Terms & Conditions

Last Updated: July 2026

1. Introduction

Welcome to TipLink. These Terms and Conditions govern your access to and use of the TipLink website, platform, and digital wallet services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these terms. If you do not agree with any part of these terms, you may not use our Services.

2. Definitions

  • "Platform" refers to the TipLink software, application, and infrastructure.
  • "Tipper" refers to any individual who uses the Platform to send a financial gratuity.
  • "Worker" or "Receiver" refers to an individual registered on the Platform to receive gratuities.
  • "TipWallet" refers to the digital balance maintained on the Platform for a User.

3. Nature of the Service (Not a Financial Institution)

TipLink is strictly a technology platform and payment facilitator. We are not a registered Financial Services Provider (FSP), Bank, or Financial Institution under the Financial Advisory and Intermediary Services Act (FAIS) or the Banks Act of South Africa.

We do not provide financial advice, banking services, or interest-bearing accounts. All financial transactions are processed securely through our registered third-party payment gateways. TipLink merely acts as a technological bridge between Tippers and Workers. TipLink is also not an employer or employment agency. We do not guarantee the employment status, identity, or conduct of any Worker.

4. Payments, Fees, and Withdrawals

4.1 For Tippers

All tips processed through the Platform are final and non-refundable once initiated. By confirming a tip, you authorize TipLink to charge your selected payment method for the specified amount plus any applicable transaction fees explicitly presented at checkout.

4.2 For Workers

Tips sent to you are instantly credited to your TipWallet. You may withdraw your funds to a valid South African bank account. TipLink may deduct standard processing or platform fees from total earnings prior to withdrawal, which will always be clearly displayed in your dashboard.

5. Privacy and POPIA Compliance

TipLink is committed to protecting your personal information in accordance with the Protection of Personal Information Act (POPIA) of South Africa. We collect, store, and process only the data strictly necessary to facilitate payments, prevent fraud, and maintain your account. We will never sell your data to third parties.

6. Account Security

You are responsible for maintaining the confidentiality of your account credentials. You must immediately notify TipLink of any unauthorized use of your account. TipLink reserves the right to suspend or terminate accounts suspected of fraudulent activity, money laundering, or violation of these Terms.

7. Limitation of Liability

To the maximum extent permitted by South African law, TipLink and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of the Services, including but not limited to loss of funds due to user error, third-party payment processor failures, or unauthorized access.

8. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the South African courts.