Effective 18 October 2026 · Version 2026-10-18 · Vanta, a division of Vanguardtech
Terms and Conditions
Clear terms for personal budgeting, family permissions, reports, document storage and subscriptions in South Africa.
1. Who provides Vanta
Vanta is provided by Vanguardtech (Pty) Ltd, registration 2024/004915/07, at the address above. The company supplies the service directly and receives subscription payments for its own service. Contact info@vanguardtech.co.za for service, payment or policy enquiries. A business user must have authority to act for that business.
2. Your account, service and records
Vanta provides manual budgeting, income and payslip deductions, expenses, savings, goals, plans, debt tracking, assets, policy records, a document vault, reports and reminders according to your plan. Business budgeting uses a separate workspace. Limits and prices are displayed before purchase. Free does not unlock every paid tool.
Keep your full name, cell number and email accurate. New registrations verify an email PIN. Protect your password, authenticator and recovery codes. Only enter information you are entitled to use, including information about family members, beneficiaries or businesses.
Budget entries, tax deductions, contributions and balances come from the information entered into the app. Vanta does not connect to your bank, pay a lender, submit taxes, administer insurance or execute investments. Forecasts and guidance are planning estimates, not guarantees, regulated financial advice, legal advice or audited statements. Confirm important figures with the relevant provider or qualified professional.
4. Monthly subscriptions, coupons and cancellation
Prices are in South African rand and shown for review before confirmation. Paid subscriptions are monthly. A recurring payment starts only through the PayFast agreement presented at checkout. Vanta activates a paid purchase after server verification; a payment-return page alone does not establish activation.
A percentage coupon discounts the initial payment unless stated otherwise; the renewal amount is shown separately. A free-month coupon grants the stated period without an automatic charge. A lifetime coupon has no scheduled expiry for its named plan under its redemption terms, while the service remains available; it does not promise that the service will operate forever or include every future plan or add-on.
Cancel recurring billing through My subscription or contact support. Cancellation takes effect after confirmation by PayFast; a failed request must be followed up. Confirmed paid access normally continues to its expiry. Uninstalling the app, leaving a family or stopping use does not cancel a payment agreement. See the Refund and Cancellation Policy, including the voluntary seven-day first-payment offer and applicable statutory rights.
5. Documents, reminders and service availability
The vault encrypts stored documents and requires two-factor verification. Saved policy numbers and service credentials are protected separately. Ordinary budget figures are not end-to-end encrypted. Encryption reduces risk but does not remove the need to protect your account, devices and downloaded files. A stored will or policy copy does not establish its legal validity, execution, currency or claim entitlement.
Installed-app push requires browser support and device permission. Email PINs use platform email settings; household reminders use the household settings. Reminders depend on the running service, connectivity and providers and may be delayed or unavailable. Keep independent arrangements for important payment and review dates.
Export necessary reports and keep independent copies of important documents. For a self-managed installation, back up both the database and persistent encryption keys: keys are needed to decrypt protected data. Cancellation is not an instruction to immediately delete every record. We do not promise continuous availability or restoration of every lost item.
6. Responsible use, rights and changes
Do not misuse another person's data, attempt unauthorised access, bypass permissions, upload malicious or unlawful content or interfere with the service. We may restrict unsafe or compromised access where reasonably needed to protect users and the platform. You retain your rights in your content; we process it to provide and administer the service and meet lawful obligations.
Report errors, billing issues or suspected compromise promptly to info@vanguardtech.co.za. South African law applies, subject to mandatory consumer and privacy protections. Nothing here excludes rights or remedies that cannot lawfully be excluded, or excuses fraud or liability that cannot legally be limited. You may approach a competent regulator, ombud or court. Material policy or service changes will be identified by a new version and communicated where required.
New-account Pro trial
New signups receive one seven-day Pro trial starting when their email is verified. No card or payment mandate is required. The trial does not start automatic billing. At expiry, access returns to Free unless another eligible subscription or sponsored entitlement applies. Records are retained when premium features lock. An upgrade is a separate checkout showing its price and payment terms.