TERMS & CONDITIONS OF USE AND SALE

Last updated: 21 October 2025
Applies to: your access to and use of [domain(s)] and related services, including:
(a) Online store / marketplace (products and/or services), and/or
(b) Platform services (SaaS) like payroll tools (“PayGrid/Fingrid”), and/or
(c) Service‑request portal (matching clients with service providers).

These Terms form a binding agreement between Fingrid (Pty) Ltd (“we”) and each user (“you”). By using our sites/apps or placing an order, you accept these Terms.

1) Key definitions

  • Account: your registered profile to access features.

  • Marketplace Vendor / Service Provider: an independent seller or provider using our platform.

  • Wallet/Credits/Coupons: stored value or promotional credits issued by us under these Terms.

  • SaaS/Platform: our online software and related services.

2) Eligibility and account

You must be 18+ (or have the consent of a competent person) to use our services. Keep your login secure. You are responsible for all activities under your account.

3) Using our services

Do not misuse the services (e.g., illegal activities, infringing content, spamming, security probing, scraping). We may suspend or terminate access for breaches.

4) Orders, pricing and payment (store/marketplace)

  • Prices include/exclude VAT as shown at checkout. We may change prices at any time, but confirmed orders use the price at order time.

  • We accept the payment methods shown at checkout (processed by certified payment gateways).

  • An order is accepted when we email a confirmation/receipt. We may decline/cancel (with a refund) if stock or pricing errors occur.

5) Delivery / collection (store/marketplace)

  • Delivery/collection options, costs and timeframes are shown at checkout.

  • Title and risk pass on delivery/collection as indicated at checkout or in the order confirmation.

  • For marketplace orders, the Vendor is responsible for fulfilment and shipping; we provide the platform and limited support.

6) Returns and refunds (consumer rights)

  • Defective goods (CPA): If goods are not of acceptable quality, not fit for purpose, or not as described, you may return them within 6 months of delivery for repair, replacement or refund (our choice, unless otherwise required by law).

  • Direct‑marketing cooling‑off (CPA s16): If you concluded a transaction because of direct marketing, you may cancel within 5 business days after delivery or conclusion, by written notice.

  • Electronic transactions cooling‑off (ECTA s44): For qualifying online purchases, you may cancel within 7 calendar days after receiving the goods or, for services, after the agreement is concluded. Exceptions apply (e.g., custom‑made goods, unsealed software/media, services begun with your consent).

  • Refunds are processed to the original payment method where possible. You must take reasonable care of goods and return them with all accessories/packaging where practicable.

7) Wallets, credits and coupons

  • Nature: Wallet top‑ups and promotional coupons are prepaid value usable only on our platforms; they are not bank deposits and do not earn interest.

  • Expiry: Prepaid vouchers/credits will be valid for at least 3 years from issue, or until fully redeemed (whichever occurs first), unless a longer period is stated.

  • Restrictions: Non‑transferable, not redeemable for cash (unless required by law). We may limit use to specific products/services and prevent use for subscription fees or top‑ups.

  • Errors & fraud: We may suspend or reverse wallet/credit transactions suspected to be erroneous or fraudulent.

8) Subscriptions (SaaS/platform)

  • Billing & renewal: Subscriptions renew per the term you select. We will communicate material changes and renewal terms in advance where required.

  • Cancellation (CPA s14): You may cancel a fixed‑term subscription at any time on at least 20 business days’ written notice. We may charge a reasonable cancellation fee as permitted by law.

  • Suspension/termination: We may suspend or terminate for non‑payment or material breach (after required notice where applicable).

  • Service levels: We aim for high availability but do not guarantee uninterrupted service. Planned maintenance and reasonable downtime may occur.

9) Data and privacy

Our processing of personal information is governed by our Privacy Policy. Where we act as an operator (processor) for business customers (e.g., payroll data), we process such data only per your documented instructions and our data processing terms.

10) Marketplace role

For marketplace transactions, we provide a platform that connects buyers with independent Vendors/Service Providers. Unless stated otherwise, the contract of sale/service is between you and the Vendor/Provider. Vendors are responsible for listings, pricing, fulfilment, warranties and statutory compliance. We may assist with support and payments in a limited capacity.

11) Intellectual property and licence

All site/app content, trademarks and software are owned by us or our licensors. You receive a limited, non‑exclusive, non‑transferable licence to use the services for their intended purpose. You may not copy, modify, reverse engineer or create derivative works except as allowed by law.

12) Reviews and user content

You are responsible for your content (e.g., reviews, listings you post). Do not post unlawful, defamatory, misleading, or infringing content. We may moderate or remove content that violates these Terms or the law.

13) Warranties and disclaimers

To the extent permitted by law, the services are provided “as is” and “as available”. We do not warrant uninterrupted or error‑free operation. Nothing in these Terms limits rights you have under the Consumer Protection Act.

14) Limitation of liability

To the maximum extent permitted by law, we shall not be liable for any indirect, special, incidental or consequential damages, loss of profits/revenue/data, or business interruption. Our aggregate liability for any claims relating to the services or a transaction shall not exceed the amount paid by you for the transaction in question (or three months of subscription fees for SaaS claims), unless the law prescribes otherwise.

15) Indemnity

You indemnify us against claims arising from your unlawful use of the services, breach of these Terms, or infringement of third‑party rights.

16) Compliance and verification

We may run fraud checks, verify identity or business status (including FICA/KYC), and refuse or cancel orders if verification fails.

17) Third‑party links and services

Third‑party sites/services are not under our control. Use them at your own risk and review their terms and privacy policies.

18) WhatsApp, SMS and electronic communications

By providing your number/email, you consent to receiving service communications (e.g., order updates, approval links). Marketing messages require consent or an applicable exception and always include an opt‑out.

19) Governing law and disputes

These Terms are governed by the laws of the Republic of South Africa. Unless otherwise required by law, disputes may be brought in the High Court of South Africa (or a court of competent jurisdiction where you reside). We encourage amicable resolution first; certain disputes may be referred to an agreed alternative dispute resolution body.

20) Changes to the Terms

We may update these Terms from time to time. Continued use after changes take effect indicates acceptance. Material changes will be communicated via the site/app or email.

21) Contact us (supplier details per ECTA s43)

Email: enquire@fingrid.co.za