Legal & policies
Everything that governs how Snokonoko works, in plain language. Snokonoko is a product of SS Group (Pty) Ltd, a company incorporated in the Republic of South Africa.
Terms & Conditions
The agreement between you and SS Group (Pty) Ltd for using Snokonoko — what the platform does, what it does not do, and what each party owes.
Effective August 2026
Privacy Policy
What personal information we collect, why we process it, who we share it with, and the rights you have under POPIA.
Effective 1 August 2026
Pricing Structure & Administration Fee Policy
The 10% administration fee, worked examples, and when it is disclosed.
Effective 1 August 2026
Acceptable Use Policy
Permitted and prohibited use of the platform, and how we enforce it.
Effective 1 August 2026
Know Your Customer (KYC) Policy
How we verify identity, what we may ask for, and when we may refuse or suspend an account.
Effective 1 August 2026
Refund & Dispute Policy
How to raise a payment dispute, when a refund is considered, how chargebacks and fraud are handled, and how a complaint is escalated.
Effective August 2026
Snokonoko does not lend money
We are not a bank, not a lender and not a registered credit provider. Loans on Snokonoko are made by one person to another person they already know, using their own money. We provide the platform that records the agreement and moves the repayments — see Terms & Conditions §2.
Signed copies of record are held by SS Group (Pty) Ltd and are available on request at info@snokonoko.co.za.