Last updated: 18 September 2026

SECTION 1 – ACCEPTANCE OF THESE TERMS

These Terms of Service (Terms) govern access to and use of the website bbrg.co.za and all associated educational content, tools, downloads, printed materials and services (collectively, the Services) provided by BBRG (Pty) Ltd, registration number 2026/063390/07, a private company incorporated in accordance with the Companies Act 71 of 2008 (BBRG, we, us, our).

By accessing the website, submitting a form, registering for the Deal Analyser tool, enrolling in a programme, purchasing a product or booking a call, you (the user, you, your) agree to be bound by these Terms, our Privacy Policy, our Refund & Cancellation Policy and our Shipping & Delivery Policy, each of which forms part of these Terms. If you do not agree, you must not use the Services.

SECTION 2 – NATURE OF THE SERVICES: EDUCATIONAL CONTENT ONLY

BBRG provides general property investment education, training content, structural and process guidance, and analytical tools (including the Deal Analyser) relating to the BRRRR (Buy, Renovate, Rent, Refinance, Repeat) property investment method in South Africa. All content is provided for general educational and informational purposes only.

BBRG is not a financial services provider and is not authorised or licensed under the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS). BBRG is not a registered credit provider under the National Credit Act 34 of 2005 and is not a registered property practitioner under the Property Practitioners Act 22 of 2019. Nothing on this website, in any programme, coaching session, workbook, download, email or output of the Deal Analyser tool constitutes financial advice, investment advice, a financial product recommendation, tax advice or legal advice. No advisor-client relationship is created by your use of the Services.

The Deal Analyser tool produces indicative, generic calculations based on figures you input. Outputs are illustrative only and must not be relied upon as the basis for any investment, financing or purchasing decision. Obtain independent advice from a suitably qualified and licensed financial adviser, bond originator, attorney and/or registered tax practitioner before making any property investment decision.

Property investment carries risk, including the risk of capital loss. Past or illustrated outcomes in our marketing or programme material are not a guarantee of future results. See our full Disclaimer at bbrg.co.za/disclaimer.

SECTION 3 – ELIGIBILITY

The Services are intended for individuals who are 18 years or older and who have the legal capacity to contract under South African law. By using the Services you confirm that you meet this requirement.

SECTION 4 – INTELLECTUAL PROPERTY AND LICENCE

4.1 All content on this website, including programme materials, curriculum, workbooks, templates, video, text, graphics, the Deal Analyser tool and the BBRG name and branding, is the intellectual property of BBRG (Pty) Ltd or its licensors and is protected under the Copyright Act 98 of 1978 and applicable trade mark law.

4.2 Programme materials are licensed to you, not sold. On purchase you receive a personal, non-transferable, non-exclusive licence to access and use the materials for your own education for as long as your access remains active. You may print or download materials for personal reference only. Recording, screen-capturing, redistributing or reselling any material, or sharing login credentials, is a breach of these Terms and of the Copyright Act 98 of 1978 and will result in termination of access without refund and may result in legal action.

4.3 Takedown requests: if you believe any content on this website infringes your copyright, email [email protected] with the URL, a description of the work, proof of ownership and your contact details. We will respond within 10 business days (ECTA section 77).

SECTION 5 – PRICES, PAYMENT, PAYMENT PLANS AND CANCELLATION

5.1 All prices are quoted in South African Rand (ZAR). BBRG (Pty) Ltd is not currently VAT-registered (first year of trading) and no VAT is charged. Should BBRG become VAT-registered, VAT will be shown on prices from that date.

5.2 The Framework and The Framework + Cohort programmes may be purchased either (a) as a once-off payment, or (b) on a 6-month payment plan consisting of six consecutive monthly payments. The total amount payable under the payment plan is disclosed before purchase and is equal to the once-off price; no interest and no fees are charged. The payment plan is a fixed-term agreement of six months and is not a credit agreement.

5.3 Programme access is released module by module over the 6-month programme. Under the payment plan, Module 1 is unlocked on receipt of the first payment and each subsequent module is unlocked as each subsequent monthly payment is received. Under a once-off purchase, Module 1 is unlocked immediately and each further module is released month by month.

5.4 If a scheduled payment fails, we will notify you by email and SMS and retry the payment. If payment remains outstanding 48 hours after the due date we will send a written notice in terms of section 49 of the Consumer Protection Act 68 of 2008 (CPA). If payment remains outstanding 5 business days after that notice, access to the programme may be paused until the account is brought up to date. No penalty fees or interest are charged.

5.5 Cancellation and refunds are governed by our Refund & Cancellation Policy at bbrg.co.za/refund-policy.

5.6 Physical goods, including the 6-Month Property Incubator workbook, are supplied subject to our Shipping & Delivery Policy at bbrg.co.za/shipping-delivery.

5.7 Payments are processed by PayFast, a PCI DSS compliant South African payment service provider. BBRG does not receive or store your full card number.

SECTION 6 – USER OBLIGATIONS

You agree to provide accurate information when registering, purchasing or submitting any form on this website, and to use the Services lawfully and in accordance with these Terms. You may not use the Services to transmit unlawful, harmful or infringing content, or attempt to gain unauthorised access to our systems.

SECTION 7 – DISCLAIMER AND LIMITATION OF LIABILITY

The Services are provided on an “as is” and “as available” basis. To the maximum extent permitted by South African law, including the CPA, BBRG makes no warranty that the Services will be error-free or uninterrupted, or that any investment outcome, return or result described or illustrated in our content will be achieved.

To the fullest extent permitted by law, BBRG, its directors, employees and agents will not be liable for any direct, indirect, incidental or consequential loss or damage arising from your use of, or reliance on, the Services, including any property investment, financing or business decision made following your use of the Deal Analyser tool or any programme content. Nothing in these Terms limits any right or remedy that cannot lawfully be excluded under the CPA.

SECTION 8 – GOVERNING LAW AND DISPUTE RESOLUTION

These Terms are governed by the laws of the Republic of South Africa. You consent to the non-exclusive jurisdiction of the South African courts. Before instituting formal proceedings, the parties agree to attempt in good faith to resolve any dispute through direct negotiation. Consumers may also refer a complaint to the Consumer Goods and Services Ombud (www.cgso.org.za) or the National Consumer Commission.

SECTION 9 – PRIVACY AND POPIA

Our collection and processing of your personal information is governed by the Protection of Personal Information Act 4 of 2013 (POPIA) and is described in our Privacy Policy at bbrg.co.za/privacy-policy, which forms part of these Terms.

SECTION 10 – CHANGES TO THESE TERMS

BBRG may update these Terms from time to time to reflect changes in our Services or in South African law. The updated Terms will be posted on this page with a revised “Last updated” date. Continued use of the Services after an update constitutes acceptance of the revised Terms.

SECTION 11 – CONTACT US

For any questions about these Terms, contact BBRG (Pty) Ltd at [email protected] or +27 64 807 0548.

SECTION 12 – MEMBER ACCOUNTS, LIVE SESSIONS AND COMMUNITY CONDUCT

12.1 On purchase you will receive login credentials for the BBRG programme platform. Your account is personal to you. You may not share login details or allow any other person to access programme content through your account. We may suspend accounts where sharing is detected.

12.2 The Framework + Cohort includes access to scheduled live coaching sessions. Session dates are published in advance. Sessions may be recorded and made available to enrolled cohort members. BBRG may reschedule a session on reasonable notice; a missed session does not entitle you to a refund.

12.3 Where BBRG provides a community, discussion or comment facility, you agree to communicate respectfully, not to post unlawful, defamatory, misleading or promotional content, and not to solicit other members for investment, financing or business opportunities. BBRG may remove content or suspend community access for breach of these rules.

12.4 Nothing shared by other members in any community facility is advice from BBRG, and BBRG is not responsible for it.

SECTION 13 – PAYMENT SECURITY AND DATA PROTECTION

13.1 Card payments are processed by PayFast, a PCI DSS compliant payment service provider. Your card details are entered directly into PayFast’s secure payment page and are never stored on BBRG’s systems.

13.2 This website is served over HTTPS (TLS encryption). Personal information is processed in accordance with our Privacy Policy and POPIA.

SECTION 14 – TESTIMONIALS AND REVIEWS

Testimonials and reviews displayed on this website are from genuine participants and are published with their consent. They reflect the individual’s own experience; results are not typical and are not a guarantee of your outcome. BBRG does not pay for reviews. Where any benefit has been given in exchange for a testimonial, this will be disclosed alongside it.

SECTION 15 – LEGAL INFORMATION (ECTA SECTION 43)

Full name and legal status: BBRG (Pty) Ltd, a private company incorporated in the Republic of South Africa.

Registration number: 2026/063390/07.

VAT registration: not currently VAT-registered (first year of trading); no VAT is charged.

Physical address: 13 Electric Road, Wynberg, Cape Town, 7800, South Africa.

Telephone: +27 64 807 0548. Email: [email protected]. Website: www.bbrg.co.za.

Information Officer (POPIA): Stephen Brown, [email protected].

Description of goods and services: online property-investment education programmes (The Framework; The Framework + Cohort) and a printed workbook (6-Month Property Incubator).

Prices: displayed in ZAR on each product page, exclusive of delivery charges for physical goods.

Payment: card payment via PayFast; once-off or 6-month payment plan as displayed at checkout.

Delivery: digital access is granted by email within 24 hours of payment; physical goods are delivered per the Shipping & Delivery Policy.

Cooling-off, returns and refunds: see the Refund & Cancellation Policy.

Security: payments are processed via a PCI DSS compliant provider over an encrypted connection.

Dispute resolution: [email protected]; the Consumer Goods and Services Ombud (www.cgso.org.za); the National Consumer Commission.

Membership of self-regulatory bodies: none. BBRG (Pty) Ltd is not a licensed financial services provider (FAIS Act 37 of 2002) and is not a registered property practitioner (Property Practitioners Act 22 of 2019).