Terms & Conditions

1. Introduction

Welcome to Stokvel Embers. By accessing or using this website, you agree to comply with and be bound by these Terms and Conditions. If you do not agree, please do not use this website.

2. About Stokvel Embers

Stokvel Embers is a community-driven storytelling platform that shares real stories, insights, and experiences from stokvel members for educational and informational purposes.

3. Use of the Website

By using this website, you agree to:

• Use the content for lawful purposes only
• Not misuse, copy, or distribute content without permission
• Not post or share harmful, misleading, or offensive content

4. User-Generated Content

By submitting stories, comments, or any content to Stokvel Embers, you agree that:

• You grant Stokvel Embers the right to use, publish, and share your content across its platforms
• Your content may be edited for clarity, length, or presentation
• You confirm that the content is your own and does not infringe on the rights of others

5. Content Disclaimer

• The content shared on this platform is for informational and educational purposes only
• Stokvel Embers does not provide financial, legal, or professional advice
• Users are encouraged to seek professional advice where necessary

6. Privacy and Protection of Personal Information (POPIA)

Stokvel Embers is committed to protecting your personal information in accordance with the Protection of Personal Information Act (POPIA) of South Africa.

6.1 Collection of Personal Information

We may collect personal information such as:

• Name and contact details (e.g. email address)
• Any information voluntarily shared through story submissions, comments, or enquiries

6.2 Use of Personal Information

Your personal information will be used for:

• Publishing and sharing submitted stories (with consent)
• Communicating with you where necessary
• Improving the platform and user experience

6.3 Consent

By submitting your personal information, you:

• Consent to the collection and use of your information as outlined above
• Understand that your submitted content may be published on the platform

6.4 Protection of Information

We take reasonable and appropriate measures to protect your personal information from loss, misuse, or unauthorised access.

6.5 Your Rights

In terms of POPIA, you have the right to:

• Access your personal information
• Request correction or deletion of your information
• Withdraw consent at any time

Requests can be made by contacting us at: info@stokvelembers.co.za

6.6 Retention of Information

Personal information will only be retained for as long as necessary to fulfil the purpose for which it was collected, unless required by law to retain it for a longer period.

7. Intellectual Property

All content on this website, including text, branding, and materials, belongs to Stokvel Embers unless otherwise stated.

You may not reproduce, distribute, or use content without prior written consent.

8. Limitation of Liability

Stokvel Embers will not be held liable for:

• Any decisions made based on content from the platform
• Any loss or damages arising from the use of this website

9. Changes to Terms

We reserve the right to update or modify these Terms and Conditions at any time. Continued use of the website constitutes acceptance of any changes.

10. Governing Law

These Terms and Conditions are governed by the laws of South Africa.

11. Contact Us

For any queries regarding these Terms and Conditions, please contact: info@stokvelembers.co.za