Last updated: October 2026

1. Purpose and acceptance

1.1. This Agreement is between the Client, whose details appear on the quotation, and the Anlo company named on the quotation. That company is either ANLO Financial Solutions (Pty) Ltd (registration number 2013/094449/07) or Anlo Collective (Pty) Ltd (registration number 2014/164622/07). In these terms, that company is called “Anlo”.

1.2. The Client accepts these terms by accepting a quotation, whether through Xero, by email or by signing. Acceptance by electronic means is valid and binding under the Electronic Communications and Transactions Act 25 of 2002.

1.3. Anlo will start work once the Client has accepted the quotation and provided:

the identification and verification documents Anlo requests (see clause 12)

any mandates or authorisations needed to act on the Client’s behalf, including SARS eFiling and CIPC access

1.4. The quotation sets out the specific services, fees and duration. If the quotation and these terms conflict, the quotation applies.

1.5. Audit, independent review and other assurance work is not provided by ANLO Financial Solutions (Pty) Ltd or Anlo Collective (Pty) Ltd. This work is carried out by Anlo Horizon Inc under a separate engagement letter, which takes precedence over these terms.

2. Our services

Anlo will provide only the services listed in the quotation. These may include any of the following.

2.1. Tax returns and SARS submissions

Preparing and submitting income tax returns for individuals (ITR12), companies (ITR14) and trusts (ITR12T)

Preparing and submitting provisional tax returns (IRP6)

Preparing and submitting VAT returns (VAT201)

Preparing and submitting monthly employer declarations (EMP201), and the bi-annual reconciliations (EMP501) together with IRP5 and IT3(a) certificates

Preparing the supporting schedules and tax computations needed for these submissions

Telling the Client how much tax is payable and by when

Advising on claims, deductions and elections arising from the information the Client supplies, and making them where the Client instructs us to

Handling routine SARS correspondence about returns we have submitted, including requests for supporting documents and requests for correction

2.2. SARS registrations and updates of registered details

Registering the Client for income tax, provisional tax, VAT, PAYE, UIF and SDL

Updating registered particulars on SARS eFiling, such as addresses, contact details, representative taxpayer, public officer and financial year end

Assisting with changes to banking details. SARS may require the Client to verify these in person at a SARS branch or by video call, and Anlo cannot do this on the Client’s behalf.

Applying for tax compliance status (TCS) PINs

Deregistering tax types where this is appropriate

Updating tax residency status, including notifying SARS that a Client has ceased to be resident. Advice on emigration or exit tax will be quoted separately.

2.3. Accounting and bookkeeping

Recording financial transactions and maintaining the general ledger

Reconciling bank accounts and other control accounts

Preparing management accounts and financial reports

Compiling annual financial statements in line with the applicable financial reporting framework

Assisting with year-end procedures

2.4. Payroll

Processing monthly payroll and preparing payslips

Calculating PAYE, UIF and SDL

Making UIF declarations

Submitting the COIDA (Compensation Fund) return of earnings

2.5. CIPC company secretarial services

Filing annual returns

Filing beneficial ownership declarations

Making changes to directors, registered address, company name and financial year end

Registering new companies

2.6. Xero services and training

Setting up Xero, including the chart of accounts, bank feeds, tax settings and integrations with other software

One-to-one or group training on using Xero for invoicing, bills, bank reconciliation, reporting and payroll, as set out in the quotation

2.7. What we do not do

Unless it is agreed separately in writing, Anlo does not provide:

legal advice

investment or financial planning advice

audit, independent review or other assurance work (see clause 1.5)

any service not listed in the quotation

3. Specific terms for certain services

3.1. SARS work

3.1.1. Anlo acts as the Client’s registered tax practitioner and will need to be linked to the Client’s tax profile on SARS eFiling.

3.1.2. Before any return is submitted, Anlo will send it to the Client for approval. The Client must review the return and confirm their approval in writing or electronically. The Client remains legally responsible for the accuracy of every return, even when Anlo prepares and submits it.

3.1.3. The following work is outside the standard scope and will be quoted separately:

SARS audits and verifications beyond routine supporting document requests

objections and appeals

voluntary disclosure applications

requests to suspend payment

applications for remission of penalties

dealing with years before the start of the engagement

3.1.4. Turnaround times at SARS are outside Anlo’s control. This includes processing refunds, approving registrations and verifying banking details.

3.2. Xero training

3.2.1. Training sessions are booked in advance. If the Client gives less than 24 hours’ notice that they will not attend, the session may be charged in full.

3.2.2. Training gives the Client general guidance on using the software. The Client remains responsible for the accuracy of any entries they make in Xero.

3.2.3. Training materials Anlo provides are for the Client’s internal use only and may not be shared with anyone else.

3.3. Payroll

The Client is responsible for:

giving Anlo complete and accurate employee and payroll information before the agreed monthly cut-off date

paying salaries, PAYE, UIF and SDL to the relevant parties

complying with employment legislation

4. Duration, renewal and termination

4.1. Once-off services: The engagement covers only the scope and duration set out in the quotation. It ends when that work is complete.

4.2. Retainer services:

A retainer quotation covers a 12-month period, and fees are invoiced monthly.

Anlo reviews retainer fees and scope once a year and will send an updated quotation for the next period.

If the Client continues to use Anlo’s services after receiving the updated quotation, this counts as accepting it.

4.3. Notice: Either party may end the engagement by giving one calendar month’s written notice.

4.4. Immediate termination: Anlo may end the engagement immediately, with written notice, if any of the following applies:

the Client does not cooperate

the Client provides misleading or incomplete information to Anlo or SARS

fees are seriously overdue

continuing would breach a legal or professional obligation

4.5. What happens on termination:

The Client must pay for all work done up to the termination date.

For retainers, the Client must also pay the fees for the notice period.

Anlo will try to agree arrangements for any unfinished work, unless the law or a regulator requires Anlo to stop immediately.

Anlo will issue a disengagement letter.

Anlo will respond to a professional clearance request from the Client’s new accountant.

4.6. Termination does not affect any rights or obligations that arose before the termination date.

5. The Client’s responsibilities

5.1. The Client is legally responsible for submitting correct returns on time and paying any tax due on time. If deadlines are missed, SARS may charge penalties and interest automatically.

5.2. The Client agrees to:

5.2.1. disclose all sources of income, expenses, allowances, assets and capital transactions in full

5.2.2. provide complete, true and accurate information. Anlo will rely on this information and will not audit or verify it.

5.2.3. provide information in time for returns and submissions to be prepared before the due dates

5.2.4. send Anlo copies of all SARS and CIPC correspondence promptly, including statements of account, assessments, letters and verification requests

5.2.5. tell Anlo promptly about any significant change in circumstances. Examples include a change of address, banking details, tax residency, directors or shareholders, or business activities.

5.2.6. keep their own login details for SARS eFiling, CIPC and banking secure

5.3. Anlo may contact third parties, such as banks or previous accountants, for information about the Client’s affairs, but only with the Client’s prior approval.

5.4. The Client must be satisfied with the accounting software being used. If not, the Client may take over the subscription directly with the provider (see clause 16).

6. Fees and payment

6.1. Fees are based on the time spent, the skill and responsibility required, and any disbursements incurred. They are set out in the quotation.

6.2. If the Client needs work outside the agreed scope, Anlo will send a separate quotation before starting.

6.3. Invoices are issued monthly, or as set out in the quotation. VAT is added where applicable.

6.4. Invoices are payable on presentation.

6.5. Anlo may charge interest on overdue accounts at 10% per year, calculated from the due date.

6.6. If payment is unduly delayed, Anlo may suspend work or end the engagement. Anlo will not use this right unfairly or unreasonably.

7. Professional standards

7.1. Anlo’s work is performed or supervised by Chartered Accountants (SA) who are members of SAICA. They follow the SAICA Code of Professional Conduct and keep their knowledge up to date through continuing professional development.

7.2. Anlo’s tax practitioners are registered with SARS through SAICA, their recognised controlling body.

8. Conflicts of interest

8.1. Anlo will tell the Client if it becomes aware of a conflict of interest.

8.2. Where a conflict can be managed with appropriate safeguards, Anlo will put those safeguards in place, with the Client’s informed consent where possible. Where a conflict cannot be managed in a way that protects everyone’s interests, Anlo will not be able to continue acting.

8.3. Anlo may act for other clients whose interests differ from, or conflict with, the Client’s interests. Anlo’s confidentiality obligations continue to apply in these cases.

9. Retention of records

9.1. Anlo will return original documents to the Client once the work is complete.

9.2. The Client must keep all records for at least five years from the date each return is submitted, as required by the Tax Administration Act, and for seven years for company records. These periods are longer if there is a SARS audit, objection or dispute.

9.3. Anlo may destroy correspondence and working papers that have been held for longer than seven years, unless they are still of significance. If the Client wants documents kept for longer, they must tell Anlo in writing.

9.4. Anlo may disclose its files to regulatory bodies when they request them in the exercise of their powers.

9.5. Anlo may keep the Client’s files and papers until all fees owed have been paid. This does not apply where the law requires Anlo to release them.

10. Advice

10.1. Anlo confirms in writing any advice the Client may wish to rely on. The Client should not rely on verbal advice.

10.2. Tax law changes frequently. If a transaction is delayed, or the Client plans a similar transaction, the Client must ask Anlo to review its earlier advice.

10.3. Anlo’s advice is based on its interpretation of the law and its experience with SARS. Many conclusions are matters of professional opinion, and Anlo cannot guarantee that SARS will agree.

10.4. Advice is for the Client’s use only and may not be relied on by anyone else.

11. Data protection (POPIA)

11.1. Anlo processes personal information in line with the Protection of Personal Information Act 4 of 2013 (POPIA). Details are in Anlo’s Privacy Policy at anlo.co.za

11.2. Anlo will use the Client’s information only to provide the agreed services and to meet its legal and professional obligations. Anlo will never sell it.

11.3. Anlo uses cloud-based software, such as Xero and Microsoft 365, which may store information outside South Africa. Anlo’s associated firm in the United Kingdom may also access information where it supports the work. Any such transfers will comply with section 72 of POPIA, as explained in the Privacy Policy.

11.4. Anlo will take appropriate and reasonable technical and organisational measures to keep the Client’s information secure. Anlo will notify the Client, and the Information Regulator, of any security compromise as required by POPIA.

11.5. Where Anlo processes personal information on the Client’s instructions, such as payroll records of the Client’s employees, Anlo acts as an operator. It will process that information only for the agreed services and will keep it confidential and secure.

11.6. The Client confirms that it is entitled to share with Anlo the personal information of its employees, directors, shareholders and other people.

11.7. Each party will cooperate with the other on access requests and other requests from data subjects.

12. FICA and client verification

12.1. Anlo is required by the Financial Intelligence Centre Act 38 of 2001 (FICA) and its professional obligations to identify and verify the Client. This includes any beneficial owners, directors and trustees.

12.2. Anlo may request, and keep, the documents and information needed for this.

12.3. Anlo may be legally required to report suspicious or unusual transactions to the Financial Intelligence Centre. In some cases the law does not allow Anlo to tell the Client that it has done so.

13. Confidentiality

13.1. Anlo will keep the Client’s information confidential during and after the engagement. This does not apply where disclosure is required:

by law

by regulatory bodies

by SAICA or SARS

by Anlo’s insurers

as part of a professional quality review

13.2. Anlo may subcontract work to other qualified tax or accounting professionals, including its associated firms. Anyone it subcontracts to will be bound by the same confidentiality obligations.

13.3. Anlo will not name the Client in promotional material or as a reference without the Client’s prior written consent.

14. Limitation of liability

14.1. Anlo will provide the agreed services with reasonable care and skill.

14.2. Anlo’s total liability for all claims arising from the services, whether in contract, delict or otherwise, is limited as follows:

retainer services: an amount equal to three months’ retainer fees, excluding VAT

once-off services: the total fee charged for that service

14.3. Anlo is not liable for:

indirect, consequential or punitive losses

losses, penalties, interest or additional tax arising from incorrect, incomplete or late information supplied by the Client or anyone else

losses caused by the Client failing to act on Anlo’s advice, or failing to respond promptly to Anlo, SARS or CIPC

delays caused by SARS, CIPC or software providers

14.4. Nothing in these terms limits or excludes Anlo’s liability for fraud, wilful misconduct or gross negligence, or any other liability that cannot lawfully be limited.

15. Electronic communication

15.1. Anlo communicates mainly by email and other electronic means. These carry risks, such as interception, corruption, misdirection or non-delivery.

15.2. Anlo is not responsible for changes made to communications after it has sent them.

15.3. If the Client does not want to receive information by email, they must tell Anlo in writing.

15.4. Anlo does not accept verbal instructions. All instructions must be given in writing.

15.5. Payment fraud warning: Anlo will never change its banking details by email. Before making any payment, the Client should confirm Anlo’s banking details by telephone if anything looks unusual.

16. Software subscriptions

16.1. Anlo may arrange software subscriptions on the Client’s behalf, such as accounting or payroll software. Anlo recharges these to the Client at cost.

16.2. Anlo is not a software provider. It does not guarantee the performance, availability or functionality of any third-party software and is not liable for any problems with it.

16.3. Any price increases by the software provider will be passed on to the Client and reflected at the annual review.

16.4. The Client may take over the subscription directly with the provider at any time, on reasonable notice.

17. Complaints

17.1. If the Client is unhappy with any part of Anlo’s service, they should contact Annja Louca or Esmerelda Doman at contact@anlofin.com. Anlo will acknowledge the complaint promptly and try to resolve it fairly.

17.2. If the complaint is not resolved, the Client may refer it to SAICA.

18. Working hours

Anlo does not work on weekends or South African public holidays. Any urgent work outside normal hours must be agreed in advance and may be charged additionally.

19. General

19.1. This Agreement, the quotation and any engagement letter together form the entire agreement between the parties.

19.2. A variation is only valid if it is in writing and agreed by both parties. Acceptance of an updated quotation counts as agreement.

19.3. If one party does not enforce a right, this is not a waiver of that right.

19.4. If any provision of this Agreement is found to be invalid, the remaining provisions continue to apply.

19.5. Disputes:

The parties will first try to resolve any dispute in good faith.

If the dispute is not resolved within 30 days, it will be referred to mediation.

If mediation fails, it will be referred to arbitration under the rules of the Arbitration Foundation of Southern Africa (AFSA).

Either party may still apply to court for urgent relief or to recover unpaid fees.

19.6. This Agreement is governed by the laws of the Republic of South Africa.

19.7. Each party chooses its address on the quotation as its address for legal notices (domicilium citandi et executandi). Email is acceptable for notices under this Agreement.