Terms and Conditions

Virtiply Terms and Conditions – 2026

This agreement applies to you if you choose to use any of the products or services we supply to you. When using any product or services you accept this terms and conditions and the Virtiply SA Guadian Association Constitution as an active member.

By accepting the Terms and Conditions and the Constitution, a legal agreement is formed between you, the member and SA Guardian Association, a Non-profit organization with the address at Second Floor, S8, Corner de Beers Avenue and Broadway Boulevard, R44, Somerset West, 7130. (Herin after referred to as “Virtiply”). The SA Guardian Association Constitution is available on request to be e-mailed to you.

Virtiply SA Guardian Association has Mandated Outsourced Agreements in place with subject matter expert business entities to managed benefits and services on behalf of the Association. These business entities have a Mandate and Power of Attorney to act on behalf of the Association and the Association Members and include but are not limited to the following entities:

Virtiply (Pty) Limited, with the registration number 2012/180258/07 at Second Floor, S8, Corner de Beers Avenue and Broadway Boulevard, R44, Somerset West, 7130 as the Membership, systems, services and benefit Management Company. Virtiply is a Juristic Representative under FSP46444,
Herminix (Pty) Ltd registration number 2012/191099/07 as one of the product Administrator and supplier.
Your Broker House (Pty) Ltd, FSP 46444, is our registered Financial Services Supplier for all our insurance-related benefits. Contact Your Broker House (Pty) Ltd for any advice on any insurance related business.

This Association Membership is falling under the Consumer Protection Act (CPA), as a non-insurance non-profit Association.

Eligibility

Only members who was invited to participate may apply for membership of the Association.
Persons over the age of 18 years of age who have applied for membership and who have paid the prescribed membership fee as outlined in the membership application, with exception of the Basic Membership level, and who have completed the membership application, either on paper, online, per call centre voice recording in complete detail, or where the member signed online, are eligible.
Notwithstanding the afore mentioned, the Company retains the right to investigate and to verify that the eligibility requirements have been met, and the Company may, at its sole discretion, refuse an application or terminate the coverage and/or membership of a member and his/her Dependents who are not eligible for benefits.
If, upon evaluating a membership application, the Company discovers that the eligibility requirements have not been met, its only obligation shall be to refund the afore mentioned membership fees, after costs already incurred by the Company and its Service Suppliers have been deducted.

Effective date

The “Effective Date” is the date on which the Company approved and accepted a person’s application for membership. Membership subscriptions are based on full calendar months and paid in advance. Some Membership products include a waiting period. If a member joins and pays before the 16th of a month, Membership and the waiting period is activated on the first day of that same month. Benefits will be available from the 1st day of the following month. In the case where the Member joins and pays after the 16th day of the month, the Membership and waiting period will start on the 1st day of the following month. In this case the benefits will start after the expiry of the waiting period.
In the event where a membership fee, where applicable, for a specific month was not paid or deducted, then the Company will have the right to, without notice, change the inception or start date or may request a double deduction the following month or suspend Membership until membership fees are paid up to date or may terminated the Membership. The onus is on the Member to make sure that Membership fees where applicable, are paid monthly as Members will have no benefits while suspended.

Expiration Date

The membership period shall terminate on the earliest of the following dates:
- In the event where a member’s membership fee, where applicable, is not paid, the last day of the month for which the last prescribed membership fee applicable, was received; or
- In the event when two month’s membership fees were not paid, the membership will be terminated without any further notice.
- The date on which a member’s membership is terminated for cause by the Company; or
- For dependent children (if added), the date on which the dependent child reaches the age of 21 years of age, upon which date the dependent child will automatically become an extended adult member and the membership fee will automatically increase with the membership fee as an extended adult member, if not specifically cancelled by the Main Member, one calendar month before the child’s birth date; or
- The date on which the member has informed the Company that the Member has cancelled its Membership, by giving one calendar month written notice and must be sent to support@virtiplysa.co.za

Limits of Liability

Any claim for any pre-paid and/or discount benefits, services, benefits or rewards that is not submitted to the Company or the Service Provider within 90 days after the benefit became due, shall be denied.
No benefits, other than a benefit due to a Member under the programme, shall be construed or deemed to be a benefit to which a Member or his/her dependent(s) are entitled, if dependents were added.
Membership fees received will be regarded as a membership contribution for a full calendar month.
Where any benefits or any type of airtime or data was given to a member will the member be liable for the full amount and no refunds for a specific month will be given.
Special Note: 3^rd Party Suppliers of benefits and services may have their own Terms & Conditions, exclusions and waiting periods.

Exclusions

Any exclusions imposed by 3^rd Party Service Providers, as per the specific rule and terms of each benefit as specified in the Service Supplier’s documentation, which is included in this agreement.
In any event where fraud or misrepresentation was involved by the member or any dependents.

Communication

The Company’s communication method of choice includes all accepted electronic communication which includes, but is not limited to SMS, MMS, USSD and email.
It is the member’s responsibility to inform the Administrator if any communication must be distributed in hard copy via normal postal services.
By applying for the Membership, the member authorises the Company to communicate with the member in any way acceptable, information regarding other benefits and offers for the possible benefit of the member. The members must inform the Company if the member rejects communication with regard to new and other benefits.
All communication, personal data and information will be kept Confidential.

POPIA

As Association and Company, we support the Protection of Personal Information Act (POPIA), Act 4 of 2013.
Your privacy is of utmost importance to us. We will take the necessary measures to ensure that all information, provided by you for the purpose of this application, is processed in accordance with the provisions of the Protection of Personal Information Act 4 of 2013 and further, is stored in a safe and secure manner.
You hereby agree to give honest, accurate and up-to-date Personal Information for us to continue supporting you in accordance with the Constitution.
You accept that your Personal Information collected by us may be used for the following purposes:
- to establish and verify your identity in terms of the Applicable Laws;
- to use the general non-personal information in negotiations for better benefits and for research purposes.
- unless consent to by yourself, we will not sell, exchange, transfer, rent or otherwise make available your Personal Information (such as your name, address, email address, telephone or fax number) to any other party and you indemnify us from any claims resulting from disclosures made with your consent.
You understand that if the Administrator/Insurer has utilise your Personal Information contrary to the Applicable Laws, you have the right to lodge a complaint with the Company or with the Information Regulator.
You accept the Association and Company POPIA Act Declaration.

Virtiply SA (Pty) Ltd

Virtiply SA (Pty) Ltd registration number 2012/180258/07 at Second Floor, S8, Corner de Beers Avenue and Broadway Boulevard, R44, Somerset West, 7130, is the Outsourced Management Company and provider of services and benefits for the Association, with full Power of Attorney and Mandated to Act on behalf of the Association and the Association Members. Virtiply SA (Pty) Ltd is a Juristic Representative under Your Broker House (Pty) Ltd FSP46444.

All Association members automatically qualify for the Virtiply SA (Pty) Ltd Services and Benefits which include among other benefits such as the Virtiply SA E-Wallet

Membership

Members receive automatically access to various services and benefits which include the following services, to name a few:

VirtiCash e-wallet platform. The community e-wallet platform Is a tokenised system where each token is valued against one South African Rand.
Virtiply community platform host various different community platforms, each with its own terms and conditions, monthly membership fees, rewards and structure.
Members use the wallet to pay their monthly membership fees.
Members may pay participating Merchants directly from their e-wallet.
Members may pay other members.
Members may purchase other products and services offered by Virtiply and their partners.
The VirtiCash e-wallet platform is a blockchain on its own.
The Virtiply community e-wallet platform offers a safe and secure pathway for members to other blockchains such as VertiGold and VertiSilver.
Each blockchain has its own terms & conditions.
Each Member accepts full responsibility for using his own ewallet with his own password, known only to the member.
Virtiply undertake to buy back any tokens and to pay the proceeds of the sale through an Electronic Fund Transfer via First national Bank into your nominated bank account.
By applying for membership, I the member, gives consent to Virtiply carrying out identity and fraud prevention checks and sharing information relating to this application with the South African Police Service (SAPS) and/or Fraud Prevention Service (SAFPS). Should my conduct of my wallet at any time in the future reasonably cause Virtiply to suspect that my wallets are being used for improper purposes, I consent to Virtiply providing details of this suspicion to the SAPS and/or SAFPS. I understand and agree that the record of this suspected fraud will then be available to other members of the SAPS and or/SAFPS if they carry out credit/other checks on my name.
By applying for membership, I, the member, gives consent to Virtiply checking my credit record with any credit reference agency. I give consent to you providing credit reference agencies with regular updates about the conduct of my wallets, including the failure to meet the agreed terms and conditions. I also agree that the credit reference agencies may, in turn, make my record and details available to other credit grantors.
You are responsible to ensure that you have the necessary equipment and software to use the service channels. Any information provided to Virtiply during registration is confidential and private. Virtiply will not disclose this information to anyone unless:
1. Virtiply is legally compelled to do so
2. It is in the public interest to do so
3. The disclosure is made, at your request, with your written consent.
4. Authorising another to act on your behalf as your agent:
5. By allowing an authorised user to access your wallet using the service channel, you provide that person with the authority to act as your agent. Any act or omission by the user will be considered as your act or omission.
You must enter the correct access information to identify yourself whenever you use or logon to the service channels. Virtiply is obliged to act on and accept all instructions by you, the member, after your access codes have been entered or applied. The following access information is of specific importance:
1. Your physical address, as provided on your application, or as changed by notification to Virtiply in writing, will be used for all legal notices.
2. Your phone, email, fax or postal address on Virtiply’s records will be used for any other correspondence.
3. Notices provided from Virtiply will be regarded as having been received by you:
4. Within seven days after posting, on the date of delivery if sent by hand
5. At the time of transmission if sent by fax
6. At the time of receipt if sent electronically
Security of your access information, cards and equipment:
1. You are responsible for the safekeeping and proper use of your card, PIN and username and password. Never give or show anyone your access information, including any person who is an employee of Virtiply, or claiming to work for or represent Virtiply in any way. Never respond to requests to enter or “confirm” your access codes sent to you via email, SMS or instant messaging. If you respond to any of the situations mentioned above and lose money as result of doing so, Virtiply is not responsible and will not be able to refund you. You indemnify Virtiply against any damages, loss or liability that Virtiply might suffer as a result of any unauthorised access and/or use of your card.
Cancellation of Access codes:
1. If you suspect or know that your access code(s) have been lost, stolen or used without your authorisation, you must notify Virtiply immediately and request a cancellation. If your cellphone is lost or stolen, you must immediately notify Virtiply and request us to delink your cellphone from your online profile. Delay in notifying Virtiply may be considered as negligence on your part and you will be responsible for all transactions prior to the wallet being stopped. After cancellation, Virtiply will reject all transactions done from the date on which your access code(s) were cancelled. Virtiply reserves the right to block your access to the service channels at any time to maintain or restore security, if we reasonably believe that your access code(s) have been or may be obtained or are being used or may be used by an unauthorised person(s).
Cancellation of Access Codes of Authorised Users:
1. You must notify Virtiply in writing if an authorised user’s access rights must be changed or cancelled. When an authorised user is no longer allowed to transact on your wallet, you or Virtiply has the right to demand that they return any physical devices given to them to transact, including their Card. When you, as the wallet holder, take back the authorised user’s physical access device, you must notify us in writing or via the helpline that the authorised user’s access rights must be cancelled, and that the card or device must be destroyed or returned to Virtiply.
Monitoring your use of the Service Channels and your conversations with Virtiply:
1. All conversations between you and Virtiply during calls to our Customer Care Call Center are recorded. Virtiply may monitor and record communications or traffic on the service channels to:
2. Maintain the proper functioning and safety of Virtiply’s systems
3. Investigate or detect any unauthorised use of the service channels or systems
4. When the law requires Virtiply to do so.
Transaction Fees:
1. All fees for using Virtiply’s services will be deducted from your Virtiply wallet. These fees will be deducted immediately after confirmation of the completion of the transaction. Virtiply cannot act on or process your transaction instructions unless you have enough money in your wallet to cover both the transaction value and the transaction fee. The fees which Virtiply will be entitled to are in published transaction fee schedule. Please note that Virtiply is entitled to change the fee structure with at least one month’s notice.
Wallet Transactions:
1. You are responsible for providing Virtiply with correct and complete information and instructions when you transact. Virtiply does not verify the identity or bank account details of the person or entity you are paying. Nor do we compare the account number against the details of the person or entity you are paying. Virtiply will not be responsible to the person, or entity you are paying, for any loss or damage you may suffer as a result of your providing incorrect or incomplete information. Virtiply is not responsible if you do not complete an instruction or if you do not follow Virtiply’s instructions when transacting.
2. Certain transactions cannot be reversed or stopped once you send them to Virtiply.
3. Transaction limits apply to transactions done on the service channels. Virtiply will not be able to carry out any instruction from you if you have exceeded your transaction limit or if a transaction will result in you exceeding your transaction limits. If you need to exceed any limits, you need to arrange with Virtiply beforehand.
4. Certain information, including your wallet balance information, may be delayed.
5. If you are unsure if a transaction has been sent or received or processed, you must contact Virtiply. Do not submit an instruction again as this can result in duplicating transactions for which you will be responsible for and for which Virtiply will not be liable.
Service Channels:
1. Service channels may not be available from time to time. During unavailability, you must make use of our other channels. Virtiply may stop providing the service channels or any other services provided on the service channels at any time. However, Virtiply will notify you of this within a reasonable time.
Third Parties:
1. Virtiply is not responsible for links to third party sites, its contents or for the third party’s actions or omissions, or its goods or services. Virtiply does not endorse or recommend the third party or its products or services, nor does it have any control over third parties or their products or services.
2. Virtiply is not responsible to you for any loss or damage you suffer, whether indirectly or directly, because of a third party or its products or services or your use of the products or services.
3. Virtiply is not responsible for third party software. If at any time, your internet provider, cell phone provider or electricity supplier is unavailable, Virtiply will not be held liable for any damages or loss incurred as a result of the unavailability.
Virtiply Liability:
1. Virtiply will not be liable for any kind of loss or damage you may suffer, including indirect, direct, special, incidental or consequential damages, because of your use of, or inability to use, the services. Virtiply is also not liable for the following:
2. Any loss or damage, which you or any other party, may suffer due to unauthorized interception and/or monitoring.
3. Any loss or damage if you did not take reasonable steps to safeguard the wallet, the access codes and/or follow the steps recommended by Virtiply.
4. Late or delayed transactions
5. Loss or damages arising from unauthorized use of the service channel, including where a user exceed their authority
6. Any errors or delays in communication systems outside of its control.
Intellectual Property Rights:
1. Virtiply owns the intellectual property rights in the service channel and its contents, including all registered and unregistered trademarks, copyright and patents. You may not copy, reproduce, display, reverse engineer or use Virtiply’s intellectual property in any manner whatsoever without our written consent. Nothing on the service channels must be seen as granting any license or right of use of any intellectual property unless permission was granted by Virtiply. You may not establish any connection, including via a hyperlink, frame mega tag or similar reference, whether electronically or otherwise to any part of the service channel or Virtiply’s website without written consent. Virtiply also owns the software underlying the service channels.
Ending the agreement:
1. Virtiply may end the agreement at any time or end your right to use the service channels after giving you reasonable notice. Virtiply may also terminate the agreement if any of the following occur:
2. You commit fraud or Virtiply suspects you have done so
3. Virtiply believes that your behavior was inappropriate or constitutes misconduct
4. If you breach this agreement
5. If you no longer have access to the equipment or services necessary to use the service channels. e.g. Your cell phone provider removes your registered cellphone number from its network or ends your contract
6. If your wallet is closed
7. If the law requires us to do so
8. If you don’t use the service channels for a period of three months or more.
9. I accept if I do not transact on my transactional wallet for 45 consecutive days, my wallet will be regarded as semi-dormant. If I do not transact on my wallet for a further 45 consecutive days my wallet will be deemed dormant, irrespective of my wallet balance
10. Virtiply will try to contact me to notify me of the dormant status of my wallet
11. If despite notification, I fail to transact on my wallet for a further 28 days and the balance in my wallet is equal to or below the minimum monthly service fee or fixed monthly fee, the outstanding fee will be recovered partially and the wallet closed
12. If my wallet has a debit balance and there has been no credit turnover (no deposit) for 36 days and over my wallet will be considered dormant. I will be contacted and requested to activate the wallet. If no response is received further action will be taken. While my wallet is dormant Virtiply may continue to charge its monthly and transactional fees where applicable
13. You may end this agreement by notifying us in writing or by phoning our call centre. If the agreement is ended, you will still be responsible to Virtiply for all the transactions, instructions and fees. Note: Ending this agreement does not mean scheduled top ups or recurring services will also be cancelled.
Waiver:
1. If, for any reason or purpose, Virtiply does not immediately enforce or implement any of the rights in terms of this agreement, it does not mean that Virtiply has abandoned or waived these rights. You must not assume that the agreement has been changed or that it no longer applies to you. Virtiply can still insist on strict application of any or all of its rights at a later stage.
General Terms and Conditions:
1. Virtiply reserves the right to decline your application
2. You may not vary any of the terms and conditions
3. Virtiply has the right to request any further information or documents that it may legally require.
4. You will pay for any service provider that you require to support your cellphone and computer.
5. Nothing on the service is an offer, financial or professional advice to you
6. If one or more of the clauses is invalid it will not render the rest of the agreement or rules invalid.
7. Where dates and times need to be calculated, the international standard time (GMT) plus 2 (two) hours will be used.
Other laws:
1. ECT Act: if you are a consumer, you have certain rights under South Africa’s e-commerce legislation Chapter VII of the Electronic and Transactions Act 25 of 2002. These rights are available at: www.acts.co.za
2. This agreement will be governed by the laws of the Republic of South Africa without giving effect to conflict of law provisions.
Please note:
1. We are obliged to suspend the transactional capability of your wallet unless we are in the receipt of proof of residency should you exceed either of the following:
2. A cash transaction of more than R49,999.00 in a calendar month period
In order to avoid suspension of your wallet, please forward proof of residential address to Virtiply at your earliest convenience in the form of one of the following:
1. Utility Bill (not older than 3 months)
2. Municipal rates and taxes invoice (not older than 3 months)
3. Telkom account (not older than 3 months)
4. Valid television license
5. Multichoice account (not older than 3 months)
6. Another bank’s bank statement (not older than 3 months)
7. Recent short-term insurance document
8. Two recent retail accounts
9. Mortgage statement (not older than 6 months)
10. Recent SARS tax return/IRP 5 form
11. Recent motor vehicle license
12. Recent correspondence from a body corporate or share block association
13. A payslip or salary advice from your employer (less than 3 months old)
14. An affidavit by another person residing with you attaching one of the above as proof of address for person giving affidavit

Fluid Edge Themes