A1. Who we are and how to reach us
IQprop is operated by IQ Prop (Pty) Ltd, a South African company, registration number 2025/215507/07. Our director is Ian Black. Our physical address, and our address for service of legal documents, is 737 Rubenstein Drive, Moreleta Park, Pretoria, Gauteng, 0044, South Africa.
Website: https://iqprop.co.za. Telephone: 010 072 2288. General enquiries: hello@iqprop.co.za. Account, cancellation and refund requests: support@iqprop.co.za. Privacy and access-to-records requests: privacy@iqprop.co.za.
A2. Your agreement and account
You must be at least 18 and able to enter into a contract. If you act for a company, trust or another person, you must have authority to do so. Give accurate information, use your own account and keep your login secure. Tell us promptly if you suspect unauthorised access. You are not automatically responsible for activity caused by our security failures.
Before a paid order is placed, you will be able to review the plan, the total price, the billing period and these policies, correct mistakes and withdraw. Your order confirmation records the plan and start date. Paid access starts after successful payment unless checkout states a later date. Save the confirmation and policies; you may also request copies from support.
These terms apply when you accept them at signup, or when they take effect following the notice in A15. The version date is not a retrospective effective date. Accepting the Terms is not consent to marketing, credit checks or partner referrals — those are separate, specific choices.
A3. What an analysis means
IQprop calculates projected cashflow, acquisition costs, bond capacity, T-ratings and related estimates from the inputs and assumptions shown on screen. It helps you compare scenarios. It does not promise that a property will become cashflow positive, or that any projected return, rent, tax saving or financing outcome will occur.
A T-rating estimates the time to positive cashflow under the model's assumptions. It does not measure capital growth and is not a recommendation to buy. A constant interest rate is a modelling assumption, not a forecast. Check rates, levies, vacancies, maintenance, taxes, transaction costs and the date and source of every figure. Imported listing data may be incomplete or out of date.
The tools do not replace a valuation or advice on your legal, tax, investment or credit position. Get appropriate professional advice before you commit. You choose your inputs and your decisions; we remain responsible for our own service and representations as the law requires. Report errors so we can investigate and correct them.
A4. Bond estimates and GoFund referrals
IQprop's bond-capacity calculator gives an indicative estimate from your inputs. IQprop does not itself assess a loan application, obtain credit approval or approve a bond. GoFund handles the bond pre-approval and origination process you request. Any preliminary assessment remains subject to the lender's requirements; only the lender can give a binding credit decision.
If you want a bond assessment, you can ask IQprop to refer you to GoFund. We send your information to GoFund only after you separately authorise that referral. Using IQprop, listing a property or running an analysis does not send your financial information to GoFund, authorise a credit-bureau search, or apply to any lender.
GoFund is a separate business owned by Ian Black, who also owns IQprop. We disclose that shared ownership so you can make an informed choice. Under the referral arrangement described here, GoFund is paid a commission by the bank if a bond registers, and does not charge you for its bond-origination service. Bank, valuation, conveyancing, bond-registration and other transaction costs may still apply. Before you authorise a referral, we show you GoFund's legal identity, contact details, a link to GoFund's own privacy notice, its relevant regulatory details and any additional referral fee.
You may choose another finance provider. No subscription, trial or analysis outcome depends on taking a GoFund referral. We do not promise approval, a particular rate or access to every lender. GoFund and the lender are responsible for their own services and their own handling of your information; IQprop remains responsible for its own conduct and for lawful data sharing. Regulatory duties depend on the services actually performed — these terms do not exclude IQprop or any partner from the Property Practitioners Act or any licensing or conduct requirement that applies to its activities.
A5. Offer templates and tiered offer tools
An offer to purchase can create binding obligations. Have the completed document checked before signing or submitting it.
Where available, offer templates and tiered calculations help you prepare an offer. A tier, suggested figure or pre-filled field is based only on the inputs and assumptions shown. It does not establish market value, affordability, legal suitability or a seller's willingness to accept. You choose the price and all other terms.
Check the parties, authority to sign, property description, price, deposit, occupation, finance condition, deadlines, fixtures, disclosures and special conditions. An attorney or conveyancer should check the wording and the correct way to sign for your transaction. Do not assume that a click, a typed name, an electronic signature, an upload or a platform message validly signs a land-sale agreement.
Downloading or generating a document does not submit it, and does not give IQprop authority to negotiate, sign or accept for you. If a send feature is available, it will show you the recipient and the final document and require your specific instruction before anything is sent. A delivery status is not acceptance by the other side. Keep the final signed document and proof of any required delivery.
An offer's expiry, withdrawal, acceptance and cancellation are governed by that offer and by law. Cancelling an IQprop subscription or deleting your account does not withdraw an offer or cancel a property agreement.
A6. Rules for sellers and agents
Property owners may list their own properties, and estate agents may publish listings and deals for clients they are authorised to represent. Identify your role clearly. Listing directly does not require appointing an agent through IQprop, but it does not remove an existing agent's contractual rights or anyone's legal obligations. Agents must identify their agency, provide current property-practitioner and Fidelity Fund Certificate details, and keep their authority and disclosures up to date. We may request evidence, or restrict a listing, if information is missing or unreliable.
Listings must be accurate, lawful and current. Disclose material property information and charges, and provide any mandatory disclosure form where required. Do not use misleading returns, false scarcity, discriminatory restrictions, copied photographs without permission, or personal information you may not share. Remove or correct withdrawn, sold, let or materially changed listings promptly.
A listing, ranking or rating is not our guarantee of the property, the advertiser, title, safety, availability or investment outcome. A verification badge describes only the check stated with it and when it was done. Paid placement is identified as such. Independently verify authority, property information and payment instructions before you commit funds. Report suspect listings to support@iqprop.co.za; we may preserve evidence, contact the advertiser and restrict access while we investigate. Neither publishing nor removing a listing decides the parties' legal rights.
A7. Rental features
Where available, rental advertising and enquiry features help landlords and prospective tenants connect. They do not by themselves make IQprop a letting agent, property manager or payment recipient. Any such service needs an express agreement setting out the provider, scope, fees and authority. Legal duties arising from our actual conduct still apply.
Landlords and agents must have authority to advertise, give accurate information, and comply with applicable rental, consumer, equality and housing law. Tenant screening needs a lawful basis, a clear notice and any required authorisation; a listing enquiry is not permission for an undisclosed credit check or a tenant blacklist.
Before entering a lease, check the rent and other charges, the deposit, inspections, maintenance, occupation, termination and dispute procedures. Statutory deposit, interest, inspection and refund rights continue to apply. These platform terms do not replace a lease or permit unlawful eviction; Rental Housing Tribunal and court remedies remain available. Do not pay purchase deposits, rent, rental deposits, insurance premiums or other client money into IQprop's subscription-payment channel — that channel is for IQprop service fees only. Any future client-money service will be arranged separately and lawfully before funds are accepted.
A8. Insurance introductions
Where an insurance introduction is offered, the feature identifies the provider, its relevant authorisation, the scope of the referral and any fee or ownership interest before you proceed. A referral does not put insurance in force and does not establish that a policy is suitable. The provider must explain cover, exclusions, premiums, excesses and its own complaints and cancellation process.
We will not treat a bond referral or a property enquiry as permission to share your details for insurance marketing. An insurance referral needs its own separate, informed choice. Any advice or intermediary service must be provided under the authorisation the law requires. No saving or claim payment is guaranteed.
A9. Browser add-on and external websites
The optional Chrome and Firefox add-on collects displayed listing and rental-comparison figures when you press Submit in IQprop for a supported link, or click the add-on's icon on a supported listing. Part B (B7) explains exactly how it handles data. Check imported figures before you rely on or save them; third-party websites change, and imports can fail.
Installing the add-on does not give you rights in third-party content, and does not override a website's access conditions. Do not bypass access controls, copy content unlawfully, or use the tool for unauthorised bulk extraction. Property24 and Private Property are separate services; access to their pages does not imply their endorsement or permission. We may restrict an import source where access rights or reliability are unresolved.
A10. Free access, trials and paid plans
The plan page states the features and usage limits. An account with a confirmed email address may use one free seven-day Investor trial. No card is required, and the trial does not convert automatically to a paid plan. At expiry the account returns to Free unless you choose to subscribe. Saved deals remain in the account, subject to the Privacy Policy; paid features become unavailable.
Promotional trials. We may from time to time offer a longer promotional trial — for example, a 30-day Investor trial for a limited number of sign-ups. The length, who qualifies, and any limit (such as the first set number of sign-ups) are stated wherever the offer is made. A promotional trial is otherwise on the same terms as the standard trial: no card is required, nothing is charged, and access returns to Free at the end.
Monthly subscriptions are billed in advance with no minimum term. An annual subscription, where offered, runs for twelve months paid in advance. Checkout states the complete price in rand, including VAT where applicable and all compulsory IQprop charges. Any optional service has its own disclosed price and your agreement.
Part C governs cancellation, refunds and annual expiry. We do not automatically renew an annual plan for another fixed year; instead we give the expiry notice and month-to-month option described there. We notify monthly price changes at least one full billing cycle ahead, and we do not increase an agreed annual price during its fixed term without your express agreement.
Our payment provider processes card payments. Do not send full card details or security codes to support. If a payment fails we notify you and may retry the authorised payment; persistent failure may lead to a downgrade to Free after notice. We do not use payment retries to collect charges after a cancellation has taken effect.
A11. Your content and permitted use
You keep the rights in your content. You give us permission to host, copy, format and display it only as reasonably needed to run the features you use, protect the service and meet lawful record-keeping duties. Listing content may be shown publicly when you choose to publish it. This permission does not authorise unrelated use of personal information.
Our software, interface, calculation methods and branding remain ours or our licensors'. You may use the service within your plan and share your individual analyses with their assumptions and limitations — but do not present them as our professional advice. Do not unlawfully copy, resell, reverse-engineer, scrape or disrupt the service, bypass limits, impersonate others or harvest contact information. This does not remove rights the law gives you.
A12. Availability and faults
We provide the service with reasonable skill and care, and we aim to tell you about planned maintenance and material interruptions. We cannot promise uninterrupted access. If a material outage or fault affects a paid service, contact support for investigation and the remedy available under Part C and applicable law. A credit is not your only remedy where the law entitles you to a refund or other relief.
A13. Limits on responsibility
This section limits some claims. Read it before subscribing or using transaction features.
Property and financing decisions carry risk — interest-rate changes, vacancies, unexpected repairs and declined finance among them. We do not guarantee investment outcomes or another provider's performance. We are responsible for our own acts, omissions, representations and statutory duties; your decision to rely on a tool does not excuse a breach by us.
To the extent fair and permitted by law, our total liability for ordinary contractual claims arising from the service is limited to the greater of R1 000 or the subscription fees you paid us in the twelve months before the event giving rise to the claim. Related events are treated as one event only where that is lawful and fair.
This cap does not apply to fraud, wilful misconduct, gross negligence, unlawful processing or disclosure of personal information, or any liability or remedy that cannot lawfully be excluded or limited. It does not reduce refunds or credits owed under Part C. Nothing here requires you to waive a statutory right, to indemnify us for our own wrongdoing, or to accept an unfair term.
A14. Suspension and closure
We may restrict an account or listing, proportionately, to address unlawful activity, a material breach, fraud or a security risk. Unless urgent action is reasonably necessary, we explain the concern and give a reasonable chance to fix it. Where CPA section 14 applies to cancellation by us for a material breach, we give the required twenty business days' written notice and an opportunity to remedy.
You may ask support to review a restriction. We preserve your access to complaints and privacy requests. If we end a paid service without a breach by you, we refund the unused period. We do not automatically forfeit prepaid fees after a breach; any lawful deduction must be justified. Account closure, subscription cancellation and deletion of information are separate requests.
A15. Changes and your legal rights
We give at least twenty business days' notice of a material contractual change, and any longer notice the law requires. Changes apply from the future, not the past. We do not treat silence as consent to a new charge, referral or data-processing purpose that needs consent. If a material change adversely affects a prepaid service, you may cancel before it takes effect and receive the unused balance without penalty. An urgent, legally required or security change will be explained as soon as reasonably practicable.
South African law governs this agreement. You can contact support@iqprop.co.za, an appropriate ombud or regulator, the National Consumer Commission, or a court with jurisdiction. You need not exhaust our process before using a statutory remedy. No compulsory arbitration or exclusive-court clause limits those rights. An unenforceable provision is severed only so far as necessary, and delay in enforcing a right is not a waiver.