Terms & Conditions

MoneyDrive is a driver command center application designed for independent Uber and Bolt drivers operating primarily in South Africa, with global scalability planned. The app provides tools for earnings tracking, expense logging, shift scheduling, in-car sales management, and driver productivity.

MoneyDrive is not affiliated with, endorsed by, or officially connected to Uber Technologies Inc. or Bolt Technology OÜ. It is an independent third-party productivity tool for drivers who operate on those platforms.

You acknowledge that you are an independent contractor, not an employee of MoneyDrive, Uber, or Bolt. You are solely responsible for:

• Your compliance with all applicable South African laws and regulations
• Filing and paying your own income tax with SARS
• Maintaining your vehicle, license, insurance, and permits
• Your conduct toward passengers and third parties
• Ensuring all earnings you log are accurate for your own records

Authentication is handled exclusively via Internet Identity, a decentralized, blockchain-based identity protocol on the Internet Computer. We do not collect email addresses or passwords. Your identity is cryptographically secured — you are responsible for maintaining access to your authentication device (phone/hardware key).

If you lose access to your Internet Identity anchor, MoneyDrive cannot recover your account. We strongly recommend registering multiple devices with your Internet Identity anchor.

MoneyDrive offers three subscription tiers:

Subscription fees are charged in South African Rand (ZAR). Prices may change with 30 days' notice. Payments are processed via Stripe.

Subscription payments are processed by Stripe, Inc. on our behalf. By subscribing, you agree to Stripe's terms of service. All amounts are in ZAR unless stated otherwise.

Refunds are governed by our separate Refund & Returns Policy. The 14-day refund window applies to paid subscriptions only.

The ICP Staking section of MoneyDrive is provided for educational purposes only. It helps drivers understand how to acquire and stake ICP tokens on the Internet Computer's Network Nervous System (NNS).

This is NOT investment advice. Cryptocurrency values are highly volatile. Staking involves locking up assets for extended periods with no guaranteed return. Always conduct your own research and consult a qualified financial advisor before making any investment decisions. MoneyDrive is not a registered financial services provider under the Financial Advisory and Intermediary Services Act (FAIS), Act 37 of 2002.

The Passenger QR Menu supports payments in multiple cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), BNB, USDC, Base (BASE), and USDT.

Cryptocurrency volatility warning: Crypto values can change significantly between the time of order and time of receipt. MoneyDrive does not guarantee exchange rates or the value of crypto received. Drivers accept all cryptocurrency payment risk. On-chain transactions are irreversible once confirmed.

The Passenger QR Menu optionally integrates with SnapScan, a South African QR payment service operated by SnapScan (Pty) Ltd. When enabled, passengers can scan a SnapScan QR code to pay the driver directly.

MoneyDrive does not process SnapScan transactions — it only generates the payment QR code. All funds flow directly between the passenger and the driver's SnapScan merchant account. You are responsible for maintaining your SnapScan merchant account in compliance with SnapScan's terms.

Drivers may activate a public QR code menu that allows passengers to browse products and submit payment requests. By enabling this feature, you agree that:

• Your product listings and prices are accurate and comply with all applicable laws
• You are solely responsible for fulfilling orders received via the menu
• You will not list illegal, harmful, or prohibited items
• Passenger data submitted through the menu is handled in accordance with POPIA

MoneyDrive is committed to compliance with the Protection of Personal Information Act (POPIA), Act 4 of 2013. Your personal data — including your display name, earnings records, and trip logs — is stored securely on the Internet Computer blockchain.

We do not sell your personal data to third parties. API keys (ElevenLabs, OpenRouter) entered by administrators are stored encrypted and never exposed to end users or remixers.

You have the right to request access to, correction of, or deletion of your personal data. Contact us through in-app support to exercise these rights.

MoneyDrive is a productivity and tracking tool only. Nothing in this application constitutes financial advice, investment recommendations, or financial intermediary services as defined by the Financial Advisory and Intermediary Services Act (FAIS), Act 37 of 2002.

Drivers remain solely responsible for their own tax obligations, income declarations to SARS, and any financial decisions made using data from this app. Consult a registered financial advisor or tax professional for financial guidance.

As a driver operating on Uber or Bolt, you may be subject to Financial Intelligence Centre Act (FICA) requirements when accepting payments, particularly for high-value cryptocurrency transactions. Drivers are solely responsible for their own FICA compliance obligations.

MoneyDrive does not perform KYC verification on drivers or passengers and does not act as an accountable institution under FICA.

To the maximum extent permitted by South African law, MoneyDrive and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this app, including but not limited to loss of income, data loss, or errors in earnings calculations.

The app is provided "as is" without warranties of any kind. We do not guarantee 100% uptime or error-free operation. Always maintain your own records as a backup.

We reserve the right to update these Terms & Conditions at any time. Material changes will be communicated at least 30 days in advance through in-app notifications. Continued use of MoneyDrive after the effective date of changes constitutes acceptance of the updated terms.

You may stop using MoneyDrive at any time. We reserve the right to suspend or terminate access to accounts that violate these Terms, engage in fraud, or misuse the platform.

Upon termination, your data stored on the Internet Computer blockchain may remain for a period consistent with our data retention policy and blockchain immutability constraints.

These Terms are governed by the laws of the Republic of South Africa. Any disputes shall be resolved in the courts of South Africa.