SA compliance documents,
court papers, and legislation
analysed in minutes.
SmartDocAI reads your FAIS manuals, FICA RMCPs, POPIA documents, NCA agreements, and court orders — flags every risk with verified SA court case citations, runs compliance checklists, and extracts every obligation and deadline. Plain English results. No compliance consultant needed to get started.
8 legal document types. All covered.
From FSCA compliance manuals to High Court orders — every major SA legal and regulatory document, analysed against the actual legislative requirements.
FAIS Compliance Manual
FSP ComplianceIssued by: FSP / Compliance Officer
The FSCA can withdraw your FSP licence based on a non-compliant manual. Section 29 of the FAIS Act requires it to be current, accessible, and implemented.
What people miss: Outdated manuals referencing FAIS structures pre-TCF are the most common compliance deficiency found during FSCA on-site inspections.
FICA RMCP
FICA / AMLIssued by: Accountable Institution
Every accountable institution must have a current RMCP. Non-compliance with Schedule 3B carries criminal penalties of up to R10 million or 5 years' imprisonment.
What people miss: Risk appetite statements that don't distinguish between high-risk jurisdictions and domestic clients trigger FIC inspection findings every year.
Court Order / Judgment
LitigationIssued by: High Court / Magistrate's Court
Court orders carry enforceable obligations with specific deadlines. Missing a compliance date — even by one day — can result in contempt proceedings.
What people miss: Conditions precedent buried in operative paragraphs are routinely overlooked. We extract every obligation and its deadline automatically.
POPIA Compliance Document
POPIA / PrivacyIssued by: Responsible Party
The Information Regulator has demonstrated it will prosecute. R10 million penalties and 10 years' imprisonment are live SA law — not theoretical risk.
What people miss: Most POPIA policies omit the cross-border transfer restriction (s72) and the mandatory data breach notification obligation (s22) entirely.
NCA Credit Agreement
National Credit ActIssued by: Registered Credit Provider
The NCA voids non-compliant credit agreements entirely. Section 89 sets aside the agreement and the credit provider loses the right to recover any amount.
What people miss: Prescribed maximum interest rates differ by agreement type (mortgage, credit facility, unsecured). Most NCA violations we find are in the fee schedules.
Regulatory / Supervisory Report
RegulatoryIssued by: FSCA / Prudential Authority / NCR
Regulatory correspondence carries binding action points and response deadlines. Ignoring even informal regulatory communication triggers escalation.
What people miss: Remediation timelines in supervisory findings are usually shorter than recipients realise — 30 days is common, 14 days not unusual.
Employment Equity Plan
EEAIssued by: Designated Employer
EEA 2 reporting non-compliance carries fines of up to R1.5 million. Equity plans that fail to set numerical targets are invalid under the 2022 amendments.
What people miss: The 2022 EEA amendments introduced sector targets enforceable from 1 September 2025. Most plans haven't been updated to reflect the new sector benchmarks.
Legislation / Regulation
StatutoryIssued by: Government Gazette
Commencement dates, exemptions, and regulations that supplement an Act are frequently missed. An Act without its supporting regulations is half a picture.
What people miss: Schedules and annexures to legislation carry the same binding force as the main Act — but are rarely read with the same attention.
How it works
Three steps. Instant results.
Upload your document
PDF, DOCX, DOC, or TXT. Our classifier identifies the document type automatically — no need to label it. Court orders, compliance manuals, FAIS documents, NCA agreements — all handled.
Instant SA legal analysis
We check for red flags citing verified SA court cases, extract all obligations and deadlines, run compliance checklists against FAIS, FICA, POPIA, and NCA requirements, and calculate your risk exposure.
Plain-language results
No legal jargon. Every finding is explained in plain English with the specific Act section, the penalty, and what to do about it. Use Ask the Document to get answers in your own words.
What you get from every analysis
14 structured outputs per document — plus Ask the Document, so you can get answers to specific compliance questions in your own words.
Red Flags with Case Law
Every risk flag is paired with a verified SA court case and the specific statutory consequence.
Compliance Checklists
FAIS, FICA, POPIA, NCA, and EEA checklists — scored against the actual legislative requirements.
Obligation Timeline
Every obligation sorted by deadline — response windows, filing deadlines, and regulatory timeframes.
Favourability Score
How balanced is this document against SA legal standards? Who does it favour, and on which clauses?
Missing Clauses
Clauses the document should contain under SA law but doesn't — flagged with the relevant section.
Regulatory Risk Score
Quantified regulatory exposure by area — FAIS, FICA, POPIA, NCA — scored and ranked by severity.
Ask the Document
Chat directly with your uploaded document. Ask anything — "Is this FAIS manual current?" or "What does this court order require me to do by Friday?" — answered using SA legal context.
Every risk flag cites a real SA court case.
SmartDocAI is the only SA legal document platform that references verified South African court cases alongside every risk flag it raises. Each citation includes the case name, official SA citation, court, year, and the specific legal principle — explained in plain English.
43
verified SA court cases in the database
37
unique flag IDs with case law attached
25
flags with specific statutory penalty amounts
Legal document bundles
Credits work across all SmartDocAI modules — Legal, Business, and Estate Administration.
Starter
Cover a FAIS manual, FICA RMCP, and two supporting documents.
R150 / doc
Buy StarterCompliance Pack
Full suite — FAIS, FICA, POPIA, NCA, and court correspondence.
R125 / doc
Buy Compliance PackFrequently asked questions
Is this legal advice?
No. SmartDocAI provides information and analysis — not legal advice. We help you understand what your documents mean and what SA law requires. For advice specific to your situation, consult a qualified South African attorney or compliance officer.
Which legal and compliance documents can you analyse?
FAIS compliance manuals, FICA RMCPs, POPIA compliance documents, NCA credit agreements, court orders and judgments, regulatory correspondence (FSCA, NCR, Prudential Authority), Employment Equity Plans, and legislation with supporting regulations.
Do you cite real SA court cases?
Yes. Every red flag is paired with a verified SA court case citation — court name, year, and the specific legal principle relevant to your document. 43 cases are currently in the database, covering all major SA document types.
Do credits expire?
No. Credits are valid indefinitely and work across all SmartDocAI modules — Legal, Business, and Estate Administration.
Is my document stored?
Documents are processed securely and used only for your analysis. We do not store the full document text after analysis is complete. Only the analysis results are saved to your account.
What if the document is very long — 200 pages?
There is a 10MB file size cap. Most compliance manuals and legal documents fall well within this. If your document is larger, split it into sections and analyse each. Credits are used per analysis, not per page.
Start with one document.
Know exactly where you stand.
R199 for a single analysis. No subscription required. Credits never expire.
Analyse your first documentCredits work across all modules — Legal, Business, and Estate Administration.