Terms of Use

These Terms and Conditions ("Terms") govern your use of the Luupa platform, including the mobile web application, WhatsApp service channel, and any related services (collectively, the "Platform") operated by Luupa (Pty) Ltd ("Luupa", "we", "us", or "our"), a company registered in the Republic of South Africa.

By registering for or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, please do not use the Platform.

These Terms must be read together with our Privacy Policy, which forms part of this agreement.

To register and use Luupa, you must:

• Be at least 18 years of age;
• Be a South African citizen or permanent resident with a valid South African Identity Number, or a foreign national with a valid passport;
• Have a valid South African mobile number capable of receiving WhatsApp messages.

By registering, you warrant that the information you provide is accurate, complete, and up to date.

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately if you suspect any unauthorised access to your account.

You may only hold one Luupa account. Creating duplicate accounts is prohibited and may result in the suspension of all associated accounts and forfeiture of any points balance.

Your username may only be changed once every 90 days. Certain reserved words may not be used as usernames. Luupa reserves the right to reclaim usernames that violate these Terms.

Luupa allows tenants to upload proof of payment ("POP") for their rent. By submitting or confirming a POP, you confirm that the information presented is accurate and relates to a genuine payment transaction.

Submitting a fraudulent, doctored, duplicated, or otherwise misleading POP constitutes a material breach of these Terms. Luupa reserves the right to immediately suspend the relevant account, forfeit any points balance, and report the matter to the relevant authorities, including the South African Police Service (SAPS) and the South African Fraud Prevention Service (SAFPS).

Luupa uses automated document analysis and may share flagged documents with the relevant landlord for verification purposes.

Points are awarded at Luupa's sole discretion, subject to successful verification of rent payments. Points have no monetary value and cannot be exchanged for cash or transferred between accounts.

Points that remain unused for 12 consecutive months may expire. Users will receive advance notice before any expiry.

Rewards redeemed are subject to the terms and conditions of the relevant third-party partner. Luupa is not responsible for the fulfilment of partner rewards once a voucher code has been issued.

Luupa reserves the right to modify, suspend, or terminate the points and rewards programme at any time. Where possible, reasonable advance notice will be given.

Luupa calculates an internal credit score based on rental payment behaviour on the Platform. This is not a formal credit bureau score and does not replace assessments performed by registered credit bureaus under the National Credit Act 34 of 2005 ("NCA").

Financial products displayed on the Platform are offered by third-party providers regulated under South African law. Luupa acts as a referral intermediary only and is not a registered credit provider, financial services provider, or insurance company.

Luupa may earn a commission when a user successfully applies for a financial product via the Platform.

You may not use the Platform to:

• Submit false, fraudulent, or misleading information;
• Attempt to manipulate points balances, credit scores, or payment statuses;
• Impersonate another person or entity;
• Interfere with or disrupt the Platform or its infrastructure;
• Use automated tools (bots, scrapers) to access the Platform without prior written consent;
• Engage in any activity that violates applicable South African law, including the Electronic Communications and Transactions Act 25 of 2002 ("ECTA"), the Cybercrimes Act 19 of 2020, the Consumer Protection Act 68 of 2008 ("CPA"), or the Protection of Personal Information Act 4 of 2013 ("POPIA").

All content, trademarks, logos, and intellectual property on the Platform are owned by or licensed to Luupa. You may not reproduce, distribute, or create derivative works from any part of the Platform without prior written permission.

The Platform is provided on an "as is" and "as available" basis. To the maximum extent permitted by South African law, Luupa disclaims all warranties, express or implied, including fitness for a particular purpose and uninterrupted availability.

To the maximum extent permitted by law, Luupa's liability for any claim arising from your use of the Platform is limited to the amount you paid to Luupa (if any) in the three months preceding the claim. Luupa is not liable for indirect, special, or consequential loss.

Nothing in these Terms limits Luupa's liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded under the CPA or ECTA.

You may close your account at any time. Closing your account will result in the permanent deletion of your data on the Platform.

Luupa may suspend or terminate your account immediately if you breach these Terms, without prejudice to any other remedies available to us.

These Terms are governed by the laws of the Republic of South Africa. Any dispute that cannot be resolved informally will be referred to the jurisdiction of the South Gauteng High Court (Johannesburg), unless the CPA requires otherwise.

You may also refer disputes to the relevant ombud or regulatory body under South African law.

Luupa may update these Terms from time to time. Material changes will be communicated via in-app notification and/or WhatsApp at least 20 business days before they take effect, as required by section 49 of the CPA. Your continued use of the Platform after the effective date constitutes acceptance of the updated Terms.

For questions about these Terms, please contact us at legal@luupa.co.za.