Operator: Coops.Africa is operated by Innovet (Pty) Ltd., a company incorporated under the laws of South Africa.

1. Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree with these Terms, you should not access or use the platform.

2. Platform Description

coops.africa is a digital platform created and operated by Innovet (Pty) Ltd. to:

• Promote the African cooperative movement;
• Enable cooperatives to publish information, advertise products and services, and connect with other cooperatives;
• Offer a listing directory and Co-op Pages;
• Serve as a blogging, news, and event-reporting portal for co-op activity;
• Provide tools and information to empower cooperative development.

3. Marketplace and Co-op Debenture Listings

Co-ops.africa provides a digital marketplace for cooperatives to promote their goods, services, and financial instruments such as Co-op Debentures. All listings and transactions are between the co-op and the user.

Innovet (Pty) Ltd. is not a financial services provider and does not act as an intermediary, broker, or advisor under the Financial Advisory and Intermediary Services Act (FAIS).

Innovet does not endorse or validate the accuracy of investment returns or claims made by cooperatives.

Users engage with cooperatives at their own risk.

4. Limitation of Liability

To the fullest extent allowed by law, Innovet (Pty) Ltd. will not be liable for any loss, damage, or claims (including direct, indirect, special, or consequential damages) resulting from:

• Your use or inability to use coops.africa;
• Transactions between you and any listed cooperative;
• Inaccurate or incomplete information published on the platform;
• Acts or omissions by third parties.
• Nothing in this clause excludes liability for gross negligence, intentional misconduct, or statutory obligations under South African law.

5. Content and Verification

coops.africa publishes content from public sources and user-submitted cooperative information.

While we strive for accuracy, some information may not be independently verified.

Users should exercise due diligence before acting on any content or listings.

6. Privacy and Data Protection

We respect your privacy and handle personal data in accordance with the Protection of Personal Information Act (POPIA).

By using the site, you consent to our data collection and processing practices.

For more information, please review our Privacy Policy.

7. Intellectual Property

All platform code, designs, branding, and proprietary content belong to Innovet (Pty) Ltd.
You may not reproduce, reverse engineer, or use any part of the site except as intended.

8. User Conduct

You agree not to:

• Use the platform for unlawful, fraudulent, or misleading activities;
• Upload content that is defamatory, obscene, or infringing on others’ rights;
• Interfere with platform operations, including hacking or data mining.

9. Modifications to Terms

We may update these terms at any time. Continued use of the platform after changes constitutes your acceptance.

10. Governing Law and Jurisdiction

These Terms are governed by the laws of the Republic of South Africa.
Disputes arising from these Terms will be subject to the jurisdiction of the High Court of South Africa.