Terms and Conditions

Effective Date: 15 October 2026

  1. General

Welcome to Finance with Gary.

This website is operated by Gary John Forster, trading as Finance with Gary, an independent South African business specialising in financial education publications and related merchandise.

By accessing our website or purchasing products, customers agree to these Terms and Conditions, subject to their rights under applicable South African law.

  1. Products

Our online store offers products that may include:

  • Financial education books.
  • Business education books.
  • Book bundles and promotional packages.
  • Personally signed books.
  • Branded pens, notebooks and stationery.
  • Other educational and promotional merchandise.

Product descriptions and images are provided to assist customers in making informed purchasing decisions.

  1. Pricing

All prices are displayed in South African Rand (ZAR).

Product prices will clearly indicate whether VAT is included or applicable. VAT will only be charged where legally required.

Shipping charges, where applicable, will be displayed before checkout.

We reserve the right to amend prices and product offerings without prior notice. Confirmed orders remain subject to applicable consumer rights.

  1. Orders and Payment

Orders are processed following confirmation of payment.

Payments may be made using the payment methods available on the website, including PayFast and other approved payment options.

Customers will receive an order confirmation using the contact information provided during checkout.

Orders remain subject to product availability.

  1. Shipping and Delivery

We deliver products throughout supported destinations in South Africa.

Shipping costs and estimated delivery times will be communicated during checkout.

Customers may also arrange collection by prior appointment, where this option is available.

Please refer to our Shipping and Delivery Policy for further details.

  1. Returns and Refunds

Returns, refunds and cancellations are governed by our Returns, Refunds and Cancellations Policy and applicable South African consumer legislation.

Nothing in these Terms and Conditions limits or excludes statutory consumer rights.

  1. Intellectual Property and Copyright

All original books, educational materials, written content, designs, graphics and Finance with Gary branding are protected by applicable intellectual property laws.

No material may be copied, reproduced, distributed, republished or commercially exploited without prior written permission, except as permitted by law.

  1. Educational Disclaimer

The information contained in Finance with Gary publications and website content is intended for general educational and informational purposes.

It does not constitute personalised financial, investment, tax, accounting or legal advice.

Readers should consult appropriately qualified professionals before making decisions based on their individual circumstances.

  1. Website Availability

We endeavour to maintain a secure and reliable website but cannot guarantee uninterrupted availability.

We are not responsible for circumstances beyond our reasonable control, subject to applicable consumer protection legislation.

  1. Governing Law

These Terms and Conditions are governed by the laws of the Republic of South Africa.

  1. Contact Information

Finance with Gary
Proprietor: Gary John Forster
Location: Randpark Ridge, Johannesburg, South Africa
Email: [email protected]