Terms & Conditions

Hattel Abisel provides a digital fintech platform enabling users to purchase prepaid utilities and digital products including mobile airtime, data bundles, prepaid electricity, DStv payments, EasyPay transactions, and betting vouchers (collectively, the "Services").

We reserve the right to modify, suspend or discontinue any Service at any time with reasonable notice where possible. We will endeavour to ensure Services are available 24/7 but do not guarantee uninterrupted access.

All Services are provided subject to the availability of the underlying third-party service providers (including network operators, municipalities and payment processors). Hattel Abisel is not liable for any downtime or failures caused by such third parties.

To use our Services you must:

• Be at least 18 years of age or have the consent of a parent or legal guardian;
• Register an account with accurate and complete information;
• Maintain the security of your login credentials and not share them with third parties;
• Notify us immediately of any unauthorised access to your account.

We reserve the right to suspend or terminate accounts that provide false information or that we reasonably believe are being used fraudulently.

All transactions are processed in South African Rand (ZAR). Prices displayed are inclusive of VAT where applicable.

Payments are processed through secure third-party payment gateways (including PayFast). By proceeding with payment, you agree to the relevant payment provider's terms and conditions in addition to these Terms.

Once a payment has been successfully processed and a transaction submitted to the relevant service provider, it cannot be reversed or refunded unless expressly provided for in our Refund Policy below or required by applicable law.

Hattel Abisel reserves the right to update pricing at any time. Changes will be reflected on the platform prior to your next transaction.

Digital products (airtime, data bundles, electricity tokens, vouchers) are delivered electronically, typically within minutes of a successful payment. Delivery times may vary depending on third-party network availability.

It is your responsibility to ensure that all transaction details (cell numbers, meter numbers, account references) are correct before confirming a purchase. Hattel Abisel cannot be held liable for transactions submitted with incorrect details provided by you.

In the event of a failed transaction, we will attempt to refund the amount to your original payment method within 5–7 business days, subject to confirmation from our payment processor.

5.1  When Refunds Are Eligible

Hattel Abisel will consider a refund request only in the following circumstances:

• The payment was successfully deducted but the product was not delivered within 24 hours, and the non-delivery is confirmed by our system logs;
• A duplicate charge occurred as a direct result of a platform or payment gateway error;
• The transaction was processed against an incorrect account, meter number or cell number due to a verified platform error (not due to details entered incorrectly by the user);
• The service provider (e.g. network operator or municipality) rejected the transaction after funds were collected, and the product was never issued.

5.2  When Refunds Will Not Be Granted

Refunds will not be considered in the following situations:

• Incorrect cell numbers, meter numbers or account references were entered by the user;
• The user changed their mind after the transaction was successfully processed;
• The product was delivered successfully but the user disputes the value or denomination selected;
• Delays caused by the end-user's mobile network, municipality or service provider after successful submission;
• Transactions flagged as fraudulent or in violation of our Acceptable Use policy.

5.3  Cancellations

Because digital products are processed in real time, cancellations are not possible once a transaction has been submitted to the service provider. If you have not yet confirmed payment, you may abandon the transaction at any stage without charge.

If a payment was initiated via a third-party gateway (PayFast) but the transaction was not completed on our platform, any pending authorisations will lapse according to the payment provider's standard hold period (typically 24–72 hours). Contact your bank or the payment provider directly if funds appear held.

5.4  Refund Process and Timeframes

To request a refund, email support@hattelabisel.com within 7 days of the transaction date and include:

• Your full name and registered email address;
• Your transaction reference number (visible in your Transaction History);
• A brief description of the issue.

We will acknowledge your request within 2 business days and aim to resolve it within 7 business days. Approved refunds are processed back to your original payment method and may take an additional 3–7 business days to reflect, depending on your bank or card issuer.

5.5  Consumer Protection Act

Nothing in this Refund and Cancellation Policy limits or excludes your statutory rights under the Consumer Protection Act 68 of 2008 or any other applicable South African law. Where such legislation grants you a right to a refund or cancellation that cannot be contracted out of, those rights remain fully intact.

You agree to use the platform only for lawful purposes and in accordance with these Terms. You must not:

• Use the platform to commit fraud or facilitate any illegal activity;
• Attempt to gain unauthorised access to our systems or other users' accounts;
• Use automated tools, bots or scripts to interact with the platform without our written consent;
• Resell or commercially exploit our Services without prior written authorisation from Hattel Abisel;
• Submit false, misleading or defamatory content through the platform.

All content on this platform, including but not limited to logos, trademarks, text, graphics, design and software, is the intellectual property of Hattel Abisel (Pty) Ltd and is protected under South African intellectual property law.

You may not copy, reproduce, distribute or create derivative works from any platform content without our prior written consent.

We collect and process your personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA). By using our platform, you consent to the collection and use of your information as described in our Privacy Policy.

We will not sell, rent or share your personal information with third parties except as necessary to provide our Services (e.g. passing a cell number to a network operator to complete an airtime top-up) or as required by law.

We implement appropriate technical and organisational security measures to protect your personal information against unauthorised access, loss or disclosure.

To the maximum extent permitted by South African law, Hattel Abisel shall not be liable for:

• Any indirect, incidental, special or consequential loss or damage arising from your use of the platform;
• Loss of data, revenue, profits or goodwill;
• Delays or failures in delivery caused by third-party service providers;
• Any loss resulting from incorrect transaction details submitted by you.

Our total aggregate liability to you in connection with any claim shall not exceed the amount paid by you for the specific transaction giving rise to the claim.

Nothing in these Terms excludes or limits our liability for fraud, gross negligence or any liability that cannot be excluded by law, including under the Consumer Protection Act 68 of 2008.

Our platform integrates with third-party service providers including mobile network operators, municipalities and payment processors. These third parties operate under their own terms and conditions, which you may also be subject to.

Hattel Abisel is not responsible for the acts or omissions of any third-party provider. Any disputes regarding a delivered service (e.g. data bundle not activating on a network) should be directed to the relevant service provider.

We reserve the right to suspend or terminate your account at any time if you breach these Terms, engage in fraudulent activity, or if we are required to do so by law.

You may close your account at any time by contacting us. Termination does not affect any rights or obligations that arose prior to termination.

We may update these Terms and Conditions from time to time. We will notify registered users of material changes via email or a platform notification. Continued use of the platform after the effective date of any changes constitutes your acceptance of the revised Terms.

We recommend that you review these Terms periodically.

These Terms and Conditions are governed by the laws of the Republic of South Africa. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the South African courts.

In the event of a dispute, you agree to first attempt to resolve the matter by contacting us directly at support@hattelabisel.com. If unresolved within 30 days, either party may refer the matter to the appropriate court or alternative dispute resolution mechanism.

For questions, complaints or refund requests, please contact: