Terms & Condition

Explore the legal terms and conditions that govern our services. Understand the rules, policies, and agreements that apply to your interactions with us

Welcome to ZarTM, a digital wallet and mobile payment platform.

These Terms & Conditions (“Terms”) govern your use of the ZarTM mobile application, website, and related services (“Services”).

By downloading, registering, or using ZarTM, you agree to these Terms.

Please read carefully.


1. Definitions

  • “ZarTM”, “we”, “us”, “our” refers to the ZarTM platform and its owners/operators.
  • “User”, “you”, “your” refers to any person who downloads, registers, or uses ZarTM.
  • “Wallet” means your digital account within the ZarTM platform.
  • “Agent” refers to authorized individuals or businesses that provide cash-in/cash-out services.
  • “KYC” means Know-Your-Customer verification.
  • “Services” includes all financial and non-financial services offered by ZarTM.

2. Eligibility

To use ZarTM, you must:

  • Be 18 years or older
  • Have a valid mobile number
  • Complete KYC verification
  • Agree to these Terms and our Privacy Policy

3. Account Registration

You agree to:

  • Provide accurate and complete information
  • Keep your login credentials confidential
  • Notify us of unauthorized access immediately

We reserve the right to:

  • Approve or reject any registration
  • Suspend or terminate accounts that violate our policies

4. Use of ZarTM Wallet

Your ZarTM Wallet allows you to:

  • Add money
  • Send and receive money
  • Request payments
  • Cash out through agents or bank withdrawals
  • Make QR-based payments
  • View transaction history

You may not use ZarTM for illegal or prohibited activities, including:

  • Money laundering
  • Fraudulent transactions
  • Terrorist financing
  • Abusive, misleading, or harmful activities

Violations may result in account suspension and reporting to authorities.


5. KYC & Compliance

ZarTM complies with:

  • POPIA (South Africa’s Protection of Personal Information Act)
  • FICA (Financial Intelligence Centre Act)
  • AML/CFT regulations

We may request:

  • Government ID
  • Proof of address
  • Selfie verification
  • Additional documentation

We may freeze or restrict your account until verification is completed.


6. Fees & Charges

Certain services may include fees such as:

  • Cash-out fees
  • Transfer fees
  • Agent commission
  • Bank withdrawal fees

Current fees will always be displayed in the app.

We reserve the right to update fees with prior notice.

7. Transactions

7.1 Irreversible Transactions

Once money is sent, it cannot be reversed unless:

  • The recipient agrees
  • Required by law
  • Approved by ZarTM after investigation

7.2 Transaction Limits

We may apply:

  • Daily or monthly transaction caps
  • Maximum wallet balance

Limits may vary based on your KYC level.


8. Security Responsibilities

ZarTM uses industry-standard encryption and security measures.

However, users must:

  • Never share OTPs or passwords
  • Use a secure device and network
  • Report suspicious activities immediately

ZarTM is not responsible for financial loss due to:

  • User negligence
  • Device theft
  • Unauthorized access caused by shared credentials

9. Agent & Merchant Use

Agents and merchants must:

  • Complete KYC verification
  • Follow ZarTM operational guidelines
  • Maintain honest and ethical practices

We may suspend any merchant/agent account involved in:

  • Overcharging
  • Fraud
  • Abuse of system
  • Violation of rules

10. Prohibited Activities

Users are NOT allowed to:

  • Conduct fraudulent transactions
  • Misuse promotions
  • Open multiple accounts to abuse referrals
  • Hack, reverse engineer, or manipulate the app
  • Use ZarTM for illegal products or services

11. Liability & Disclaimer

ZarTM will not be liable for:

  • Losses caused by third-party services
  • Network or connectivity issues
  • Incorrect transactions made by the user
  • Delays due to banking or technical failures

Our services are provided on an "as is" and "as available" basis.


12. Account Suspension & Termination

We may suspend or terminate your account if:

  • You violate these Terms
  • You fail KYC verification
  • We detect suspicious or fraudulent activity
  • Required by law enforcement

Remaining wallet balance may be withheld until investigations are complete.


13. Data Protection

We follow strict POPIA-compliant protocols.

Your personal data is protected as outlined in our Privacy Policy.

14. Changes to Terms

ZarTM may update these Terms from time to time.

Changes will be posted on the app and website.

Continued use of the Services implies acceptance of updated Terms.

15. Governing Law

These Terms are governed by the laws of:

  • South Africa and
  • Applicable regulations in neighbouring African markets where ZarTM operates.

16. Contact Information

If you have any questions about these Terms:

📧 Email: support@zartm.com

🌍 Website: www.zartm.com