These Terms & Conditions (“T&Cs”) govern participation in the Tap & Pay Rewards Program (“the Program”) operated by ZAS (“we”, “us”, “our”). By using Tap & Pay and participating in the Program, you (“the customer”, “you”) agree to these T&Cs.

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1.⁠ ⁠Eligibility

• The Program is open to all Tap & Pay users with an active and valid account.

• ZAS reserves the right to verify eligibility and may decline or revoke participation at any time.

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2.⁠ ⁠Reward Structure

• Airtime Rewards: Customers with monthly Tap & Pay transactions between R0 and R40,000 will receive airtime rewards equal to 10% of their transaction fees.

• Cash Rewards: Customers with monthly Tap & Pay transactions exceeding R50,000 will receive cash rewards equal to 10% of their transaction fees, credited directly to their account.

• Rewards are calculated based on total completed and successful Tap & Pay transactions per calendar month.

• Rewards are disbursed within 10 business days of the following month.

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3.⁠ ⁠Exclusions & Limitations

• Only successful transactions are eligible. Failed, reversed, or disputed transactions do not qualify.

• Transactions made fraudulently or in breach of ZAS’s general Terms of Service are excluded.

• Rewards are non-transferable and may not be exchanged for alternative benefits, unless explicitly stated.

• ZAS reserves the right to cap, adjust, or withdraw rewards in cases of suspected abuse, manipulation, or error.

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4.⁠ ⁠Program Changes & Termination

• ZAS may amend, suspend, or terminate the Program (including reward rates, eligibility, and structure) at any time without prior notice.

• Any changes will be published on the official ZAS website and will apply prospectively.

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5.⁠ ⁠Liability

• ZAS will not be liable for any loss, damage, or expense arising from participation in the Program, except where required by law.

• Rewards are provided “as is” and without warranties of any kind.

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6.⁠ ⁠Governing Law

• These T&Cs are governed by the laws of the Republic of South Africa.

• Any disputes arising from the Program shall be subject to the jurisdiction of South African courts.

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7.⁠ ⁠Acceptance

By participating in the Tap & Pay Rewards Program, you confirm that you have read, understood, and agreed to these Terms & Conditions.