Terms of Service

Effective Date: January 1, 2026

Welcome to HustleFin. These Terms of Service govern your use of our banking services, website, and mobile applications. By accessing or using our services, you agree to be bound by these terms. Please read them carefully.

1. Acceptance of Terms

By opening an account, accessing our website, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Account Opening and Eligibility

To open an account with HustleFin, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction)
• Be a legal resident of the South Africa
• Provide accurate and complete personal information
• Have the legal capacity to enter into binding contracts
• Not have been previously banned or restricted from our services

We reserve the right to refuse service to anyone for any reason at any time.

3. Account Security

You are responsible for maintaining the confidentiality of your account information, including:

• Your account numbers and login credentials
• Your Personal Identification Number (PIN)
• Security questions and answers
• Any authentication devices or tokens

You agree to:

• Notify us immediately of any unauthorized access or security breach
• Log out of your account at the end of each session
• Use strong, unique passwords and change them regularly
• Keep your contact information up to date

4. Electronic Communications

By using our services, you consent to receive electronic communications from us, including:

• Account statements and transaction notifications
• Service updates and security alerts
• Marketing communications (which you may opt out of)
• Legal notices and policy updates

You are responsible for maintaining a valid email address and keeping your contact information current.

5. Transactions and Fees

All transactions are subject to:

• Verification and approval by HustleFin
• Applicable fees as disclosed in our Fee Schedule
• Daily and transaction limits
• Regulatory requirements and holds

You authorize us to debit your account for any fees, charges, or overdrafts in accordance with our fee schedule and your account agreement.

6. Prohibited Activities

You agree not to use our services for any unlawful purpose or to engage in any activity that:

• Violates any applicable law or regulation
• Infringes on the rights of others
• Involves fraudulent or deceptive practices
• Attempts to gain unauthorized access to our systems
• Transmits viruses, malware, or other harmful code
• Interferes with the proper functioning of our services

7. Limitation of Liability

To the fullest extent permitted by law, HustleFin shall not be liable for:

• Indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from unauthorized access to your account due to your negligence
• Service interruptions due to maintenance, updates, or circumstances beyond our control

Our total liability shall not exceed the amount of fees paid by you to us in the twelve months preceding the claim.

8. Dispute Resolution

Any dispute arising from these terms or your use of our services shall be resolved through:

• Informal Resolution: We encourage you to contact us first to attempt to resolve any issues informally
• Binding Arbitration: If informal resolution fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association
• Class Action Waiver: You agree to resolve disputes on an individual basis and waive any right to participate in class actions

9. Termination

We may suspend or terminate your account and access to our services at any time, with or without notice, for:

• Violation of these terms
• Fraudulent or suspicious activity
• Regulatory requirements
• Any other reason at our sole discretion

Upon termination, all provisions of these terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

10. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of significant changes by:

• Posting the updated terms on our website
• Sending an email to your registered email address
• Displaying a notice when you log into your account

Your continued use of our services after changes constitutes acceptance of the updated terms.