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Last updated 29 August 2024
1. Introduction
These Terms of Use (“Terms”) govern the access and use of the open banking APIs provided by Cashful (“we,” “us,” “our”). By accessing or using our APIs, you (“Client,” “you,” “your”) agree to comply with these Terms. If you do not agree to these Terms, you may not use our APIs.
2. API Services
Cashful provides the following API services:
• Financial Data APIs: Including, but not limited to, transactions, balance inquiries, and account authentication.
• Payment APIs: Including, but not limited to, pay-ins and pay-outs.
3. Account Registration
To access our APIs, you must register for an account. You agree to provide accurate and complete information during the registration process and to update such information as necessary.
4. Usage and Access
• API Keys: Upon registration, you will receive API keys that are unique to your account. You are responsible for maintaining the confidentiality of these keys and for all activities that occur under your account.
• Compliance: You agree to use the APIs only for lawful purposes and in accordance with these Terms.
5. Financial Data APIs Usage
• Funding Your Wallet: To use the Financial Data APIs, you are required to pre-fund a wallet in your account. The wallet balance will be used to pay for each API call you make.
• Charges and Billing: Charges for Financial Data API calls are deducted from your wallet on a per-call basis. The cost per API call will be specified in the API documentation or communicated to you.
• Non-Refundable: All charges incurred for API calls are non-refundable, regardless of whether the API call was successful or not.
• Wallet Balance: You are responsible for maintaining a sufficient balance in your wallet. If your wallet balance is insufficient, your access to the Financial Data APIs may be suspended until additional funds are added.
6. Payment APIs Usage
• Transaction Processing: You may use the Payment APIs to facilitate pay-ins and pay-outs. You are responsible for ensuring that all payment instructions provided through the APIs are accurate and authorized.
• Fees: Transaction fees for Payment API usage will be specified in the API documentation or communicated to you. These fees may vary based on transaction volume, type, and other factors.
7. Security and Data Privacy
• Security Measures: You agree to implement and maintain industry-standard security measures to protect the data accessed and transmitted via our APIs.
• Data Privacy: You are responsible for ensuring that any data collected or processed using our APIs complies with applicable data protection laws and regulations. Cashful will not be responsible for any data breaches or privacy violations that occur as a result of your use of the APIs.
8. Termination
• Termination by Cashful: We may terminate or suspend your access to the APIs at any time, with or without notice, if you breach these Terms or if we determine that your use of the APIs is unlawful or harmful to our interests.
• Termination by You: You may terminate your use of the APIs at any time by discontinuing access and use. Any outstanding balances in your wallet will not be refunded upon termination.
9. Limitation of Liability
• No Warranty: The APIs are provided “as is” and “as available,” without any warranties of any kind, express or implied. We do not warrant that the APIs will be uninterrupted, error-free, or secure.
• Limitation of Liability: In no event shall Cashful be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the APIs, even if advised of the possibility of such damages.
10. Indemnification
You agree to indemnify, defend, and hold harmless Cashful, its affiliates, and its employees from any claims, damages, liabilities, or expenses arising from your use of the APIs, your breach of these Terms, or your violation of any rights of a third party.
11. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of South Africa. Any disputes arising from or related to these Terms shall be resolved through binding arbitration in South Africa, except for claims that may be brought in small claims court.
12. Changes to These Terms
We may update these Terms from time to time. Any changes will be effective upon posting the updated Terms on our website or through the API portal. Your continued use of the APIs after the changes are posted constitutes your acceptance of the revised Terms.
13. Contact Information
If you have any questions or concerns about these Terms, please contact us at:
Email: info@cashful.africa
Cashful ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.cashful.africa or uses our services.
1. INFORMATION WE COLLECT
We may collect information about you in a variety of ways. The information we may collect includes:
1.1. Personal Data
Identifiable information such as your name, email address, and phone number that you provide when you create an account or contact us.
1.2. Financial Data
Bank account information, transaction details, and balances necessary to facilitate open banking services.
2. HOW WE USE YOUR INFORMATION
We use the information we collect for various purposes, including to:
• Provide, operate, and maintain our services.
• Process transactions and send related information.
• Improve our website and services.
• Communicate with you, including responding to your inquiries and providing customer support.
• Personalize your experience and deliver content and product offerings relevant to your interests.
• Monitor and analyze usage and trends to improve our services.
• Detect, prevent, and address technical issues and fraudulent activities.
• Comply with legal and regulatory requirements.
3. SHARING YOUR INFORMATION
We may share your information in the following circumstances:
With Your Consent: We may share your information if you give us explicit permission to do so.
Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as payment processing and data analysis.
Legal Obligations: We may disclose your information if required to do so by law or in response to valid requests by public authorities.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.
4. DATA SECURITY
We use administrative, technical, and physical security measures to protect your personal information. However, no security measures are foolproof, and we cannot guarantee the absolute security of your data.
Our measures include:
Administrative Measures: Policies and procedures designed to protect data privacy.
Technical Measures: Use of encryption, firewalls, and secure servers to protect data.
Physical Measures: Secure access controls to buildings and files.
5. YOUR RIGHTS AND CHOICES
You have certain rights regarding your personal information, including:
Access: You can request access to the personal information we hold about you.
Correction: You can request that we correct or update inaccurate or incomplete information.
Deletion: You can request that we delete your personal information, subject to certain legal obligations.
Opt-Out: You can opt out of receiving promotional communications from us by following the unsubscribe instructions provided in those communications.
6. COOKIES AND TRACKING TECHNOLOGIES
We do not use cookies or similar tracking technologies on our website.
7. THIRD-PARTY LINKS
Our website does not contain links to third-party websites.
8. INTERNATIONAL DATA TRANSFERS
Your information may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different from the laws of your country.
9. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website and sending an email notification.
10. CONTACT US
If you have any questions about this Privacy Policy, please contact us at:
Cashful
Email: info@cashful.africa
1. Introduction
This Developer Policy (“Policy”) governs the development and use of applications and services that integrate with the Cashful APIs (“APIs”). By using our APIs, you (“Developer,” “you,” “your”) agree to comply with this Policy. If you do not agree to this Policy, you may not use our APIs.
2. API Access and Use
• API Keys: Developers must register for an account to obtain API keys. API keys are unique to your account and must be kept confidential. You are responsible for all activities that occur using your API keys.
• Permitted Uses: You may use the APIs to develop, test, and operate applications or services that interact with the Cashful platform. All uses must comply with applicable laws and this Policy.
3. Developer Responsibilities
• Compliance: Developers are responsible for ensuring that their applications comply with all applicable laws, including data protection and privacy regulations.
• Security: Developers must implement industry-standard security practices to protect the data accessed or transmitted via our APIs. This includes encryption of sensitive data and secure storage of API keys.
• Monitoring: You must monitor the performance and usage of your application to ensure it does not negatively impact the Cashful platform or its users.
• User Data: If your application collects or processes user data, you must obtain clear and informed consent from the users before doing so. You are responsible for the protection of this data in compliance with applicable data protection laws.
4. Prohibited Activities
• Abuse of the API: You may not use the APIs to conduct any activity that is illegal, fraudulent, or harmful. This includes but is not limited to, spamming, phishing, and distributing malware.
• Excessive Usage: You must not exceed the usage limits specified in the API documentation. Excessive use of the APIs may result in temporary or permanent suspension of your access.
• Interference: You may not interfere with or disrupt the functionality of the Cashful platform or the APIs, including attempting to bypass any security measures.
5. Data Privacy and Security
• User Data: Developers are required to handle all user data in accordance with applicable data protection laws. Any data collected through the APIs must be used solely for the purposes for which the user has given explicit consent.
• Data Breach: In the event of a data breach involving data accessed or transmitted via the APIs, you must notify Cashful immediately and take all necessary steps to mitigate the breach.
6. Branding and Attribution
• Brand Use: You may not use the Cashful name, logo, or trademarks without our prior written consent. Any authorized use must comply with our branding guidelines.
• Attribution: If your application displays data sourced from the Cashful APIs, you must provide appropriate attribution, as specified in the API documentation or branding guidelines.
7. Termination of Access
• Termination by Cashful: We reserve the right to suspend or terminate your access to the APIs at any time, for any reason, including but not limited to, violations of this Policy or any applicable laws.
• Termination by Developer: You may terminate your use of the APIs at any time by discontinuing access and use. Upon termination, you must delete all data obtained through the APIs.
8. Updates and Changes to the APIs
• API Changes: Cashful reserves the right to modify or discontinue any API, temporarily or permanently, with or without notice. We will make reasonable efforts to notify developers of any significant changes.
• Policy Updates: We may update this Policy from time to time. Any changes will be effective upon posting the updated Policy on our website or through the API portal. Your continued use of the APIs after the changes are posted constitutes your acceptance of the revised Policy.
9. Liability and Indemnification
• No Warranty: The APIs are provided “as is” and “as available,” without any warranties of any kind, express or implied. Cashful does not warrant that the APIs will be uninterrupted, error-free, or secure.
• Indemnification: You agree to indemnify, defend, and hold harmless Cashful, its affiliates, and its employees from any claims, damages, liabilities, or expenses arising from your use of the APIs, your breach of this Policy, or your violation of any rights of a third party.
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10. Contact Information
If you have any questions or concerns about this Developer Policy, please contact us at:
Email: info@cashful.africa
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