Last updated: 6/19/2025

1. Introduction

Welcome to StokFund ("Platform", "Service", "we", "us", "our"). These Terms of Service ("Terms") govern your use of our web platform located at [Your Domain Here] and any related services provided by StokFund.

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.

2. Accounts

When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service.

3. Stokvel Management

StokFund provides tools for managing stokvels. We are not a financial institution, do not hold funds, and are not party to any financial transactions between stokvel members. Users are solely responsible for compliance with all applicable laws and regulations regarding their stokvel activities.

4. User Conduct

You agree not to use the Service for any unlawful purpose or in any way that interrupts, damages, or impairs the service. You agree to be respectful towards other users and not to engage in any abusive or harmful behavior.

5. Intellectual Property

The Service and its original content (excluding Content provided by users), features, and functionality are and will remain the exclusive property of StokFund and its licensors. Our trademarks and trade dress may not be used in connection with any product or service without palpitations prior written consent of StokFund.

6. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

7. Limitation of Liability

In no event shall StokFund, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.

8. Governing Law

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

9. Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

10. Contact Us

If you have any questions about these Terms, please contact us at [legal@stokfund.co.za or your contact page].