Stokmate is operated by Stokmate (Pty) Ltd, a company registered in South Africa (the "Company", "we", "us"). We take your privacy seriously. This policy explains what we collect, how we use it, and your rights under the Protection of Personal Information Act (POPIA) and, where it applies, the UK and EU GDPR.
Stokmate is a record-keeping and communication tool. We do not hold, move, transfer or have access to any funds belonging to your stokvel, pardner, sou-sou, tontine or savings club. Contributions move directly between members using their own banking arrangements. We log the facts — not the cash.
We do not sell your data. We only share it with the service providers who make Stokmate work — our database host (Supabase), hosting provider (Netlify), and, if you send messages, our messaging provider (Twilio). These providers act as operators and process data only on our instructions.
Data is stored in our Supabase region (North EU — Stockholm). If you use Stokmate from outside the EU, you consent to your data being transferred there under appropriate safeguards.
We keep account and group data for as long as you have an active account. Financial and audit records are retained for 7 years after group closure to comply with South African record-keeping rules. You may request earlier deletion — see "Your rights" below.
Stokmate is not intended for anyone under 18. We do not knowingly collect data from minors.
For any privacy question or request, email hello@stokmate.co.za. We'll respond within 30 days, as POPIA requires.
Stokmate is a software tool that helps savings groups — stokvels, pardner, sou-sou, tontines and similar — track contributions, record activity, and communicate. Stokmate is not a bank, payment processor or financial services provider. We do not hold, invest or guarantee your money.
You must be 18 or older to use Stokmate. You're responsible for keeping your password safe and for everything that happens under your account.
You and your fellow members are solely responsible for the actual money, the rules of your group, the payouts and any disputes. Stokmate provides the tools; you run the group. We are not a party to your group agreement.
New accounts get a 30-day Pro trial with no card required. After that, Pro features are R49/month or R490/year per group, charged through PayFast. You can cancel at any time — you'll keep Pro until the end of your current billing period and then drop to the Free plan. Refunds are handled case-by-case.
Our privacy policy explains what we collect and why. By using Stokmate you agree to the processing described there.
To the fullest extent permitted by law, Stokmate (Pty) Ltd is not liable for losses arising from member defaults, disputes, missed payouts, banking errors or any indirect or consequential damages. Our total liability in any matter is capped at the fees you've paid us in the preceding 12 months.
If we make a material change we'll tell you by email or in-app at least 14 days before it takes effect. Continued use after the change counts as acceptance.
You can delete your account at any time by emailing hello@stokmate.co.za. We can suspend accounts that breach these terms or that we reasonably believe are being used unlawfully.
These terms are governed by the laws of the Republic of South Africa. Disputes fall under the non-exclusive jurisdiction of the South African courts.
Questions? Email hello@stokmate.co.za.