for your business.
5.2 Conference, educational, or training use requires prior written consent and may incur additional charges.
5.3 You may not distribute templates except where necessary to secure funding or support for the specific business described in the plan.
5.4 You must not remove, change, or obscure copyright notices, proprietary rights notices, or contact identifiers from our documents.

6. Warranties and Liability

6.1 Business Plan Now provides all documents “as is” without warranties or conditions of any kind, express or implied, including merchantability or fitness for a particular purpose.
6.2 It is your responsibility to ensure the suitability of any template for your needs.
6.3 In no event will Business Plan Now or its directors be liable for any direct, consequential, or special damages arising from use of a document.
6.4 Where liability cannot be excluded by law, our maximum liability will not exceed the amount paid by you for the relevant document.
6.5 These terms do not exclude statutory consumer rights under applicable South African law.

7. Payment and Security

7.1 Payment may be made via Visa, MasterCard, or EFT to Business Plan Now’s bank account (details provided upon request).
7.2 Credit card transactions are processed by Payfast (Pty) Ltd, using SSL3 encryption. No card details are stored by us.
7.3 Customer details are stored separately from payment details.

8. Legal Jurisdiction

8.1 These Terms are governed by and interpreted in accordance with the laws of the Republic of South Africa.
8.2 Regardless of your location, you agree to comply with all applicable South African laws when using our website or services.

9. Trademarks

Microsoft Word is a registered trademark of Microsoft.