Terms of use

Welcome to Kruza ("the Platform", "the Company", "we", "us", or "our").

By accessing or using Kruza, you ("the User") expressly agree to be bound by these Terms. These Terms are enforceable under South African law, including but not limited to the Electronic Communications and Transactions Act 25 of 2002 (ECTA) and the Consumer Protection Act 68 of 2008 (CPA).

If you do not agree, you must immediately discontinue use of the Platform.

Kruza is a technology-enabled intermediary platform that connects Users with independent service providers ("Providers") within their community.

You acknowledge and agree that:

• Kruza does not provide physical services (e.g., transport, repairs, delivery).
• All services are rendered by independent third parties, not employees or agents of Kruza.
• Kruza's role is strictly limited to facilitating digital connection, communication, and transactions.

By using the Platform, you warrant that:

You are 18 years or older and legally competent to contract.

All information provided is accurate, complete, and not misleading.

You will not use the Platform for:

• Any unlawful purpose;
• Fraudulent, abusive, or harmful conduct;
• Circumventing payment systems or exploiting system vulnerabilities.

Any breach may result in immediate suspension or permanent termination without notice.

Kruza does not:

• Employ, vet, or guarantee Providers;
• Control the quality, legality, or safety of services;
• Assume responsibility for the conduct of any User or Provider.

Users engage Providers entirely at their own risk.

You agree that:

• Any agreement formed is strictly between you and the Provider;
• Kruza is not a party to such agreements.

Where applicable:

• Payments may be processed through Kruza Rands or integrated payment gateways.
• All transactions are final, unless otherwise required by law.
• Kruza reserves the right to apply service fees or commissions and suspend transactions suspected of fraud or abuse.

Users may not:

• Reverse payments outside the system without valid legal grounds;
• Engage in unauthorized financial manipulation.

To the fullest extent permitted under South African law:

• Kruza, its directors, employees, and affiliates shall not be liable for:
• Any loss, injury, damage, or death arising from services rendered by Providers, user interactions on or off the Platform, indirect, incidental, or consequential damages, or loss of profits, business, or data.

• Where liability cannot be excluded, it is limited to the total amount paid by the User through the Platform in the preceding 30 days.

You agree to indemnify and hold harmless Kruza against:

• Any claims, damages, or legal proceedings arising from:
• Your use or misuse of the Platform;
• Breach of these Terms;
• Violation of any law or third-party rights.

Kruza processes personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA).

By using the Platform, you consent to:

• Collection of personal data (e.g., name, location, contact details);
• Processing for service delivery, security and fraud prevention, and platform improvement.

We implement reasonable technical and organisational safeguards, however no system is completely secure and users share information at their own risk.

You are solely responsible for:

• Maintaining confidentiality of login credentials;
• All activities conducted under your account.

You must immediately notify Kruza of any unauthorized access or security breach.

Kruza reserves the right to:

• Suspend or terminate accounts for breach of Terms, suspected unlawful activity, or to protect platform integrity.
• Termination may occur without prior notice where necessary.

In the event of a dispute:

• Parties must first attempt to resolve the matter amicably;
• Failing resolution, disputes shall be referred to mediation, and thereafter subject to the jurisdiction of South African courts.

Nothing in this clause limits rights under the Consumer Protection Act.

All rights, title, and interest in the Kruza platform, software, branding, and content remain the exclusive property of Kruza.

Users may not copy, modify, reverse engineer, or exploit any part of the Platform.

Kruza shall not be liable for failure or delay caused by events beyond reasonable control, including power outages, network failures, civil unrest, and natural disasters.

Kruza reserves the right to amend these Terms at any time. Continued use of the Platform constitutes acceptance of updated Terms. Users are responsible for reviewing changes periodically.

These Terms are governed by the laws of the Republic of South Africa.

If any provision is found invalid, the remainder shall remain enforceable. These Terms constitute the entire agreement between Kruza and the User.