Master Terms of Service
Simple Fintech (Pty) Ltd (CIPC Registration No. K2022570508) (“Simple Fintech”, “we”, “us”, “our”)
Applies to: meetsimple.co; and all products owned and operated by Simple Fintech (Pty) Ltd, including Krated (krated.com) and steersure (steersure.com) (together, the “Services”). Krated and steersure are products of Simple Fintech (Pty) Ltd.
Last updated: 10 February 2026
1. Definitions
Account: a registered user profile that enables access to the Services.
Customer / you: the entity (company) or person using the Services.
Customer Data: all data, content, information, files, records, and other inputs submitted to or made available through the Services (including data from integrated systems such as accounting, inventory, sales, logistics, or payment systems).
Order Form: any order, quote, statement of work (SOW), or subscription sign-up flow specifying plan, fees, and scope.
Product Terms: product-specific terms, notices, or acceptable use rules shown within a particular product.
2. Scope and hierarchy
2.1 These Master Terms govern your use of the Services.
2.2 If Product Terms or an Order Form conflict with these Master Terms, the Order Form prevails for commercial terms, and Product Terms prevail for product-specific operational terms.
3. Acceptance and eligibility
3.1 By accessing or using any Service, you agree to be bound by these Terms and our Privacy Policy.
3.2 You must have authority to bind your organisation (or, if an individual, legal capacity to contract).
4. The Services
4.1 The Services include business software for operations, order/inventory/delivery workflows (e.g., Krated) and business intelligence, alerts, and forecasting (e.g., steersure).
4.2 We may add, modify, or discontinue features, including beta/early access features, at any time.
5. Accounts and access
5.1 You are responsible for safeguarding credentials and all activities under your Account.
5.2 You must promptly notify us of suspected unauthorised access.
5.3 We may suspend Accounts to protect the Services, you, or others, including in cases of suspected security incidents or policy violations.
6. Customer Data: ownership, licence, and authority
6.1 You own your Customer Data.
6.2 You grant us a limited, non-exclusive licence to host, process, transmit, and otherwise use Customer Data only to provide, secure, maintain, and improve the Services (including analytics and troubleshooting).
6.3 You warrant that you have all rights, permissions, and lawful basis required to provide Customer Data to us (including where Customer Data contains personal information of employees, customers, or third parties).
7. Integrations and third-party services
7.1 The Services may integrate with third-party tools (e.g., accounting platforms) to sync or analyse your data.
7.2 Third-party services are governed by their own terms and privacy policies; we are not responsible for third-party systems, outages, or data practices.
7.3 You are responsible for ensuring you have authority to connect third-party systems and for complying with their terms.
8. Acceptable use
You may not (and may not allow others to):
- use the Services unlawfully or to infringe rights;
- attempt to gain unauthorised access, probe, scan, or test vulnerabilities;
- reverse engineer or copy the Services (except to the extent permitted by law);
- upload malware or interfere with normal operation;
- scrape, harvest, or bulk-export data in a manner that compromises security or other users;
- use the Services to build a competing product using our confidential information.
9. AI features (OpenAI)
9.1 Some features may use AI to generate insights, summaries, alerts, forecasts, or recommendations. For steersure, insights and forecasts are predictions and not guarantees.
9.2 Where AI features are enabled, we may send relevant portions of Customer Data to our AI provider (OpenAI) strictly to deliver the feature. OpenAI states that for business/API use cases, it does not train models on customer data by default, and API abuse monitoring logs may be retained up to 30 days by default.
9.3 You acknowledge that AI outputs can be inaccurate, incomplete, or misleading; you remain responsible for decisions made using the Services.
10. Fees, billing, and taxes
10.1 Fees (if any) are as set out in the Order Form or in-product pricing pages (including “free”, “custom pricing”, and subscription tiers).
10.2 Unless otherwise stated, fees are billed in advance and are non-refundable, except where a product-specific refund policy applies (e.g., steersure may offer a first-month refund as described in-product).
10.3 You are responsible for applicable taxes unless we are required by law to collect them.
11. Support and service levels
11.1 Support channels and response times may vary by plan and product.
11.2 Any SLA must be agreed in writing in an Order Form.
12. Security
12.1 We use reasonable technical and organisational measures to protect Customer Data, including encryption in transit and at rest as described in our product materials.
12.2 No method of transmission or storage is 100% secure; you acknowledge residual risk.
13. Confidentiality
13.1 Each party may receive the other’s confidential information. The receiving party will protect it using reasonable care and use it only to perform obligations under these Terms.
13.2 Confidentiality obligations do not apply to information that is public through no fault of the receiving party, independently developed, or lawfully received from a third party.
14. Warranties and disclaimers
14.1 The Services are provided “as is” and “as available” to the maximum extent permitted by law.
14.2 We do not warrant that the Services will be uninterrupted, error-free, or that outputs (including analytics/forecasts) will achieve particular results. For steersure, forecasts are predictions, not guarantees.
14.3 You are responsible for compliance with laws applicable to your business and your use of the Services.
15. Limitation of liability
15.1 To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits, revenue, data, or goodwill.
15.2 Our total aggregate liability for any claim relating to the Services is limited to the fees paid by you to us for the Service giving rise to the claim in the three (3) months preceding the event (or, if you are on a free plan, to ZAR 0), unless law does not allow such limitation.
16. Indemnity
You agree to indemnify and hold us harmless from claims arising out of: (a) your Customer Data; (b) your misuse of the Services; (c) your breach of these Terms; or (d) your violation of any law or third-party rights.
17. Suspension and termination
17.1 Either party may terminate an Order Form or subscription according to its terms; we may suspend immediately for security or legal reasons.
17.2 Upon termination, your access will end, and we will handle Customer Data according to the Privacy Policy and the “Data retention” section below.
18. Data retention and deletion (contractual)
18.1 We retain Customer Data while your Account is active.
18.2 After cancellation/termination, we delete or de-identify Customer Data within 30 days, unless: (a) you request earlier deletion; (b) longer retention is required by law; or (c) we must retain limited records for legitimate business purposes (e.g., billing, dispute resolution).
19. Changes to the Terms
We may update these Terms from time to time. We will notify you of material changes via email or in-product notice. Continued use after the effective date means you accept the updated Terms.
20. Governing law and disputes
These Terms are governed by the laws of the Republic of South Africa, without regard to conflict of law principles. Courts in South Africa will have jurisdiction, unless an Order Form specifies arbitration.
21. Contact
For all enquiries across any of our products (including Krated and steersure): hello@meetsimple.co