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What are these Terms?

These are the "Terms" that regulate your use of our Website and our relationship with you - typically, you become a user or create a bank account. They create a legally binding contract between us, as soon as they apply.

The essential point of these Terms

At this stage, we have not engaged with you so these terms really emphasize that we have no obligations to you whatsoever, and we will not be liable at all for any liability, damage or loss resulting from your use or inability to use our Website. You should not act in a way that relies on any information found on our Website. You use our Website at your own risk.

Our Website

Our "Website" is found at

When do these Terms apply?

These Terms will apply automatically if you access or use our Website. Don’t use our Website if you don’t absolutely agree to these Terms, as you can only use our Website on these Terms.

Other applicable terms

Yes, there are other terms. Firstly, our privacy policy (found at on our Website). Secondly, there are commercial terms of use (found at on our Website) which apply if you create a bank account (together with the related services and features which come with that) through our Website. If there is a conflict between these Terms and the specific terms, the specific terms will apply.

Changes to our Website and/or these Terms

We have the unfettered right (as far as the law allows) to suspend, change or add to our Website, and to change or add to any of these Terms, at our discretion, and such changes will apply as soon as they are made.

Use of our Website

You may not:

  • distribute any content from our Website without our prior consent. However, you are most welcome to use and distribute information made available at;
  • use any technology, including but not limited to crawlers and spiders to search our Website or obtain information from our Website;
  • frame our Website or any pages;
  • link to our Website in a manner other than through the homepage; or
  • deep-link to any other pages in a way that would suggest that you own the intellectual property that belongs to us.

Intellectual property

All our intellectual property is ours, not yours: this means that you absolutely agree that all right, title and interest in, and to, any of our intellectual property (in its widest possible, legal and commercial sense) viewable and accessible from our Website is proprietary to us, and will remain so. You will not acquire any rights of any nature in respect of that intellectual property by using our Website, services or products.

Law and disputes

These Terms will be governed by and interpreted in terms of South African laws. You consent that the Magistrates' Court will have jurisdiction even if the proceedings are otherwise beyond its jurisdiction.

Getting in touch

Please email us at for any enquiries about our Website.

Legal disclosure

  • Site owner: Root Wealth Pty Ltd (trading as "Root"), registration number 2017/025689/07.
  • Legal status: Root is a private company, duly incorporated in terms of the applicable laws of South Africa.
  • Director(s): Louw Hopley.
  • Description of main business of Root: the provision of a platform which provides users with a bank account and the financial services building blocks with which to program their bank accounts.
  • Email address:
  • Website address:
  • Physical address: Unit 2, Rozenhof Building, 20 Kloof Street, Gardens, Cape Town, 8001.
  • Postal address: PO Box 6226, Welgemoed, Cape Town, 7538.
  • Registered address: Unit 2, Rozenhof Building, 20 Kloof Street, Gardens, Cape Town, 8001.