Terms and Conditions

Please read the following terms and conditions carefully as using the PayO Application and this website means that you accept them.

Use of the Site

The content of this website and PayO Application is owned by PayO South Africa, a Private Company duly registered in South Africa in 2018(Registration Number: 2018/387334/07).
You may not copy, reproduce, modify, distribute, republish, display, post or transmit any part of PayO Application and this website (including its content) without our express written permission. You may view or print individual pages only for your personal use and not for any commercial or financial gain.
You may not use PayO Application or this website or any of the contents on this website in a way which causes or may cause:

  • the website or the services offered to be interrupted, damaged or impaired;
  • offence or detriment to any other person who uses this website or any of the services
  • PayO, you or any other user of this website to be in breach of any applicable law or regulation;
  • detriment to any person who supplies services to PayO in connection with this website or service.

If we consider that you are doing, or are likely to do, any of these things or in any other way are adversely affecting this website, its users, PayO Application or its suppliers, we may immediately suspend your use of this website or any of the services offered.
PayO takes no responsibility for any loss or damage suffered by any person or organisation relying on the information and services contained within this website.


The content of this website including all research, opinions or other content does not constitute legal, tax or financial advice, nor does it necessarily reflect the views of PayO management, staff, shareholders, associates or suppliers. Before making any decision or taking any action which might affect you, please seek appropriate advice from a suitably qualified person.
This website may include technical, typographical or other inaccuracies and you are urged to contact our editorial staff to confirm all information contained herein before placing any reliance on it. Changes are constantly made to PayO Application and the information on this website.

These changes are incorporated without notification. PayO reserves the right to alter or amend any criteria or information set out on PayO Application and this website without notice.


All materials including all content and images published on PayO Application and this website are protected by copyright under South African copyright law. The website as a whole is also protected under South African copyright law and international agreements.
All website code is Copyright © PayO and may not be copied or redistributed.

Transmission of Information

Your attention is drawn to the fact that information transmitted via the Internet is susceptible to monitoring and interception. You will bear all risk of transmitting information in this manner. We will not be liable for any loss, harm or damage suffered by you as a result of transmitting information to us. We reserve the right to request independent verification of any information transmitted via email.
Please be aware that any unsolicited confidential or proprietary information sent to our editorial staff via the Internet cannot be guaranteed to remain confidential. If you need to send such information to our editorial staff and are concerned about the security of this information, please contact us and we will advise you of the most appropriate method of transmission.

Limitation of Liability

This website should only be used for information purposes. It is not advice and you should not rely on it to make (or refrain from making) any decision or take (or refrain from taking) any action unless otherwise directed. PayO is not responsible for the website’s accuracy or its fitness for a particular purpose or the reliability of the access to the website and/or PayO Application, unless otherwise indicated.
PayO is not liable for any damages or losses resulting from your use of or inability to use PayO Application or this website. We do not guarantee that PayO Application or this website will operate free of error, or that this website is free from computer viruses or any other contaminating computer program.
We do not accept any liability for any acts or omissions resulting from your decision or opinion formed on the basis of your use of this website.
Our staff are unable to answer any financial or commercial questions or offer any financial or commercial advice.

Links to other Web sites and Services

This website contains links to other websites which are not under our control. The links to other websites are included for your convenience and we do not accept any responsibility or liability for enabling you to link to any other website, for the contents of any other website, for the security of any other website, or for any consequence of your acting upon the contents of such a website.

Changes to these Terms and Conditions

We may change these terms and conditions, for PayO Application and this website, of use at any time by posting notice of the changes on this website. If you use PayO Application or this website after we have posted any such changes you will be bound by the new terms and conditions. You should therefore ensure that you read the terms and conditions each time you use PayO Application or this website.

Governing Law and Jurisdiction

These terms and conditions and your use of PayO Application and this website are governed by and construed in accordance with the laws of South Africa and any disputes will be decided only by the Courts of South Africa.

Connected Interests

PayO and any company or individual connected to it, including its members and employees, may have a position or interest in any product or service recommended in this or any other PayO website.

World Wide Web

The content of this website is not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) the publication or availability of this website is prohibited. Persons in respect of whom such prohibitions apply must not access this website.