1. Acceptance

These Terms and Conditions govern your participation in the myCAhub Clubhouse WhatsApp Community and related services operated by Hoopoe Solutions (Pty) Ltd t/a myCAhub (“myCAhub”, “we”, “our” or “us”).

These Terms apply to:

• Every current or future myCAhub Clubhouse WhatsApp Community;
• Any duplicate, replacement or successor community created because of WhatsApp membership or platform limits;
• Community announcement groups;
• The myCAhub CA(SA) FAQ Centre;
• Tax, CPD, career, social, networking and other subgroups; and
• Any other group or subgroup administered under the myCAhub Clubhouse name.

By joining the Community, accepting an invitation, remaining in a group, reading or responding to messages, submitting a question, participating in a poll or otherwise interacting with the Community, you agree to these Terms.

If you do not agree to these Terms, you must leave the Community and discontinue your participation.

2. The Community

The myCAhub Clubhouse is a professional WhatsApp community intended to facilitate discussion, learning, networking, support and the sharing of practical information among Chartered Accountants, finance professionals, students and other approved participants.

The Community may contain several groups or subgroups, each with its own topic, purpose, rules, administrators, community leads or contributors.

myCAhub may at any time:

• Create, rename, combine, divide or close groups;
• Move members between groups or separate Community instances;
• Introduce or discontinue subgroups;
• Change the purpose or format of a group;
• Limit the number of members in a group;
• Restrict posting permissions; and
• Appoint or remove administrators, moderators or community leads.

Participation in the Community does not guarantee that any question will be answered or that any particular service, contributor, subgroup or feature will remain available.

3. Membership and Administrative Discretion

Membership of the Community is personal, limited and revocable.

Access to the Community is a privilege and not an automatic or permanent right.

Admission, continued membership and access to individual groups or subgroups are subject to myCAhub’s discretion and applicable law.

myCAhub may refuse admission, restrict participation, mute a member, remove a member, block a telephone number or deny future access where myCAhub considers this necessary to protect:

• Members;
• Administrators, moderators or contributors;
• The purpose, culture or operation of the Community;
• myCAhub’s intellectual property;
• Confidential or Personal Information;
• The security of the Community; or
• myCAhub’s legal, commercial or reputational interests.

myCAhub is not required to provide advance notice, a warning, reasons or an appeal process before removing or restricting a member.

Members may not transfer their Community access, allow another person to participate through their WhatsApp account or rejoin through another telephone number after being removed without myCAhub’s prior written permission.

4. Community Rules

Members must behave lawfully, professionally and respectfully.

You may not use the Community to:

• Harass, threaten, intimidate, bully or abuse another person;
• Publish discriminatory, hateful, abusive, offensive or inappropriate content;
• Defame another person, organisation, client or employer;
• Share deliberately false, deceptive or misleading information;
• Impersonate another person or misrepresent your identity, experience or qualifications;
• Disclose confidential employer, client, taxpayer, patient or third-party information;
• Publish identity numbers, tax numbers, banking details, passwords, payslips, private financial information or other unnecessary sensitive information;
• Share material that infringes copyright, privacy, confidentiality, trademarks or other third-party rights;
• Distribute malware, viruses, suspicious files or harmful links;
• Scrape, collect, export or compile member names, telephone numbers, profile information or messages;
• Add members to other groups, mailing lists, communities or marketing databases without their permission;
• Send unsolicited private messages, advertisements, recruitment messages or promotional material;
• Promote businesses, products, services, courses, events, fundraising campaigns, affiliate links or job opportunities without prior administrator approval;
• Use bots, automated tools, artificial intelligence systems or data-extraction tools to collect or process Community content;
• Record, screenshot, forward, reproduce or publish another member’s message outside the Community without permission;
• Use Community content to train, populate or develop an external database, artificial intelligence tool, publication, course or competing service; or
• Use the Community in any manner that creates legal, regulatory, security, operational or reputational risk for myCAhub or its members.

myCAhub may publish additional rules for specific groups or subgroups. Any such rules form part of these Terms.

5. No Professional Advice

The Community is provided for general information, discussion, support and educational purposes only.

Messages, questions, answers, Research Packs, polls, voice notes, documents and other Community content do not constitute:

• Accounting advice;
• Audit advice;
• Tax advice;
• Legal advice;
• Financial or investment advice;
• Employment or recruitment advice;
• Career advice;
• Regulatory advice;
• Medical or mental-health advice; or
• Professional advice of any kind.

The fact that a member, administrator, contributor or community lead holds a professional designation does not create a professional-client, adviser-client, accountant-client, attorney-client, fiduciary or other professional relationship.

Community content may be incomplete, inaccurate, outdated, simplified, misunderstood or based on an individual’s personal opinion or circumstances.

You remain responsible for:

• Verifying information against current and official sources;
• Considering your own facts and circumstances;
• Obtaining advice from an appropriately qualified professional; and
• Making your own professional, financial, career, employment and business decisions.

You rely on Community content entirely at your own risk.

6. Member Content

“Member Content” includes any question, answer, message, comment, suggestion, idea, feedback, reaction, poll response, voice note, image, video, document, link, template or other material submitted to the Community.

By submitting Member Content, you confirm that:

• You have the right and authority to submit it;
• It does not unlawfully infringe another person’s rights;
• It does not contain information that you are prohibited from disclosing;
• It is accurate to the best of your knowledge where it is presented as factual; and
• Its use in accordance with these Terms will not breach any duty owed to another person.

You remain responsible for the Member Content you submit.

myCAhub is not required to review, verify, approve, publish, retain or preserve Member Content and may edit, hide, remove or decline to use Member Content at any time.

7. Licence Granted to myCAhub

By submitting Member Content, you grant myCAhub a perpetual, irrevocable, worldwide, royalty-free, non-exclusive, transferable and sublicensable licence to:

• Store;
• Review;
• Reproduce;
• Copy;
• Edit;
• Correct;
• Summarise;
• Anonymise;
• De-identify;
• Adapt;
• Translate;
• Combine;
• Categorise;
• Analyse;
• Verify;
• Publish;
• Distribute;
• Display;
• Communicate;
• Create derivative works from;
• Include in databases or knowledge bases; and
• Use for commercial or non-commercial purposes.

This licence allows myCAhub to use Member Content in connection with:

• The myCAhub CA(SA) FAQ Centre;
• FAQ questions and answers;
• Research Packs;
• Articles and newsletters;
• Community summaries;
• Polls and surveys;
• Infographics and social media content;
• Training and educational materials;
• Databases and knowledge bases;
• Websites, applications and digital platforms; and
• Existing or future myCAhub products and services.

myCAhub may use individual questions, recurring themes, discussion insights and answers to develop its own independently researched, verified, edited, expanded or reformatted content.

No payment, royalty, ownership interest or future compensation will be payable to a member because their Member Content, question, answer, idea, suggestion or feedback contributed to the development of a myCAhub resource, product or service.

myCAhub may use Member Content without attribution.

Where reasonably possible, public-facing content derived from Community discussions will not include a member’s telephone number or directly identify the member unless:

• The member has provided consent;
• Attribution was expressly requested or agreed;
• The information was deliberately submitted for public attribution; or
• Disclosure is required or permitted by law.

Members retain ownership of their original Member Content, subject to the licence granted to myCAhub under these Terms.

The licence granted under this section continues after a member leaves or is removed from the Community.

Deleting a WhatsApp message or leaving the Community does not revoke any rights already granted to myCAhub.

Subject to applicable law, myCAhub is not required to delete anonymised, aggregated, incorporated or derivative materials that no longer directly identify the member.

8. myCAhub Intellectual Property

myCAhub owns all rights, title and interest in its:

• Name, logos and branding;
• Community structure and administration;
• myCAhub CA(SA) FAQ Centre;
• Research Packs;
• Curated questions and answers;
• Edited and verified responses;
• Discussion summaries;
• Community insights;
• Databases and knowledge bases;
• Polls and reports;
• Templates and frameworks;
• Graphics and infographics;
• Training and educational materials;
• Content strategies;
• Categorisation, compilation and presentation of information;
• Websites, software and digital products; and
• Adaptations, updates and derivative works.

Where information originates from Community discussions, myCAhub owns the selection, research, verification, editing, arrangement, categorisation, design, compilation and presentation created by or for myCAhub, to the extent protected by law.

All FAQ responses, Research Packs, articles, summaries, reports, databases and other materials created by myCAhub or commissioned by myCAhub remain the exclusive property of myCAhub.

Participation in the Community grants members a limited, revocable, non-exclusive and non-transferable right to view and use Community materials for their own personal and non-commercial purposes.

Without myCAhub’s prior written permission, members may not:

• Copy or reproduce myCAhub content;
• Forward Research Packs, paid resources or member-only materials;
• Republish Community discussions;
• Take or distribute screenshots;
• Screen-record or otherwise record Community content;
• Download or export substantial amounts of content;
• Scrape, extract or data-mine the Community;
• Upload myCAhub content into an artificial intelligence or machine-learning system;
• Sell, license or commercially exploit the content;
• Use the content to create a competing FAQ centre, database, research service, publication, course or community;
• Remove myCAhub branding, copyright notices or ownership notices; or
• Present myCAhub content as their own work.

Unauthorised copying, distribution or commercial exploitation may result in removal from the Community and legal action.

9. Contributors, Administrators and Community Leads

myCAhub may appoint administrators, moderators, researchers, experts, community leads and other contributors.

The appointment of a contributor does not guarantee the accuracy, availability or completeness of their responses.

Unless expressly authorised in writing, no administrator, moderator, contributor or community lead may enter into an agreement or make a binding commitment on behalf of myCAhub.

Contributors may be subject to separate service provider, confidentiality, intellectual-property or copyright-assignment agreements.

Where a separate signed agreement applies to content created by a contributor, the intellectual-property provisions of that agreement will prevail over these general Terms to the extent of any conflict.

10. Privacy and WhatsApp Visibility

The Community operates through WhatsApp, which is a third-party platform operated independently of myCAhub.

Your use of WhatsApp remains subject to WhatsApp’s own terms, policies, security measures, functionality and privacy practices.

Depending on WhatsApp’s functionality and your own privacy settings, other participants or administrators may be able to view information including your:

• Telephone number;
• Profile name;
• Profile photograph;
• Status or “about” information;
• Messages, reactions and Community activity; and
• Participation in particular groups or subgroups.

By joining the Community, you acknowledge that this information may be visible to other participants.

You must not join or remain in the Community if you are unwilling for the information displayed by WhatsApp to be visible in this manner.

myCAhub may process information available to it for purposes including:

• Administering membership;
• Communicating with members;
• Managing groups and subgroups;
• Answering questions;
• Moderating discussions;
• Protecting members and Community security;
• Investigating possible misconduct;
• Enforcing these Terms;
• Creating anonymised insights and content for the myCAhub CA(SA) FAQ Centre;
• Improving myCAhub products and services; and
• Complying with legal and regulatory obligations.

Further information regarding the processing of Personal Information is available in the myCAhub Clubhouse WhatsApp Community Privacy Policy.

11. Confidentiality and Member Safety

The Community must not be treated as a confidential communication channel.

Although myCAhub prohibits unauthorised sharing, myCAhub cannot guarantee that another member will not:

• Take a screenshot;
• Copy or forward a message;
• Save a document;
• Record or forward a voice note;
• Contact a member privately; or
• Disclose information outside the Community.

Members should not submit information that they would not be comfortable being seen or retained by other participants.

Members are solely responsible for redacting confidential, private or unnecessary Personal Information before posting.

myCAhub is not responsible for another member’s unauthorised disclosure or misuse of information.

Suspected harassment, fraud, inappropriate private messaging or misuse of member information should be reported to a Community administrator or emailed to info@myCAhub.co.za.

12. Sponsored Content and Commercial Partnerships

myCAhub may enter into sponsorship, advertising, promotional, affiliate, referral, partnership or other commercial arrangements relating to the Community.

myCAhub retains the right to publish, distribute or facilitate sponsored or commercial content within any Community, group or subgroup, including:

• Sponsored posts;
• Paid announcements;
• Advertisements;
• Branded content;
• Partner messages;
• Event promotions;
• Product or service promotions;
• Special offers or discounts;
• Affiliate or referral links;
• Competitions and giveaways; and
• Other approved commercial communications.

myCAhub may receive payment, commission, services, products, promotional benefits or other consideration in connection with sponsored content or commercial partnerships.

myCAhub retains sole discretion regarding:

• Whether to accept or reject a sponsor or commercial partner;
• The nature and format of sponsored content;
• The groups or subgroups in which sponsored content is published;
• The timing, frequency, placement and duration of sponsored content;
• The wording, branding and presentation of sponsored content; and
• Whether sponsored content is edited, removed, repeated or discontinued.

Where required by applicable law or considered appropriate by myCAhub, sponsored content may be identified using wording such as “Sponsored”, “Advertisement”, “Paid Partnership” or similar wording.

The publication of sponsored content does not necessarily mean that myCAhub independently verifies, guarantees, recommends or endorses the sponsor or its products, services, claims or offers, unless myCAhub expressly states otherwise.

Members remain responsible for conducting their own enquiries and due diligence before relying on, purchasing or engaging with any sponsored product, service, offer or opportunity.

Members are not entitled to receive any portion of sponsorship, advertising, referral, affiliate or other commercial revenue earned by myCAhub as a result of operating the Community.

The restrictions on unauthorised advertising and promotion by members do not limit myCAhub’s right to publish its own commercial communications or content from sponsors and commercial partners approved by myCAhub.

13. Third-Party Links, Services and Member Dealings

Members, sponsors, commercial partners or myCAhub may share links, recommendations, opportunities or information relating to third-party services.

Unless expressly stated otherwise, myCAhub does not:

• Guarantee third-party products or services;
• Verify every external link;
• Guarantee the legitimacy, accuracy or availability of an opportunity;
• Act as an agent for members or third parties;
• Participate in private agreements between members; or
• Accept responsibility for services supplied by another member, sponsor, commercial partner or third party.

Any private engagement, employment discussion, referral, transaction or professional relationship entered into between members or with a third party is undertaken independently and at the members’ own risk.

Members must perform their own due diligence before sharing information, paying money, accepting employment, appointing a service provider, purchasing a product or relying on a recommendation.

14. Moderation and Enforcement

myCAhub may review and moderate Community content available to it as an administrator.

Where myCAhub believes that these Terms have been breached, myCAhub may:

• Issue a warning;
• Delete or request the deletion of content;
• Restrict posting privileges;
• Remove a member from one or more groups;
• Remove a member from the entire Community;
• Block a telephone number;
• Deny future membership;
• Preserve relevant messages, screenshots or records;
• Report conduct to WhatsApp;
• Report suspected unlawful activity to an employer, professional body, regulator or law-enforcement authority where reasonably necessary or legally required; and
• Pursue any available legal remedies.

myCAhub is not obligated to investigate every complaint or mediate disputes between members.

A failure to enforce a rule in one instance does not prevent myCAhub from enforcing it in another instance.

15. Removal and Leaving the Community

A member may leave the Community at any time by exiting the relevant WhatsApp groups.

myCAhub may remove a member at any time where permitted by law, including where:

• These Terms or group-specific rules are breached;
• The member causes disruption, hostility or repeated conflict;
• Another member’s safety or privacy is threatened;
• Unauthorised advertising or private solicitation occurs;
• Community content or member information is copied, scraped or extracted;
• Fraud, impersonation, dishonesty or misrepresentation is suspected;
• Continued participation creates legal, regulatory, operational, security or reputational risk; or
• Removal is otherwise considered reasonably necessary for the proper management of the Community.

Removal from the Community does not affect:

• Rights or licences already granted to myCAhub;
• myCAhub’s ownership of its Community materials;
• Any legal rights arising before removal; or
• Any provisions of these Terms intended to continue after membership ends.

16. Availability and Changes to the Community

The Community is provided on an “as-is” and “as-available” basis.

myCAhub does not guarantee uninterrupted access or that the Community will be free from:

• Platform outages;
• Delays;
• Technical faults;
• Security incidents;
• Message loss;
• WhatsApp feature changes;
• Membership-capacity limits;
• Group closures; or
• Administrative errors.

myCAhub may modify, suspend, restructure or discontinue all or part of the Community at any time.

myCAhub is not responsible for changes, restrictions, suspensions or interruptions imposed by WhatsApp, Meta, telecommunications providers or other third parties.

17. Limitation of Liability

To the maximum extent permitted by law, myCAhub and its directors, employees, contractors, administrators, contributors, community leads, agents and affiliates will not be liable for any loss, damage, claim, cost or expense arising from:

• Participation in or removal from the Community;
• Reliance on Community content;
• Incorrect, incomplete or outdated information;
• Professional, business, tax, financial, career or employment decisions;
• The conduct of another member;
• Private communications or transactions between members;
• Unauthorised screenshots, copying, recording or disclosure;
• Fraudulent messages, links or opportunities;
• Sponsored content or third-party advertisements;
• Products, services, offers or claims made by sponsors or commercial partners;
• Loss of messages, documents or data;
• WhatsApp outages, security incidents or platform changes;
• Viruses, malware or harmful third-party links;
• A failure to answer a question; or
• The closure, restructuring or discontinuation of a group or subgroup.

myCAhub will not be liable for indirect, incidental, special or consequential loss, loss of profit, loss of opportunity, reputational harm or business interruption.

Nothing in these Terms excludes or limits any liability that may not lawfully be excluded or limited under applicable South African law.

18. Indemnity

To the maximum extent permitted by law, you agree to indemnify and hold harmless myCAhub, its directors, employees, contractors, administrators, community leads, contributors, agents and affiliates from claims, losses, liabilities, damages, penalties, costs and reasonable legal expenses arising from:

• Your breach of these Terms;
• Your Member Content;
• Your infringement of another person’s rights;
• Your unlawful or improper use of the Community;
• Your disclosure of confidential or Personal Information;
• Your private dealings with another member or third party; or
• Any misrepresentation made by you.

19. Governing Law and General Terms

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

Any dispute arising from or relating to these Terms or the Community will be subject to the jurisdiction of the competent South African courts.

If any provision is found to be unlawful, invalid or unenforceable, that provision will be amended to the minimum extent necessary or severed without affecting the remaining provisions.

These Terms, together with the myCAhub Clubhouse WhatsApp Community Privacy Policy and any applicable group-specific rules, constitute the agreement between myCAhub and the member regarding participation in the Community.

A failure or delay by myCAhub to enforce a provision does not constitute a waiver of that provision.

Members may not transfer their rights under these Terms without myCAhub’s prior written permission.

myCAhub may transfer its rights and obligations to an affiliate, purchaser, successor or entity acquiring all or part of the Community or myCAhub business.

20. Changes to These Terms

myCAhub may update these Terms from time to time.

Material changes may be communicated through:

• A Community announcement;
• A message posted in a group or subgroup;
• The myCAhub website;
• Email; or
• Another reasonable communication method.

The updated date displayed at the top of these Terms will indicate when the latest version took effect.

Your continued participation after updated Terms have been communicated constitutes acceptance of the updated Terms.

If you do not agree to an updated version, you must leave the Community.

21. Contact Information

Questions, complaints, intellectual-property concerns or reports of misconduct may be submitted to:

Email: info@myCAhub.co.za