Terms And Conditions


  1. Detailed description of goods and/or services
    The JOY Matrix is a business in the education industry that offers online education facilitation .
  2. Delivery policy

    Subject to availability and receipt of payment, requests will be processed within 30 days and delivery confirmed by way of email.

  1. Return and Refunds policy

    The provision of goods and services by The JOY Matrix is subject to availability. In cases of unavailability, The JOY Matrix will refund the

    client in full within 30 days. Cancellation of orders by the client will attract a 10% administration fee.

  2. Customer Privacy policy
    The JOY Matrix shall take all reasonable steps to protect the personal information of users. For the purpose of this clause, “personal information” shall be defined as detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA). The PAIA may be downloaded from: .
  3. Payment options accepted
    Payment may be made via Visa and MasterCard.
  4. Card acquiring and security
    Card transactions will be acquired for The JOY Matrix via PayGate (Pty) Ltd who are the approved payment gateway for all South African Acquiring Banks. PayGate uses the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no Card details are stored on the website. Users may go to to view their security certificate and security policy.
  5. Customer details separate from card details
    Customer details will be stored by The JOY Matrix separately from card details which are entered by the client on PayGate’s secure site. For more detail on PayGate refer to
  6. Merchant Outlet country and transaction currency
    The merchant outlet country at the time of presenting payment options to the cardholder is South Africa. The transaction currency is South African Rand (ZAR).
  7. Responsibility
    The JOY Matrix takes responsibility for all aspects relating to the transaction including sale of goods and services sold on this website, customer service and support, dispute resolution and delivery of goods.
  8. Country of domicile
    This website is governed by the laws of South Africa and The JOY Matrix chooses as its domicilium citandi et executandi for all purposes under this agreement, whether in respect of court process, notice, or other documents or communication of whatsoever nature.
  9. Variation
    (Your Company) may, in its sole discretion, change this agreement or any part thereof at any time without notice.
  10. Company information
    This website is run by The JOY Matrix (sole trader / private company / close corporation) based in South Africa trading as The JOY Matrix and with  and Rose Scott Director.
  11. The JOY Matrix contact details
Made with JOY by DigitalStartup Agency © The Joy Matrix. All rights reserved.

Setup Menus in Admin Panel