FLUXIOPAY ACCEPTABLE USE & ANTI-FRAUD POLICY

Last Updated: 27 January 2026

This Acceptable Use & Anti-Fraud Policy sets out the rules governing the acceptable use of the FluxioPay platform and describes measures taken to prevent fraud, abuse, and unlawful activity. This policy must be read together with the FluxioPay Terms and Conditions and related policies.

By using FluxioPay, you agree to comply with this policy.

1. PURPOSE

FluxioPay operates a controlled digital voucher platform intended for legitimate saving, budgeting, gifting, and planned spending. This policy exists to protect users, retailers, payment providers, and the platform.

2. ACCEPTABLE USE

You may use FluxioPay only for lawful and legitimate purposes, including:

Personal or group saving
Planned spending and budgeting
Gifting via Store Gift Cards
Group saving initiatives such as families, stokvels, and social clubs

3. PROHIBITED ACTIVITIES

You may not use FluxioPay to:

Convert vouchers into cash or cash equivalents
Sell, resell, trade, or broker vouchers or Store Gift Cards for profit
Use the platform for money laundering, fraud, or financial crime
Circumvent platform rules, limits, or controls
Create multiple accounts to bypass limits
Provide false, misleading, or incomplete information
Share account credentials or allow unauthorised access

4. GROUP ACCOUNT MISUSE

Group Members may not perform actions outside their permitted access
Group Members may not convert vouchers
Any misuse within a Group Account remains the responsibility of the Account Owner
FluxioPay will not mediate disputes between group members

5. MONITORING AND CONTROLS

FluxioPay reserves the right to:

Monitor account and transaction activity
Apply transaction limits
Flag, delay, or block suspicious transactions
Require additional verification where necessary

Monitoring may include review of frequency, value, patterns, and behaviour.

6. ACCOUNT SUSPENSION AND TERMINATION

FluxioPay may suspend or terminate accounts without prior notice if:

Fraud or abuse is suspected
This policy or related policies are violated
Required by law or regulation

During suspension, access to vouchers or conversions may be restricted.

7. REPORTING AND COOPERATION

FluxioPay may report suspicious activity to relevant authorities where legally required and will cooperate with lawful requests in accordance with applicable law, including POPIA.

8. NO LIABILITY FOR USER MISUSE

FluxioPay is not liable for losses arising from:

User negligence
Credential sharing
Misuse of vouchers or Store Gift Cards
Participation in prohibited activities

9. CHANGES TO THIS POLICY

FluxioPay may update this policy from time to time. Continued use of the platform constitutes acceptance of updated terms.

10. CONTACT

Reports or queries relating to misuse or fraud may be submitted to:

queries@fluxiopay.com