Terms of Use

Vuleka Platform (Pty) Ltd (Registration Number 2017/410566/07), acting through its insurance product Vuleka Insure. Authorised Financial Services Provider, FSP 55203. 33 Andries Street South, Bramley Park, Sandton, Johannesburg, 2090. insurance@vuleka.com, 011 346 5233.

Our website and WhatsApp service let you find out about stock insurance, sign up, pay your monthly fee, view your Certificate of Insurance, view your shop report and lodge a claim. Vuleka arranges insurance cover for its members under the Vuleka SME Cover Master Group Scheme, underwritten by The Hollard Insurance Company Limited (FSP 17698), with riot and civil unrest cover provided through Sasria. Vuleka Distribution (Pty) Ltd is the Group Policyholder and Vuleka Platform (Pty) Ltd acts as broker and insurance intermediary. Proficient Solutions is the Binder Holder. You participate as a Covered Merchant; you do not have an individual Hollard policy.

The content on this website, including our guides and blog posts, is general information. It is not financial advice tailored to your circumstances, and it is not legal or tax advice. Product details on the site are a summary. If there is a difference between this site and the Terms and Conditions of Cover, the Terms and Conditions of Cover apply.

• You must be at least 18 and be the owner or authorised operator of the shop you are insuring.
• You must give us true and complete information, including your name, a selfie and photographs of the inside and outside of your shop.
• Foreign nationals are welcome. A South African ID is not required.
• Giving us false information may void your cover and any claim.

The monthly fee of R199 per month is payable monthly in advance. You can pay with Shop2Shop, Kazang, cash deposit or EFT. If the monthly fee is not received, cover may be suspended or ended in line with the Terms and Conditions of Cover. You can end your Vuleka membership at any time on WhatsApp. Once we confirm it on WhatsApp, your cover continues until the end of the month you have paid for, and then ends. If your monthly fee is overdue, or you end your membership within the cooling off period in the Terms and Conditions of Cover, your cover ends once we confirm it.

If someone referred you to Vuleka, Vuleka may pay them a once-off referral fee. This does not change your monthly fee or your cover.

Refer a shop. If you are a Covered Merchant, you can tell other shop owners about Vuleka. This is a thank you for spreading the word. It does not make you an employee, agent or representative of Vuleka.

Your reward

• When a shop owner you referred is accepted as a Covered Merchant and pays their first full monthly fee of R199, your next monthly fee is free (R199 off).
• Vuleka will send you a WhatsApp message with your personal referral link. The new shop owner must join using that link so we can record you as the referrer. We cannot add a referral afterwards.
• The reward is per shop owner. If a shop owner you referred joins with more than one shop, you still get one free month for that shop owner, not one per shop.
• Your own shop must be active and up to date with its payments when the reward is applied.
• You get one free month for each shop owner you refer. If you refer more than one shop owner, the free months are applied one after the other.
• The reward cannot be exchanged for cash, paid into a bank account or transferred to another shop.
• If your membership ends, any free months not yet used fall away.

What you can do

• Tell other shop owners that you use Vuleka and share your own experience.
• Share Vuleka's WhatsApp number (+27 65 945 9801) or website (insure.vuleka.com).
• Forward your personal referral link from Vuleka to shop owners who are interested.

What you must not do

• Do not give advice. Do not tell a shop owner whether the cover is right for them, compare it with other insurance, or help them choose.
• Do not explain or promise what is covered, the limits, or whether a claim will be paid. Send all questions to Vuleka on WhatsApp.
• Do not sign up a shop on their behalf or fill in their details, selfie or photos for them.
• Do not collect, hold or pass on any money. Shops pay Vuleka directly through Shop2Shop, Kazang, cash deposit or EFT.
• Do not contact a shop about missed payments or chase them to pay.
• Do not say you work for, or speak for, Vuleka, Hollard or Sasria.
• Do not pressure anyone, make false claims, or offer your own gifts or payments to get them to join.
• Do not spam people or share anyone's personal details without their permission.

If you break these rules, Vuleka may cancel referral rewards that have not yet been applied and may stop you from earning future rewards. Vuleka may change or end the Refer a shop reward by giving notice on WhatsApp. Rewards already earned before the change will still be applied.

Claims are submitted on WhatsApp. Tell us as soon as reasonably possible and within 30 days of the incident. For theft, report it to SAPS immediately and obtain a police case number. For Sasria events, the incident must be reported to SAPS within 48 hours and you must obtain a police case number. You do not need to contact Hollard or Sasria yourself. Where Sasria is relevant, Vuleka will submit the claim to Sasria on your behalf. Once a claim is approved we aim to issue a stock voucher within 48 hours so you can buy replacement stock from a partner wholesaler. We cannot guarantee the 48 hour turnaround for Sasria claims. Approval, limits and exclusions are set out in the Terms and Conditions of Cover.

Pages such as your shop report and Certificate of Insurance are generated from your trading data. Anyone with the link can open them, so treat the link as private. Figures shown are indicative and may lag behind live data.

• Do not use the service to commit fraud or submit false claims.
• Do not attempt to access other shops' data, probe our systems or bypass security.
• Do not scrape, copy or republish our content without permission.
• Do not upload anything unlawful, harmful or infringing.

The Vuleka name, logo, site design and content belong to us or our licensors. You may read and share our public guides for personal or business use, with credit, but you may not resell or rebrand them.

We try to keep the service running but we do not promise uninterrupted availability. To the extent the law allows, we are not liable for indirect or consequential loss arising from use of this website. Nothing in these terms limits your rights under the Consumer Protection Act, the FAIS Act or your cover.

Our complaints procedure is set out on the complaints page. These terms are governed by South African law and the South African courts have jurisdiction.

We may update these terms. The version on this page is the one that applies.