Terms of Service

Introduction

Welcome to Khumbulekhaya. These Terms of Service ("Terms") govern your access to and use of our services, including our website, mobile applications, and related services (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Service.

Eligibility

To use our Service, you must:

• Be at least 18 years old
• Be a South African citizen or resident
• Have a valid South African ID number
• Provide accurate and complete information during registration

Account Registration

When you register for an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your information
• Maintain the security of your password
• Notify us immediately of any unauthorized use of your account

POPI Act Compliance

We are committed to complying with the Protection of Personal Information Act (POPI Act) of South Africa. By using our Service, you acknowledge and agree that:

• We will collect, use, and process your personal information in accordance with POPI Act
• You have the right to access, correct, and delete your personal information
• We will obtain your consent where required for processing your personal information
• We will implement appropriate security measures to protect your personal information

User Responsibilities

As a user of our Service, you agree not to:

• Use the Service for any illegal or unauthorized purpose
• Interfere with or disrupt the Service
• Attempt to gain unauthorized access to our systems
• Provide false or misleading information
• Violate any applicable laws or regulations

Financial Services

Our Service provides financial services including stokvel management, financial education resources, and travel expense optimization. You understand and agree that:

• All financial transactions are subject to applicable laws and regulations
• We are not a bank and do not provide banking services
• Investment returns are not guaranteed
• You are responsible for verifying the accuracy of your financial information

KYC (Know Your Customer) Verification

To comply with regulatory requirements, we require all users to complete KYC verification. You agree to:

• Provide accurate identification documents
• Allow us to verify your identity through third-party services
• Cooperate with any additional verification requests

Intellectual Property

All content, features, and functionality of our Service are owned by Khumbulekhaya and are protected by copyright, trademark, and other intellectual property laws.

Limitation of Liability

To the maximum extent permitted by law, Khumbulekhaya shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

Termination

We may terminate or suspend your account and access to our Service immediately, without prior notice, for any reason whatsoever, including without limitation if you breach these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of South Africa, without regard to its conflict of law provisions.

Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of any significant changes by updating the "Last Updated" date at the top of this page.

Contact Information

If you have any questions about these Terms, please contact us: