StokFam Terms of Use

These Terms of Use (“Terms”) form an agreement between you and Quill Qode (Pty) Ltd (“QuillQode”, “we”, “us”, or “our”) when you access or use StokFam. By creating an account or using the app, you agree to these Terms and the StokFam Privacy Policy. If you do not agree, do not use StokFam.

What StokFam does

StokFam provides tools for forming and administering stokvel groups, managing members and roles, planning contribution and payout cycles, recording financial activity, uploading payment proofs, and sending related notifications.

StokFam is a record-keeping and coordination service. QuillQode is not a bank, payment service provider, trustee, financial adviser, stokvel administrator, or custodian of your funds. StokFam does not collect contributions, execute transfers, hold group money, or guarantee that a member will pay. Payments and payouts happen outside the app under the arrangements made by your stokvel.

Eligibility and authority

You must be at least 18 years old and legally able to enter into this agreement. If you create or administer a stokvel for an organisation or group, you confirm that you are authorised to act for it and to provide the information you enter into StokFam.

Your account

Give us accurate, current information and keep your sign-in credentials and devices secure. You are responsible for activity performed through your account unless you promptly report suspected unauthorised access. Do not share verification codes, passwords, or active sessions. Tell us at [email protected] if you believe your account has been compromised.

Stokvel responsibilities

Each stokvel and its members remain responsible for:

• agreeing their own constitution, rules, contribution amounts, payout order, and decision-making process;
• checking member identities, bank details, payment proofs, and ledger entries;
• deciding who may act as an administrator and promptly updating roles when authority changes;
• making payments and payouts safely through their chosen financial channels;
• resolving disputes between members and correcting inaccurate records; and
• complying with tax, financial-services, consumer-protection, anti-fraud, and other laws that apply to the group.

An administrator can make decisions that affect the group’s records and members. Only appoint people you trust. A record in StokFam is not independent proof that money moved or that an underlying obligation was valid.

Information and files you provide

You keep ownership of the information and files you submit. You give QuillQode a limited right to host, copy, process, display, and transmit that material only as needed to operate, secure, support, and improve StokFam and meet legal obligations.

You confirm that you have the right to provide the material and make it available to the relevant stokvel members. Do not upload unlawful content, unnecessary personal information, malware, false payment proofs, or confidential material that your group is not entitled to see.

Acceptable use

You must not:

• use StokFam for fraud, theft, money laundering, harassment, or any unlawful purpose;
• impersonate another person or misrepresent a payment, payout, membership, or authority;
• access another account or group without permission or bypass security or access controls;
• scrape, probe, reverse engineer, disrupt, overload, or introduce malicious code into the service;
• use automated means to create accounts or send unsolicited invitations or messages; or
• infringe another person’s privacy, confidentiality, intellectual property, or other rights.

We may restrict or suspend access while we investigate activity that threatens users, a stokvel, StokFam, or third parties.

Notifications and third-party services

StokFam may send email or push notifications about verification, security, invitations, group activity, contributions, payouts, and other service events. Delivery is not guaranteed, and notifications do not replace the group’s own communication or financial controls.

The app relies on third-party services such as app stores, sign-in providers, hosting, email, notifications, analytics, and error monitoring. Their own terms may apply to your use of their services. We are not responsible for a bank, payment provider, app store, or other third party outside our control.

Our service and intellectual property

StokFam, including its software, design, branding, and documentation, belongs to Quill Qode or its licensors. We grant you a limited, personal, revocable, non-exclusive, non-transferable right to use the app for its intended purpose while you comply with these Terms. No other rights are granted.

If you send feedback, you allow us to use it without restriction or payment, but we will not publicly identify you as its source without permission.

Availability and changes

We work to keep StokFam reliable, but the service may be interrupted for maintenance, security, provider failures, or events outside our control. We may add, change, or retire features. Where a material change affects active users, we will provide reasonable notice when practical.

Keep independent records and banking evidence appropriate to your stokvel. Do not rely on StokFam as the only copy of information needed to prove ownership of funds, settle a dispute, or meet a legal obligation.

Disclaimers

To the extent permitted by law, StokFam is provided “as is” and “as available”. We do not warrant that every record is accurate, that every member will perform their obligations, or that the service will always be uninterrupted or error-free. Nothing in StokFam is financial, legal, tax, or investment advice.

These Terms do not exclude warranties or rights that cannot lawfully be excluded, including applicable rights under South African consumer-protection law.

Limits of liability

To the extent permitted by law, QuillQode is not liable for indirect, incidental, special, consequential, or punitive loss, loss of profits or opportunity, or loss arising from a member’s non-payment, an incorrect group record, a dispute between members, or a payment made outside StokFam.

Our total liability arising from StokFam will not exceed the greater of the amount you paid QuillQode for StokFam in the 12 months before the event giving rise to the claim or ZAR 1,000. This limit does not apply where liability cannot legally be limited, including liability caused by fraud, wilful misconduct, or gross negligence where the law requires otherwise.

Ending your use

You may stop using StokFam at any time and can delete your account under Settings → Account → Delete account. You must transfer administration of active stokvels before deletion. Our Privacy Policy explains what happens to your account and historical group records.

We may suspend or end access if you materially or repeatedly breach these Terms, create a security or legal risk, or use StokFam in a way that could harm others. Where appropriate, we will give notice and an opportunity to address the issue.

Governing law and disputes

South African law governs these Terms. Before starting formal proceedings, you and Quill Qode agree to try in good faith to resolve a dispute by written notice and discussion. Subject to any consumer right to approach another forum, the courts of South Africa have jurisdiction over disputes arising from these Terms.

Changes and general terms

We may update these Terms when the service or law changes. We will publish the revised Terms here, change the effective date, and provide additional notice for material changes. Continued use after the change takes effect means you accept the revised Terms.

If a provision is unenforceable, the remaining provisions continue to apply. A failure to enforce a provision is not a waiver. You may not transfer your rights under these Terms without our permission; we may transfer them as part of a reorganisation or sale of the service. These Terms and the Privacy Policy are the complete agreement about your use of StokFam.