ZuluRewards Programme Terms

1.What ZuluRewards are

1.1 ZuluRewards ("ZULU") is a loyalty balance operated by JustBull Group (Pty) Ltd ("JustBull") for its customers.

1.2 A ZuluRewards balance is held in your wallet on the JustBull CRM. It is a record of loyalty credit. It is not money, not a deposit, and not a claim on JustBull for cash.

1.3 ZuluRewards have no cash value. They cannot be exchanged for money, refunded, or transferred to another customer or account.

1.4 JustBull does not represent that ZULU has, or will have, any monetary value. Nothing in this programme is an offer of an investment or financial product, and nothing JustBull says about ZuluRewards is financial advice.

2.How you earn ZuluRewards

2.1 Active customers earn ZuluRewards at a rate of 3 ZULU for every R100 of qualifying spend in a calendar year (1 January – 31 December).

2.2 Qualifying spend means the net value of invoices issued in South African Rand that you have paid during that year, after discounts and credit notes and excluding tax. Unpaid, overdue, cancelled and draft invoices do not qualify.

2.3 Earned ZuluRewards are credited to your CRM wallet once a year, on 25 December.

2.4 The rand value of your spend is used only to calculate the number of ZuluRewards credited. There is no exchange rate between ZULU and the rand, and the credit is not a rand-denominated amount.

2.5 The minimum annual allocation is 10 ZULU. Where your calculated allocation is greater than zero but below 10 ZULU, it is rounded up to 10 ZULU.

2.6 Where a company has more than one contact, ZuluRewards are calculated on the company total qualifying spend and credited once, to the primary contact wallet.

2.7 Only customers whose accounts are active on the funding date earn ZuluRewards.

3.How you use ZuluRewards

3.1 ZuluRewards may be used to purchase JustBull products and services that are priced in ZULU. They cannot be applied to invoices denominated in rand or any other currency.

3.2 Customers cannot add to their own CRM wallet balance. Wallets are credited by JustBull only.

3.3 JustBull decides which products and services are priced in ZULU, and may change that range at any time.

4.Annual expiry — 30 November

4.1 Your ZuluRewards balance expires every year on 30 November.

4.2 On that date:

4.3 Balances are not carried over from one year to the next. Any balance not spent or withdrawn by the deadline is dealt with under clause 4.2 and does not roll forward.

4.4 A forfeited balance cannot be reinstated.

4.5 A valid Xaman wallet address is an XRP Ledger account address, beginning with r, recorded on your customer profile, with a ZULU trustline open and able to receive ZULU.

5.Your wallet address is your responsibility

5.1 You provide your own Xaman wallet address. Only the primary contact on an account may set or change it through the customer portal.

5.2 The address field is locked from 16 November to 7 December each year while the withdrawal is processed. Changes during that period must be arranged with JustBull directly.

5.3 JustBull emails the contact on file whenever the address changes. If you receive such an email and did not make the change, contact JustBull immediately.

5.5 JustBull validates the format of an address. JustBull cannot verify that an address belongs to you. Only you can.

6.Self-custody

6.1 Once ZULU is sent to your own wallet, you hold it and JustBull has no access to it. JustBull cannot see, freeze, move, reverse or recover it.

6.2 You are solely responsible for your wallet secret numbers. If you lose them, your ZULU is permanently lost. JustBull cannot recover them and will never ask you for them.

6.3 JustBull does not sell XRP, does not set up wallets on customers behalf, and does not take custody of customer funds at any time. Any exchange, wallet or third-party service you use is your own arrangement with that provider.

6.4 ZULU sent to your own wallet cannot be returned to your CRM wallet. The CRM wallet only holds balances credited by JustBull.

7.Accounts and eligibility

7.1 Only active JustBull customers participate. JustBull determines account status.

7.2 A customer record with no contact cannot be credited and is excluded.

7.3 JustBull may exclude any customer from the programme, or reverse a credit made in error, at its discretion.

8.Changes to the programme

8.1 JustBull may change these terms, the earn rate, the qualifying criteria, the range of ZULU-priced products, or the programme dates, at any time.

8.2 Material changes will be published on this page and notified to participating customers by email.

8.3 JustBull may suspend or end the ZuluRewards programme entirely. If it does, JustBull will give customers reasonable notice and an opportunity to use or withdraw their balance before the programme closes.

9.General

9.1 These terms are governed by the laws of the Republic of South Africa.

9.2 Nothing in these terms limits any right you have under the Consumer Protection Act 68 of 2008 that cannot lawfully be limited.

9.3 If any clause is found unenforceable, the rest continue to apply.