Terms and Conditions

The legal terms outlined in this agreement are between you as the user of the Detour App and Digital Wallet and Detour, herein referred to as the Service. By accepting these terms and conditions you agree to such terms and conditions by registering on the Website or downloading the App from the appropriate Android or Apple store and registering on the App, completing the on-boarding process and utilising the cashless Taxi payment service. If you do not agree to the terms and conditions outlined in this agreement you will not be able to completed the registration and on-boarding process to activate and utilise the Detour wallet payment service.

Only persons aged 18 years and older and who are deemed competent to enter into a legally binding agreement are allowed to register for this service. If you are a scholar and under the age of 18 years old your parent or legal guardian can register and operate the service to enable you to access the transport service. By accessing the Detour service you are agreeing to be bound by the terms and conditions of this service. You may be required to create a "wallet" or "account" to use certain features of the service.

You agree not to disclose your confidential access credentials or secure PIN or voucher information to any third-party. You are responsible to maintain the confidentiality of your log-in and account information. Neither Detour, nor its payment processor nor the "bank" shall be liable for losses incurred as a result of you, the user, disclosing your confidential account information or Access PIN or voucher PINs to a third-party.

As a user of the service it is your responsibility to maintain the confidentiality of your account information including your user name and password that you create when accessing the service and using the features of the service. You agree to notify us immediately if you are made aware of a security breach that deems your wallet or account to be compromised. Such security breaches could include:

1. You lose your mobile phone.
2. You share your user name and password or PIN;
3. You share transaction information such as voucher code and PIN;
4. You share your wallet information with a third-party
5. You are aware that your identity has been compromised, i.e. identity theft.
6. You aware that a scammer has compromised your wallet account

The Service is for your personal use, including to receive Detour Capital via the Detour wallet which is available in the Detour App.

Detour shall store and keep your personal information secure. We shall store only your personal information required to accurately identify you as a user for the purposes or ID verification in order to comply with the requirements of the Financial Intelligence Centre Act (FICA) and Know Your Customer (KYC). Typically we shall store your first name, surname, ID Number or passport number or asylum seeker number, your contact information including mobile number and IP Address and e-mail address, your geographic information using GPS functionality any facial recognition scanning and/or biometric scanning required for security or verification purposes, your transactional history and any other related financial information required to execute a transaction.

By accessing this service you agree that Detour may verify your personal details by checking your identity with the South African Department of Home Affairs or a third-party data bureau, to confirm that the information you gave us is valid and verifiable. You also agree that Detour may, where required, check against Anti-Money Laundering (AML) and Terrorist Financing (TF) databases. In the event that your personal information is flagged as you being a high risk individual we shall have the right to prevent you accessing the service and to terminate your access to the service.

We shall only keep your information that is required for us to render the service and we shall not share your information with any third party without your consent. In the event that you notify us in writing to delete your personal information from the Detour App we shall endeavour to do so within a reasonable time period provided the regulatory framework makes provision for such.

You have the right to request the deletion of your personal information. However, due to legal, regulatory, and financial compliance obligations, certain data related to your transaction history cannot be deleted. This includes transaction records, payment details, and other relevant financial data. You can still request the deletion of non-essential data such as profile information, contact details, and any preferences that are not required for legal or financial purposes. If you would like to proceed with a data deletion request, please contact our support team. You can do this via the Detour Drive app.

You agree to give us the information or documentation we ask for under anti-money laundering, anti-bribery and corruption, and counter-terrorist financing law, so that we can provide the Service. You consent to us disclosing your information to a regulator or to any third party legally entitled to receive it under FICA and Anti-Money Laundering (AML) or Terrorist Financing (TF) legislation.

By using the App you agree that we shall not be held liable for any loss that occurs or arises as a failure to comply with the policies and rules of the IOS App Store or Google Pay Store.

You shall not use the App and/or it functions and services to commit any of the following acts:

1. Any act which undermines Detour, its service providers or its merchants;
2. Your use of a bank account which does not belong to you to receive Detour Capital in the event that you wish the Third-Party Payment Processor to pay it into your personal bank account.
3. An act that Detour, a banking or payments regulator, a merchant or a payment service provider believes to be illegal, abusive or unlawful, or in breach of card programme or payment network rules;
4. Any act by yourself as a user which is deemed to be in contravention with the rules of the online store where you downloaded your Detour App. The App store rules will apply rather than these terms and conditions if there is a difference between such rules and policies. We will not be held liable for any losses that occurs or arise as a failure to comply with the rules and policies of the App Store from which you download the Detour App.

You agree that the terms and conditions of this agreement shall apply to all updates and future version releases of the Detour app which will be released at our discretion from time to time. You agree that the terms of this Agreement shall apply to all updates, upgrades or new releases provided to You whenever and wherever applicable. It is your responsibility to ensure that your mobile device connects to the appropriate App Store provider in order to utilise the latest version available.

Detour is not liable for security vulnerabilities resulting from you not installing the latest release, upgrade or update once it is available in the app store.

Transactions that you perform will incur a processing fee. Such fees will be displayed within your Detour App. These fees may include bank fees, transaction fees, cash-out voucher fees, transfer fees etc. By agreeing to the terms of this agreement you acknowledge that such fees may be deducted from your wallet balance and revised from time to time.

Once you have asked for Detour Capital and Pronto Loans has approved it, it will be deposited into your Detour wallet. These funds will then be available for withdrawal.

Your wallet balance can be used to purchase a variety of on-line products which are available on the Detour App. When making a purchase you will be prompted to insert your mobile number or the mobile number you wish to send airtime, data or value-added services to. It is your responsibility to use the correct mobile number for the recipient. We will not be liable for any loss or non-delivery of airtime, data, prepaid electricity or product PINS should an incorrect number be used.

Your wallet balance can be used to purchase goods and services from a merchant that is a participating merchant in the Detour network.

You can. Use the following cash-out methods when performing a cash-out from your wallet:

1. You can cash-out from your wallet to your own bank account that is registered as a beneficiary on your profile. It is your responsibility to ensure that the correct bank account details are stored for a beneficiary. We shall not be liable for making payments into a bank account when the beneficiary details are deemed to be incorrect.
2. You can redeem a cash-out voucher at a participating ATM, or at a retail partner's money-market counter or kiosk. An ATM can only dispense notes it is holding at the time, so you may be able to cash out part of the value rather than all of it, and cash-outs are typically in increments of R20.00. A fee may apply to an ATM or retail cash-out; any fee is shown in the Detour app on your transaction history. If an ATM goes offline while a cash-out is being processed, Detour will return the value to your wallet so you can cash out somewhere else.
3. The cash-out retail partners are:

• PicknPay
• Shoprite
• Checkers
• Checkers Hyper
• Boxer
• PEP
• USave
• Kazang participating outlets

The retail partners may vary from time to time.

In the event that an incorrect mobile number is used when making a cash-out transaction and the cash-out voucher and PIN is sent to an incorrect number inserted by the user then we shall not be held liable for any losses resulting from this action.

You may elect to opt in to services provided from time to time via the Detour App. You may elect to opt-out of services at any time by selecting the Opt-Out prompts within the App.

You can contact us for any queries, complaints, or reporting suspicious or fraudulent transactions on your wallet as follows:

Website

https://detour.africa

WhatsApp

+27 67 424 8163

Help-line

+27 67 424 8163

You can refer a complaint to our Help-line above.

Information collected by the Detour website and the Detour app or wallet is used internally by Detour and by the service providers, drivers and merchants within the Detour ecosystem who need it.

We will use your information to send you confirmation of your purchase(s) and any payments made to merchants when using your digital wallet to pay for goods and services within the Detour ecosystem.

Detour shall not rent, sell or otherwise disclose your personal information to any third party without your consent.

You may receive invitations to buy goods and services or other related products, but you may unsubscribe from these invitations at any time. Detour may from time to time send wallet subscribers a variety of SMS or WhatsApp messages which include transaction information, wallet balance information and sales receipts. Should the recipient block these messages then Detour shall not be liable to re-send these messages. The messages are not marketing material but may be notifications, authentications or information messages that relate to the payments in question.

By visiting our website or Mobile App and/or registering as one of our subscribers, you consent to us collecting, storing, using and (if applicable) transferring your personal information in accordance with this privacy promise.

If we decide to change our privacy promise, we will post those changes to our website.

In order to provide the best level of service, we will collect information using the following methods:

• Upon sign up, information is stored depending on the answers you provide.
• Information that you submit when you use the digital wallet to purchase, transfer or cash-out is also stored.
• User preferences are stored as and when you complete them.
• Information about your usage of the Site is collected.
• Information about your mobile device may be collected.

We may use your information in the following ways

• To ensure the content from our Site is presented in the most effective manner.
• To provide optimum customer service to you.
• To notify you of changes every now and again.
• To enable Detour to provide appropriate products and services to you.
• For internal marketing and demographic studies in order to improve our service.
• For marketing communications from us. You can opt out of this by contacting Detour or clicking the unsubscribe at the bottom of any email newsletter that may be sent to your mobile phone number or e-mail address provided to us.

The website or Mobile App may contain links to websites operated by third parties, namely our Suppliers. Detour accepts no liability or responsibility for those websites.

All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you a password (or you have chosen one), you are responsible for keeping this password confidential. Appropriate security measures are adopted to protect your information from access by unauthorised persons. We strive to do our best to protect your personal data.

We may disclose your personal information in the following circumstances:

• To our Suppliers in order to secure a product or service where disclosure is necessary to enable us to process your order and/or provide you with a service.
• Where required to do so by law or court order.
• Upon the sale of the business
• To any person to whom disclosure is necessary to enable us to enforce our rights under this privacy promise or under our Terms and Conditions.

Other that as expressly set out in this privacy promise or as otherwise required or permitted by law, we will not share, sell or distribute any of the information you provided us without your consent.

You may at any time request access to your personal data by contacting Detour. We reserve the right to ask you for proof of your identity and to charge you an administration fee.

You understand and agree that the use of the Detour Digital Wallet and associated Services is at your own risk. We as a collective do not make any representation or guarantee that the use of the App and Services will yield the results intended by you. We make no warranty that the service will be uninterrupted, timely or secure and/or error free. No advice or information obtained from Detour, its employees, consultants, representatives and partners, whether oral or written shall be construed as a warranty.

You agree to indemnify and hold harmless Detour, its officers, directors, employees, suppliers and affiliates, from and against any loss and costs arising out of or relating to any claims that you have used the Services in violation of another party's rights, in violation of any law, in violation of any provisions of this Agreement, or any other claim related to your use of the website or Mobile App.

We reserve the right to modify and adjust the terms and conditions of this Agreement. We will strive to notify you of these changes prior to the effective date of the new terms. Should any provision in the terms and conditions become obsolete, the validity of the remaining provisions will not be affected.

The relationship between the parties is governed in South Africa, any dispute or lawsuit arising out of or in connection with this Agreement will be exclusively dealt with by the laws governing South Africa.

WhatsApp

+27 67 424 8163

Tel

+27 67 424 8163