Zuto Finance (Pty) Ltd
Reg. No: 2025/231472/07
Email: legal@zutofinance.co.za
Effective Date: 31/05/2025
By registering, accessing, or using our services, you confirm that you have read, understood, and agreed to these Terms. If you do not agree, you must not use our platform.
You must be at least 18 years old and legally capable of entering into binding contracts to use our services. If you act on behalf of an entity, you represent that you are authorised to bind that entity.
Zuto Finance provides:
- A digital platform for managing tip payouts to employees
- Real-time tracking of tip earnings
- Access to micro-loan facilities based on earnings
We reserve the right to modify or discontinue services at any time without prior notice.
- Users must provide accurate, current, and complete information when registering.
- You are responsible for maintaining the confidentiality of your login credentials.
- You agree to notify us immediately of any unauthorised access or use of your account.
- Use the platform only for lawful purposes.
- Do not misuse, duplicate, or interfere with our services.
- Ensure all information submitted is accurate and up-to-date.
- Comply with applicable laws, including POPIA, FICA, and NCR regulations.
- Loans are subject to approval based on real-time tipping data and internal credit scoring.
- Interest is capped at 17% per annum and may vary depending on the loan product.
- Late or missed repayments may affect future credit eligibility.
- Zuto Finance reserves the right to report delinquencies to registered credit bureaus.
- Employers are charged a platform fee (e.g. R850/month/store) .
- Employees are charged transactional fee (e.g. R12/employee transaction) which forms part of the administrative fees.
- Employees receiving loans may be charged interest .
- Fees are communicated upfront and subject to change with notice.
All content, trademarks, logos, and software are the property of Zuto Finance or its licensors. You may not reproduce, distribute, or modify any part of our platform without written consent.
We are not liable for any indirect, incidental, or consequential damages arising from your use of the platform. Our total liability is limited to the amount paid by you (if any) in the 3 months preceding the claim.
Zuto Finance may suspend or terminate your account or access at any time if you violate these Terms or applicable laws. Users may also request account deactivation in writing.
These Terms are governed by the laws of the Republic of South Africa. Any disputes shall be subject to the jurisdiction of South African courts.
We reserve the right to update these Terms periodically. Changes will be posted on our website and communicated where materially relevant.
For support or inquiries regarding these Terms, please contact:
Zuto Finance (Pty) Ltd
Email: legal@zutofinance.co.za
Website: www.zutofinance.co.za
