Terms of sale
Last updated 9 November 2026
Please read this first. For any claim about a product, my liability is limited to the price you paid for it, except where South African law doesn't allow that limit. The products are templates and guides, not legal advice.
Who you're buying from
Laubschers is the trading name of Izak Laubscher. The website is www.laubschers.com. The supplier details the law requires are in the next section.
Supplier details (ECTA section 43)
Under section 43 of the Electronic Communications and Transactions Act, the supplier is Laubschers, a sole proprietorship of Izak Laubscher. I am not VAT registered.
The physical address, and the address for service of legal documents, is Fairways Complex, 8 Montrose Road, Barbeque Downs, Midrand, 1684, South Africa.
Phone +27 82 871 0872. Email info@laubschers.com.
How you buy
My products are sold through Whop. The checkout page shows the price and what's included. Whop runs the checkout and payment under its own terms. These terms cover the product itself.
What you get
You can download the files straight after your payment goes through. You can use them in your own business and adapt them to suit it. You may not resell the files or share them outside your business.
Whop emails you an order confirmation, and the purchase stays in your Whop account.
This isn't legal advice
The Annual RMCP Pack is a template and a working guide. Buying it doesn't make me your compliance officer. Your business stays responsible for its own Risk Management and Compliance Programme under the Financial Intelligence Centre Act. Check your final document against the Financial Intelligence Centre's current guidance, or with a qualified adviser.
Refunds and cooling off
If you change your mind, email me within 7 days of buying or receiving the files, whichever is later, and I'll refund you in full within 30 days. If you bought as an individual, this covers the cooling-off period in section 44 of the Electronic Communications and Transactions Act.
If a file is faulty or doesn't match the product page, you can return it within six months and choose a fix, a replacement or a refund. Refunds go back to the card or account you paid with, through Whop.
Liability
My liability for any claim about a product is limited to the price you paid for it, except where South African law doesn't allow that limit.
The law that applies
These terms are governed by the law of South Africa. The version in force on the day you buy is the one that applies to your purchase.