Terms and conditions governing your use of this website and our services
Effective Date: 1 January 2026 | Last Updated: 27 May 2026
These Terms of Use ("Terms") constitute a legally binding agreement between you and Cosslett & Associates Inc. ("we", "us", "our") governing your access to and use of our website at cainc.africa (the "Website"), including all content, services, and products available through the Website.
By accessing, browsing, or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms, together with our Privacy Notice and Disclaimer, which are incorporated by reference into these Terms. If you do not agree to these Terms, you must not use the Website.
We reserve the right to modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting on the Website. Your continued use of the Website following the posting of changes constitutes your acceptance of such changes.
In these Terms, unless the context indicates otherwise:
You may use the Website for lawful purposes only. You agree to use the Website in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of the Website by, any third party.
You agree not to:
Where the Website requires you to create an account or provide login credentials, you are responsible for maintaining the confidentiality of your account information and password. You agree to accept responsibility for all activities that occur under your account or password.
All intellectual property rights in the Website and its Content, including but not limited to copyright, trademarks, patents, and design rights, are owned by Cosslett & Associates Inc. or its licensors. All rights are reserved.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Website for your personal, non-commercial use.
You may not:
The use of this Website and/or the submission of an enquiry does not create a client-advisor relationship between you and Cosslett & Associates Inc. A formal written engagement letter, signed by both parties, is required before any professional services are rendered.
The scope of any professional services will be defined in a separate engagement letter or service agreement. These Terms do not govern the provision of professional services, which are subject to separate terms and conditions.
All professional services are rendered in accordance with the Code of Professional Conduct of the South African Institute of Chartered Accountants (SAICA), the requirements of the Independent Regulatory Board for Auditors (IRBA) where applicable, and all applicable laws and regulations.
We are bound by professional confidentiality obligations in terms of the SAICA Code of Professional Conduct and applicable legislation. Information you provide through the Website will be treated in accordance with our Privacy Notice and our professional duty of confidentiality.
However, please note that information transmitted over the internet may not be completely secure. While we implement appropriate security measures, we cannot guarantee the security of information transmitted to us via the Website.
The Website may contain links to third-party websites, services, or resources that are not owned or controlled by Cosslett & Associates Inc. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
Links to SARS eFiling, CIPC, Xero, QuickBooks, Sage, or any other third-party platforms are provided for your convenience only. Your use of third-party websites and services is governed by their respective terms and conditions.
To the fullest extent permitted by law, Cosslett & Associates Inc., its directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:
Our liability for professional services is limited to the extent permitted by law and as set out in the applicable engagement letter. Nothing in these Terms excludes or limits our liability for fraud, wilful misconduct, or gross negligence.
You agree to indemnify, defend, and hold harmless Cosslett & Associates Inc., its directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:
We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.
Upon termination, your right to use the Website will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
These Terms are governed by and construed in accordance with the laws of the Republic of South Africa. Any dispute arising out of or in connection with these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the South African courts.
You agree that any legal action or proceeding between you and Cosslett & Associates Inc. shall be brought exclusively in a court of competent jurisdiction in the Republic of South Africa.
If any provision of these Terms is held to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of these Terms will continue in full force and effect.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If we waive any breach of these Terms, this shall not constitute a waiver of any subsequent breach.
These Terms, together with our Privacy Notice and Disclaimer, constitute the entire agreement between you and Cosslett & Associates Inc. regarding your use of the Website and supersede all prior agreements and understandings.
If you have any questions about these Terms of Use, please contact us: