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Terms of Use

give with mili (Pty) Ltd

Version 1.1 · Last updated June 2026

1 Introduction and Acceptance

These Terms and Conditions ("Terms") govern your access to and use of the give with mili platform ("mili", "we", "us", or "our"), operated by give with mili (Pty) Ltd, a private company incorporated in the Republic of South Africa (Registration Number: 2025 / 336690 / 07).

By accessing, browsing, or using the Platform in any manner - including scanning any mili-generated QR code - you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must immediately cease use of the Platform.

2 Eligibility and Legal Capacity

By accessing or using the Platform, you confirm that you have the legal capacity to enter into a binding agreement under South African law.

The Platform is intended for use by persons who are 18 years of age or older. If you are under 18, you may use the Platform only with the involvement and consent of a parent or legal guardian, who agrees to these Terms on your behalf and accepts responsibility for your use of the Platform.

mili may suspend, restrict, or decline access where it reasonably believes that a user does not meet these requirements.

3 Definitions

For purposes of these Terms:

  • "Platform" means the mili website, web-based interfaces, QR code functionality, and related digital services.
  • "User" means any person who accesses, browses, or uses the Platform, whether as a Giver, a Recipient, or otherwise.
  • "Giver" means any person or entity that makes a voluntary payment via the Platform.
  • "Recipient" means an individual or entity displayed on the Platform as eligible to receive voluntary payments.
  • "PSP" means Ozow (Pty) Ltd, a licensed third-party payment service provider engaged by mili to facilitate payment collection and disbursement on its behalf.

4 Nature of the Platform

mili is a technology-enabled digital giving platform designed to facilitate voluntary, cashless giving between Givers and Recipients.

mili acts solely as a facilitator of information and connection. mili does not participate in the financial clearing, settlement, or custody of any transaction.

4.1 Explicit Exclusions and Regulatory Status

mili is not a bank, mutual bank, or financial services provider as defined under South African law. mili facilitates payments exclusively through Ozow (Pty) Ltd, a licensed payment service provider, which manages fund collection, temporary holding, and disbursement on mili's behalf.

Specifically, mili does not:

  • operate an independent digital wallet or stored-value service;
  • directly receive, hold, or disburse funds outside of Ozow's infrastructure;
  • determine payment amounts or frequency;
  • employ, contract, or supervise Recipients;
  • act as an agent, trustee, or fiduciary for any party.

All payments are collected by Ozow into a designated float account and disbursed to Recipients via Ozow's Payout API. mili does not have direct access to or control over these funds beyond instructing Ozow to process disbursements.

5 Payment Processing and Financial Disclaimers

5.1 Third-Party Payment Processing

All payments are processed by Ozow (Pty) Ltd. When a Giver initiates a payment, they are redirected to a secure Ozow payment environment. Funds are collected by Ozow into a designated float account maintained on mili's behalf, and subsequently disbursed to the relevant Recipient's bank account or mobile wallet via Ozow's Payout API.

mili:

  • never has access to banking credentials, card details, or authentication data of Givers;
  • does not store or process Giver payment information;
  • instructs Ozow to process disbursements based on verified Recipient banking details held on the Platform.

5.2 PSP Terms and Fees

Use of any PSP is governed exclusively by that PSP's own terms, conditions, and privacy policies.

Givers acknowledge that:

  • transaction fees may be levied by the PSP or the Giver's financial institution;
  • mili does not control or set these fees;
  • discrepancies between the amount paid and the amount received due to third-party fees are not the responsibility of mili.

5.3 No Guarantees or Dispute Resolution

mili does not guarantee that payments will be successful, timely, reversible, or error-free.

Any payment disputes, reversals, chargebacks, or failures must be resolved directly with the relevant PSP. mili does not mediate or adjudicate payment disputes.

5.4 Refunds

Because giving through the Platform is voluntary and funds are disbursed to Recipients, contributions are generally non-refundable.

Where a payment fails, is duplicated, or is disputed, the matter must be raised directly with the relevant PSP, whose terms and processes govern any reversal or refund. As mili does not hold Giver funds, it cannot itself reverse, refund, or recall a completed payment.

6 QR Code Use and Security

Recipients may be provided with unique QR codes linked to their mili profiles.

While mili implements reasonable technical and administrative safeguards, Givers acknowledge that:

  • physical QR codes may be tampered with, replaced, or overlaid by unauthorized third parties;
  • fraudulent codes may imitate the mili interface.

mili is not liable for losses arising from such tampering or misuse. Givers are encouraged to verify the Recipient's name and details displayed by the PSP before confirming payment.

7 Voluntary Nature of Giving

All payments facilitated through the Platform are entirely voluntary.

mili:

  • does not solicit mandatory payments;
  • does not promise benefits, rewards, or outcomes;
  • does not guarantee any financial or personal benefit to Recipients.

Givers make payments at their own discretion and risk.

8 Tax and Legal Responsibilities

Payments made via the Platform are voluntary donations or gifts.

  • Givers are solely responsible for understanding any tax implications of their giving, including potential Donations Tax under the Income Tax Act.
  • Recipients are solely responsible for declaring any income received to the South African Revenue Service (SARS).
  • mili does not provide tax advice and does not issue Section 18A certificates unless explicitly stated for a specific, registered public benefit organization profile.

9 Recipient Profiles and Information

Recipient profiles are provided for informational purposes only.

mili:

  • does not guarantee the accuracy, completeness, or veracity of Recipient information;
  • does not assess or verify a Recipient's financial need;
  • does not conduct criminal, financial, or background checks unless explicitly stated.

The Platform is provided on an "as is" and "as available" basis.

10 No Employment, Agency, or Partnership

Nothing in these Terms creates or implies:

  • an employment relationship;
  • an agency relationship;
  • a partnership, joint venture, or fiduciary relationship

between mili and any Giver or Recipient.

Recipients act independently and do not represent or speak on behalf of give with mili (Pty) Ltd.

11 Future Features and Platform Evolution

The Platform may display features marked as "coming soon", "preview", or "under development".

Such features:

  • are non-functional representations only;
  • do not constitute onboarding, approval, or verification;
  • may be modified, suspended, or removed at any time without notice.

12 Acceptable Use

Users agree not to:

  • misrepresent identity or intent;
  • use the Platform for unlawful, deceptive, or exploitative purposes;
  • interfere with Platform security or functionality;
  • misuse or harvest personal information of others.

mili reserves the right to suspend or terminate access for violations of these Terms.

13 Intellectual Property

All content, trademarks, software, databases, text, graphics, and design elements on the Platform are the property of or licensed to mili and are protected by South African and international intellectual property laws.

No rights are transferred by use of the Platform.

14 Limitation of Liability

To the maximum extent permitted by the Consumer Protection Act and applicable law, mili, its directors, officers, and employees shall not be liable for any direct, indirect, incidental, or consequential damages arising from:

  • use of or inability to use the Platform;
  • conduct of any Giver or Recipient;
  • PSP failures, downtime, or errors;
  • data breaches occurring outside mili's direct control.

15 Indemnity

You agree to indemnify and hold mili harmless from any claims, losses, damages, or expenses arising from your breach of these Terms or misuse of the Platform.

16 Privacy and Data Protection

mili processes personal information in accordance with the Protection of Personal Information Act, 2013 (POPIA).

Details on data collection, use, storage, and protection are set out in our Privacy Policy, which forms part of these Terms.

17 Changes to These Terms

mili may update or amend these Terms from time to time to reflect changes to the Platform, our services, or applicable law.

The current version, including its version number and "last updated" date, will always be available on the Platform. Where changes are material, we will indicate this by updating the version and date shown at the top of these Terms.

Your continued use of the Platform after any revised Terms take effect constitutes your acceptance of those changes. If you do not agree to the revised Terms, you must stop using the Platform.

18 General

18.1 Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision will be severed to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

18.2 No Waiver

mili's failure or delay in enforcing any provision of these Terms will not constitute a waiver of that provision or of its right to enforce it at any later time.

18.3 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and mili regarding your use of the Platform, and supersede all prior discussions, understandings, or agreements relating to its subject matter.

19 Governing Law and Jurisdiction

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

You consent to the non-exclusive jurisdiction of the High Court of South Africa (Western Cape Division, Cape Town) for any disputes arising from these Terms.

20 Contact Information

give with mili (Pty) Ltd
Email: info@givewithmili.co.za
Cape Town, South Africa

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