Legal Information & Policies

Privacy Policy

At Grupy, we value your trust and are fully committed to protecting your privacy. This policy describes how we collect, use, and process your personal information when you use our WhatsApp-native group payment services.

1. Information We Collect

When you interact with the Grupy Bot on WhatsApp, we collect basic details necessary to complete payments:

• WhatsApp Information: Your phone number, profile name and email address.
• Transaction Data: Amounts, dates, group identifiers, and payment status.
• Payment Credentials: All credit/debit card details are processed securely via our payment gateway (Clickatell Chat2Pay). Grupy does not store your card details on our servers.

2. How We Use Your Information

We use your data solely to:

• Process your splits, contributions, and payouts securely.
• Send transaction confirmation notifications directly via WhatsApp.
• Improve bot capabilities and ensure reliable service delivery.

3. Data Sharing

We do not sell or rent your personal information to third parties. Data is shared only with licensed financial services providers (such as Clickatell) to authorize and clear payments.

4. Data Retention & Your Rights

In accordance with POPIA, you have the right to request access to, correction of, or deletion of your personal data. We retain your transaction history only for as long as legally required by South African financial regulations. To request a copy of your data please contact our support team.

Terms of Use

These Terms of Use govern your access and use of the Grupy service via WhatsApp. The service is operated by Grupy (Pty) Ltd, a company incorporated in South Africa under registration number 2024/854231/07. By initiating a chat session with Grupy, you agree to these terms in full.

1. Using the Service

Grupy allows users to create group expense splits, set up group savings plans, and track payments natively inside WhatsApp. Users must provide accurate transaction details and are responsible for ensuring that payments are authorized.

2. Acceptable Use

You agree not to use Grupy for any unlawful purposes, including fraud, money laundering, or processing payments for illegal transactions. Any suspicious activity will lead to an immediate ban and reporting to the appropriate financial authorities.

3. Limitation of Liability

While we make every effort to maintain the uptime and secure nature of our WhatsApp bot, Grupy is not liable for indirect or consequential losses resulting from WhatsApp network outages, server delays, or incorrect details entered by the user.

4. Compliance & Regulator Status

Grupy (Pty) Ltd is a technology platform and acts as an intermediary utility service. Financial transactions are cleared and processed securely via licensed payment gateways and escrow facilities operated by partner financial institutions and Payment Service Providers in South Africa.

5. POPIA Act Compliance

We process personal information in strict accordance with the Protection of Personal Information Act, 2013 (Act No. 4 of 2013) ("POPIA"). By using Grupy, you consent to the storage and verification of details necessary to run group payouts.

6. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the Republic of South Africa. Any legal action or dispute arising under these terms shall be subject to the exclusive jurisdiction of the South African courts.

7. Unpaid or Incomplete Contributions

Grupy is a facilitation utility for voluntary group financial arrangements. If a group member misses a contribution or is unable to pay their split, Grupy does not impose late fees, interest, or financial penalties, nor do we perform collection actions. Once the group’s collection deadline arrives, the group admin has the option to either extend the deadline or proceed with withdrawing the partial amount accumulated up to that date. Any remaining shortfalls must be resolved externally by the group members.

8. Currency

All transactions, splits, and payouts processed through Grupy are denominated and settled exclusively in South African Rand (ZAR). You are responsible for ensuring that your connected payment methods support ZAR transactions.

9. Eligibility & Age Restriction

You must be at least 18 years of age to use Grupy. By interacting with the Grupy bot and facilitating payments, you warrant that you are of legal age to form a binding contract in the Republic of South Africa.

10. FICA & Identity Verification

To comply with the Financial Intelligence Centre Act (FICA) and standard anti-money laundering (AML) protocols, Grupy or our payment partners may require you to provide additional identity verification documentation if your group savings or payment volumes exceed certain regulatory thresholds.

11. Fees and Charges

While Grupy strives to keep group payments accessible, certain transactions may be subject to platform or payment gateway processing fees. Any applicable fees will be clearly displayed within the WhatsApp interface before you confirm a payment. Standard data charges from your mobile network provider may also apply for using WhatsApp.

12. Disputes Between Members

Grupy acts solely as a technological intermediary to facilitate payments. We are not a party to the underlying agreements made between group members. Any disputes regarding the purpose of the funds, broken promises, or group administration must be resolved externally among the group members themselves.

Security

Security is the foundation of Grupy. We ensure that you can coordinate and save money with your friends and family with zero security risks.

Contact Details

Have any questions or need support with a payment split? We are here to help you.