TERMS OF SERVICE — VUMA PAY (PTY) LTD

Last updated: 18 January 2026

1. THE SERVICE

Vuma Pay (Pty) Ltd ("Vuma Pay", "we", "us") provides a digital platform designed to facilitate household employment management, including contract generation, automated payslips, and Earned Wage Access (EWA). Vuma Pay is a technology service provider; we are not a bank, a credit provider, or a registered financial services provider.

2. EARNED WAGE ACCESS (EWA)

  • Definition: EWA allows Workers to access a portion of their already-earned wages before the standard monthly payday.
  • Funding Source: All EWA disbursements are funded directly by the Employer. Vuma Pay facilitates the movement of these funds via third-party payment gateways. Vuma Pay does not provide loans or credit.
  • Employer Authorization: By linking a payment card, the Employer authorizes Vuma Pay to deduct the EWA amount (plus a transaction fee) whenever the Employer approves a Worker's request via WhatsApp.
  • Automation: Vuma Pay will automatically reflect EWA disbursements as deductions on the Worker's next generated payslip.

3. PAYMENTS & SUBSCRIPTIONS

  • Subscription Fee: Employers pay a monthly service fee (e.g., R49) for access to the platform, contract management, and payslip automation.
  • Paystack Integration: We utilize Paystack for secure card tokenization. By using the service, you agree to Paystack's terms. We do not store full credit card details on our servers.
  • Transaction Fees: Each EWA request carries a fixed transaction fee to cover processing costs, which is clearly displayed before approval.

4. COMPLIANCE & LEGAL DOCUMENTS

  • Contract Generation: While Vuma Pay provides a standard domestic employment contract, the Employer is responsible for reviewing and ensuring it meets their specific legal needs.
  • UIF & COID: Vuma Pay facilitates the record-keeping for salary payments, but the Employer remains solely responsible for the actual registration and monthly contribution payments to the Unemployment Insurance Fund (UIF) and COID.

5. BETA STATUS & LIABILITY

Vuma Pay is in a "Beta" phase. The Service is provided "as-is." Our total liability is limited to the subscription fees paid by you in the preceding 12 months.