1. GENERAL
| 1.1 | Important clauses that may limit our responsibility or involve some risk for you are in bold. You must pay special attention to them. |
| 1.2 | These Terms are between you and us, The Standard Bank of South Africa Limited. When we refer to you or your, we mean you, being the person who registered for the Mobile App. |
| 1.3 | In addition to these Product Terms, you are also bound by our Mobile Application Banking Terms and Conditions, including all definitions (Terms). Words defined in the Terms will have the same meaning in these Product Terms. |
2. CHANGING THESE TERMS
| We can change these Product Terms at any time. We will let you about these changes through the Mobile App or any other form of communication that we may use. If you don't agree to the changes, you must stop using the Service. You may not change any of these Product Terms. |
3. ABOUT THE SERVICE
| The Service allows you to request payments from friends and family (Payer) by generating a QR Code or through near field communication (NFC). The Payer will be able to see your Personal Information (such as your name and account number) when responding to your payment request. |
4. WHO CAN USE THE SERVICE AND HOW IT WORKS
| 4.1 | This Service is only available to you through the Mobile App and if your smartphone supports it. |
| 4.2 | You can only send a payment request to a Payer that also has a Mobile App. |
| 4.3 | The Payer must be nearby when you send a Payment Request. |
| 4.4 | You must only use the Service for lawful purposes. |
5. LIMIT TO OUR RESPONSIBILITY TO YOU
| 5.1 | You use the Service at your own risk. We are not responsible if the Payer makes a wrong payment to you. |
| 5.2 | Once you have sent a payment request, you cannot stop it or take it back. We will not get involved in any dispute between you and the Payer. If you have a dispute with the Payer, you must deal with the Payer directly. |
| 5.3 | By sending a payment request to a Payer, you consent to us sharing your Personal Information with the Payer. We are not responsible for what else they do with this Personal Information. |
6. FEES
| We do not charge a fee for the Service. If we decide to charge a fee in the future, we will let you know about this through the Mobile App or any other form of communication that we may use. |
7. AVAILABILITY
| 7.1 | We can't always guarantee that the Service will be continuous or fault-free. The Service may be affected by reasons beyond our control, such as physical obstructions, radio interference, the functionality of your smartphone, network coverage, faults with other networks and the number of people trying to use the Service at the same time. |
| 7.2 | The Service may need upgrading or maintenance from time to time, which may cause the Service to be unavailable or interrupted. Where possible, we will advise you of this in advance. |
| 7.3 | We may in our sole discretion suspend, discontinue, terminate and modify the Service, with or without notice to you. |
8. HOW TO CONTACT US
| If you have any questions or complaints about these Product Terms, you may contact us through the Mobile App. |