Terms of service

TERMS OF SERVICE
Effective Date: 18 September 2026

WELCOME TO BLESSING M DIGITAL

These Terms of Service govern your access to and use of the Blessing M Digital website, online store, products, services, digital products, content, features, tools and related services.

The terms “Blessing M Digital”, “we”, “us” and “our” refer to Blessing M Digital, a sole proprietorship operating in the Republic of South Africa.

The terms “you”, “your” and “customer” refer to any person who visits, accesses, purchases from, or otherwise uses our website, products or services.

Our website is operated using Shopify, which provides the ecommerce technology that enables us to operate our online store.

By accessing, browsing, creating an account, placing an order, purchasing a product or service, downloading a digital product, or otherwise using our Services, you agree to these Terms of Service and the policies referred to in these Terms.

Please read these Terms carefully before using our Services. These Terms contain important information about purchases, payments, refunds, intellectual property, digital products, services, privacy, limitations of liability and your rights and responsibilities.

Nothing in these Terms excludes, restricts or limits any right or remedy that you have under applicable South African law where such exclusion, restriction or limitation would be unlawful.

If you do not agree to these Terms, you should not use or purchase through our Services.

SECTION 1. ACCESS TO THE WEBSITE AND CUSTOMER ACCOUNTS

You may access and use our website for lawful purposes and in accordance with these Terms.

You may create a customer account where the account functionality is available. You are responsible for providing accurate and current information when creating or using an account.

You are responsible for maintaining the confidentiality of your account credentials and for activity performed through your account.

You must promptly notify us if you believe that your account has been accessed without your permission.

You may not sell, transfer, assign or provide your account to another person without our prior written permission.

We may suspend or terminate access to an account where we reasonably believe that the account has been used fraudulently, unlawfully, abusively or in breach of these Terms.

Our Services are not subject to a fixed minimum age unless applicable law requires otherwise. Where a person under the age of majority uses our Services, the person responsible for that minor should ensure that the use and purchase are lawful and appropriately authorised.

SECTION 2. OUR PRODUCTS AND SERVICES

Blessing M Digital offers digital products and services, which may include templates, CV and resume products, educational or informational products, website design, graphic design, social media management, video editing and related creative or digital services.

We make reasonable efforts to ensure that product descriptions, service descriptions, images, previews, specifications and pricing displayed on our website are accurate.

Digital product appearance may vary depending on your device, operating system, software, screen settings, browser, application or other technical configuration.

Product descriptions, pricing, availability, features and service offerings may change from time to time.

We may discontinue, update or replace a product or service at our discretion, subject to any rights you may have under applicable law.

We do not promise that every product or service will meet personal expectations that were not stated in the applicable product or service description.

Where a service requires information, files, approvals, access credentials, brand assets or other materials from you, delays caused by failure to provide those materials may affect the service delivery date.

SECTION 3. DIGITAL PRODUCTS

Digital products are supplied electronically.

Unless a product page states otherwise, eligible digital products are intended to be delivered automatically after successful payment through the delivery system connected to our Shopify store.

You are responsible for ensuring that the email address supplied during checkout is correct and that your device and software can receive, download, open and use the purchased files.

Where a digital product includes templates, documents, spreadsheets, graphics, editable files, instructions or other downloadable materials, the exact file types and included materials will be described on the applicable product page.

A digital product does not include ongoing technical support, customisation, editing or professional services unless the product description expressly states otherwise.

Where a download link fails to work or a purchased file is materially inaccessible because of a technical problem caused by our delivery system, contact us at hello@blessingmdigital.co.za so that we can investigate and, where appropriate, provide a working replacement or reasonable solution.

SECTION 4. DIGITAL PRODUCT LICENCE

Unless a product page or separate written agreement states otherwise, purchasing a digital product gives you a limited, non-exclusive, non-transferable licence to use the purchased files for your own personal use.

You may use purchased templates or documents to create your own personal or professional materials where the product description allows such use.

You may modify purchased files for your own permitted use.

You may not resell, sublicense, redistribute, share, upload, publish, transfer, reproduce or commercially distribute the original files or substantially similar copies of the purchased digital products.

You may not use our digital products to create a competing template library, competing digital-product business or substantially similar product for resale.

You may not make purchased digital files publicly available through websites, file-sharing services, social media, messaging groups, marketplaces or other distribution channels.

You may not remove copyright, ownership, licensing or attribution information contained in our products where such information forms part of the product.

The purchase of a digital product does not transfer ownership of Blessing M Digital’s underlying intellectual property.

SECTION 5. SERVICES

Where you purchase a service from Blessing M Digital, the specific service scope, deliverables, price, timeline, revision allowance and other project terms may be stated on the service page, quotation, invoice, proposal, order confirmation or written agreement.

Where a deposit or upfront payment is required, the required amount must be paid before work begins.

A service deposit is non-refundable to the extent permitted by applicable law, subject to any statutory cancellation, cooling-off, consumer or other legal rights that may apply.

Where work has already started, cancellation may result in charges for work already completed, committed third-party costs, or other amounts lawfully payable.

We may require you to provide content, information, files, approvals, account access or other materials before work can begin or continue.

Project timelines may be affected where required information, feedback or approvals are delayed.

We will make reasonable efforts to meet agreed timelines. Timelines may change where you request changes, provide materials late, delay approvals, or where circumstances outside our reasonable control affect the project.

SECTION 6. REVISIONS

Where a service includes a stated number of revisions, the included revision allowance will be the number specified on the applicable service listing, quotation, proposal or order.

A revision means a reasonable change to work already supplied within the agreed project scope.

A request that materially changes the original brief, adds new deliverables, introduces a new concept, requires substantial redevelopment, or expands the original scope may be treated as additional work.

Additional work or revisions beyond the included allowance may attract additional charges.

SECTION 7. ORDERS AND ACCEPTANCE

When you submit an order, you are making an offer to purchase the relevant product or service.

An order is accepted when we confirm acceptance of the order or begin fulfilling the order, subject to applicable law.

We may decline or cancel an order where there is a legitimate reason, including suspected fraud, payment failure, obvious pricing errors, technical errors, product unavailability or misuse of the Services.

Where an order is cancelled after payment, we will process any refund that is legally required or otherwise agreed.

You should carefully review your order before completing payment.

Where available, our checkout process will allow you to review your order and correct information before final submission.

SECTION 8. PRICES AND PAYMENT

All prices are displayed in South African rand unless otherwise stated.

Blessing M Digital is not currently registered for VAT. We will not charge VAT unless our tax registration status changes or applicable law requires otherwise.

Prices, discounts and promotional offers may change without notice before purchase.

The price applicable to your purchase is the price displayed at the time you place the order, subject to correction of obvious errors and any rights you have under applicable law.

Available payment methods may include PayFast, Paystack, Shopify Payments and electronic funds transfer.

Payment methods may change from time to time based on availability, technical requirements, payment-provider requirements or other circumstances.

Third-party payment providers process payments according to their own terms, security procedures and privacy practices.

You authorise the relevant payment provider to process the payment selected during checkout.

You must provide accurate payment and billing information.

You must not use a payment method without proper authorisation.

We reserve the right to delay fulfilment where payment has not been successfully confirmed.

For EFT payments, an order may remain pending until cleared funds have been received and verified.

SECTION 9. PAYMENT PROVIDERS

Payments may be processed through independent third-party providers, including PayFast, Paystack and Shopify Payments.

These providers may collect and process payment, identity, transaction, fraud-prevention and related information according to their own terms and privacy policies.

Blessing M Digital does not control the internal operation, availability or security of independent payment-provider systems.

Where a payment provider experiences an outage, delay, error or rejection, we may be unable to complete or immediately fulfil the relevant transaction.

Nothing in this section limits rights or remedies that applicable law gives you against Blessing M Digital.

SECTION 10. DELIVERY AND SERVICE TIMES

Blessing M Digital currently provides digital products and services and does not currently sell physical products through the website.

Digital products are normally delivered electronically after successful payment, subject to the applicable product description and payment confirmation.

Service delivery timelines will be stated on the applicable service page, quotation, proposal, invoice, order confirmation or written agreement.

Where a service has no fixed delivery date, we will provide the expected timeframe after receiving the information and materials reasonably required to begin the work.

We are not responsible for delays caused by circumstances outside our reasonable control, including third-party platform outages, payment-provider failures, internet disruptions, power interruptions, loss of access to third-party accounts, delayed customer feedback, delayed approvals or failure to provide required materials.

SECTION 11. REFUNDS AND CANCELLATIONS

Refund requests are handled according to our Refund Policy, together with any rights and remedies provided by applicable South African law.

Our Refund Policy forms part of these Terms.

Nothing in our Refund Policy or these Terms is intended to remove or reduce a consumer right that cannot lawfully be excluded.

For digital products, refund requests may be assessed case by case based on the circumstances, the nature of the product, whether the product has been accessed or downloaded, technical problems, duplicate purchases, payment errors and applicable legal rights.

For services, cancellation and refund treatment may depend on whether work has started, the amount of work completed, the agreed project scope, deposits paid, committed third-party costs and applicable legal requirements.

A deposit is non-refundable to the extent permitted by applicable law, subject to any statutory rights that may apply.

Where a consumer has a statutory cancellation, cooling-off or refund right, that right will apply regardless of any contrary wording in these Terms.

SECTION 12. STATUTORY CONSUMER RIGHTS

Nothing in these Terms limits rights provided under the Consumer Protection Act 68 of 2008, the Electronic Communications and Transactions Act 25 of 2002, the Protection of Personal Information Act 4 of 2013, or other applicable South African law where such rights cannot lawfully be limited.

For electronic transactions, applicable ECTA provisions may provide consumers with rights concerning information disclosure, transaction records, cancellation and cooling-off periods.

Where services begin before the expiry of an applicable cooling-off period at your express request and applicable law permits the relevant statutory exception, the relevant legal consequences may apply.

Where a statutory right applies, that statutory right takes priority over any inconsistent provision in these Terms.

SECTION 13. CONSUMER INFORMATION AND ELECTRONIC TRANSACTIONS

Before completing an electronic transaction, you should review the relevant product or service information, price, applicable charges, payment method, terms, refund information and other material transaction information made available through our website.

Where applicable, our checkout process provides an opportunity to review the transaction and correct errors before final submission.

Transaction confirmations, invoices, receipts and related electronic records may be delivered by email or through your Shopify customer account where such functionality is available.

You should retain copies of your order confirmation, invoice, receipt and these Terms.

You may request assistance regarding transaction records by contacting hello@blessingmdigital.co.za.

SECTION 14. MARKETING COMMUNICATIONS

We may send marketing communications, promotional offers, product announcements, educational communications and other commercial communications where permitted by applicable law.

Where consent is legally required for electronic direct marketing, we will seek and rely on the appropriate consent or other lawful basis.

You may unsubscribe from marketing communications using the unsubscribe mechanism included in the relevant communication or by contacting hello@blessingmdigital.co.za.

Unsubscribing from marketing communications does not prevent us from sending necessary transactional, account, order, payment, security or service-related communications.

SECTION 15. PRIVACY AND PERSONAL INFORMATION

Personal information collected through our Services is handled in accordance with our Privacy Policy.

Our Privacy Policy forms part of these Terms and explains how we collect, use, store, disclose and protect personal information.

Blessing M Digital may process personal information for purposes including processing orders, providing services, delivering digital products, processing payments, preventing fraud, communicating with customers, providing support, improving our Services, complying with legal obligations and conducting lawful marketing.

Shopify and other third-party service providers may process personal information on our behalf or as independent service providers.

Payment providers, ecommerce providers, analytics services, email services and other technology providers may process information in countries outside South Africa where their systems operate.

Personal information may therefore be transferred across borders where permitted by applicable law and subject to appropriate legal requirements.

Our processing of personal information is subject to POPIA and other applicable privacy laws.

You may exercise applicable data-subject rights by contacting hello@blessingmdigital.co.za.

Our Privacy Policy should be read together with these Terms.

SECTION 16. INTELLECTUAL PROPERTY

Unless expressly stated otherwise, the Services and all content made available through the Services are owned by or licensed to Blessing M Digital.

This may include text, logos, branding, names, graphics, images, videos, audio, layouts, website designs, templates, documents, downloadable files, product previews, service materials, written materials, software-related materials and other content.

You may not reproduce, distribute, publish, sell, licence, sublicense, modify, scrape, copy, publicly display, transmit or commercially exploit our content except as expressly permitted by these Terms, the applicable product licence or our prior written permission.

Blessing M Digital retains all intellectual property rights not expressly granted to you.

Any third-party trademarks or content displayed through our Services belong to their respective owners.

Shopify and its related names, logos and marks belong to Shopify or its relevant owners.

Other third-party names and trademarks belong to their respective owners.

Nothing in these Terms transfers ownership of our trademarks, copyright, designs, templates, systems or other intellectual property to you.

SECTION 17. CUSTOM WORK AND CLIENT MATERIALS

Where you provide content, photographs, logos, text, videos, documents, trademarks or other materials for use in a project, you confirm that you have the necessary rights or permission to provide and use those materials.

You grant Blessing M Digital permission to use customer-provided materials only as reasonably required to provide the purchased service.

You remain responsible for ensuring that materials supplied by you do not infringe the rights of another person.

Unless a separate written agreement states otherwise, payment for a completed custom service does not automatically transfer ownership of Blessing M Digital's underlying systems, templates, reusable assets, methods, processes, source materials or pre-existing intellectual property.

Where final client deliverables are expressly sold with ownership or usage rights, the relevant quotation, proposal, invoice or agreement will govern those rights.

SECTION 18. FEEDBACK AND REVIEWS

If you voluntarily submit reviews, testimonials, suggestions, comments, ideas or other feedback about our Services, you grant Blessing M Digital a non-exclusive, worldwide, royalty-free licence to use, reproduce, publish, edit and display that feedback for legitimate business purposes, including improving and promoting our Services.

We will not knowingly represent a fabricated customer review as genuine feedback from a real customer.

You remain responsible for the content of any review or feedback you submit.

You must not submit unlawful, defamatory, fraudulent, abusive, obscene or misleading content or content that infringes another person's intellectual property, privacy or other rights.

We may remove or refuse to publish feedback that violates applicable law, these Terms or reasonable platform rules.

SECTION 19. THIRD-PARTY SERVICES AND LINKS

Our Services may contain links, integrations, applications, payment systems, embedded functions or other services operated by third parties.

Third-party services may include Shopify, payment providers, analytics services, email platforms, communication platforms, hosting providers, social media platforms and other service providers.

We do not control third-party services and cannot guarantee their availability, accuracy, security or uninterrupted operation.

Your use of a third-party service is subject to that provider's terms and policies.

We are not responsible for losses caused solely by a third-party service where we have no reasonable control over the relevant event, subject to applicable law.

SECTION 20. OPTIONAL TOOLS

We may provide access to optional third-party tools, applications or integrations.

These tools may be provided by independent providers.

Where we provide access to optional tools, you are responsible for reviewing the applicable provider terms and privacy information.

We may introduce additional tools, features and integrations in the future. New tools and features will form part of the Services and will be subject to these Terms unless separate terms apply.

SECTION 21. PROHIBITED USES

You may use our Services only for lawful purposes.

You may not use our Services:

1. For unlawful, fraudulent or malicious activity.

2. To violate any applicable law, regulation or court order.

3. To infringe our intellectual property rights or the rights of another person.

4. To upload malware, viruses or other harmful code.

5. To interfere with the normal operation or security of our website.

6. To attempt unauthorised access to systems, accounts, databases or restricted areas.

7. To impersonate another person or business.

8. To submit false, fraudulent or misleading information.

9. To use stolen, unauthorised or fraudulent payment credentials.

10. To scrape, copy or systematically extract substantial portions of our website or content without permission.

11. To reverse engineer or circumvent security or access-control mechanisms.

12. To use our Services to distribute spam, phishing attempts or fraudulent communications.

13. To exploit our products, templates or content for unauthorised resale or redistribution.

14. To interfere with another customer's access to the Services.

15. To use automated systems for abusive, excessive or unauthorised access.

We may suspend, restrict or terminate access where we reasonably believe that these Terms, applicable law or the security of our Services has been