Welcome to Buzz

Our Commitment to Privacy

Paypi (Pty) Ltd (“Buzz” or the “Company”) is committed to maintaining a safe and sound operating environment for all stakeholders.

We care about your personal information and will always store and encrypt this data safely. Buzz will never share this information with third parties without your explicit consent. Should you have any questions or concerns regarding your account and/your personal information, please email us at support@buzzpay.co.za or leave us a message inside the Buzz mobile application.

Applicability of Privacy Policy

This privacy policy applies to all information we collect through, but not limited to, our web and mobile applications from Buzz users.

Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymised so that it does not identify a specific user.

Personal Information

When you visit the website or use our mobile applications, we collect your IP address, and standard web log information, such as your browser type and the pages you accessed on our website. We also may collect certain geo-location information. If you do not agree to our collection of this information, you may not be able to use our service.

If you open an account, we collect the following information from you:

• Mobile Number
• Mobile Device Type & ID
• Identification Information: first name, surname, email address
• Profile Photograph
• Financial Information: bank account number and branch code linked to your Buzz account. Buzz does not share this information with third parties. This data is encrypted using the latest encryption methods.
• Card Details: Buzz does not store your credit/debit card details, ever. All cards are tokenised and encrypted by PayGate (https://paygate.co.za), who is a PCI DSS Level 1 Certified Payment Gateway. The Buzz team and stakeholders have no access to this information and will never attempt to share this information with third parties.

As we continue to grow and develop the Buzz payment ecosystem, we will always put your safety and privacy first. As our product offering grows, we may require additional personal information from you in order to manage risk and be compliant with all applicable legislation and regulation. As stated, we will never share this information and all data is encrypted.

When you are using the Buzz Service, we collect information about your behaviour on the Buzz platform. We collect this information to ensure that all users are safe and for fraud protection and other similar risks. This includes, but is not limited to, payment history, topup history, withdrawal history and wallet balance history. We will also store all communication with our support staff in order to improve our service to you.

How We Use Cookies

When you access the Buzz website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer. These cookies help us identify and recognise users frequently visiting our website and allow us to improve our service. You are free to decline Buzz cookies if your browser permits, but doing so may interfere with your use of the website.

We make reasonable efforts to ensure security on our systems. Despite our efforts, we cannot guarantee that personal information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Buzz password with anyone.

If Buzz learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Buzz Service, you agree that Buzz may communicate with you electronically. Buzz may post a notice on the website if a security breach occurs. We may also send an email to you at the email address you have provided to us. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice of a security breach) you should notify us.

How We Use The Personal Information We Collect

Our primary purpose in collecting personal information is to provide you with Buzz services in a safe and efficient manner. We may use your personal information to:

• provide Buzz payment services to users in a safe manner
• process payments, topups and withdrawals
• resolve disputes, collect fees, and troubleshoot problems
• prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement
• improve the Buzz ecosystem and service offering through new services or rectifying issues and bugs
• communicate with you regarding new services and terms
• perform other duties as required by law

How We Share Personal Information Within The Buzz Network

To process payments on Buzz, we need to share some of your personal information with the person that you are paying or is paying you. Your first name, surname, mobile number and profile photograph will be shared with the individual on the other side of the payment. We will never share any additional information without your explicit consent.

At times, provided a valid subpoena is produced, Buzz may be required to share personal information with law enforcement.

How We Share Personal Information with Other Parties

Buzz does not share your personal information with third parties for promotional or marketing purposes.

We may share your personal information with:

• Companies that Buzz plans to merge with or be acquired by or, in the event of any bankruptcy, a bankruptcy estate. Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice and the opportunity to communicate preferences you may have, if applicable.
• Law enforcement, government officials, or other third parties if Buzz is compelled to do so by a subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of personal information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the Buzz User Agreement, or as otherwise required by law.
• Third party service providers who assist us in providing services to you or who provide fraud detection or similar services on our or any vendor's behalf.
• Service providers under contract who help with parts of our business operations (for example, fraud prevention, payment processing, or technology services); Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.
• Other third parties with your consent or at your direction to do so.

How You Can Access or Change Your Personal Information

You can review and update your personal information in your account settings at any time by logging into your account.

Links to Other Sites

The website may contain links to other sites. Buzz does not control the information collection of sites that can be reached through links from the website. We encourage our users to be aware when they are leaving the website and to read the privacy statements of any site that collects personally identifiable information.

Changes to Our Privacy Policy

Buzz is always improving and growing. As the Buzz service evolves we may occasionally update this privacy policy. If we modify this privacy policy, we will post the revised privacy policy to the website, and we will also revise the "last updated date" stated above. If we make material changes in the way we use personal information, we will notify you by posting an announcement on our service or by sending you an e-mail. It is your responsibility to periodically review this privacy policy; users are bound by any changes to the privacy policy by using the service after such changes have been first posted.

Consent

When you provide us with personal information, we imply that you consent to our collecting it for the sole purpose of providing Buzz services to you, the user.

If we ask for your personal information for a secondary reason, like marketing, we will either ask you directly for your expressed consent, or provide you with an opportunity to say no.

If after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your information, at anytime, by contacting us at support@buzzapp.co.za

TERMS OF SERVICE

OVERVIEW

This website is operated by 36five Holdings (Pty) Ltd.. Throughout the site, the terms “we”, “us” and “our” refer to 36five Holdings (Pty) Ltd.. 36five Holdings (Pty) Ltd. offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

By visiting our site and/ or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

SECTION 1 - SERVICE TERMS

By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

You must not transmit any worms or viruses or any code of a destructive nature.

A breach or violation of any of the Terms will result in an immediate termination of your Services.

SECTION 2 - GENERAL CONDITIONS

We reserve the right to refuse service to anyone for any reason at any time.

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.

The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

SECTION 3 - ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.

This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.

SECTION 4 - MODIFICATIONS TO THE SERVICE AND PRICES

Prices for our products are subject to change without notice.

We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.

We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

SECTION 5 - ACCURACY OF BILLING AND ACCOUNT INFORMATION

We reserve the right to refuse any action you attempt to make on our platform.

You agree to provide current, complete and accurate transaction and account information for all transactions made on our platform. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

SECTION 6 - PROHIBITED USES

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

SECTION 7 - DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.

We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.

You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.

You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

In no case shall 36five Holdings (Pty) Ltd., our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

SECTION 8 - INDEMNIFICATION

You agree to indemnify, defend and hold harmless 36five Holdings (Pty) Ltd. and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

SECTION 9 - SEVERABILITY

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

SECTION 10 - ENTIRE AGREEMENT

The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).

Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

SECTION 11 - GOVERNING LAW

You can review the most current version of the Terms of Service at any time at this page.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

SECTION 13 - CONTACT INFORMATION

Questions about the Terms of Service should be sent to us at support@buzzpay.co.za.

For any transactions that the user deems incorrect, once they have contacted our support team, via email, the transaction will be investigated. If the transaction is incorrect, the user will be refunded the full amount to their original form of payment. For transaction queries, please email support@buzzpay.co.za