1. INTRODUCTION

1.1. Welcome to Abela iMali (Pty) Limited (“abela”). Abela was created to help you send and receive money with just a smart phone. No bank account is needed, its available to all nationals and there are no fixed monthly or fixed fees.

1.2. Abela is a private company incorporated under the laws of South Africa with registration number 2020/491145/07 having its registered office address at 28 Sunny Way, Pinelands, Cape Town, South Africa.

1.3. By accessing and using our website, you bind yourself to our terms and conditions which also includes our privacy policy which can be found on our website at www.abela.app/

1.4. If you do not wish to be bound by these terms and conditions, then you may not have further access or use of the app as further use will automatically bind you to these terms.

1.5. If you are under the age of 18 years old, you may not register to use the app unless you have a legal guardian to do so on your behalf.

2. DEFINITIONS

2.1. Unless a contrary intention clearly appears, the following terms shall have the following meanings assigned to them and cognate expressions shall have corresponding meanings, namely –

2.2. “Abela iMali” means the digital vouchers which are purchased by or transferred by You in terms of this Agreement;

2.3. “Confidential Information” means all information and data of whatsoever nature (including the Intellectual Property), whether tangible, intangible, oral or in writing and in any format or medium that is obtained or learned by, disclosed to, or comes to the knowledge of You from Us during the course of or arising out of or in relation to this Agreement or Your use of the website and/or the Services, by whatsoever means, which by its nature or content is or ought reasonably to be identifiable as confidential or proprietary to Us, or which is provided or disclosed in confidence;

2.4. “CPA” means the Consumer Protection Act 68 of 2008, as amended, varied, re- enacted, novated or substituted from time to time;

2.5. “Documentation” means integrated electronic help published by Us, describing the Software’s functionality and intended operation;

2.6. “FICA” means the Financial Intelligence Centre Act 38 of 2001, as amended, varied, re-enacted, novated or substituted from time to time;

2.7. “Intellectual Property” means, collectively, all and any intellectual property including, without limitation, patents, copyright, trademarks, designs, models, Know-How, inventions, trade and business secrets, sales and customer data, databases and rights in databases and any other type of intellectual property (whether registered or unregistered including applications for and rights to obtain, use or for the protection of same) which are used or held (currently or not) in connection with either Our business as applicable and/or by way of a licensing agreement and or right, title and interest;

2.8. “Know-How” means all ideas, designs, documents, diagrams, information, devices, technical and scientific data, secret and other processes and methods used in connection with Our business; all available information regarding marketing and promotion of Our products and services (including the Services); and all and any modifications or improvements to any of them;

2.9. “Mobile Phone” means a smart phone with a central processing unit capable of executing instructions from a software program, and which is owned or leased by You;

2.10. “Our Affiliates” means Ourselves, our officers, directors, employees, agents, representatives, affiliates and third parties;

2.11. “Payment Mechanisms” means any means supported by the mobile application platform or the website to purchase abela Mali. These are but not limited to: EFT deposit, Debit/Credit card, MasterPass, Deposit at ATM, Debit order.

2.12. “Personal Information” has the same meaning as “personal information” as defined in POPIA;

2.13. “Platforms” means the website which can be found at www.abela.app and its mobile application platform (abela) on the Android Play Store and on the iOS Apple App Store

2.14. “POPIA” means the Protection of Personal Information Act 4 of 2013, as amended, varied, re-enacted, novated or substituted from time to time;

2.15. “Processing” has the same meaning as “processing” as defined in POPIA, which for instance will include (subject to the provisions of POPIA, which may be amended from time to time): collecting, storing, collating, using, modifying, sending, distributing, deleting and destroying Personal Information;

2.16. - “RICA” means The Regulation of Interception of Communications and Provision of Communication Related Information Act;

2.17. “Selected Merchants” means those merchants as selected by Us from time to time and with whom We have contracted to provide VAPs;

2.18. “Services” means any of the services referred to in clause 3 of this Agreement;

2.19. “Software” means the object code of and Documentation for the website or Native Application;

2.20.

2.21. “VAPs” means the value-added products of one or more Selected Merchants;

2.22. “Wallet” means a User’s ring-fenced User account maintained and reconciled to Our virtual master wallet. The Wallet is unique to each User and reflects the balance of a User’s abela Mali (if any) and contains Personal Information of the User. The Wallet can be accessed via the website or via the mobile application platform;

2.23. “We” or “Us” or “Our” or “Ourselves” shall mean Abela iMali (Pty) Limited, a private company with registration number 2020/491145/07 with its physical address at 28 Sunny Way, Pinelands, Cape Town, 7405.

2.24. “Website” refers to abela.app website through which the Services will be rendered on Your instruction;

2.25. “Withdrawal Mali” is cash withdrawal reference number valid at any of our partner retailers teller;

2.26. “You” means the person who registers and creates an abela profile on the ablela app downloaded on the playstore or iPhone app store. ”Your” and “User” shall have corresponding meanings;

2.27. “ZAR” means South African Rand;

3. OUR SERVICES

3.1. Our app is a mobile payments platform that allows you to make and receive payments. You are able to do this without a bank account nor do you need to be a South African citizen. Our app is free to download off the app store for iPhone users and google play for Android users;

3.2 We also offer a virtual card which will be linked to our app. The virtual card can be accessed on your phone and can be used as a debit card;

3.3. The physical card will also be introduced, this is the same concept as the virtual card but it is an corporal object that you can use to make payments;

3.4 Our app allows you to do the following:

· Make free payments to other abela users;
· Buy value added services on app such as electricity, data, airtime;
· Make bank transfers;
· Make payment to a cell phone;
· International money remittance;
· Cash in and out at any Pick n Pay or Nedbank nationwide;
· Top up via EFT, credit/ debit card;
· Scan & Pay any zapper, Snapscan or Masterpass QR code in store
· NFC payment with the abela virtual card

4. REGISTRATION

4.1. Registration requires you to provide us with personal information such as Your name, date of birth, mobile number and identification document number or passport number. This information must be submitted together with a ‘selfie’.

4.2. Registration is subject to Our and the bank’s approval, and it may be declined by Ourselves or the bank at Our sole discretion and for any just and equitable reason.

4.3. At the time of registration, You agree that we may collect and store Your personal information for the following purposes:

· Verification of Your identity;
· Providing our services to You;
· Fraud prevention and detection;
· Storing of records for compliance purposes;
· Complying with statutory and legal obligations;
· Sharing the information with Our partners / service providers / sponsor bank.

4.4. You consent to Us using Your personal information to do certain checks in terms of law. Such checks include credit checks, “Politically Exposed Persons”(“PEP”) checks and sanction checks. You acknowledge that all documents and information supplied must be to Our sole and absolute satisfaction.

4.5. We will not share these checks with third parties without Your express consent if You enter into a further agreement with a merchant on the app.

4.6. Please refer to Our privacy policy for more detail with regards to Your personal information.

4.7. We have implemented and maintained the KYC procedures as part of Our commitment to combatting fraud, combatting corruption, the prevention of money laundering and the prevention of terrorist financing.

4.8. We reserve the right to, at any time and in Our sole and absolute discretion-
· restrict or suspend Your account when identification documents are in the process of being verified, outstanding and/or not forthcoming; and/or
· to terminate Your account where You have provided false and/or misleading information and after becoming aware of such false and/or misleading information, You fail and/or refuse to provide true and correct information in order to enable the Provider to comply with the identity verification processes.

5. OPERATING SYSTEM REQUIREMENTS

This app requires a smartphone device with internet connection to be operational.The device used to access the mobile application platform needs to have a valid cell phone number that complies with “RICA”.

As a customer, you will have needed to pass our “KYC” process that verifies your identification. Once we have verified you, you will be able to use your abela wallet to transact freely.

You will have access to a wide variety of financial services.

6. CONTACT

6.1. If You have any queries, questions or requests regarding these terms and conditions, please contact Us at hello@abela.app or via our abela WhatsApp number: 064 547 6258. If You have any banking related queries please contact Your bank directly.

6.2. We will contact You via email, SMS or via WhatsApp using the contact details provided by You. We will contact you regarding promotions, updates relating to the app, any information regarding transactions relating to You.

7. ACTIVATION AND DEACTIVATION OF YOUR WALLET

7.1. The app will be activated as soon as You have downloaded it off the google play store or the app store for iPhone. Once You have downloaded the app, You will have to give Us certain information such as your name, surname, ID number, photo of Your ID and a selfie that matches your ID so that We can approve You. Once you have been approved, You are free to transact using your abela wallet.

7.2. If Your physical card has expired or has been lost or stolen, please contact us immediately. We will ensure that the card is blocked. You will then need to pay a fee to have the card replaced.

7.3 If You want to deactivate your account, please contact Us and We will deactivate Your account and cash out the money still available in Your wallet.

8. USE OF THE APP AND YOUR VIRTUAL AND PHYSICAL CARDS

8.1. The virtual card will be a on a pre-paid basis. You will have your abela wallet as well as Tour virtual card. You will be able to move funds from Your abela wallet to Your virtual card. You will then be able to use your virtual card to pay for products and services online. This service will be free.

8.2. The physical cards are not yet offered on abela but they are coming soon! You will need to provide a postal address so that We can post Your physical card to You. There will be a delivery and activation fee linked to Your physical card as well as monthly fees.

9. AUTHORITY TO DEBIT YOUR ACCOUNT

9.1. We have the authority to debit your abela wallet in the following instances:

9.1.1. All payments made to other abela users as well as to people who do not have the abela app and You send them money outside of the abela platform;

9.1.2. Transaction fees as contemplated in clause 17;

9.1.3. Payments made to merchants

9.1.4. Any and all payment instructions made by You.

10. ANTI-MONEY LAUNDERING, CYBERSECURITY AND TERRORIST FINANCING

10.1 We operate under the Bank’s card programme.

10.2. You consent to give us any information that we may need in terms of any legislation applicable to us prior to us rendering any services.

10.3. We follow a strict KYC process to combat money laundering and fraud within our systems.

10.4. We follow the Financial Intelligence Centre Act 38 of 2001 (“FICA”) to prevent anti money laundering as well as follow the steps set out in the instance that a situation of money laundering has taken place.

10.5. We have a “Risk Management and Compliance Programme” in place in accordance with FICA.

11. YOU SHALL NOT USE OUR SERVICES TO COMMIT ANY OF THE FOLLOWING ACTS:

11.1. any act which undermines Our reputation, privacy, intellectual property and other rights;

11.2. any act which assists in, allegedly results in, or may actually result in, money laundering, terrorist financing or impermissible or illegal trading;

11.3. any act which involves Your use of an invalid credit or debit card or the credit or debit card of another person or User without such other person’s or User’s consent;

11.4. any act which involves Your use of an invalid bank account or the bank account of another person or User without such other person’s or User’s consent;

11.5. any act that We or any EFT payment network reasonably believes to be an abuse of the card system or a violation of card association or network rules or any other rules governing or applicable to such payments network, as may be updated from time to time.

12. GOOGLE PLAYSTORE AND APP STORE TERMS AND CONDITIONS

12.1. The app store from which You downloaded the app and its terms and conditions will be the ones You abide by if there are any differences between the terms

13. LICENCE TO USE THE APP

13.1. We hereby grant You a personal, non-exclusive, non-transferable, fully paid-up license (with no right to sub-license, transfer or assign) to use the Software on a single Mobile Phone, and to use the Software in conjunction with that Mobile Phone, in the Republic of South Africa, for Your own internal data processing purposes, strictly upon the terms and subject to the conditions of this Agreement.

13.2. The Software and the Services are not automatically supported and the license does entitle You to any updates, upgrades, new releases or support services for the app, and We may provide these in Our discretion from time to time. You agree that the terms of this Agreement shall apply to any updates, upgrades or new releases provided to You. If You think the Software or the Services are faulty or misdescribed, please contact Us at hello@abela.co.za.

13.3. If We have to contact You in relation to maintenance and support of the Software or the Services, We will do so by email, SMS or telephonically, using the contact details You have provided to Us.

13.4. You can only transact through the website in line with the facilities available to You through Your bank Card.

13.5. All ownership rights (including Intellectual Property rights) in and to the Software (including updates, upgrades and new releases) and the website and all Intellectual Property, are and shall remain vested in Us, Our licensor(s) or a party nominated by Us and shall never pass to You. You shall not during or at any time after expiry or termination of this Agreement, question or dispute Our ownership of the Software, website or Intellectual Property. Except as and to the extent authorised in this Agreement, You shall have no right to use Our Intellectual Property in any manner whatsoever.

13.6. You may not make a copy of the Software or website for back-up purposes. Other than as expressly provided for herein, You may not in any manner copy or otherwise reproduce the Software (wholly or partially) or the website.

13.7. Except as expressly set out to the contrary herein, You will not, and will not assist any third party to, copy, reproduce, transmit, distribute, sell, resell, license, sub-license, rent, lease, transfer, assign, disclose, de-compile, reverse compile, reverse engineer, disassemble, modify, publish, create derivative works from, perform, incorporate into another website, computer program or product, or in any other way reduce to human-perceivable form or exploit all or any part of the website, the Software or the Intellectual Property.

13.8. You irrevocably undertake and agree that upon termination for whatever reason of this Agreement and/or any license granted under this Agreement, You shall – • immediately cease all use of the Software and any other Intellectual Property; immediately de-install or delete (as appropriate) every copy (including partial copy) of the Software and any other Intellectual Property acquired or made by You from wherever it is installed; • destroy every copy (including partial copy) of the Software and any other Intellectual Property acquired or made by You, by no later than 3 (three) days thereafter.

13.9. Third party software provided with the Software is licensed to You on its accompanying license terms, including warranties and remedies.

13.10. You agree that any breach by You of any provision of this clause shall be a material breach of this Agreement.

14. WARRANTIES

14.1. We warrant that the Software shall operate substantially in accordance with its published functional specifications for 90 (ninety) days from date of its installation if it is used in accordance with all minimum configuration and environmental conditions specified in the documentation. Software under warranty may require ongoing support and the warranty provided is not a substitute for support.

14.2. We warrant that We are the owner of or have valid title to the Software and are entitled to grant the rights to You as envisaged in this Agreement.

14.3. Should any fault arise in the Software during the aforesaid warranty period, You shall immediately notify Us in writing describing the defect. We shall at Our sole option and within a reasonable period of time, repair or replace the defective Software. Except to the extent that this is prohibited by applicable law, this clause states Our entire liability and Your exclusive remedy for non-conformance with any warranty.

14.4. We do not warrant that the Services, the Software or website will be completely free from errors or that errors will be corrected completely, nor that it will meet Your requirements, nor that it will operate in all combinations selected for use by You.

14.5. You acknowledge that whilst We take reasonable care to exclude then-known viruses, malware, worms and Trojan horses from the Software, no warranty is given that the Software is free of viruses, worms, or Trojan horses.

14.6. You agree that We shall not be responsible for any malfunction, non-performance or degradation of performance of the Software which is caused by or results from, directly or indirectly, any alteration to, adjustment of, attachment to, or modification of the Software by anyone other than Us.

14.7. As expressly provided in this clause and except as required by applicable law, the Services, the Software and the website are provided “as- is”. Warranties given by Us in terms of this Agreement extend solely to You and are not transferable.

14.8. You must ensure that the correct User recipient is selected when you transfer Abela iMali to another User. We will not be responsible for any losses if You fail to correctly select the User recipient.

14.9. We will not be responsible if You insert the incorrect amount for the cashing- out of Abela Mali.

14.10. The Wallet is only intended to be used for payment of goods and/or services as contemplated expressly in this Agreement, and We accept no liability otherwise.

14.11. You warrant that You are the lawful owner of the bank card whose details are registered to You on the website.

15. PRIVACY POLICY

15.1. You can find Our private policy at https://abela.app/welcome/privacy_policy

15.2. We process Your personal information in accordance with Our privacy policy.

15.3. By accepting these terms and conditions as well as Our privacy policy, you agree that we may use and process Your information for the purpose of rendering our services as well as sharing of Your information to the bank, service partners, selected merchants and regulatory authorities.

15.4. You have the right to refuse providing Us with Your personal information, however that will prevent us from providing our services to You. If at any stage You want Us to remove your personal information from our database, We will have to close Your account.

15.5. We will only process and store information that is necessary for Us to render Our services.

15.6. We will only retain Your information for as long as we need it or as required by relevant law and regulations.

16. TERMINATION

16.1. You may terminate this Agreement at any time by accessing the platform and closing your abela wallet. It is Your responsibility to have cashed out or used the balance in your wallet and any remaining balance in your account will be deemed a closure fee. Your request to close Your Wallet will be treated as an intention to terminate this Agreement. This Agreement will be terminated upon Us closing Your Wallet. You agree and understand that after Your Wallet has been closed by Us, You will no longer have any access to the Wallet.

16.2. You may not cancel Your Wallet if it is in Our reasonable discretion that such cancellation is being performed in an effort to evade an investigation or any liability (criminal or otherwise), or in an effort to avoid paying any amounts otherwise due to Us or any relevant governmental or regulatory authority. In this instance, We reserve our right to not act upon Your request to purchase or transfer Your abela Mali.

17. FEES

17.1. We charge the following fees for different transactions using the abela Wallet. This list of fees is not exhaustive and may be changed from time to time without notice:

17.1.1. Wallet to wallet – R0.00

17.1.2. Abela wallet to cell – R0.00

17.1.3. Wallet cash out at Pick n Pay – R10.00

17.1.4. Wallet token at Pick n Pay – R10.00

17.1.5. Wallet cash in at Pick n Pay – R10.00

17.1.6. Cash in at Nedbank ATM – R5.00 + 1,5%

17.1.7. PayCorp cardless withdraws – R10.00 + 0,5%

17.1.8. Wallet EFT deposit in – R5.00

17.1.9. Wallet top up (credit card) – 3.5%

17.1.10. Wallet top up (debit card) – 3.5%

17.1.11. Paystack top up – 3.5%

17.1.12. Ozow top up – 3.5%

17.1.13. Zapper top up – 3.5%

17.1.14. PayPal top up – 2% + our conversion (actual conversion rate + R0.5 to the dollar on conversion)

17.1.15. Accepting Masterpass QR payment credit card – 3.5%

17.1.16. Accepting Masterpass QR payment debit card – 3.5%

17.1.17. Load bank card – R0.00

17.1.18. EFT out through CPS – R10.00

17.1.19. Immediate EFT out through CPS – R20.00

17.1.20. Pay Zapper (out – QR payment) R0.00

17.1.21. Pay abela QR code – R0.00

17.1.22. Pay Masterpass QR code – R0.00

17.2. You will also be responsible for all standard data costs associated with the download and use of the website and the mobile application platform.

17.3. All Services provided to You are executed on the Exchange and accordingly, once authorised by You, are automatic and cannot be reversed. Once You select Your Service it cannot be reversed so, please ensure that all information is correctly inserted and that You make the correct / intended decision in relation to a Service, including as regards the recipient of Your abela Mali and the number of abela Mali being transferred.

17.4. You will indemnify Us against any losses resulting from: - You failing to pay the relevant costs or fees; - You providing the wrong recipient/payment information; - Someone else carrying out a payment instruction without Your permission; - The recipient of any abela iMali using such abela iMali for purposes other than foreseen or intended by You.

18. LIABILITY

18.1. You acknowledge and agree that neither We nor any employees, agents or representatives of ours is liable for any loss or damage which may be incurred through accessing, using of or registering on the Platforms.

18.2. To the fullest extent permitted in law, You shall and undertake to, defend, indemnify, and hold harmless Ourselves, our officers, directors, employees, agents, representatives, affiliates and third parties, for any losses, costs, damages, liabilities and expenses (including legal fees) relating to or arising out of Your use of the services or the Platforms.

18.3. We disclaim all liability, howsoever arising and of whatsoever nature, for the acts or omissions of another person (including unauthorized users, or "hackers") of the Platforms.

18.4. We, as well as our subsidiaries, affiliates, respective agents, officers, directors, employees, information providers or content providers specifically do not make any warranties, representations, and/or guarantees regarding the accuracy or completeness of any information or services and/or products supplied and advertised on the Platforms. The Platforms and the service/s are provided "as is".

18.5. Save as set out in the Terms, Our Affiliates make no warranties, representations, and/or guarantees, whether express, implied in law or residual regarding the: Platforms; service/s provided through the Platforms; and third-party services and/or products acquired through the use of the Platforms.

18.6. To the fullest extent possible by law, Our Affiliates expressly disclaim all, express or implied warranties, including, without limitation: warranties and non- infringement; compatibility; security; and accuracy, in respect of the Platforms.

18.7. Our Affiliates shall not be responsible for, and they hereby disclaim all liability for: any loss, liability, damage (whether direct, indirect, specific, incidental or consequential); any expense or cost of any nature whatsoever which may be suffered by You or any third party, as a result of or which may be attributable, directly or indirectly, to the Your access and/or use of the Platforms; any information or material contained on or received via the Platforms; Your use of the service/s, third party service/s and/or products on the Platforms; and/or Your reliance on any information or Links offered via the Platforms and service/s and/or products, whether arising negligently or not.

18.8. Without limiting the generality of the foregoing, the Our Affiliates shall not be liable for any: loss of business; loss of data; loss of profits; failure and/or unavailability of the Platforms for any reason whatsoever; and/or failure and/or delay by any third- party service provider to render any service/s which are necessary to ensure the availability of any of the Platforms.

18.9. The Platforms are made available on the basis that the Our Affiliates excludes, to the extent lawfully permitted all liability whatsoever for any loss, claim, action or damage howsoever arising out of the use of this Platform, reliance upon the content of the Platforms or use of the services.

18.10. Information transmitted via the internet is susceptible to monitoring and interception. You shall bear all risks of transmitting information in this manner. Our Affiliates will not be liable for any loss, harm or damage suffered by You as a result of transmitting information to Our Affiliates.

18.11. You specifically acknowledge and agree that the Our Affiliates are not liable for any conduct of any Client in any way whatsoever in respect of the access, use or sharing of the resources or otherwise provided on the Platforms.

18.12. Our Affiliates specifically disclaim any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

18.13. We do not warrant that the Client’s use of the Platforms or any service provided will be uninterrupted, always available, or error-free, or will meet Your requirements, or that any defects in the Platforms will be corrected.

19. GOVERNING LAW

19.1. This agreement and any dispute that arises from this agreement will be in accordance with South African laws and all South African courts will have jurisdiction to preside over any legal proceeding.

20. CONSUMER PROTECTION ACT 68 OF 2008

20.1. To the extent that any Services provided under this Agreement are governed by the CPA, no provision in this Agreement is intended to contravene the applicable provisions of the CPA, and therefore all provisions of this Agreement must be treated as being qualified, to the extent necessary, to ensure that the applicable provisions of the CPA are complied with.

21. ACCEPTANCE

21.1. By registering for the abela account, You agree and acknowledge that You accept the terms and conditions of this Agreement and, further, represent and warrant that if You are below legal age (18 years) You have Your guardian’s or parent’s consent to enter into this Agreement.

22. WHOLE AGREEMENT, AMENDMENTS AND UPDATES

22.1. This Agreement constitutes the whole agreement between the parties relating to its subject matter, supersedes all prior or oral or written communications and representations with respect to the website and the Software, and, prevails over any conflicting or additional terms in any document or other communication between the parties leading up to and during the term of this Agreement.

22.2. We may amend this Agreement from time to time. Except where We specifically stated that We will not provide You with prior notice in this Agreement, We will not provide You with notice of any changes to the Agreement.

22.3. You should regularly view this page to ensure that You are satisfied with any changes. If You are not satisfied with the revisions made, You should stop using the wallet service immediately.

22.4. To the extent permissible by law, We shall not be bound by any express or implied term, representation, warranty, promise or the like not recorded herein, whether it induced the contract and/or whether it was negligent or not.

23. SEVERABILITY

23.1. Any provision in this Agreement which is or may become illegal, invalid or unenforceable shall be ineffective to the extent thereof and shall be treated as not written and severed from the balance of this Agreement, without invalidating the remaining provisions.

24. BREACH

24.1. Should You breach (or should You permit any third party making use of the website or the Services via Your Wallet to engage in conduct that would constitute a breach if performed by You) any provision or term of this Agreement and fail to remedy the breach within 7 (seven) days of receipt of notice requiring You to do so and warning that if it is not so remedied that We may exercise Our rights in terms of this clause, then We shall be entitled without further notice to You, and in addition to any other remedy available to Us in law or under this Agreement, to: ¬ cancel this Agreement; or ¬ claim specific performance of any obligation whether or not the due date for performance has arrived; or ¬ deactivate or suspend Your Wallet or access to the website or Services, in either event without prejudice to Our right to claim damages.

24.2. You must cash-out or transfer the Abela Mali (if any) within 2 (days) after We have taken any of the steps referred to above (other than cancellation of this Agreement and/or restriction, suspension or cancellation of Your Wallet and/or use of the website.

24.3. Notwithstanding anything else to the contrary in this Agreement, We reserve Our right to cancel this Agreement and/or restrict, suspend or cancel Your Wallet and/or use of the website where We reasonably suspect that Your Wallet has been or is being used in relation to any criminal or otherwise illegal activity. In such an event We will, unless We are prohibited from doing so in law, to take reasonable steps to provide You with notice of any decision to cancel this Agreement and/or restrict, suspend or cancel Your Wallet and/or use of the website. We may be prohibited in law from cashing-out the balance of Your abela Mali (if any), where We have cancelled this Agreement, and/or suspended or cancelled Your Waller and/or use of the website in terms of this clause

24.4. If a technical problem causes any Services (including access to the website) to become unavailable, any system outage or any Wallet errors, We may temporarily suspend access to the Services or the website until the problem is resolved.