Terms of Service

These Terms of Service ("Terms") are a legal agreement between you and ZD Rewards (Pty) Ltd ("ZD Rewards", "we", "us") governing your use of the ZeroDeposit app and the ZD Rewards rewards programme. Please read them carefully. By creating an account or using ZD Rewards, you agree to these Terms and to our Privacy Policy.

1. About these terms

ZD Rewards is operated by ZD Rewards (Pty) Ltd. These Terms, together with our Privacy Policy and any programme rules we publish, form the whole agreement between you and us about ZD Rewards. If any programme rule conflicts with these Terms, these Terms prevail unless we say otherwise.

2. Eligibility

• You must be at least 18 years old and able to enter into a binding contract.
• You must be a tenant on a qualifying lease that participates in ZD Rewards.
• You must provide accurate information and keep it up to date.
• You must use ZD Rewards only for lawful, personal purposes.

ZD Rewards is offered in the Republic of South Africa. If you do not meet these requirements, you may not use the service.

3. Your account

You sign in using your mobile number and a one-time PIN sent by SMS. You are responsible for keeping access to your mobile number and device secure, and for activity that takes place through your account. Tell us promptly if you think your account has been used without your permission. We may require identity verification before enabling certain features (such as payments).

4. What ZD Rewards is

ZD Rewards is a rewards and loyalty programme for renters. It lets you earn rewards for good tenancy behaviour (such as paying rent on time and staying in good standing), view your balance and statements, redeem rewards, and — where enabled — set up payments and settle your account at move-out.

ZD Rewards is not:

• a bank, credit provider, insurer or financial-advice service;
• your lease or a substitute for your lease agreement with your landlord; or
• a guarantee of any particular reward, outcome or monetary value.

Your lease is a separate agreement between you and your landlord or their managing agent. ZD Rewards works alongside it but does not change its terms.

5. Earning rewards

• You earn points and rewards according to the programme rules in force at the time — for example, for on-time payments and for the length of your tenancy.
• Points and rewards have no cash value except as expressly provided in the programme, cannot be transferred or sold, and are not your property or a deposit.
• We may adjust, reverse or withhold points that were awarded in error, through a system fault, or in connection with fraud, abuse or a breach of these Terms.
• We may change the programme rules (including how points are earned, tiers and reward values) from time to time. Material changes will be notified in the app or by email.

6. Redeeming rewards

• You can redeem rewards in the in-app Rewards Shop for items such as airtime, data, prepaid electricity and vouchers, subject to availability.
• Vouchers, PINs and codes are bearer instruments: treat them like cash. We are not responsible for codes lost, shared or stolen after they are issued to you.
• Rewards fulfilment is provided by third-party partners and may be subject to their terms, expiry dates and usage limits.
• Rewards linked to your tenancy may only be unlocked when you settle your account and finish your lease in good standing, as described in the programme rules.

7. Payments and debit orders

• Where you choose to pay through ZD Rewards, payments are processed by our payment partner. You authorise the relevant payment, debit order or DebiCheck mandate when you set it up, and you confirm the bank account and details you provide are yours and accurate.
• Card details are entered on the payment partner's secure page; we do not receive or store your full card number.
• You are responsible for ensuring sufficient funds are available. Your bank and our payment partner may charge fees and apply their own terms.
• You may cancel a future debit-order mandate, subject to any amounts you still owe under your lease. Cancelling a ZD Rewards mandate does not cancel your underlying obligation to your landlord.

8. Move-out and settlement

At the end of your lease, ZD Rewards may show your final account position based on information from your landlord's property-management platform, and let you settle any balance owed. Finishing in good standing may unlock rewards you have earned, as set out in the programme rules. The final amounts owed are determined by your landlord or agent, not by ZD Rewards.

9. Acceptable use

You agree not to:

• use ZD Rewards unlawfully, fraudulently, or to launder money or evade obligations;
• provide false information or impersonate anyone;
• attempt to manipulate, game or artificially inflate points or rewards;
• access another person's account, or share your account access;
• reverse-engineer, decompile, tamper with, or attempt to circumvent the security of the app or our systems, except to the extent the law does not allow us to prevent it;
• use bots, scrapers or automated means to access the service; or
• interfere with or disrupt the service or infringe others' rights.

10. Your licence to use the app

We grant you a personal, limited, non-exclusive, non-transferable, revocable licence to install and use the ZeroDeposit app on a device you own or control — and, for the Apple App Store version, on an Apple-branded product you own or control as permitted by the Usage Rules in Apple's App Store terms — solely to use ZD Rewards in accordance with these Terms. All intellectual property in ZD Rewards, the app, and our branding remains ours or our licensors'. You may not copy, modify, distribute, sell or lease any part of the service except as these Terms allow.

11. Third-party services

ZD Rewards relies on third-party providers for sign-in, payments, rewards fulfilment, hosting and tenancy data (listed in ourPrivacy Policy). Their services are subject to their own terms, and we are not responsible for their acts or omissions beyond what the law requires. Your relationship with your landlord or managing agent, and with the property-management platform they use, is governed by your separate agreements with them.

12. App-store terms

You obtain the app through the Apple App Store or Google Play, and their terms also apply. The following applies to the Apple App Store version:

• These Terms are between you and ZD Rewards only, not with Apple. Apple is not responsible for the app or its content.
• Apple has no obligation to provide maintenance or support for the app.
• If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) you paid for the app; to the maximum extent permitted by law, Apple has no other warranty obligation regarding the app.
• To the maximum extent permitted by law, Apple is not responsible for product claims relating to the app — including product-liability claims, claims that the app fails to meet a legal or regulatory requirement, and claims under consumer-protection or privacy law — or for third-party claims that the app infringes intellectual-property rights; these are between you and ZD Rewards.
• You confirm you are not located in a country subject to a relevant embargo and are not on a prohibited-parties list.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

For the Google Play version, Google's terms and the Play Store policies apply in addition to these Terms.

13. Availability and changes

We aim to keep ZD Rewards available and reliable, but we provide it on an "as available" basis and may change, suspend or discontinue features, or the whole service, at any time. Some features may be offered as trials or in beta and may change or be withdrawn.

14. Disclaimers

To the maximum extent permitted by law, ZD Rewards is provided "as is" and "as available", without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the service will be uninterrupted, error-free or secure, or that rewards, balances or statements displayed will always be accurate or available. Nothing in this section limits the statutory rights described in section 18.

15. Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special or consequential losses, or for loss of profits, data, goodwill or rewards value. Our total liability arising out of or in connection with ZD Rewards is limited to the greater of the amount of fees (if any) you paid us for the service in the twelve months before the event giving rise to the claim, or ZAR 1,000. Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability under the Consumer Protection Act, 2008 where it applies.

16. Indemnity

You agree to indemnify us against reasonable claims, losses and costs arising from your unlawful use of ZD Rewards, your breach of these Terms, or your infringement of another person's rights, to the extent the law permits.

17. Suspension and termination

You may stop using ZD Rewards and delete your account at any time (see theAccount & Data Deletion page). We may suspend or terminate your access if you breach these Terms, if required by law, on fraud or security grounds, or if your qualifying lease ends. On termination, unredeemed points and rewards may be forfeited as set out in the programme rules, except where the law requires otherwise. Sections that by their nature should survive termination (including intellectual property, disclaimers, liability and governing law) will continue to apply.

18. Your statutory rights

Nothing in these Terms excludes, restricts or waives any right you have under South African law that cannot lawfully be excluded, including under the Consumer Protection Act, 2008 and POPIA. Where these Terms conflict with such a right, that right prevails.

19. Governing law and disputes

These Terms are governed by the laws of the Republic of South Africa. If you have a problem, please contact us first — we will try to resolve it. Disputes are subject to the jurisdiction of the courts of the Republic of South Africa, without affecting any right you have to approach a relevant ombud, the National Consumer Commission, or the Information Regulator.

20. General

• We may update these Terms from time to time; material changes will be notified and the "Last updated" date changed. Continued use means you accept the updated Terms.
• If any provision is found unenforceable, the rest remains in force.
• Our not enforcing a term is not a waiver of it.
• You may not transfer your rights under these Terms; we may transfer ours as part of a business transfer, with notice.

21. Contact

Questions about these Terms? Emailhello@zdrewards.co.za orget in touch.

Questions about this document? Emailhello@zdrewards.co.za orget in touch.