Terms of Use

These Terms of Use (the “Terms”) are an agreement between you and Kleva App (“Kleva”, “we”, “us” or “our”) for your use of the Kleva mobile application and any related services and content (together, the “App”). Kleva is a South African financial-literacy app that teaches people about money through lessons, quizzes, streaks and leaderboards, and may reward top performers with skill-based prizes.

Please read these Terms carefully. By downloading, creating an account on, or using the App, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the App. If you are using the App on an Apple device or downloaded it from Google Play, the additional app-store terms in Schedule A also apply.

1. Who may use Kleva (18+ only)

Kleva is for adults. You must be 18 years or older to create an account and use the App. By using Kleva, you confirm that you are at least 18. If we learn that a user is under 18, we may suspend or close the account and delete the information associated with it.

You must give accurate information when you sign up, keep it up to date, and keep your login details confidential. You are responsible for activity that happens under your account. Tell us straight away, using the contact details in section 16, if you think someone else has accessed your account.

2. Kleva is educational only not financial advice

This is one of the most important things to understand about Kleva, so we want to be completely clear:

We work hard to keep the content accurate, current and South-Africa-specific, including tax figures for the relevant tax year. Even so, money, markets, laws and tax rules change, and the App may contain errors or become out of date. You use the information in the App at your own discretion and risk, and you should verify anything important before relying on it. Kleva is not a bank, a financial services provider, a tax practitioner or a law firm, and using the App does not create an adviser-client relationship of any kind.

3. Your licence to use the App

As long as you keep to these Terms, we give you a personal, limited, non-exclusive, non-transferable, revocable licence to download and use one copy of the App on a device that you own or control, for your own personal, non-commercial learning. We (and our licensors) keep all ownership of the App. This licence does not sell the App to you; the App is licensed, not sold.

You may not, and may not allow anyone else to:

• copy, modify, translate or make derivative works of the App, except as the law allows despite this restriction;
• reverse engineer, decompile or disassemble the App, or try to extract its source code;
• rent, lease, lend, sell, sublicense or otherwise transfer the App or your account to anyone else;
• remove or alter any copyright, trademark or other proprietary notices; or
• use the App in any way that breaks the law, these Terms, or the rules of the app store you downloaded it from.

4. Fair play and acceptable use

Kleva’s leaderboards and rewards only work if everyone plays fairly, so these rules matter. When using the App, you agree not to:

• cheat, use bots, scripts, automation or exploits, or otherwise manipulate quizzes, scores, streaks or leaderboards;
• create more than one account, or create accounts to gain an unfair advantage in competitions;
• impersonate anyone, or use a display name that is offensive, misleading or infringes someone’s rights;
• interfere with the App’s security or normal working, or try to access parts of it you are not allowed to;
• harass, abuse or harm other users, our team, or anyone else; or
• use the App to break any law, or for any fraudulent or unlawful purpose.

If you break these rules, we may (depending on how serious it is) remove content, adjust or reset scores, disqualify you from a competition, withhold a prize, or suspend or close your account. Where we can, we will tell you why and give you a chance to respond, but we may act immediately where needed to protect the App or other users.

5. Rewards, competitions and leaderboards

Kleva may run competitions where top learners win cash or voucher prizes based on their performance. So there is no misunderstanding:

• Free to enter. You never pay an entry fee or stake to take part in a Kleva competition, and you do not need to buy anything to be eligible to win.
• Skill, not chance. Winners are decided purely by skill-based performance, such as quiz scores, streaks and lessons completed. Ties are broken by an objective skill measure, never by a random draw, spin or lucky-dip.
• Prizes for learning, not returns on money. Any prize is a reward for your learning performance. It is not interest, a yield, a return, earnings, guaranteed cash, a payout on money you have deposited, or any kind of investment. Kleva does not take deposits and does not offer any financial product.
• Governed by competition rules. Each competition is run under separate published competition rules, which set out who can enter, how winners are chosen, the number of prizes, entry deadlines and prize-award dates. Those rules form part of these Terms for anyone who takes part.
• Tax. A prize may have tax consequences for you, and in some cases we may be required by law to report or withhold amounts. You are responsible for your own tax position, and we recommend you speak to a registered tax practitioner if a prize is significant.

We may change, pause or end a competition or the rewards programme, in line with the applicable competition rules and the law. We will not do so in a way that unfairly deprives you of a prize you have already properly won.

6. Payments and subscriptions

Some features of the App may be free, and others may require payment or a subscription. Where you buy a subscription or other paid feature:

• prices, billing periods and what you get will be shown to you before you buy;
• purchases made through the Apple App Store or Google Play are processed by Apple or Google under their payment terms, and their rules on billing, renewals, cancellations and refunds apply in addition to ours;
• subscriptions may renew automatically unless you cancel before the renewal date, which you do through your app-store account settings; and
• except where the law or the relevant app store requires otherwise, payments are non-refundable once the service has been provided.

Prizes are paid separately. Cash and voucher prizes are paid out by us directly (for example by EFT or voucher), not through the app stores’ payment systems, and buying a subscription does not increase your chance of winning.

7. Our intellectual property

The App and everything in it including the Kleva name, logo, the green-and-navy branding, lessons, quizzes, text, graphics, design and software belongs to Kleva or our licensors and is protected by intellectual property laws. Except for the limited licence in section 3, these Terms do not give you any right to our intellectual property. You may not use our name or branding without our written permission.

8. Your content and feedback

If the App lets you submit content such as a display name, profile photo, or feedback you keep ownership of it, but you give us a licence to use it as needed to run the App (for example, showing your display name on a leaderboard). You are responsible for what you submit, and you confirm you have the right to submit it and that it does not break these Terms or anyone’s rights.

If you send us ideas, suggestions or feedback about the App, we may use them freely to improve Kleva, without any obligation to you.

9. Third-party services and links

The App relies on third-party services (such as hosting, analytics, payment and voucher partners) and may link to third-party content or websites. We do not control third-party services and are not responsible for them; your use of them is subject to their own terms and privacy notices. Any external link is provided for convenience and is not an endorsement or a recommendation of any product or platform.

10. Privacy

We handle your personal information in line with our Privacy Policy, which explains what we collect, why, how we protect it, how you can delete your account and data, and your rights under the Protection of Personal Information Act 4 of 2013 (POPIA). By using the App you also agree to the Privacy Policy. Please read it it forms part of your agreement with us.

11. Availability, changes and ending your use

We may update, improve, change or remove features of the App, and we may need to interrupt the App for maintenance or for reasons outside our control. We do not promise the App will always be available, uninterrupted or error-free.

You can stop using Kleva and delete your account at any time, from within the App or by contacting us. We may suspend or end your access if you break these Terms, if we are required to by law, or if we stop offering the App. If your account ends, the licence in section 3 ends too, but the sections that by their nature should continue (such as intellectual property, disclaimers, liability and governing law) will remain in force.

12. Disclaimers

To the fullest extent allowed by law, and without limiting your rights under the Consumer Protection Act 68 of 2008 or other South African law, the App and its content are provided “as is” and “as available”, without warranties of any kind. In particular, and as set out in section 2, Kleva does not warrant that the educational content is complete, accurate, current or suitable for your own circumstances, and the App is not a substitute for advice from a licensed professional.

13. Our liability

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited — including under the Consumer Protection Act such as liability for death or personal injury caused by our negligence, or for fraud.

Subject to that, and to the fullest extent allowed by law, Kleva is not liable for any indirect or consequential loss, or for any financial loss you suffer because of a money decision you made using information from the App, since the App is educational only and does not give personalised advice. Where we are found liable despite the above, our total liability to you is limited, to the extent the law allows, to the amount you paid us (if anything) for the App in the 12 months before the event giving rise to the claim.

14. Indemnity

To the extent the law allows, you agree to reimburse us for reasonable losses and costs we suffer because you have used the App unlawfully, cheated or manipulated a competition, breached these Terms in a material way, or infringed someone else’s rights.

15. Governing law and disputes

These Terms are governed by the laws of the Republic of South Africa, and the South African courts have jurisdiction over any dispute, without affecting any consumer protections you have under the law of the country where you live. If any part of these Terms is found to be unenforceable, the rest stays in force.

If you have a problem, please contact us first using the details in section 16 — most issues can be sorted out quickly and informally.

16. How to contact us

For any questions, requests or complaints about these Terms or the App:

17. Changes to these Terms

We may update these Terms from time to time to reflect changes to the App, our practices, the app stores’ rules, or the law. When we make significant changes, we will let you know through the App or by other reasonable means, and update the “last updated” date above. If you keep using the App after a change takes effect, you accept the updated Terms. If you do not agree, you should stop using the App and may delete your account.

Schedule A — Additional app-store terms

This Schedule applies in addition to the Terms above. Where it conflicts with the Terms for a particular app store, this Schedule wins for users of that app store.

Part 1 — Apple App Store

If you downloaded the App from the Apple App Store, you and Kleva acknowledge the following. These reflect Apple’s minimum terms for licensed applications.

• This agreement is with us, not Apple. These Terms are between you and Kleva only, and not with Apple Inc. Kleva, not Apple, is solely responsible for the App and its content.
• Licence scope. Your licence to use the App is a non-transferable licence to use it on any Apple-branded device that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions.
• Maintenance and support. Kleva, not Apple, is responsible for any maintenance and support for the App. Apple has no obligation to provide any support.
• Warranty and refunds. Kleva is responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. If the App fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any); to the maximum extent allowed by law, Apple has no other warranty obligation regarding the App.
• Product and legal claims. Kleva, not Apple, is responsible for addressing any claims by you or a third party relating to the App, including product-liability claims, claims that the App fails to meet a legal or regulatory requirement, and claims under consumer-protection or privacy law.
• Intellectual property claims. If a third party claims the App infringes their intellectual property, Kleva, not Apple, is responsible for the investigation, defence, settlement and discharge of that claim.
• Legal compliance. You confirm you are not located in a country subject to a U.S. Government embargo or designated as “terrorist-supporting”, and are not on any U.S. Government list of prohibited or restricted parties.
• Apple as third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of these Terms, and Apple has the right to enforce these Terms against you as a third-party beneficiary once you accept them.

Part 2 — Google Play

If you downloaded the App from Google Play, your use of the App is also subject to the Google Play Terms of Service and the Google Play Developer distribution rules. In case of any conflict, these Terms govern your relationship with Kleva, while Google’s terms govern your relationship with Google, including for payments and refunds handled through Google Play. Google is not a party to these Terms and is not responsible for the App.