Terms of Service

Effective date: 17 September 2026  ·  Originally effective: 15 July 2026

These Terms of Service ("Terms") govern your use of Orchard ("Service"), a dividend income tracking platform for South African investors, operated by OrchardSA ("we", "us", "our"). By creating an account or using the Service, you agree to these Terms.

1. Description of Service

Orchard is a web-based application that allows users to track JSE-listed share holdings, project dividend income, and calculate South African dividend withholding tax (DWT). The Service pulls publicly available market data and does not constitute financial advice. Orchard is not a licensed financial services provider. Nothing on this platform should be construed as investment or tax advice.

2. Eligibility

You must be at least 18 years old and resident in South Africa (or otherwise legally permitted to enter into contracts in your jurisdiction) to use the Service. By using Orchard you confirm that you meet these requirements.

3. Subscriptions and Billing

Orchard offers the following plans:

• Free — R0: Up to 5 holdings at no cost, for as long as you wish. Subject to the fair use allowance below.
• Orchard Pro — R99/month or R990/year: Everything in the Free plan, plus unlimited holdings, dividend email alerts, recording each purchase separately with its own date, the Dividend Income Summary PDF, up to 3 portfolios in one account, moving holdings between portfolios, marking a whole portfolio as a TFSA, automatic marking of dividends as received once the ex-date has passed, and reporting on either the calendar year or the South African tax year.
• Orchard Enterprise 10 — R299/month or R2,990/year: Everything in Orchard Pro, with up to 10 portfolios in one account instead of 3.

Fair use of the Free plan. The Free plan lets you track up to 5 holdings for as long as you like, at no charge and with no time limit. It also includes an allowance of 10 holding additions in total, which is deliberately double the 5 slots so that you have room to correct entry errors and change your mind while setting up your portfolio. Removing a holding is always free and unlimited. Once the allowance is used, your existing holdings continue to work exactly as before and you may still remove them; only adding new holdings requires a paid plan. This allowance exists so that the Free plan remains sustainable to offer, and is not intended to restrict ordinary use of the Service.

Paid plans are billed monthly or annually in South African Rand via PayFast, whichever you choose when you subscribe. The fee for the chosen period is charged in full when you subscribe, and the subscription renews automatically each period unless cancelled before the renewal date. Subscriptions taken out before 16 September 2026 are not moved to the new pricing and continue at the price paid then. The price of an active subscription may be adjusted from time to time in line with inflation. Any such adjustment is calculated on the price that subscription is paying at the time and takes effect from the first renewal after at least 30 days' notice by email.

All prices include VAT where applicable. Pricing is subject to change with 30 days' notice.

4. Cancellation

You may cancel your subscription at any time by contacting us at hello@getorchard.co.za. Your access to paid features continues until the end of the current billing period. See our Refund & Cancellation Policy for full details.

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of South African law.
• Scrape, copy, or redistribute data from the Service without written permission.
• Use any robot, spider, crawler, or other automated means to access the Service or to collect data from it.
• Attempt to gain unauthorised access to any part of the Service or its infrastructure, or to interfere with, disable, or circumvent any security feature of the Service.
• Reverse-engineer, decompile, or disassemble any part of the Service.
• Use the Service to transmit spam, malicious code, or disruptive content.
• Submit false or misleading information, impersonate any person, or misrepresent your affiliation with any person or organisation.
• Infringe our intellectual property rights or those of anyone else.

6. Intellectual Property

All content, design, code, and trademarks on Orchard are owned by or licensed to OrchardSA. You are granted a limited, non-transferable licence to use the Service for personal, non-commercial dividend tracking purposes. No rights are transferred to you beyond this licence.

7. Data Accuracy

Dividend data is sourced from publicly available market feeds (including Yahoo Finance). While we strive for accuracy, we do not guarantee that data is complete, current, or error-free. Do not make financial decisions based solely on projections shown in Orchard. Always verify dividend information with your broker and the relevant JSE company announcement (SENS).

The Service may from time to time contain errors, inaccuracies, or omissions — including in dividend data, projections, plan descriptions, and prices. We reserve the right to correct any error, inaccuracy, or omission, and to change or update information, at any time and without prior notice. Where a subscription has been taken out at a price published in error, we may cancel it and refund you in full; we will not charge you the corrected price without your agreement. We are under no obligation to update information on the Service except as required by law.

8. Privacy and POPIA

We collect and process personal information to provide the Service. We comply with the Protection of Personal Information Act 4 of 2013 (POPIA). We do not sell your personal information to third parties.

Our Privacy Policy sets out in full what we collect, why we collect it, who else receives it, where it is stored, how long we keep it and how to exercise your rights. If anything there is unclear, email us at hello@getorchard.co.za.

9. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or that any data shown is accurate or complete.

10. Limitation of Liability

To the maximum extent permitted by South African law, OrchardSA shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service, including but not limited to loss of income or profits. Our total liability to you for any claim shall not exceed R500 (five hundred Rand).

This applies where Orchard is found legally liable to you — by a court of law, or by a regulator with jurisdiction over us, such as the National Consumer Tribunal or the Information Regulator. Raising a complaint does not by itself make us liable. Nothing here prevents you from complaining to us, to an ombud, or to any regulator.

11. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes via email to your registered address. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

12. Feedback and Suggestions

We welcome feedback, suggestions, and feature requests, and we may act on them. If you send us any of these, you agree that we may use them without restriction, without any obligation to keep them confidential, to compensate you, or to reply. This does not affect your personal information, which is handled in terms of our Privacy Policy, and it does not give us any rights over the holdings data you enter into the Service, which remains yours.

13. Governing Law

These Terms are governed by the laws of the Republic of South Africa. Any disputes shall be subject to the jurisdiction of the South African courts.

14. Contact

Questions about these Terms? Email us at hello@getorchard.co.za.