Terms of Service

Last updated: November 2026 · Cape Town, South Africa

These Terms of Service govern your business's access to and use of KassaFlow, a B2B software-as-a-service platform operated from Cape Town, South Africa. By creating an account or connecting an accounting ledger or payment gateway, you agree to these Terms on behalf of your organisation.

1. Service Scope

KassaFlow provides automated invoice reminder scheduling, WhatsApp Utility notifications, payment short-link generation, and recording of payments received through those links for Xero and Sage Business Cloud Accounting South Africa.

2. Merchant Responsibilities & Valid Invoicing Relationships

• Lawful Basis & Consent: You represent and warrant that every debtor contact synced into KassaFlow has a valid commercial or invoicing relationship with your business and that you have a lawful basis under POPIA to send transactional payment reminders.
• Accuracy of Invoices: You are solely responsible for the accuracy of invoice amounts, due dates, tax details, and customer contact records in Xero or Sage SA.
• Exclusions & Disputes: You agree to resolve invoices your customers query through KassaFlow, and to tell us promptly when an invoice is contested or should not receive automated reminders.

3. Meta WhatsApp Utility Messaging Compliance

WhatsApp reminders sent through KassaFlow must comply with Meta's WhatsApp Business Platform Terms and Messaging Policies:

• Automated reminders are strictly limited to transactional Utility notifications regarding existing invoices and payment links.
• You must not use KassaFlow to send unsolicited marketing, promotional broadcasts, or prohibited content.
• You must respect recipient opt-out requests (including STOP replies), which KassaFlow enforces automatically.

4. Third-Party Payment Gateways (Paystack & Ozow)

KassaFlow is software infrastructure and is not a bank, payment processor, or financial intermediary. All payments initiated via KassaFlow short-links are processed directly through your merchant account with Paystack or Ozow, subject to your separate agreement with those gateways. KassaFlow never holds or settles customer funds.

5. Fees & Subscriptions

Subscriptions are billed monthly in South African Rand (ZAR) according to your selected plan (Starter, Growth, or Accounting Partner). You may cancel your subscription at any time by contacting support@kassaflow.co.za before your next billing cycle.

6. Personal Information (POPIA Operator Terms)

For debtor and invoice data you sync into KassaFlow, you are the Responsible Party and KassaFlow is your Operator under POPIA. KassaFlow will process that information only to provide the service and on your instructions, keep it confidential, apply the security measures described in our Privacy Policy, and notify you without undue delay if we believe it has been accessed or acquired by an unauthorised person. These terms form the written Operator agreement required by section 21 of POPIA.

7. Limitation of Liability

To the maximum extent permitted by South African law, KassaFlow is provided on an "as-is" and "as-available" basis. KassaFlow shall not be liable for any indirect, incidental, special, or consequential damages, loss of profits, or uncollected debts, nor for downtime or errors caused by third-party services including Xero, Sage SA, Meta, Paystack, or Ozow. KassaFlow's total aggregate liability under these Terms shall not exceed the subscription fees paid by you in the three (3) months preceding the event giving rise to the claim.

8. Governing Law & Contact

These Terms are governed by the laws of the Republic of South Africa. For support, billing, or legal notices, contact support@kassaflow.co.za.