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. Unit 1, Wynberg Business Park, 33 Andries Street, Wynberg, Sandton. info@vuleka.com, 011 346 5233.

Our website and WhatsApp service let you find out about stock insurance, sign up, pay premiums, view your policy summary, view your shop report and lodge a claim. Vuleka is an intermediary. The insurance itself is underwritten by The Hollard Insurance Company Limited (FSP 17698), with riot and civil unrest cover provided through SASRIA.

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 your policy wording, the policy wording applies.

• 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.

Premiums are payable monthly in advance. You can pay with Pay2Pay, Kazang, cash deposit or EFT. If a premium is not received, cover may be suspended or cancelled in line with your policy wording. You can cancel at any time on WhatsApp.

Claims are submitted on WhatsApp. 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 your policy wording.

Pages such as your shop report and policy summary 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 policy.

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.