TaxFlow SA
Provisional tax made simple
Back Privacy policy
Last updated: May 2026

TaxFlow SA

TaxFlow SA is a provisional tax tracking tool built for independent income earners in South Africa. We are committed to protecting your personal and financial information in accordance with the Protection of Personal Information Act (POPIA) No. 4 of 2013.

What we collect

We collect the information you provide directly: your name, email address, South African ID number (optional), SARS tax reference number (optional), date of birth (used only for correct tax rebate calculations), income and expense transaction data, and receipt documents you upload.

How we use your data

Your data is used solely to calculate your provisional tax liability, generate IRP6 estimates, and produce reports for your own use. We do not sell, share, or transfer your data to any third party. Your financial data is never used for advertising or profiling.

Where your data is stored

Your data is stored securely on Supabase infrastructure located in the EU West region. All data is encrypted in transit (TLS) and at rest. Receipt documents are stored in encrypted cloud storage and are accessible only by you.

AI features

When you use the AI Tax Advisor or income stream classifier, your tax summary data is sent to Anthropic's Claude API to generate a response. This data is subject to Anthropic's privacy policy. No data is sent to AI services without your explicit action (tapping Send or Suggest).

Your rights (POPIA)

You have the right to access, correct, or delete your personal information at any time. To request deletion of your account and all associated data, contact us at privacy@taxflow.co.za. We will process your request within 30 days.

Cookies and tracking

TaxFlow SA does not use advertising cookies or third-party tracking. We use a session token stored in your browser's local storage solely to keep you signed in. No analytics or behavioural tracking is performed.

Contact

For any privacy-related queries or to exercise your POPIA rights, contact: privacy@taxflow.co.za

TaxFlow SA
Smart provisional tax tracking for independent earners.
By signing up you agree to our Privacy Policy
Back Terms of use Read to continue
Before you create an account

Please read and accept these terms carefully. TaxFlow SA is a tax administration tool — not a registered tax practitioner. Your continued use of this app constitutes acceptance of these terms.

1. Nature of the service

TaxFlow SA is a digital tax administration and record-keeping tool designed to assist provisional taxpayers in South Africa with organising their income, expenses and tax-related information. The app provides estimates and calculations based on information you enter and publicly available SARS tax tables.

TaxFlow SA is not a registered tax practitioner, tax consultant, accountant, or financial adviser as defined under the Tax Administration Act 28 of 2011, the Income Tax Act 58 of 1962, or any applicable South African legislation. Nothing in this application constitutes tax advice, legal advice, financial advice, or a professional opinion.

2. Not a replacement for professional advice

The primary purpose of TaxFlow SA is to simplify the administrative process of gathering, organising and presenting financial records to a qualified tax practitioner or accountant for the purposes of completing and submitting tax returns and provisional tax (IRP6) submissions to SARS.

You are strongly advised to have all tax submissions reviewed and filed by a registered tax practitioner who is a member of a recognised controlling body under the Tax Administration Act. The figures and estimates produced by TaxFlow SA serve as a guideline only and must not be submitted to SARS without independent professional verification.

3. Accuracy of estimates and calculations

All tax calculations, estimates, IRP6 projections, rebate calculations and penalty-free amount analyses provided by TaxFlow SA are based on:

  • Information entered by you, the user
  • Publicly available SARS tax tables and rates
  • Assumptions built into the software at the time of development

TaxFlow SA makes no warranty, express or implied, regarding the accuracy, completeness or fitness for purpose of any calculation, estimate or figure produced by the application. SARS tax legislation changes regularly. It is your responsibility to ensure that any figures submitted to SARS reflect current legislation.

4. Limitation of liability

To the maximum extent permitted by South African law, TaxFlow SA, its owners, directors, employees, developers and agents shall not be liable for any loss, damage, penalty, interest, under-payment, over-payment or adverse outcome of any kind arising from:

  • Reliance on any estimate, calculation or figure produced by TaxFlow SA
  • Incorrect, incomplete or inaccurate information entered by the user
  • Any SARS audit, assessment, penalty or interest imposed as a result of a tax submission
  • Delays in updating the application to reflect changes in tax legislation
  • Technical errors, system downtime or data loss
  • Decisions made by the user or their representatives based on information in the app

This limitation applies whether the claim arises in contract, delict, statute or any other legal basis, and even if TaxFlow SA has been advised of the possibility of such loss or damage.

5. User responsibilities

By using TaxFlow SA you acknowledge and agree that you are solely responsible for:

  • The accuracy and completeness of all information you enter into the application
  • Ensuring that any tax submissions made to SARS are correct and compliant
  • Engaging a suitably qualified tax practitioner to review and submit your tax returns
  • Keeping your account credentials secure and confidential
  • Compliance with all applicable South African tax laws and regulations
  • Paying any tax, interest or penalties assessed by SARS
6. Data and privacy

Your financial data is stored securely on Supabase cloud infrastructure located in the European Union, protected by row-level security ensuring only you can access your own data. TaxFlow SA will not sell, share or disclose your personal financial information to any third party except as required by South African law.

TaxFlow SA processes personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA). By creating an account you consent to the collection and processing of your personal information for the purposes described in this agreement.

7. AI-powered features

TaxFlow SA uses artificial intelligence (Claude by Anthropic) for certain features including the AI Tax Advisor, income stream classification and payslip scanning. AI-generated content is informational only and does not constitute professional advice. AI responses may contain errors and must not be relied upon for actual tax submissions.

8. Amendments

TaxFlow SA reserves the right to amend these terms at any time. Material changes will be communicated via the application. Continued use of the app after notification of changes constitutes acceptance of the updated terms.

9. Governing law

These terms are governed by the laws of the Republic of South Africa. Any disputes arising from the use of TaxFlow SA shall be subject to the jurisdiction of the South African courts.

I understand that TaxFlow SA is a tax administration tool and not a registered tax practitioner. The estimates and calculations are guidelines only and do not constitute professional tax advice.
I acknowledge that I am solely responsible for the accuracy of information I enter, and that I will have my tax submissions reviewed by a qualified tax practitioner before filing with SARS.
I agree that TaxFlow SA and its owners shall not be liable for any SARS penalties, interest, incorrect submissions or adverse tax outcomes arising from my use of this application.
I have read and agree to the Terms of Use, including the limitation of liability and data processing provisions under POPIA.
BackCreate account
I am registering as a
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Taxpayer
Track my own income & expenses
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Tax Practitioner
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After creating your account you'll be guided to add your income streams and set up your profile.

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AI Advisor
BackNew transaction
ReferenceGenerating…
Taxable amountR 0.00
📷 Camera or 📁 choose from files
BackAttach receipt
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Tap to photograph or upload

JPG · PNG · PDF — max 10 MB

Saved as:
Saved

HomeTransactionsReceipts
HomeTax summary
Back Salary entry
Reference

Salary / PAYE entry

Capture your monthly salary details. PAYE is credited against your annual tax liability — this keeps your provisional tax top-up accurate.

Scan payslip with AI
Upload PDF or photograph — AI extracts all values automatically
Labelled "Nett Pay" at the bottom of your payslip.
Credited against your annual tax liability.
SARS taxes 80% unless you keep a logbook. Enter full amount from payslip.
Tax deductible under s.11(k).
Back Receipts
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My Clients + Link client

As a tax practitioner your account is free. Link clients using their 6-character TaxFlow code. Request access when you need to review their data.

Your clients
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Back Security & data protection
Version 1.0 · Effective May 2026

TaxFlow SA is committed to protecting your financial data.

We comply with the Protection of Personal Information Act (POPIA) and use industry-standard security infrastructure to keep your data safe.

What data we store

We store your account details (name, email, optional ID and tax numbers), your income and expense transactions, asset records, receipt files, and subscription status. We do not store your payment card details — payments are handled entirely by PayFast.

How we protect it
🔐
Database row-level security
Every row in our database has a policy that only allows your authenticated session to read or write it. No other user can ever access your data.
🔒
Encrypted storage
All data is encrypted at rest using AES-256. All data in transit uses TLS 1.2 or higher. Receipt files are only accessible via signed URLs that expire after 1 hour.
🏦
SOC 2 certified infrastructure
Your data is stored on Supabase (SOC 2 Type II certified) hosted on AWS infrastructure. The app is served via Cloudflare with built-in DDoS protection and WAF.
🚫
No session persistence
We do not store your session between logins. You sign in fresh each time. Your password is hashed using bcrypt — we never store it in plain text.
Tax practitioner access

When you link a tax practitioner, they only see your data after you explicitly approve their access request. Access is limited to 7 days per request. You can revoke access instantly from your Account screen. Practitioners have read-only access — they cannot modify or delete any of your data.

AI Advisor

The AI Advisor sends a summary of your financial totals to Anthropic's Claude API to answer your questions. Individual transaction details, supplier names and personal identifiers are not sent. AI conversations are not stored after your session ends.

Your POPIA rights
Right to access your data
Right to correct inaccurate information
Right to request deletion of your account
Right to object to processing
Right to lodge a complaint with the Information Regulator

To exercise any of these rights or to request deletion of your account, email us at taxflow@matonique.co.za. We will respond within 30 days.

Data breach notification

In the event of a data breach affecting your personal information, we will notify you by email within 72 hours and notify the Information Regulator as required by POPIA.

Third-party services
Supabase
Database & file storage · SOC 2 Type II
Cloudflare
App hosting & security · No user data shared
PayFast
Payment processing · PCI DSS compliant
Anthropic
AI Advisor · Financial totals only
Contact

Questions about this policy or your data? Email us at taxflow@matonique.co.za and we'll respond within 2 business days.

Back August payment estimate
Back Saving for SARS + Add
Cancel Record tax saving

Record money you've physically set aside for your provisional tax payment. This keeps you on track for your August IRP6 submission.

HomeAsset register
HomeAccount
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Provisional taxpayer
Tax details
ID number
Tax number
Date of birth
Age bracket
Income streams
Actions
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Recurring expenses
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Subscription
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My TaxFlow code
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Share this code with your accountant so they can link to your account
About
How the app works
Privacy policy (POPIA)
Security & data protection

TaxFlow SA — smart provisional tax tracking for independent earners. Data stored securely on Supabase EU West.

Home Recurring expenses + Add
Cancel Add recurring expense

Recurring expenses are automatically included in your tax calculations and IRP6 projections each month without needing to capture them individually.

Back Expense categories

Customise the expense categories for each income stream. These appear in the category dropdown when you capture expenses, and as separate rows in your exported report.

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Back TaxFlow Pro
TaxFlow SA Pro
R99/month
Less than one coffee a week — know exactly what you owe SARS
Cancel any time · No lock-in
What you get
Income streams
Free
1
Pro
Transactions / year
Free
20
Pro
Excel export
Free
Pro
AI tax advisor
Free
Pro
August payment estimate
Free
Pro
Saving for SARS
Free
Pro
Recurring expenses
Free
Pro

Your data is always yours — export or delete at any time regardless of plan. Downgrading to free retains all existing data but locks new entries above the free tier limits.

Secured by PayFast · Cancel any time from Account settings
Cancel Edit
← Back Add income stream
Quick add — common streams
Custom stream
CancelEdit transaction
Reference
Taxable amountR 0.00
HomeExport
Select reports
Format
Receipt pack

Download all receipts for a tax year as a single ZIP file. Each file is named with the transaction reference so your accountant can match receipts to the report.

BackAI Tax AdvisorLIVE
TaxFlow AI

I can see your full tax position in real time. Ask me anything about IRP6, penalty-free amount, RA optimisation, deductibility, or audit readiness.