## Welcome to estockvel

Promoting transparency, collaboration, and accountability in group savings.

## Terms and Conditions of Use

Last Updated: 10/09/2024

### 1. Acceptance of Terms

By accessing or using estockvel, you agree to these Terms and our Privacy Policy. If you do not agree with these Terms, do not use the App.

### 2. Changes to Terms

We may update these Terms from time to time. We will notify you of any changes by posting the new Terms on the App. Your continued use of the App after any changes indicates your acceptance of the new Terms.

### 3. Eligibility

To use estockvel, you must be at least 18 years old and have the legal capacity to enter into contracts.

### 4. Account Registration

You agree to provide accurate, current, and complete information during registration and to update your information to keep it accurate.

### 5. Use of the App

You agree to use estockvel solely for lawful purposes and in accordance with these Terms.

### 6. Group Savings and Contributions

The App allows you to create and manage group savings, process member contributions, and handle claims.

### 7. Income and Expenses

You are responsible for recording and managing all income and expenses accurately.

### 8. Constitution

The App allows you to attach the group's constitution. It is your responsibility to ensure compliance with laws.

### 9. Data Privacy

Your use of the App is subject to our Privacy Policy.

### 10. Intellectual Property

All content on estockvel is protected by copyright, trademark, and other intellectual property laws.

### 11. Limitation of Liability

estockvel is not liable for any indirect, incidental, consequential, or punitive damages.

### 12. Termination

We may suspend or terminate your access to the App if you violate these Terms.

### 13. Governing Law

These Terms are governed by and construed in accordance with the laws of South Africa.

### 14. Contact Us

If you have any questions about these Terms, please contact us at info@majacp.co.za.