YOYO GIFT CARD MARKETPLACE
TERMS AND CONDITIONS
Version 2.0 | 22 June 2026
1 INTRODUCTION
Please read these Yoyo gift card marketplace Terms and Conditions carefully. Browsing the website and use of the Platform to purchase and send Gift Cards constitutes your agreement to comply with these Terms and Conditions. If you do not agree with these Terms and Conditions, please do not browse the website and use the Platform. All Participants agree to be bound by the Terms and Conditions.
2 DEFINITIONS
2.1 In these Terms and Conditions, unless the context otherwise requires, the following terms bear the meanings assigned to them:
2.1.1 “Business Day” means any day that does not fall on a weekend or public holiday in the Republic of South Africa;
2.1.2 “Gift Card” means a Yoyo digital gift card issued via the Platform, accessible to the Recipient through a unique wiCode and linked mobisite, redeemable at a specific Participating Merchant (Unique Gift Card) or any Participating Merchants excluding Takealot (Wrapped Gift Card);
2.1.3 “Participant” means any Sender or Recipient who interacts with the Platform or a Gift Card issued through the Platform;
2.1.4 “Participating Merchants” means the retailers and service providers listed on the Platform from time to time at which Gift Cards may be redeemed. The list of Participating Merchants may change without notice;
2.1.5 “Platform” means the Yoyo gift card marketplace operated by Yoyo and accessible at yoyorewards.com;
2.1.6 “POPIA” means the Protection of Personal Information Act No. 4 of 2013, as amended;
2.1.7 “Processing Fee” means the processing fee described in clause 4.1;
2.1.8 “Recipient” means the third party to whom a Sender sends a Gift Card, identified by the name and mobile number provided by the Sender at checkout;
2.1.9 “Sender” means the guest or registered account holder on the Platform who purchases a Gift Card and designates a Recipient to receive it;
2.1.10 “Terms and Conditions” means these terms and conditions;
2.1.11 “Unique Gift Card” means a Yoyo digital gift card issued via the Platform, accessible to the Recipient through a unique wiCode and linked mobisite, redeemable at a specific Participating Merchant; and
2.1.12 “wiCode” means the unique, one-time-use numeric redemption code and associated QR code that has a value assigned to it issued to the Recipient for each transaction. A wiCode functions like a one-time PIN and is replaced by a new wiCode reflecting the remaining balance after each partial redemption;
2.1.13 “Wrapped Gift Card” means a Yoyo digital gift card issued via the Platform, accessible to the Recipient through a unique wiCode and linked mobisite, redeemable at any Participating Merchants (excluding Takealot);
2.1.14 “Yoyo” means Yoyo SA Services (Pty) Ltd, registration number 2013/219035/07, a private company incorporated in accordance with the laws of the Republic of South Africa.
3 ELIGIBILITY AND VERIFICATION
3.1 Senders must be 18 years of age or older and hold a valid bank debit, cheque, or credit card that is 3D Secure enabled to purchase Gift Cards on the Platform.
3.2 Gift Cards may be purchased by Senders via bank card or by instant EFT.
3.3 As part of the registration process, Senders may be required to complete identity verification through Shufti Pro, our third-party KYC (Know Your Customer) verification partner by uploading a valid government-issued identity document. By registering, you consent to us sharing your information with Shufti Pro for this purpose. Failure to complete or pass any identity verification will result in the suspension or termination of your account.
3.4 Guest Senders will be required to provide their identification number for verification purposes.
3.5 We will treat any personal information provided to us in accordance with our Privacy Policy. You must keep your log-in credentials secret at all times and not disclose them to any third party (and if you do, you agree that the third party is your agent and can act on your behalf using those credentials and can bind you accordingly).
3.6 Please notify us immediately should you identify any breach of security of your credentials. We reserve the right to require Participants to revalidate their credentials with us, from time to time.
3.7 By using or registering on the Platform, the Sender warrants that:
3.7.1 they are 18 years of age or older;
3.7.2 all information provided is true, accurate, and complete;
3.7.3 they are the authorised holder of the payment method used; and
3.7.4 they will not use the Platform for any unlawful or fraudulent purpose.
3.8 We reserve the right to terminate any account where the aforementioned warranties are found to be untrue.
3.9 The Sender may purchase a Gift Card on the Platform and send it to a designated Recipient at a mobile number provided by the Sender. The Recipient may redeem the Gift Card at a specific Participating Merchant (Unique Gift Card) or any Participating Merchants (Wrapped Gift Card) in the Republic of South Africa. A Takealot Gift Card may only be redeemed at Takealot. We are entitled to treat any person presenting a valid wiCode as the authorised Recipient and shall have no liability arising from redemption by any person other than the intended Recipient.
3.10 The Gift Card is valid for a period of 3 years from the date of issue (being the date on which the Sender completes the purchase on the Platform) or upon full redemption thereof, whichever occurs first. If the Gift Card has been topped-up, it will remain valid for a period of 3 years from the date of top-up. A Takealot Gift Card cannot be topped up and will therefore be valid for a period of 3 years from date of issue or until redemption, whichever occurs first. We are not responsible for any loss arising from a Gift Card that expires due to non-use.
3.11 Gift Cards can only be linked to a single user account.
3.12 The Gift Card may not be exchanged for cash.
3.13 No cash change will be given on purchases made with the Gift Card.
4 FEES AND TRANSACTION LIMITS
4.1 A Processing Fee is charged to the Sender for each Gift Card sent. The current Processing Fee is 5% of the Gift Card face value plus VAT, subject to a minimum of R5.00 per Gift Card. The Processing Fee is displayed at checkout before the Sender confirms payment and is non-refundable once the Gift Card has been issued.
4.2 Each individual Gift Card purchased by Senders may not have a face value exceeding what is displayed at checkout, which amount may be determined and updated in our absolute and sole discretion. The total value of all Gift Cards sent in a single transaction may not exceed any amount displayed at checkout, which amount may be determined and updated in our absolute and sole discretion. Senders wishing to send Gift Cards with a combined value exceeding these limits must complete multiple separate transactions or contact us directly. It is to be noted that the limits for registered Senders may be higher than those of guest Senders, so guest Senders may proceed to register in order to increase the value of individual Gift Cards that may be sent and the total value of all Gift Cards that may be sent in a single transaction.
4.3 A maximum of 30 Recipients may be added individually per transaction. Bulk sending via file upload supports up to 5 000 Recipients per upload.
4.4 Digital Gift Cards are issued immediately upon successful payment by the Sender. Once issued, Gift Card purchases are non-refundable, except where required by applicable law. Please refer to the Yoyo gift card marketplace refund and cancellation policy for full details.
4.5 Gift Cards can be redeemed in conjunction with a cash payment when making a purchase in-store of a higher value than the amount available on the Gift Card.
4.6 Gift Cards can be used in full or for part payment of goods which you buy from the Participating Merchants. Please note that whilst all Gift Cards can be used for purchases in-store, not all Gift Cards can be used for online purchases. It is your responsibility to familiarise yourself with each Participating Merchants permitted Gift Cards transactions.
4.7 If a Participating Merchant which ordinarily permits online purchases using Gift Cards is offline or experiences a system outage, the Recipient will not be able to use the Gift Card online at that Participating Merchant until the Participating Merchant’s systems are restored. We are not responsible for any losses arising from a Participating Merchant’s system downtime.
4.8 If a Recipient has not received their Gift Card WhatsApp message or SMS, or has deleted the message, the registered Sender may resend the Gift Card by logging into their Yoyo gift card marketplace account and selecting ‘Resend Gift Card’. If a Sender is a guest, they will also have the option to resend the Gift Card by selecting ‘Resend Gift Card’ and entering the Recipient number.
4.9 If the Gift Card was sent to an incorrect mobile number and has not yet been fully redeemed, the registered Sender may update the Recipient’s mobile number through Purchase History. Once the Gift Card has been fully or partially redeemed, the mobile number cannot be changed. If the Sender is a guest they will need to Contact Us with the Yoyo gift card marketplace team for assistance.
4.10 We are not liable for any Gift Cards that are lost or stolen after issuance, or for any Gift Cards that the Sender sends to an incorrect mobile number. The Sender is solely responsible for ensuring that the correct Recipient mobile number is provided at the time of purchase. Where a Gift Card is sent to an incorrect number and the value has not yet been redeemed, the Sender must promptly notify us and/or update the mobile number through Purchase History.
4.11 When you redeem your Gift Card, the value of your purchase will be deducted from the balance on the Gift Card. When you redeem a Takealot Gift Card, any remaining value will be credited to your Takealot wallet.
4.12 The Recipient will receive their updated Gift Card balance after every redemption transaction via SMS to the mobile number linked to the Gift Card, except for Takealot Gift Cards which are not multi-redeemable and for which no balance notification is issued.
4.13 All refunds of goods and services purchased with a Gift Card will be made in accordance with the relevant Participating Merchant's refund policy. Any authorised refunded amount will be credited to a Gift Card and will not be given to you in cash.
4.14 Any purchase of a Gift Card is subject to these Terms and Conditions, the refund and cancellation policy, and the terms and conditions of the relevant Participating Merchant at the time of redemption. We do not control or warrant the terms, product availability, or service quality of any Participating Merchant. If a Participating Merchant ceases to participate on the Platform after a Gift Card has been issued for use at that Participating Merchant, we will make reasonable efforts to notify affected Gift Card holders; however we shall not be liable for any loss arising from a Participating Merchant’s withdrawal from the Platform.
5 DELIVERY TO RECIPIENTS
5.1 Gift Cards are delivered to the Recipient via WhatsApp message to the mobile number provided by the Sender at checkout. If the Recipient is not registered on WhatsApp, or if WhatsApp delivery is unavailable, the Gift Card will be delivered via SMS. The Sender is solely responsible for providing a correct and current mobile number for the Recipient.
5.2 Our delivery obligation is fulfilled upon successful dispatch of the WhatsApp message or SMS to the mobile number provided by the Sender. We are not responsible for non-delivery resulting from:
5.2.1 an incorrect mobile number provided by the Sender;
5.2.2 the Recipient’s device being unavailable or out of network coverage;
5.2.3 the Recipient’s messaging settings blocking the message; or
5.2.4 the Recipient having deleted the message.
5.3 An un-redeemed wiCode may be forwarded by the Recipient to another person, however all subsequent balance notifications and updated wiCodes will continue to be sent to the original Recipient’s mobile number. We accept no responsibility for any consequences arising from a Recipient forwarding their wiCode to a third party.
6 PERSONAL INFORMATION AND POPIA
6.1 We process personal information from Senders (including name, email address, mobile number, payment card details, identity document details, and transaction history) and about Recipients (including name and mobile number) in order to operate the Platform, process payments, deliver Gift Cards, send balance notifications, and comply with applicable law. All personal information is processed in accordance with POPIA and our Privacy Policy available on the Platform.
6.2 The personal information of Recipients is anonymised and used only for the purposes of sending the Gift Cards. It is not stored by us.
6.3 By providing a Recipient’s name and mobile number on the Platform, the Sender warrants that:
6.3.1 the processing of the Recipient's personal information is necessary for delivery of the Gift Card and is otherwise justified on the basis of legitimate interest or another lawful basis under POPIA;
6.3.2 the Recipient will be notified of the processing of their personal information upon delivery of the Gift Card; and
6.3.3 the Sender indemnifies us against any claim, penalty, or loss arising from the Sender’s failure to ensure a lawful basis for sharing the Recipient’s personal information with us.
6.4 We will retain Sender personal information for as long as necessary to fulfil the purposes for which it was collected, including for dispute resolution, chargeback defence, regulatory compliance, and fraud prevention, and thereafter in accordance with applicable retention obligations under South African law.
6.5 Data subjects including the Sender have the right under POPIA to request access to, correction of, or deletion of their personal information, subject to applicable legal restrictions. Such requests should be directed to our Information Officer via the contact details in our Privacy Policy available on the Platform.
7 COMPLAINTS AND DISPUTE RESOLUTION
7.1 If you have a complaint about a Gift Card, the Platform, or any aspect of our service, please contact our support team via the contact form at Contact Us. We will acknowledge your complaint within 2 Business Days and aim to resolve complaints within 10 Business Days.
7.2 Nothing in these Terms and Conditions limits your rights under applicable law.
8 REFUNDS AND CANCELLATIONS
8.1 Our full and operative refund and cancellation policy is set out in a separate document to these Terms and Conditions. The refund and cancellation policy is incorporated into these Terms and Conditions by reference and forms part of the agreement between us and the Sender. In the event of any conflict between a provision of this section and the refund and cancellation policy, the refund and cancellation policy shall prevail.
8.2 In summary: Digital Gift Cards are issued immediately upon successful payment and are, once issued, non-refundable except where required by applicable law.
8.3 By completing a purchase on the Platform, the Sender confirms that they have read and accepted both these Terms and Conditions and the refund and cancellation policy. We retain a transaction-level record of this acceptance, including the timestamp, invoice ID, IP address and browser information, and the version of each document accepted, which may be produced in the event of a payment dispute, chargeback, or regulatory inquiry.
9 GENERAL
9.1 In accordance with our confidentiality policies and practices, none of the details of any Recipient or Sender in the Platform will be disclosed or used by us for any purposes other than for making use of the Platform and in accordance with clauses 6 and 9.3.
9.2 Participants acknowledge and accept that we may utilise a third party to contact the Participant, in the event that the Participant requires us to arrange delivery of items purchased via the Platform. In order to affect the contacting and delivery process, we may provide the Participant's information to such third party.
9.3 Details of Recipients will not be used by us for any purpose. Details of Senders will not be used by us for related communication should the Senders opt-out to receive further communication from us.
9.4 Information regarding the Platform and promotions that are published on authorised advertising material will also form part of the terms and conditions of that promotion.
9.5 We may in our sole discretion amend these Terms and Conditions at any time, without notice, and such amendments shall be deemed to have taken effect from the date of publication of the revised terms and conditions on our website. The onus rests on Participants to constantly check the website for updates to these Terms and Conditions.
9.6 If this Platform is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond our reasonable control, including but not limited to technical difficulties, unauthorised intervention or fraud, we reserve the right, in our sole discretion, to the fullest extent permitted by law:
9.6.1 to disqualify any Participant; or
9.6.2 to modify, suspend, terminate or cancel the Platform as appropriate, subject to the approval of relevant regulatory authorities.
9.7 Save as permitted by law, we reserve the right to cancel, suspend or terminate this Platform, without notice at any time, and such cancellation, suspension or termination shall be deemed to have taken effect from the date of publication on our website. No liability shall lie against us in favour of any Participant and/ or third party arising from such cancellation, suspension or termination. Therefore, the Participant waives their right which they may have against us and hereby acknowledge that they will have no right of recourse or claim of any nature whatsoever against us.
9.8 The Platform is governed by these Terms and Conditions.
9.9 You agree that these Terms and Conditions shall be governed by, construed and interpreted in accordance with the laws of the Republic of South Africa and that any disputes, claims, actions and other matters arising therefrom, shall be determined in accordance with such law.
9.10 We accept no liability or responsibility, whether occasioned by any circumstance not foreseeable and not within its reasonable control for late or delayed delivery of items purchased via the Platform owing to, but not limited to, stock unavailability, strike, lock out, destruction of goods on route by any means, any civil commotion or disorder, riot, threat of war, any action taken by governmental authority or public authority of any kind, fire, explosion, storm, flood, earth quake or other acts of God.
9.11 To the maximum extent permissible by law, we shall not under any circumstances whatsoever (including as a result of our negligent acts or omissions or those of any person for whom we may be liable in law) be liable to you for any losses or damages (including, without limitation, indirect, special and consequential losses and damages) sustained by you arising out of or in connection with your use of this website or any information contained therein, regardless of how such losses or damages are caused, whether they arise under contract, delict or otherwise and whether the loss was actually foreseen or reasonably foreseeable.
9.12 All intellectual property in and to the Platform, including the Yoyo gift card marketplace and Yoyo brand, name, logos, trademarks, website content, and the underlying technology (including the wiCode system), is owned by or licensed to Yoyo. You are granted a limited, non-exclusive, non-transferable right to use the Platform for its intended purpose of purchasing and sending Gift Cards. No other rights in or to our intellectual property are granted to you, and you may not copy, reproduce, modify, or distribute any part of the Platform or its content without our prior written consent.
9.13 If part or all of any clause of these Terms and Conditions is illegal, invalid or unenforceable:
9.13.1 it will be read down to the extent necessary to ensure that it is not illegal, invalid or unenforceable, but if that is not possible;
9.13.2 it will be severed from these Terms and Conditions and the remaining provisions of these Terms and Conditions will continue to have full force and effect.