Please read the following terms and conditions carefully as using the Callpay Application and this web site means that you accept them.

Use of the Site

The content of this website and Callpay Application is owned by Callpay South Africa, a Private Company duly registered in South Africa in 2017 (Registration Number: 2017/021680/07).

You may not copy, reproduce, modify, distribute, republish, display, post or transmit any part of Callpay Application and this web site (including its content) without our express written permission. You may view or print individual pages only for your personal use and not for any commercial or financial gain.

You may not use Callpay Application or this web site or any of the contents on this web site in a way which causes or may cause:

  • the web site or the services offered to be interrupted, damaged or impaired;

  • offence or detriment to any other person who uses this web site or any of the services offered;

  • Callpay, you or any other user of this web site to be in breach of any applicable law or regulation;

  • detriment to any person who supplies services to Callpay in connection with this web site or service.

If we consider that you are doing, or are likely to do, any of these things or in any other way are adversely affecting this web site, its users, Callpay Application or its suppliers, we may immediately suspend your use of this web site or any of the services offered.

Callpay takes no responsibility for any loss or damage suffered by any person or organisation relying on the information and services contained within this web site.

Content

The content of this web site including all research, opinions or other content does not constitute legal, tax or financial advice, nor does it necessarily reflect the views of Callpay management, staff, shareholders, associates or suppliers. Before making any decision or taking any action which might affect you please seek appropriate advice from a suitably qualified person.

This web site may include technical, typographical or other inaccuracies and you are urged to contact our editorial staff to confirm all information contained herein before placing any reliance on it. Changes are constantly made to Callpay Application and the information on this web site.

These changes are incorporated without notification. Callpay reserves the right to alter or amend any criteria or information set out on Callpay Application and this web site without notice.

Copyright

All materials including all content and images published on Callpay Application and this web site are protected by copyright under South African copyright law. The web site as a whole is also protected under South African copyright law and international agreements.

All web site code is Copyright © Callpay and may not be copied or redistributed.

Transmission of Information

Your attention is drawn to the fact that information transmitted via the Internet is susceptible to monitoring and interception. You will bear all risk of transmitting information in this manner. We will not be liable for any loss, harm or damage suffered by you as a result of transmitting information to us. We reserve the right to request independent verification of any information transmitted via email.

Please be aware that any unsolicited confidential or proprietary information sent to our editorial staff via the Internet cannot be guaranteed to remain confidential. If you need to send such information to our editorial staff and are concerned about the security of this information please contact us and we will advise you of the most appropriate method of transmission.

Limitation of Liability

This web site should only be used for information purposes. It is not advice and you should not rely on it to make (or refrain from making) any decision or take (or refrain from taking) any action unless otherwise directed. Callpay is not responsible for the web site’s accuracy or its fitness for a particular purpose or the reliability of the access to the web site and/or Callpay Application, unless otherwise indicated.

Callpay is not liable for any damages or losses resulting from your use of or inability to use Callpay Application or this web site. We do not guarantee that Callpay Application or this web site will operate free of error, or that this web site is free from computer viruses or any other contaminating computer program.

We do not accept any liability for any acts or omissions resulting from your decision or opinion formed on the basis of your use of this web site.

Our staff are unable to answer any financial or commercial questions or offer any financial or commercial advice.

Links to other Web sites and Services

This web site contains links to other web sites which are not under our control. The links to other web sites are included for your convenience and we do not accept any responsibility or liability for enabling you to link to any other web site, for the contents of any other web site, for the security of any other web site, or for any consequence of your acting upon the contents of such web site.

Changes to these Terms and Conditions

We may change these terms and conditions, for Callpay Application and this website, of use at any time by posting notice of the changes on this web site. If you use Callpay Application or this web site after we have posted any such changes you will be bound by the new terms and conditions. You should therefore ensure that you read the terms and conditions each time you use Callpay Application or this web site.

Governing Law and Jurisdiction

These terms and conditions and your use of Callpay Application and this web site are governed by and construed in accordance with the laws of South Africa and any disputes will be decided only by the Courts of South Africa.

Connected Interests

Callpay and any company or individual connected to it, including its members and employees, may have a position or interest in any product or service recommended in this or any other Callpay web site.

World Wide Web

The content of this web site is not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) the publication or availability of this web site is prohibited. Persons in respect of whom such prohibitions apply must not access this web site.

EFTSECURE SAFETY

1. Introduction

These Terms and Conditions (“Terms”) govern the use of Callpay Payment Processing Services (“Services”) provided by Callpay (“we”, “us”, or “our”). By using our Services, you (“User”, “you”) agree to be bound by these Terms. Please read them carefully.

2. Using and Saving of Login Credentials for Internet Banking

2.1. Consent to use and process Credentials: By using Callpay Services to make a payment, you irrevocably authorise us to use your internet banking login credentials (“Credentials”) and other personal information, such as your full names and surname, identity number and or mobile number, as required in order to facilitate and process such payment. You agree that we may use such Credentials and information to process the payment as if we are instructing the payment ourselves and for such purpose to liaise and communicate with your bank on such basis, including to facilitate the payment authentication processes implemented by your bank, without negating the security thereof. For purposes of the aforesaid, you specifically consent to us processing your personal information in terms of sections 11(1)(a) and (b) of the Protection of Personal Information Act, No. 4 of 2013.

2.2. Consent to Store Credentials: By using Callpay Services to save your internet banking login credentials (“Credentials”), you authorize us to store these Credentials securely for the purpose of facilitating faster login and transaction processes.

2.3. Security Measures: We employ robust security measures to protect your Credentials from unauthorized access. However, you are responsible for ensuring the security of your device and internet connection.

2.4. Use of Credentials: Your Credentials will only be used to process transactions you have authorized and for no other purpose. You must ensure that your Credentials are accurate and up to date.

2.5. Liability: We shall not be liable for any unauthorized use of your Credentials unless such use is directly attributable to our negligence or wilful misconduct.

3. Making an Instant Payment via Internet Banking

3.1. Instant Payment Service: We offer an instant payment service allowing you to make payments via internet banking, which are processed more quickly than standard transactions.

3.2. Fees: Instant payments incur higher fees than standard transactions. By opting for an instant payment, you agree to pay the applicable fees as disclosed at the time of the transaction.

3.3. Authorization and Processing: By initiating an instant payment, you authorize us to debit your designated bank account for the payment amount plus applicable fees. We will make every effort to process instant payments promptly, but we do not guarantee a specific transaction time.

3.4. Refunds and Disputes: If you have an issue with an instant payment, please contact our customer service. Refunds and dispute resolutions are subject to our refund and dispute policies, which are available on our website.

4. General Provisions

4.1. Amendments: We reserve the right to amend these Terms at any time. Your continued use of the Services after any amendment signifies your agreement to the revised Terms.

4.2. Governing Law: These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which we operate, without giving effect to any principles of conflicts of law.

4.3. Dispute Resolution: Any disputes arising under or in connection with these Terms shall be resolved through binding arbitration in accordance with the rules of the jurisdiction in which we operate.

4.4. Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

4.5. Contact Information: For any questions or concerns regarding these Terms, please contact us at support@callpay.com.

5. Acceptance

By using the Callpay Payment Processing Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Any dispute arising from or in connection with this Agreement shall be referred to and finally resolved by arbitration in accordance with the Rules of the Arbitration Foundation of Southern Africa (AFSA). The arbitration shall be conducted by an arbitrator or arbitrators appointed by AFSA. The decision of the arbitrator shall be final and binding on the parties, and not subject to appeal. The arbitration proceedings shall be conducted in Cape Town and the language of the arbitration shall be english.