Acceptable Use Policy.

This Acceptable Use Policy ("AUP") sets out the rules governing the use of the Alivo platform ("Alivo", "we", "our") by venues, customers, and any other users. It exists to protect customers, venues, payment partners, Alivo, and the integrity of the South African payment system.

By using Alivo, you agree to comply with this AUP. Breach of this AUP may result in suspension, termination of access, refusal of payment, and/or reporting to law enforcement, the Information Regulator, or Paystack.

• Venues: bars, clubs, restaurants, hospitality businesses or any merchant onboarded to accept payments via Alivo
• Customers: individual end users who download the Alivo app and pay through it at participating venues
• All other users:anyone interacting with Alivo's website, app, APIs, or services

Venues may NOT use Alivo to process payments for any of the following:

• Illegal drugs or controlled substances
• Unlicensed alcohol sales (a valid SA liquor licence is mandatory)
• Tobacco or vaping products to minors
• Weapons, ammunition, or explosives
• Counterfeit goods
• Stolen property
• Sexual services or adult entertainment outside what is permitted by SA law
• Gambling services without the appropriate provincial gambling licence
• Cryptocurrency or virtual asset trading
• Any goods or services prohibited under the Consumer Protection Act 68/2008
• Any goods or services prohibited under Paystack's own merchant policies
• Any goods or services that breach South African law

Venues must NOT:

• Submit transactions for goods or services not actually provided to the customer
• Process transactions on behalf of a third party (factoring/aggregating)
• Use Alivo to launder funds, evade tax, or circumvent exchange controls
• Manipulate tab amounts after the customer has left without consent
• Charge customers fees that have not been clearly disclosed
• Misrepresent prices, ingredients, alcohol content, or product origin
• Refuse legitimate customer refunds in breach of the Consumer Protection Act
• Share customer personal information with third parties without lawful basis under POPIA
• Sub-license, resell, or grant access to the Alivo venue dashboard to unauthorised persons
• Tamper with QR codes, payment flows, or order data

Customers must NOT:

• Use a payment card that is not lawfully theirs to use
• Knowingly use a stolen, lost, or compromised card
• Use Alivo to facilitate fraud against any venue
• Use Alivo while underage (under 18) to purchase alcohol or restricted items
• Order with the intent to refuse payment ("dine and dash")
• Reverse, dispute, or chargeback transactions in bad faith
• Attempt to manipulate, exploit, or reverse-engineer the Alivo app or API
• Harass venue staff or other customers via any communication channel within the app
• Submit false personal or contact information

Alivo and its venues must comply with:

• Financial Intelligence Centre Act 38/2001 (FICA): including reporting obligations where applicable
• Sanctions screening: venues and beneficial owners are screened against South African and international sanctions lists during onboarding
• Suspicious transaction reporting: Alivo reserves the right to report suspicious activity to the Financial Intelligence Centre (FIC) and to suspend any account pending investigation

All personal information processed via Alivo is governed by the Protection of Personal Information Act 4/2013 (POPIA) and Alivo's separate Privacy Policy.

• Customers consent to the processing of their data at signup
• Venues are appointed as Operators under POPIA s19 to s21 and must comply with operator obligations
• Personal information is never sold to third parties
• Cross-border transfers occur only where adequate protection exists per POPIA s72

• Alivo never stores raw payment card numbers, CVVs, or PINs
• All card data is tokenized via Paystack, who is responsible for PCI-DSS compliance for card storage
• Venues may not request a customer's card details directly outside the Alivo app
• Customers should never share payment credentials with venue staff

Suspected breaches of this AUP can be reported to:

• Email: cobus.senekal@outlook.com (subject line: "AUP Violation Report")
• In-app: dispute and report function (once the app is live)

Reports are reviewed within 5 business days. Critical violations (fraud, money laundering, child safety) are escalated immediately.

Alivo may, at its sole discretion and without prior notice:

• Suspend a venue or customer account pending investigation
• Reverse, refuse, or hold any transaction
• Terminate access to Alivo's platform permanently
• Report violations to Paystack, the South African Police Service, the FIC, the Information Regulator, or other competent authorities
• Withhold settlement of funds where fraud or AUP breach is suspected, pending resolution

This AUP may be updated from time to time. Material changes will be notified to venues by email and to customers via in-app notice. Continued use of the platform after changes constitutes acceptance.

This AUP is governed by the laws of the Republic of South Africa. Any dispute arising under this AUP is subject to the non-exclusive jurisdiction of the South African courts.

For questions about this AUP, contact: