Expanding Insights

Terms of Service

Effective date: 28 March 2026 · Last updated: 28 March 2026

1. Introduction and Acceptance

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client", "you", or "your") and KJ Hoare, trading as Expanding Insights ("we", "us", or "our"), governing your access to and use of our website at expandinginsights.com, our client portal at portal.expandinginsights.com, and all related products, services, and software (collectively, the "Services").

By accessing or using any of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our Refund Policy. If you do not agree, you must not use our Services.

These Terms are governed by the laws of the Republic of South Africa, including the Consumer Protection Act 68 of 2008 ("CPA"), the Electronic Communications and Transactions Act 25 of 2002 ("ECT Act"), and the Protection of Personal Information Act 4 of 2013 ("POPIA").

2. Eligibility

You must be at least 18 years of age and have the legal capacity to enter into a binding agreement to use our Services. By using our Services, you represent and warrant that you meet these requirements. If you are acting on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms.

3. Description of Services

Expanding Insights provides technology consulting and software services, including but not limited to:

  • AI Solutions: custom AI integrations, chatbots, and intelligent automation.
  • Process Automation: workflow automation, RPA implementations, and system integrations.
  • Business Intelligence: dashboards, data pipelines, reporting tools, and analytics platforms.

Each engagement may be subject to additional terms set out in a separate service agreement, statement of work, or product-specific terms. In the event of a conflict between these Terms and a product-specific agreement, the product-specific agreement shall prevail to the extent of the conflict.

4. Accounts and Authentication

Certain Services require you to create or access an account through our Portal. You are responsible for:

  • Maintaining the confidentiality of your login credentials.
  • All activity that occurs under your account, whether authorised by you or not.
  • Notifying us immediately at info@insightsxp.com if you suspect unauthorised access.

We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe have been compromised.

5. Fees, Payments, and Billing

5.1 Pricing

Fees for our Services are as quoted on the Website, in a proposal, or in a separate service agreement. All prices are quoted in the currency specified at the time of purchase and are exclusive of VAT unless stated otherwise.

5.2 Payment processing

Payments are processed through Paddle, our merchant of record. By making a payment, you also agree to Paddle's terms of service. We do not store your full payment card details on our systems.

5.3 Subscriptions

Where Services are provided on a subscription basis, your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. You may cancel your subscription at any time through the Portal or by contacting us at info@insightsxp.com. Cancellation takes effect at the end of the current billing period.

5.4 Late payments

Invoices for custom engagements are due within 14 days of issue unless otherwise agreed. We reserve the right to suspend access to Services if payment is overdue by more than 14 days and to charge interest on overdue amounts at the rate prescribed by the Prescribed Rate of Interest Act 55 of 1975.

6. Refunds

Refunds are governed by our Refund Policy, which forms part of these Terms. In summary:

  • A 7-day cooling-off period applies to new purchases where no substantial work has been delivered.
  • Each product and service may include its own specific refund terms, which will be communicated at the time of purchase or in the applicable service agreement.
  • Product-specific refund terms take precedence over the general policy.

7. Intellectual Property

7.1 Our intellectual property

All content on the Website and Portal, including text, graphics, logos, icons, images, software, and underlying code, is owned by or licensed to Expanding Insights and is protected by South African and international intellectual property laws. You may not copy, reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any of our content without prior written consent.

7.2 Client deliverables

Unless otherwise agreed in a separate service agreement, ownership of custom deliverables (e.g., bespoke code, dashboards, automations) transfers to the Client upon full payment. We retain the right to reuse general-purpose tools, frameworks, libraries, and methodologies developed during an engagement, provided they do not contain your confidential information.

7.3 Feedback

If you provide feedback, suggestions, or ideas about our Services, we may use them without obligation or compensation to you.

8. Confidentiality

Both parties agree to keep confidential any non-public information disclosed during the course of an engagement, including business data, technical specifications, pricing, and strategies. This obligation survives termination of these Terms for a period of 2 years, except where disclosure is required by law.

9. Acceptable Use

You agree not to:

  • Use our Services for any unlawful purpose or in violation of any applicable law or regulation.
  • Attempt to gain unauthorised access to any part of our systems, accounts, or networks.
  • Interfere with or disrupt the integrity or performance of our Services.
  • Transmit malware, viruses, or any other harmful code through our Services.
  • Reverse-engineer, decompile, or disassemble any part of our software, except as permitted by applicable law.
  • Scrape, harvest, or collect data from our Website or Services by automated means without our prior written consent.
  • Resell, sublicense, or redistribute our Services without authorisation.

10. Service Availability and SLAs

We strive to maintain high availability of our Services but do not guarantee uninterrupted or error-free operation. We may perform scheduled maintenance with reasonable notice. Specific service level commitments, where applicable, will be set out in the relevant service agreement.

11. Limitation of Liability

To the maximum extent permitted by South African law (including the CPA):

  • Our total aggregate liability arising out of or in connection with these Terms or your use of the Services shall not exceed the total fees paid by you to us in the 12 months preceding the event giving rise to the claim.
  • We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, business interruption, or loss of goodwill, even if we have been advised of the possibility of such damages.
  • Nothing in these Terms excludes or limits liability that cannot lawfully be excluded, including liability for fraud, gross negligence, or death or personal injury caused by our negligence.

12. Indemnification

You agree to indemnify, defend, and hold harmless Expanding Insights, its owner, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with your breach of these Terms, your use of our Services, or your violation of any applicable law or third-party rights.

13. Termination

Either party may terminate these Terms at any time by providing written notice to the other. We may also suspend or terminate your access to our Services immediately and without notice if:

  • You breach any provision of these Terms.
  • We are required to do so by law or a regulatory authority.
  • We reasonably believe your account has been compromised or is being used fraudulently.

Upon termination, your right to access the Services ceases immediately. Provisions that by their nature should survive termination (including Sections 7, 8, 11, 12, and 16) will continue in force.

14. Force Majeure

Neither party shall be liable for any failure or delay in performing its obligations under these Terms due to circumstances beyond its reasonable control, including natural disasters, war, terrorism, pandemics, government actions, power failures, internet outages, or third-party service disruptions.

15. Changes to These Terms

We may update these Terms from time to time. Material changes will be posted on this page with a revised "Last updated" date. For significant changes that affect your rights, we will make reasonable efforts to notify you (e.g., via email or an in-app notice) at least 14 days before the changes take effect. Your continued use of our Services after the effective date constitutes acceptance of the revised Terms.

16. Governing Law and Dispute Resolution

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 shall first be referred to mediation in accordance with the rules of the Arbitration Foundation of Southern Africa (AFSA). If mediation fails to resolve the dispute within 30 days, either party may refer the matter to the courts of South Africa, which shall have exclusive jurisdiction.

17. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

18. Entire Agreement

These Terms, together with our Privacy Policy, Refund Policy, and any product-specific agreements, constitute the entire agreement between you and Expanding Insights regarding the use of our Services and supersede all prior or contemporaneous agreements, understandings, or representations.

19. Contact

For questions about these Terms, please contact us at: