Zap Terms of Service

Effective date: 12 August 2026

Please read clause 4 before you read anything else

Clause 4 contains the risks of using Zap. Some of them can cost you all of your money, permanently, with no way to get it back. South African consumer law requires us to bring those clauses to your attention specifically, so we have put them near the front rather than burying them, and we ask you to acknowledge them separately when you sign up.

The clauses we are required to draw to your attention are printed in bold throughout this document. They appear in clauses 4, 10, 11, 12, 13, 22 and 24.

1. Who we are, and how to reach us


Registered name	ZA Payments (Pty) Ltd
Trading as	Zap
Company registration number	2025/911807/07
Directors	Arian Linus Sebastian Hobson
Registered and physical address	194 Bancor Avenue, Park Lane West Building, Waterkloof Glen, Pretoria, 0181, South Africa
Address for legal service	As above
Email	ari@zapzar.co.za
Support	support@zapzar.co.za
Website	https://zapzar.co.za
FIC registration	Registered with the Financial Intelligence Centre as an accountable institution under the Financial Intelligence Centre Act 38 of 2001, on 12 August 2026, under reference SHREG-260812-0000141
Membership of self-regulatory bodies	None
Codes of conduct we subscribe to	None

This block is here to satisfy section 43(1) of the Electronic Communications and Transactions Act 25 of 2002.

What the FIC registration is, and what it is not. Registering with the Financial Intelligence Centre is an anti-money-laundering obligation that applies to us because we are an accountable institution. It is how the Centre knows who we are so that we can report to it, and it is the reason we have to verify your identity and keep records of what you do. It is not a licence, an approval or an endorsement of Zap by the Centre or by any other regulator, and it changes nothing in clause 3.

2. What these terms are, and how you accept them

These Terms of Service are a legal agreement between you and ZA Payments (Pty) Ltd. They apply every time you download, open or use the Zap app or our website.

You accept them by tapping to agree when you create an account. If you do not agree, do not use Zap.

The whole agreement consists of:

these Terms of Service,
the Privacy Policy at https://zapzar.co.za/legal/privacy,
the Fee Schedule at https://zapzar.co.za/#faq,
the Apple App Store Additional Terms in Schedule A, and
the terms of any third party whose service you choose to use through Zap, in particular Bridge for bank deposits and withdrawals.

If these Terms conflict with the Privacy Policy on a privacy matter, the Privacy Policy wins. If they conflict with a third party's terms in respect of that third party's own service, the third party's terms win for that service. Otherwise these Terms win.

Electronic agreement. You agree that this agreement is concluded electronically and is valid and enforceable under sections 11, 12, 13, 22 and 24 of the Electronic Communications and Transactions Act. You agree to receive notices, statements and disclosures from us electronically.

3. What Zap is, and what Zap is not

Zap is software. We make a mobile application that lets you create and control a blockchain wallet, hold crypto assets in it, and send them to other people. That is the entirety of what we provide.

Read this carefully:

Zap is not a bank and does not conduct the business of a bank as defined in the Banks Act 94 of 1990. We do not take deposits.
Zap is not an authorised financial services provider under the Financial Advisory and Intermediary Services Act 37 of 2002, and does not hold a licence as a crypto asset service provider.
Zap does not give financial, investment, tax or legal advice. Nothing in the app, on our website, in our marketing or from our support team is advice or a recommendation. Every decision you make is yours.
Zap does not hold your money. Your crypto assets sit in a blockchain wallet that you control through the app. They are not on our balance sheet and they are not a claim against us.
Your balances are not deposits. They are not protected by the Corporation for Deposit Insurance, by the South African Reserve Bank, or by any deposit insurance or investor compensation scheme anywhere. If your assets are lost, there is no scheme that will make you whole.
We pay no interest on anything you hold.
Crypto assets are not legal tender in South Africa. Nobody is obliged to accept them.

Bank deposits and withdrawals are not provided by us. Where the app offers deposits to or withdrawals from a bank account, that service is provided by Bridge, under Bridge's own agreement with you, which you enter into directly. Zap presents Bridge's flow inside the app and passes information between you and Bridge. We do not execute those payments, we do not hold the money in transit, and we are not responsible for Bridge's performance. Clause 15 has the detail.

4. Risks. Read this clause.

By using Zap you accept the following risks, and you agree that we are not liable for losses arising from them. This clause is drawn to your attention specifically as required by section 49 of the Consumer Protection Act 68 of 2008.

4.1 Blockchain transactions cannot be reversed

Once a transaction is submitted to a blockchain network it is final. It cannot be cancelled, reversed, recalled, charged back or amended by you, by us, or by anyone else in the world. There is no equivalent of a bank reversal or a card chargeback. If you send money to the wrong person, that money is gone unless the recipient voluntarily sends it back.

4.2 You are responsible for the recipient

You must check who you are paying before you confirm. ZapTags can be similar to one another, phone numbers get recycled and reassigned to new people, and a QR code can be swapped or tampered with by someone else. If you pay the wrong person because you mistyped a tag, scanned the wrong code, or relied on an out of date contact, that is your loss. We will try to help you contact the recipient and ask them to return the funds, but we cannot compel them and we are not obliged to try.

4.3 If you lose access, your money may be gone permanently

Your wallet is secured by keys and recovery methods that you control. If you lose your device, your passkey, your recovery method and any backup, we cannot recover your wallet or your assets for you. Nobody can. The loss is permanent and total. Set up recovery when you sign up. Keep it somewhere safe. Do not share it with anyone, including anyone who says they work for Zap, because we will never ask for it.

4.4 Stablecoins can lose their value

The rand-linked and dollar-linked stablecoins available through Zap are tokens issued by private third party companies, not by us and not by any government. They are not legal tender and are not guaranteed by the South African Reserve Bank or anyone else.

A stablecoin can lose its peg, become illiquid, or become worthless. Your ability to convert it back into rand depends entirely on the issuer's reserves and on that issuer's own terms. Issuers have the technical ability to freeze or blacklist individual wallet addresses at the smart contract level, including yours, without our involvement and without our being able to stop it.

If you hold a dollar-linked stablecoin, you also carry currency risk: if the rand strengthens against the dollar, your holding is worth less in rand.

4.5 Blockchain networks can fail

Networks get congested, halt, fork, roll back, or suffer bugs in the smart contracts your assets depend on. Transactions can be delayed for hours or fail after you have paid the network fee. We do not run these networks and we cannot fix them.

4.6 We depend on third parties

Zap relies on wallet infrastructure, identity verification, blockchain indexing, stablecoin issuers, banks and Bridge. If any of them fails, is hacked, is suspended, changes its rules, or terminates its relationship with us, the service may be interrupted or a feature may disappear, in some cases without notice.

4.7 Sending to the wrong network

Each asset lives on a specific blockchain network. If you send an asset to an address on a different network, or to an address that does not support that asset, it will almost certainly be lost permanently and cannot be recovered.

4.8 Scams

Payment apps attract fraud. Nobody from Zap will ever ask you for your recovery method, your passkey, a verification code, or to install remote access software. Nobody legitimate needs you to send money to "verify" it, to release a prize, or to help a romantic interest you have never met in person. If you are pressured to send money quickly, stop.

5. Who may use Zap

To open an account you must:

be a natural person of at least 18 years of age,
be resident in South Africa and hold a valid South African identity document or passport,
be acting for yourself and not on behalf of anyone else,
not be listed on any sanctions list, or be resident in or acting for a person in a sanctioned jurisdiction,
not already have a Zap account (one account per person), and
have the legal capacity to enter into this agreement.

We do not offer accounts to companies, trusts, partnerships or other legal entities. We may refuse to open an account for any lawful reason.

6. Your account

Accuracy. You must give us true, current and complete information, and keep it up to date. Tell us promptly if your phone number, email address or identity details change. If you keep a phone number on your account that you no longer control, someone else may be able to reach your account through it.

Your ZapTag. Your ZapTag is a username licensed to you, not property you own. We may reclaim, reassign or require you to change a ZapTag that infringes someone's rights, impersonates a person or organisation, is offensive, is reserved, or is being used in bad faith. Tag changes are recorded.

Security is shared. You must keep your device locked, keep the app updated, enable biometric or passcode protection, register a passkey, and tell us immediately at support@zapzar.co.za if you think your account or device has been compromised. You are responsible for transactions made from your account with your credentials, except where the loss is caused by our own fault or where the law says otherwise. We may suspend your account without notice if we believe it has been compromised.

Sessions and devices. You can see every device and active session on your account in Settings, and revoke any of them.

7. Identity verification

You must complete identity verification before you can transact, and before certain limits and features become available. Verification involves submitting an identity document, taking a selfie or short video for a liveness and face match check, and being screened against sanctions, politically exposed person and adverse media lists.

Your biometric information is special personal information under the Protection of Personal Information Act, and we process it on the basis of your explicit consent, which we ask for separately. How we handle it, and how long we keep it, is in the Privacy Policy.

We may at any time require you to re-verify, to provide additional documents, or to explain the source of your funds or wealth. If you do not complete verification, or we cannot verify you, or you refuse a reasonable request for information, we may restrict, suspend or close your account.

8. Your wallet

How it works. When you sign up, a blockchain wallet is created for you using infrastructure provided by Privy. The key material that controls your wallet is split into shares. You hold and control the means to authorise transactions from your wallet through the app.

What we can and cannot do.

We cannot move assets out of your personal wallet without an authorisation from you.
We do operate a company wallet that pays the network fees for your transactions, so that sending money feels free to you. That wallet is ours and holds our funds, not yours.
Where you use a Pool (clause 14), the Pool's wallet is a shared wallet governed by an approval quorum. Depending on how the Pool is configured, we may hold one of the approval keys. Read clause 14.
Where you convert between currencies or use the fiat rails in clause 15, your assets pass through operational wallets for the duration of that operation.

If Privy fails. If Privy suspends or terminates its service, your ability to use your wallet through the Zap app may be interrupted. We will make reasonable efforts to give you a route to your assets, but we cannot guarantee one.

If Zap fails. Assets in your personal wallet are not ours and do not form part of our estate. Assets in transit through an operational wallet at the moment of an insolvency may be at risk.

9. Supported assets and networks

We currently support the Solana and Base networks, and a limited set of stablecoins. We may add, suspend, restrict or remove support for any asset or any network at any time. Where a change materially affects assets you hold, we will give you reasonable notice and a way to move or convert them, unless we are legally or technically prevented from doing so.

We do not support and take no responsibility for forks, airdrops, token migrations or other network events. Assets sent to your address that we do not support may be unrecoverable.

10. Sending and receiving money

Confirming a payment. Before you confirm, the app shows you the recipient, the amount and the fee. Check that screen. Once you confirm, the transaction is submitted and clause 4.1 applies: it cannot be reversed.

Payment requests. A request is an invitation, not an instruction. Nothing moves until the person being asked approves it. Anyone can send you a request, including someone who is trying to trick you. Only approve requests you recognise.

Notes and memos. Anything you write in a payment note is visible to the recipient and stored. Do not use notes to harass, threaten, defame or abuse anyone. We may remove notes and suspend accounts for abuse.

No obligation to intervene. We are not a party to the payments you make. We do not verify what a payment is for, we do not hold funds in escrow, we do not adjudicate disputes between you and the person you paid, and we have no obligation to recover funds for you.

11. Limits, fees and network costs

Limits. Transaction, daily and lifetime limits apply, and depend on your verification level and our assessment of risk. We may vary them at any time, including immediately where we suspect fraud.

Our fees. Our fees are in the Fee Schedule at https://zapzar.co.za/#faq, which forms part of this agreement. We will give you 30 days' notice before increasing a fee or adding a new one.

Network fees. Blockchain transactions cost a network fee, which is paid to the network and not to us. We currently pay these on your behalf for standard peer to peer payments. We are not obliged to keep doing so and may stop at any time on notice. Where you pay a network fee, it is variable, we do not receive it, and it is not refundable even if the transaction fails.

Conversion rates. When you convert between currencies, the rate you see includes our margin. The rate is quoted before you confirm. Rates move constantly and the rate we quote is only valid for the period shown on screen.

Taxes. You are responsible for your own tax. SARS treats crypto assets as intangible assets, which means that disposing of one, including converting between stablecoins, may be a taxable event for you. We do not calculate, withhold or report your tax, except where the law requires us to report. Get your own advice.

12. What you may not do

You may not use Zap to:

launder money, finance terrorism or proliferation, or evade sanctions;
commit or facilitate fraud, including investment scams, romance scams, advance fee scams and mule activity;
pay for anything illegal, including narcotics, weapons, stolen data or child sexual abuse material;
operate an unlicensed money transfer, remittance or exchange business, or transact on behalf of anyone other than yourself;
gamble where gambling is unlawful, or circumvent exchange control;
harass, threaten, stalk, defame or abuse anyone, including through payment notes;
open more than one account, use someone else's account, or let anyone else use yours;
use a VPN or any other means to misrepresent where you are;
scrape, reverse engineer, decompile, disassemble, probe or attack the app, our servers or our partners' systems;
introduce malware, or interfere with anyone else's use of Zap;
infringe anyone's intellectual property.

Breach of this clause is grounds for immediate termination, and may be reported to law enforcement.

13. Suspending, restricting and closing your account

We may suspend, restrict, freeze or close your account, or block a specific transaction, where:

the law, a court order, a regulator or a sanctions obligation requires it;
we suspect fraud, money laundering, terrorist financing or any other criminal activity;
you have failed or refused identity verification;
you have breached these Terms;
your account has been compromised, or we believe someone else is controlling it;
you have died, become insolvent, or lost legal capacity; or
continuing would expose us, other users or our partners to material legal, regulatory or security risk.

Where the law prohibits us from telling you why (in particular where doing so would amount to tipping off under the Financial Intelligence Centre Act), we will tell you that a restriction is in place but we will not be able to explain it. Please do not read our silence as indifference.

What happens to your assets. A freeze does not transfer ownership. Where we are legally permitted to release your assets, we will, once the reason for the freeze has resolved.

Closing your account yourself. You may close your account at any time, from Settings or by writing to support@zapzar.co.za. Withdraw your assets first. We are not able to return assets after your wallet access has ended. Closing your account does not release you from obligations you incurred before closing, and does not oblige us to delete records the law requires us to keep. See the Privacy Policy.

Our right to terminate. We may terminate this agreement for any lawful reason on 30 days' notice, and immediately where a ground listed above applies. On termination we will give you a reasonable opportunity to withdraw your assets.

Death. If you die, your executor may apply to us with letters of executorship and we will deal with your account in accordance with the law. Note that if your recovery method dies with you, there may be nothing we can do to help your estate access your wallet. If this matters to you, plan for it now.

14. Pools

A Pool is a shared wallet you create with other people.

The creator sets the rules. Membership, whether all members are administrators, and the approval quorum for withdrawals.
Withdrawals need approvals. A withdrawal only executes once the quorum approves it.
Zap may hold one of the approval keys as part of the quorum, depending on configuration. We use it only to execute the Pool's own rules.
We are not an escrow agent, a stakeholder, a trustee or an arbiter. If Pool members fall out, we will not decide who is right and we will not release funds to one member against the Pool's rules. Sort it out among yourselves, or take it to court.
No interest is paid on Pool balances.
If a member's account is frozen, the Pool's ability to reach its quorum may be affected. That is a consequence of the rules you chose.
Pools are not investment products. Do not use a Pool to collect money from the public, to run a savings scheme for others, or to operate a stokvel or investment club without your own legal advice.

15. Bank deposits and withdrawals

Where the app offers deposits from or withdrawals to a bank account, that service is provided by Bridge, not by us.

You enter into a separate agreement directly with Bridge, and you complete Bridge's own verification. Bridge's terms apply to that service in addition to these Terms, and where they conflict in respect of that service, Bridge's terms prevail.
Your bank account must be in your own name. Deposits from a third party's account will be rejected or returned, and may trigger a compliance review.
Bridge's own cut-off times, banking day delays and limits apply. Payments are not instant.
Under the Travel Rule (FIC Directive 9), information identifying you accompanies these movements.
We are not responsible for Bridge's acts, omissions, delays, decisions or solvency. We do not hold your funds at any point in a bank deposit or withdrawal.
We may change, add or remove partners. Where a change materially affects you, we will give you 30 days' notice and a way to withdraw your funds first.

Complaints about a deposit or withdrawal should go to Bridge. Complaints about the Zap app should come to us. See clause 25.

16. The app itself

We grant you a limited, personal, revocable, non-exclusive, non-transferable and non-sublicensable licence to use the Zap app on Apple devices you own or control, for your own personal and non-commercial use, for as long as you comply with these Terms.

Everything in the app is ours or our licensors': the software, the name Zap, the logo, the ZapTag concept, the designs, the text and the graphics. You get no rights in any of it beyond the licence above.

Anything you send us as feedback or a suggestion, we may use freely and without owing you anything.

17. Availability

We work hard to keep Zap running, but we do not promise that it will be available, uninterrupted, timely, secure or error free. We may suspend the service for maintenance, upgrades, security, or because a third party we depend on has failed. Where we can give notice, we will.

Nothing in this clause limits your rights to a service performed with reasonable care and skill under sections 54 to 56 of the Consumer Protection Act.

18. Communications and notices

How we contact you. By in-app message, push notification, email to your registered address, or SMS. A notice is deemed received when we send it, unless we are told it did not deliver. Keep your contact details current: if you do not, you may miss something important.

How you contact us. support@zapzar.co.za for support, ari@zapzar.co.za for legal notices, or by post to the address in clause 1.

You consent to receiving all statements, disclosures and notices electronically under sections 12 and 13 of the Electronic Communications and Transactions Act.

19. Changes to these Terms

We may change these Terms. Where a change is material, we will give you at least 30 days' notice by email and in the app before it takes effect. If you do not accept the change, you may close your account and withdraw your assets before it takes effect, at no cost. Continuing to use Zap after the notice period means you accept the change.

Shorter or immediate notice applies only where a change is required by law, by a regulator's direction, or to address a security threat. We will tell you as soon as we can.

20. Inactive accounts

If you do not log in or transact for 12 consecutive months, we may mark your account inactive. We will try to contact you at your registered email and phone number before doing so. An inactive account keeps its assets: we do not confiscate, forfeit or convert them. You reactivate by logging in and, if necessary, re-verifying. We may charge a reasonable dormancy fee, which will be in the Fee Schedule and notified to you in advance, and we will never let a dormancy fee reduce your balance below zero.

21. Your promises to us

You warrant that: the information you give us is true; you are using Zap for yourself; the funds you use are lawfully yours; you are not on any sanctions list; you will comply with all laws that apply to you, including exchange control and tax; and you have read and understood clause 4.

22. Indemnity

You indemnify us, our directors, employees and agents against any claim, loss, liability, damage, cost or expense (including reasonable legal costs) arising from your breach of these Terms, your unlawful or fraudulent use of Zap, your infringement of anyone's rights, your tax liabilities, or a third party claim caused by something you did.

This indemnity does not apply to any loss caused by our own gross negligence, wilful misconduct or fraud.

23. Warranties

The Zap app is provided "as is" and "as available". To the fullest extent the law allows, we exclude all implied warranties, conditions and representations.

We do not exclude, and nothing in these Terms limits: your rights under sections 54 to 56 of the Consumer Protection Act; liability for death or personal injury caused by our negligence; liability for our own fraud, gross negligence or wilful misconduct; or any liability that cannot lawfully be excluded, including under section 43(6) of the Electronic Communications and Transactions Act.

24. Limitation of liability

To the fullest extent permitted by law:

we are not liable for indirect, incidental, special, punitive or consequential loss, or for loss of profit, revenue, opportunity, data or goodwill, however it arises;
we are not liable for loss caused by: the irreversibility of a blockchain transaction; you paying the wrong person; you losing your keys or recovery method; a stablecoin losing its peg or being frozen by its issuer; a blockchain network failing, halting or forking; the failure, insolvency or withdrawal of any third party including Privy, Bridge, a stablecoin issuer or a bank; or your own breach of these Terms;
our total liability to you for all claims in any 12 month period is limited to the greater of R5,000 or the total fees you paid us in the 12 months before the claim arose.

These limits do not apply to death or personal injury caused by our negligence, to our fraud, gross negligence or wilful misconduct, or to any liability that cannot lawfully be limited under South African law, including under the Consumer Protection Act.

25. Complaints and disputes

Step 1: tell us. Email ari@zapzar.co.za with what happened, when, and what you want us to do. We will acknowledge within 5 business days and aim to resolve within 30 days. If we need longer, we will tell you why.

Step 2: if you are still unhappy.

For bank deposits and withdrawals, complain to Bridge under its own complaints process, since that is the service provider.
For consumer complaints about Zap, you may approach the National Consumer Commission (www.thencc.org.za, 012 428 7000) or a consumer court. Note that section 69 of the Consumer Protection Act requires you to exhaust the available dispute resolution routes before approaching a court.
For privacy complaints, the Information Regulator at POPIAComplaints@inforegulator.org.za. Details are in the Privacy Policy.

Nothing in this clause takes away your right to go to court.

26. General

Governing law. These Terms are governed by the laws of the Republic of South Africa.

Jurisdiction. You and we submit to the non-exclusive jurisdiction of the South African courts. In terms of section 45 of the Magistrates' Courts Act 32 of 1944, we may bring proceedings in a Magistrate's Court that has jurisdiction over you, even if the amount exceeds that court's normal limit. You may still choose a higher court.

Cession. We may cede our rights and delegate our obligations to a company in our group or to someone who acquires our business, provided your rights are not prejudiced. You may not cede or delegate anything without our written consent.

Force majeure. Neither of us is liable for a failure caused by something outside our reasonable control, including blockchain network failure, the failure of a third party provider, a bank outage, load shedding or grid failure, a cyber attack, a natural disaster, war, or an act of government or a regulator.

Severability. If a clause is found unenforceable, it is severed and the rest survives.

No waiver. If we do not enforce a right, or we grant you an indulgence, that does not waive the right.

Survival. Clauses 3, 4, 12, 22, 23, 24, 25 and 26 survive termination.

Whole agreement. These Terms, with the documents listed in clause 2, are the whole agreement between us about the Zap app, and replace anything said or written before. Nothing in this clause is an acknowledgement by you that no representation was made to you, or a waiver of a right you have under the Consumer Protection Act.

Language. These Terms are in English. Any translation is for convenience and the English version prevails.

Schedule A: Apple App Store Additional Terms

These terms apply because you obtained the Zap app from the Apple App Store. Apple requires them, and they apply in addition to everything above.

Acknowledgement. This agreement is concluded between you and ZA Payments (Pty) Ltd only, and not with Apple. Apple is not responsible for the Zap app or its content. This agreement may not be inconsistent with the Apple Media Services Terms and Conditions.
Scope of licence. Your licence to use the Zap app is limited, non-transferable, and permits use only on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, including that the app may be accessed by other accounts associated with you through Family Sharing or volume purchasing.
Maintenance and support. ZA Payments (Pty) Ltd is solely responsible for providing maintenance and support for the Zap app. Apple has no obligation whatsoever to furnish any maintenance and support services in respect of the app.
Warranty. ZA Payments (Pty) Ltd is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. If the Zap app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the app to you (if any). To the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever in respect of the app. Any other claims, losses, liabilities, damages, costs or expenses attributable to a failure to conform to any warranty are the sole responsibility of ZA Payments (Pty) Ltd.
Product claims. ZA Payments (Pty) Ltd, and not Apple, is responsible for addressing any claim by you or any third party relating to the Zap app or your possession or use of it, including but not limited to: (i) product liability claims; (ii) any claim that the app fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy or similar legislation.
Intellectual property rights. If a third party claims that the Zap app, or your possession or use of it, infringes that third party's intellectual property rights, ZA Payments (Pty) Ltd, and not Apple, is solely responsible for the investigation, defence, settlement and discharge of that claim.
Legal compliance. You represent and warrant that (i) you are not located in a country subject to a United States Government embargo, or that has been designated by the United States Government as a "terrorist supporting" country; and (ii) you are not listed on any United States Government list of prohibited or restricted parties.
Developer name and address. ZA Payments (Pty) Ltd, 194 Bancor Avenue, Park Lane West Building, Waterkloof Glen, Pretoria, 0181, South Africa. Direct any questions, complaints or claims about the Zap app to support@zapzar.co.za.
Third party terms. You must comply with any applicable third party terms of agreement when using the Zap app, including your wireless data service agreement.
Third party beneficiary. You acknowledge and agree that Apple and Apple's subsidiaries are third party beneficiaries of this agreement, and that on your acceptance of it, Apple will have the right (and will be deemed to have accepted the right) to enforce this agreement against you as a third party beneficiary.

The sanctions warranty in item 7 is required by Apple and is specific to United States law. It is in addition to, and does not replace, your obligations under clause 5 and clause 12 of these Terms in respect of South African sanctions law.

ZA Payments (Pty) Ltd, registration number 2025/911807/07. 194 Bancor Avenue, Park Lane West Building, Waterkloof Glen, Pretoria, 0181, South Africa.