TERMS AND CONDITIONS OF USE
ALL-IN-1 EMERGENCY (PTY) LTD
e-Panic Platform and MyAllIn1 Emergency Wallet
Last updated: 19/08/2026 | Version 001
PREAMBLE
These Terms and Conditions (“Terms”) constitute a binding agreement between All-In-1 Emergency One Emergency Services (Pty) Ltd, a private company duly incorporated in accordance with the company laws of the Republic of South Africa, registration number 2010/022369/07, with its registered address at Gateway St, Klipriviersoog, Soweto, 1811, Soweto, Gauteng, South Africa (“All-In-1 Emergency”, “the Company”, “we”, “us” or “our”), and any person who accesses, registers on, or uses the e-Panic mobile application, associated website, call centre, or control room services, or who holds or funds a MyAllIn1 Emergency Wallet (“User”, “you” or “your”).
By creating an account, accessing the Platform, or effecting any payment through the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree to be bound by these Terms, you must refrain from accessing or using the Platform in any manner.
1. INTERPRETATION AND DEFINITIONS
1.1 In these Terms, unless the context clearly indicates otherwise, the following words and expressions shall bear the meanings assigned to them below, and cognate expressions shall bear corresponding meanings:
1.1.1 “Acquiring Bank” means the South African registered bank(s) that, together with PayGate, process card-based transactions concluded on the Platform;
1.1.2 “CPA” means the Consumer Protection Act 68 of 2008, together with its regulations, as amended from time to time;
1.1.3 “ECTA” means the Electronic Communications and Transactions Act 25 of 2002, as amended from time to time;
1.1.4 “FICA” means the Financial Intelligence Centre Act 38 of 2001, as amended from time to time;
1.1.5 “PASA” means the Payments Association of South Africa;
1.1.6 “PayGate” means PayGate (Pty) Ltd, the independent, PCI-DSS compliant payment gateway service provider engaged by the Company to process card transactions on the Platform, acting as an intermediary between the User, the Acquiring Bank, and the Company;
1.1.7 “Platform” means, collectively, the e-Panic mobile application, the e-Panic website, the Company’s 24-hour call centre and control room dispatch services, and the MyAllIn1 Emergency Wallet;
1.1.8 “POPIA” means the Protection of Personal Information Act 4 of 2013, as amended from time to time, together with any regulations, codes of conduct, or guidance notes issued by the Information Regulator (South Africa);
1.1.9 “SARB” means the South African Reserve Bank;
1.1.10 “Services” means the emergency and roadside assistance dispatch, facilitation, and related services made available through the Platform, whether procured on a Cash Basis or a Subscription Basis, as more fully described in clause 3;
1.1.11 “Service Provider” means an independent, third-party provider of emergency, medical, security, towing, or roadside assistance services who has been vetted and contracted by the Company to respond to service requests originating from the Platform;
1.1.12 “Wallet” means the MyAllIn1 Emergency Wallet, being the in-app stored-value and payment-management facility described in clause 4;
1.1.13 “ZAR” means South African Rand, the lawful currency of the Republic of South Africa.
1.2 Headings in these Terms are for convenience only and shall not be used in their interpretation.
1.3 Words importing the singular include the plural and vice versa; words importing natural persons include juristic persons and vice versa; and references to “clause” or “clauses” refer to clauses of these Terms unless stated otherwise.
1.4 Where any term is defined within a particular clause, that term shall bear the meaning ascribed to it in that clause wherever it appears in these Terms.
1.5 Any reference to a statute includes that statute as amended, re-enacted, or replaced from time to time, and any subordinate legislation, regulations, or codes of conduct issued under it.
2. ACCEPTANCE, ELIGIBILITY, AND GOVERNING FRAMEWORK
2.1 By registering for or using the Platform, you represent and warrant that you are at least 18 (eighteen) years of age, alternatively that you access the Platform with the consent of, or under the supervision of, a parent or legal guardian who accepts these Terms on your behalf, and that you have the legal capacity to enter into a binding agreement under South African law.
2.2 These Terms, together with the Company’s Privacy Policy and any Subscription-specific or promotional terms incorporated herein by reference, constitute the entire agreement between you and the Company regarding your use of the Platform, and supersede any prior representations, understandings, or agreements, whether written or oral, save to the extent that any such representation constitutes a fraudulent misrepresentation.
2.3 These Terms are governed by, and shall be interpreted in accordance with, the laws of the Republic of South Africa, including without limitation the ECTA, the CPA, POPIA, FICA, the National Payment System Act 78 of 1998, and applicable rules and directives of PASA and the SARB.
2.4 Where you access or use the Platform from outside the Republic of South Africa, you do so on your own initiative and remain responsible for compliance with any local laws to the extent such laws are applicable, without derogating from the exclusive application of South African law to the substance of the agreement recorded in these Terms.
3. DESCRIPTION OF SERVICES
3.1 The Company operates a platform connecting Users to a vetted network of independent Service Providers across Greater Gauteng, dispatched via the e-Panic application and the Company’s 24-hour call centre and control room.
3.2 Services are made available to Users on one of two bases, both of which are funded and settled through the Wallet:
3.2.1 Cash Basis — on-demand, pay-as-you-go Services, charged at the point of dispatch and settled against available Wallet funds; and
3.2.2 Subscription Basis — Services procured under a recurring subscription plan, the terms of which are set out in clause 6.
3.3 The Company acts as an intermediary and facilitator connecting Users with independent Service Providers. For the avoidance of doubt, and save as set out in clause 3.4, the Company does not itself render medical, security, towing, roadside, or other emergency response services. Such services are rendered by Service Providers operating as independent contractors, and not as employees, agents, or representatives of the Company.
3.4 Notwithstanding clause 3.3, the Company remains responsible, in accordance with clause 5.6, for all aspects of a transaction concluded through the Platform, including the coordination of Service Provider dispatch, customer service, dispute resolution, and confirmation of service delivery.
3.5 While the Company takes reasonable steps to vet, monitor, and manage the performance of Service Providers, the Company does not warrant or guarantee any specific response time, availability, or outcome, given the inherent variability of emergency response circumstances, including but not limited to traffic conditions, geographic accessibility, load-shedding, and third-party conduct beyond the Company’s reasonable control.
4. THE MYALLIN1 EMERGENCY WALLET
4.1 The Wallet is an in-application stored-value and payment-management facility that enables Users to fund Cash Basis Services and to manage payment for Subscription Basis Services.
4.2 All monetary transactions in respect of the Wallet, including the loading of funds and the processing of subscription debits, are processed by PayGate as the Company’s appointed payment gateway service provider, further described in clause 5.
4.3 A Wallet balance represents value held for the sole purpose of procuring Services on the Platform. For the avoidance of doubt, a Wallet balance:
4.3.1 does not constitute a deposit for purposes of the Banks Act 94 of 1990;
4.3.2 does not accrue interest in favour of the User;
4.3.3 is not transferable, cedable, or assignable to any third party save with the Company’s prior written consent; and
4.3.4 remains subject to the refund provisions of clause 9.
4.4 The Company reserves the right to suspend or limit Wallet functionality where required to comply with FICA, to prevent fraud, or pending satisfactory completion of identity verification in accordance with clause 7.
5. PAYMENT PROCESSING, SECURITY, AND MERCHANT DISCLOSURES
5.1 Payment Gateway. Card-based transactions concluded on the Platform are acquired and processed via PayGate, the approved payment gateway engaged by South African Acquiring Banks for this purpose.
5.2 Encryption and Data Security. PayGate employs industry-standard transport-layer encryption protocols to protect card data submitted through the Platform. The Company does not capture, transmit through its own servers, or store any User’s card number, expiry date, or CVV. All such data is entered directly into PayGate’s secure, PCI-DSS compliant payment interface. Users may consult PayGate’s security certificate and security policy at www.paygate.co.za.
5.3 PCI-DSS Compliance. PayGate’s payment processing environment is compliant with the Payment Card Industry Data Security Standard (PCI-DSS). The Company relies on PayGate’s compliant environment and does not itself retain cardholder data.
5.4 Segregation of Account and Card Data. User account information (including name, contact details, physical address, and service history) is retained by the Company separately from, and independently of, card data, which is held exclusively within PayGate’s secure environment.
5.5 Merchant Outlet Country and Settlement Currency. For the purposes of card scheme disclosure, the merchant outlet country presented to the cardholder at the point of payment is the Republic of South Africa, and all transactions are processed and settled in ZAR.
5.6 Allocation of Responsibility. As between the Company and the User, the Company accepts responsibility for all aspects of a transaction concluded on the Platform, including: (a) the facilitation and coordination of the Service purchased; (b) customer service and query resolution; (c) the handling of disputes, including chargebacks initiated through PayGate or the relevant Acquiring Bank; and (d) confirmation of Service delivery to the User.
5.7 No Warranty over Third-Party Processing Systems. Notwithstanding clause 5.6, the Company shall not be liable for any failure, interruption, delay, or error attributable to PayGate’s systems, the Acquiring Bank’s systems, or any other third-party payment infrastructure beyond the Company’s reasonable control, save to the extent such liability cannot lawfully be excluded.
6. SUBSCRIPTION SERVICES AND RECURRING BILLING
6.1 Subscription plans, associated pricing, included benefits, and billing cycles are disclosed to the User on the Platform prior to enrolment, in accordance with the disclosure obligations set out in section 22 of the ECTA and the applicable provisions of the CPA.
6.2 By enrolling in a Subscription, the User authorises the Company, acting through PayGate, to process recurring debits against the User’s designated payment method or Wallet balance in accordance with the selected billing cycle, until such time as the Subscription is cancelled in accordance with clause 6.4 or suspended in accordance with clause 6.5.
6.3 The Company may amend Subscription pricing or included benefits from time to time, provided that reasonable prior written notice is given to affected Users, and provided further that no such amendment shall apply retrospectively to amounts already debited.
6.4 A User may cancel a month-to-month Subscription at any time, with such cancellation taking effect at the end of the then-current billing cycle. Where a Subscription is concluded for a fixed term, cancellation prior to expiry of that term shall be subject to any reasonable cancellation terms disclosed to the User at the time of enrolment, in accordance with section 14 of the CPA.
6.5 Where a recurring debit fails due to insufficient Wallet funds or an invalid payment method, the Company may suspend the User’s Subscription benefits until such time as payment is successfully processed, and shall provide reasonable notice to the User prior to such suspension where practicable.
7. IDENTITY VERIFICATION AND FICA COMPLIANCE
7.1 In order to comply with its obligations under FICA and applicable anti-money laundering and counter-terrorist financing legislation, the Company and/or PayGate may require Users to provide identity verification documentation, particularly in respect of higher-value transactions or Wallet top-ups.
7.2 The Company reserves the right to suspend Wallet functionality, decline a transaction, or terminate a User’s access to the Platform pending the satisfactory completion of identity verification, and shall not be liable for any loss or inconvenience arising from such suspension where reasonably necessitated by regulatory compliance.
8. CONSUMER RIGHTS UNDER THE CONSUMER PROTECTION ACT
8.1 Nothing in these Terms is intended to limit, exclude, or otherwise derogate from any right afforded to a User under the CPA that cannot lawfully be limited, excluded, or waived.
8.2 In accordance with section 54 of the CPA, Users are entitled to receive Services of a quality that persons are generally entitled to expect, performed with reasonable care and skill.
8.3 In accordance with section 22 of the CPA, Users are entitled to receive information in plain and understandable language reasonably necessary to enable informed use of the Platform.
8.4 Where the CPA’s provisions regarding direct marketing, cancellation, or cooling-off apply to a transaction concluded via the Platform, Users may exercise such rights strictly in accordance with the Act, provided that the Company reserves such rights as the CPA affords a supplier in respect of Services already rendered prior to cancellation.
8.5 Unresolved complaints may, following exhaustion of the Company’s internal dispute resolution process set out in clause 13, be referred to the National Consumer Commission or an applicable accredited industry ombud.
9. CANCELLATIONS AND REFUNDS
9.1 Cash Basis Services. Where a service request has already been dispatched to a Service Provider, cancellation by the User may attract a call-out or cancellation fee, which shall be disclosed to the User prior to confirmation of the request.
9.2 Subscription Basis Services. Refunds of Subscription fees already debited shall be provided only where required under the CPA or at the Company’s sole discretion, and shall not extend to the portion of a billing cycle during which the Platform remained accessible to the User.
9.3 Wallet Balances. Unused Wallet balances may be refunded to the User on written request, subject to the deduction of any processing fees levied by PayGate or the Acquiring Bank, and subject to the User first satisfactorily completing any identity verification required under clause 7.
9.4 All refunds shall be processed to the original payment method via PayGate, and the timing of settlement shall be subject to the processing schedules of PayGate and the relevant Acquiring Bank, over which the Company exercises no direct control.
10. PROTECTION OF PERSONAL INFORMATION
10.1 The Company processes personal information, including location data reasonably necessary for emergency dispatch, in accordance with POPIA and the Company’s Privacy Policy, available at https://www.allin1emergency.co.za/ , which is incorporated herein by reference.
10.2 The Company processes personal information for the purposes of: providing and administering the Platform; processing payments; verifying identity where required by FICA; communicating with Users regarding their account, Subscription, or service requests; and complying with applicable legal obligations. Processing is undertaken on the lawful bases recognised under section 11 of POPIA, including the User’s consent, necessity for the performance of these Terms, and compliance with the Company’s legal obligations.
10.3 Card and payment information submitted through the Platform is processed by PayGate under its own POPIA-compliant privacy and security framework. The Company does not have access to a User’s full card details.
10.4 In accordance with Chapter 5 of POPIA, Users, as data subjects, have the right to be notified that personal information is being collected, to access personal information held about them, to request correction or deletion of such information, and to object to processing in specified circumstances, subject always to the Company’s lawful retention obligations, including those arising under FICA.
10.5 Enquiries or complaints regarding the processing of personal information may be directed to the Company’s Information Officer at [Information Officer contact details], or, where unresolved, to the Information Regulator (South Africa).
11. LIMITATION OF LIABILITY AND INDEMNITY
11.1 To the maximum extent permitted by South African law, the Company’s aggregate liability to a User arising out of or in connection with these Terms, whether in contract, delict, or otherwise, shall be limited to direct damages actually suffered, and shall in no event extend to indirect, special, punitive, or consequential loss, including loss of profit or loss of data, save to the extent that such exclusion is not permitted under the CPA or other applicable law.
11.2 The Company shall not be liable for the acts, omissions, negligence, or misconduct of any Service Provider, save to the extent arising from the Company’s own failure to exercise reasonable care in the vetting, contracting, or dispatch of that Service Provider.
11.3 Each User indemnifies and holds the Company harmless against any claim, loss, or damage arising from that User’s breach of these Terms, misuse of the Platform, or provision of false or misleading information, save to the extent such claim, loss, or damage arises from the Company’s own negligence or wilful misconduct.
11.4 Nothing in this clause 11 shall be construed as excluding or limiting any liability that may not lawfully be excluded or limited under South African law, including liability for death or personal injury caused by the Company’s gross negligence, fraud, or wilful misconduct.
12. GOVERNING LAW AND JURISDICTION
12.1 These Terms are governed by, and shall be construed and interpreted in accordance with, the laws of the Republic of South Africa.
12.2 Subject to clause 8.5, the parties consent to the non-exclusive jurisdiction of the Magistrate’s Court in respect of any dispute arising from these Terms, without prejudice to either party’s right to approach the High Court of South Africa in respect of any matter falling outside the jurisdiction of the Magistrate’s Court.
13. QUERIES AND DISPUTE RESOLUTION
13.1 Any query, complaint, or dispute regarding payments, Subscriptions, or Wallet transactions should in the first instance be directed to:
All-In-1 Emergency (Pty) Ltd
Email: support@allin1emergency.co.za
24-Hour Call Centre: 0860 255 461
Registered Address: 147 Gateway St, Klipriviersoog, Soweto, 1811
13.2 Payment-specific queries may additionally be directed to PayGate’s support channels via www.paygate.co.za.
13.3 The Company shall use reasonable endeavours to acknowledge and resolve complaints within a reasonable time, and in any event within the timeframes prescribed by the CPA where applicable.
14. GENERAL PROVISIONS
14.1 Amendment. The Company may amend these Terms from time to time to reflect changes to the Services, payment processing arrangements, or applicable law. Material amendments shall be communicated to registered Users via the Platform or by email, and the “Last updated” date shall be revised accordingly. Continued use of the Platform following such amendment constitutes acceptance of the amended Terms.
14.2 Severability. Should any provision of these Terms be found by a competent court or tribunal to be invalid, unlawful, or unenforceable, such provision shall be severed from the remainder of these Terms, which shall continue in full force and effect as if the invalid provision had not been included.
14.3 No Waiver. No failure or delay by the Company in exercising any right under these Terms shall operate as a waiver of that right, nor shall any single or partial exercise of a right preclude any other or further exercise of that or any other right.
14.4 Cession and Assignment. A User may not cede, assign, or otherwise transfer any right or obligation under these Terms without the Company’s prior written consent. The Company may cede, assign, or transfer its rights and obligations under these Terms, including to a successor in the course of a merger, acquisition, or corporate restructuring, provided that the User’s rights hereunder are not materially prejudiced thereby.
14.5 Force Majeure. Neither party shall be liable for any failure or delay in performance under these Terms resulting from circumstances beyond that party’s reasonable control, including but not limited to load shedding, network or infrastructure failure, natural disaster, civil unrest, or governmental action.
14.6 Notices. Any notice required or permitted to be given under these Terms shall be given in writing to the contact details provided in clause 13, and shall be deemed received, in the case of email, on the first business day following transmission, absent evidence of non-delivery.
14.7 Survival. Clauses 10 (Protection of Personal Information), 11 (Limitation of Liability and Indemnity), and 12 (Governing Law and Jurisdiction) shall survive termination of a User’s access to the Platform.