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Introduction

This website, www.thutse.com ("Website"), is owned, created and made available by Perpetual Growth Proprietary Limited ("us", "we" and "our"). All the content, trademarks, business methods and capabilities made available through this website are protected by copyright and applicable intellectual property laws. Without any loss of rights granted through the usage of our website, you are authorised to view, download, distribute and print the contents of this website provided it is for non-commercial usage only. It is explicitly noted and disclosed that you may not use this website in such a manner that would interrupt the services offered nor breach any applicable laws and regulations.

It is specifically noted that by using this Website, you acknowledge that you have read and understood these Terms and Conditions, which are subject to change from time to time without notification.

Use of this Website

The information accessible via this Website is provided as general information about us, along with our offerings and services. None of the information should be treated as financial, investment or legal advice; nor as an offer but merely as an invitation to consider and do business with us.

All information on this Website is only intended to provide you with general information about us, our products, services and objectives. Nothing on this Website should be treated as an offer but merely as an invitation to do business with us.

Our website, may from time to time, provide the following information:

I. Variety of information relating to budgeting, cashflow structuring and general financial education;

II. Publicly available financial solutions, savings products and instruments without any form of recommendations;

III. All visitors of the Website should carry out their own research or seek help assistance from qualified and accredited service providers.

General Limitation of Liability

It is specifically noted that you agree that the information is made available as-is and although we have taken all reasonable care to ensure the accuracy of all the content on this Website; we shall not be responsible, in any manner or form, for any damage or loss that you may suffer as a result of relying on the accuracy of the content on this Website. 

Privacy and Data Usage

We respect our Website users and visitors’ rights to privacy and confidentiality. We therefore undertake to not share any of your identifiable information without prior opt-in consent for any purpose other than as disclosed in our Privacy Policy.

Third Party Websites, Feeds and Hyperlinks

This Website may contain or refer users and visitors to third party websites, which may or not be affiliated with us. Although we will apply diligence and reasonable care to ensure that third parties comply to applicable regulatory and laws, we accept no responsibility for any of the content provided on their websites.

Some of the content that we provide may originate from third party websites and feeds. Although we apply reasonable care and due diligence, we accept no responsibility nor make any warranties to the accuracy and complete of any such information.

External hyperlinks, frame, metatag and other forms of references, may be provided with prior consent by us, however these web pages are beyond our control and responsibility. As such, such hyperlinks cannot be construed as representation or endorsement by us.

General

We reserve the right to modify these Terms and Conditions at any time without any notification.

If any part of these Terms and Conditions is established to be invalid or unenforceable, the relevant part will be omitted with the remaining parts deemed valid and enforceable.

Last Update

These Terms and Conditions were updated on 02 January 2024.

Thank you for visiting our website. As part of service to our users, we collect, store, and utilise information relating to you as a user. The privacy and the protection of the information that you provide to us is one of our key priorities. Below are the practices and guidelines with regards to our processing and protecting of your personal information.

Introduction

This website, www.thutse.com ("Website"), is owned, created and made available by Perpetual Growth Proprietary Limited ("us", "we" and "our"). It is specifically noted that by using this Website, you acknowledge that you have read and understood the Privacy Policy, which are subject to change from time to time without notification.

Personal Information That We Collect and Process

In using our services via the secured portal, we will generally process the following information as required for the full experience of our services and by regulatory requirements:

I. Your full names, contact details, Identity Number;

II. Your financial information, including your bank account and banking information

We may further collect additional information such as how you use our online services.

How We Collect Your Personal Information

We collect your personal information directly from you as part of the on-boarding process (i.e. registration, full profile completion etc.) and as part of using our services. In addition, we will collect further information when you correspond with us.

In other instances, we may collect information on your usage and navigation of our website through the use of cookies. Additional, we may be required to collect additional information about you from third parties in relation to regulatory requirements such as the prevention of money laundering and other financial crimes.

How and Why We Use Your Personal Information

We will mainly use your personal information as part of delivering our services to you in line with our Service Level Agreement and contractual agreement with you. We will further make use of your personal information for legitimate business or commercial reasons including regulatory requirements and best practice.

Sharing of Your Personal Information

We will ordinarily share your personal information where we have contracted with a third party for the provision and fulfilment of our operations; in such cases, we will have confidentiality agreements in place to ensure the safeguarding of your personal information. In addition, we may have to share your personal information where we are mandated by law to disclose the information to regulatory bodies and agents.

Storage and Destruction of Your Personal Information

We will retain your personal information in so far as you remain our client. We may have to continue storing your information after you end your client relationship with us if required by regulation.

Your Rights In Relation to Your Personal Information

In accordance with the provisions of the POPI Act, you have rights in relation to the processing of your personal information including notification, access, correction, destruction, deletion and objection to the processing of your personal information. These rights are not without limitations.

Last Update

The Privacy Policy was updated on 02 January 2024.

Thank you for your loyalty as a customer of Thutse (“us”, “we”, “our”). Although our intention is to enable you to create and adhere to your desired spending plan, we understand unforeseen events may occur and necessitate that you abandon your plan. In this instance, the following cancellation policy will apply.

Introduction

This cancellation policy should be read in conjunction with the Terms and Conditions of using our services along with other applicable policies. It is specifically noted that by using our services, you acknowledge that you have read and understood the Cancellation Policy, which is subject to change from time to time without notification.

How We Define A Cancellation

In the event that you have created and prepaid a spending plan consisting of at least one (1) or more prepayments and one (1) or more payouts, we define a cancellation as the amendment of the date or amount or both of any or all of the prepayments or payouts prior to the release dates or amounts as specified at the inception of the spending plan.

How We Process A Cancellation

We will process cancellation requests in line with our administration cut-off times. The table below shows the timelines for cancellations:

1. If we receive instruction before 14:00

We will process and send the instruction to your bank on the same day. The timelines of processing this instruction once received various amongst banks. Processing can be between same day to 72 hours (excluding non-business days). Please enquire with your bank.

2. If we receive instruction after 14:00

We will process and send the instruction to your bank on the next  business day. The timelines of processing this instruction once received various amongst banks. Processing can be between same day to 72 hours (excluding non-business days). Please enquire with your bank.

Cancellation Directly With Your Bank

In the case where you engage directly with your bank to remove, cancel or release a valid spending plan which you have created and prepaid on Thutse, you will be liable for any charges, chargebacks, transaction or settlement costs and other related expenses that your bank may charge against us. You will be liable to reimburse us for these costs, and we will institute a debit on your bank card or bank account of the equivalent amount charged by your bank.

Your Rights In Relation to Your Statutory Laws

Our policy does not limit your statutory rights and necessary consumer protection as granted in accordance with the provisions of the applicable acts, laws, and regulations.

Last Update

The Cancellation Policy was updated on 06 March 2024.