iKofi Terms of Service
Creator Tipping Platform · South African Law
Last updated: June 2026
1. About iKofi
iKofi is a South African creator tipping platform operated by Anthony Thomas Flanigan t/a iKofi, House 4, Farm C11, Wansley, East London, 5201 (referred to in these terms as "iKofi", "we", or "us").
iKofi allows fans to send tips to creators they support. iKofi is not a content hosting platform. We do not publish, store, or moderate creator content.
By using iKofi — whether as a creator or a tipper — you agree to these terms.
2. Definitions
- Creator — a person registered on iKofi to receive tips from supporters
- Tipper — a person who sends a tip to a creator via iKofi
- Platform — the iKofi website and associated services
- Paystack — the third-party payment processor used by iKofi to process all transactions
3. Creator Accounts
3.1 Eligibility
To register as a creator you must:
- Be 18 years of age or older
- Be a South African resident
- Hold a valid South African bank account
- Agree to these Terms of Service and the iKofi Creator Eligibility & Trust and Safety Policy
3.2 Registration
At registration you are required to provide your name, email address, a profile photo or brand identifier, a link to your main online platform, and proof of identity and bank account for verification purposes. Verification documents are deleted upon approval. Only a confirmation flag is retained.
3.3 Your Responsibilities
You are solely responsible for your content and your conduct on any platform, online or otherwise. You warrant that you are eligible under the Creator Eligibility & Trust and Safety Policy and that you will remain so for the duration of your account.
3.4 Account Closure
Account closure for cause: iKofi reserves the right to close any creator account at any time where we determine, in our sole discretion, that the creator is ineligible under our Trust and Safety Policy. Funds held pending disbursement at the time of closure for cause are forfeited. There is no appeal against closure for Trust and Safety violations.
4. Absolute Prohibition on Begging
iKofi does not, will not, and will never support or endorse begging. The iKofi name, platform, brand and community will never be associated with begging — in any form, on any surface, for any reason.
iKofi exists to reward value exchanged: craft, skill, art, performance, product, service or content. It is a payment rail for things people make and do — not a channel for soliciting charity, alms, personal donations, or handouts. Anyone seeking money for nothing in return has come to the wrong platform.
4.1 What is strictly prohibited
- Using your profile, bio, handle, tip page, marketing pack, media gallery or any other part of iKofi to plead for personal financial help of any kind — including but not limited to rent, school fees, food, medical bills, debt, transport, or "anything helps" appeals.
- Accepting tips where no product, craft, performance, content, service or other value is genuinely being offered in return.
- Presenting yourself on the platform as a person in need rather than as a creator, maker or trader.
- Coordinating with others to report-beg or otherwise game enforcement.
- Any wording, image or request that is functionally equivalent to begging, regardless of the label applied to it.
4.2 Enforcement — no warnings, no exceptions
A user reported to be using iKofi for begging will be deleted from the platform and permanently banned — with no warning, no notice period, and no second chance.
- Immediate deletion. Your account, profile, page, handle, media and all associated content are removed.
- Permanent ban. You may not return to iKofi under any identity, email address, handle or business. Creating a new account to evade a ban is itself a ban-worthy offence.
- Forfeiture. Funds held pending disbursement at the time of deletion are forfeited in full.
- No appeal. Decisions taken under this clause are final. There is no right of reply, no review, and no reinstatement.
- Reporting is confidential. The identity of a reporter is never disclosed. Reports are assessed on evidence and iKofi's determination is conclusive.
By registering as a creator you expressly acknowledge this clause and agree to be bound by it.
5. Payments and Fees
5.1 How Payments Work
All tips are processed by Paystack. iKofi does not handle, hold, or have access to tipper payment details. Creators receive funds via their Paystack subaccount, paid directly to their bank account.
5.2 Platform Fee
iKofi retains 5% of each tip as a platform fee. The remaining 95% is disbursed to the creator's subaccount.
5.3 Paystack Fees
Paystack's own transaction fees apply and are separate from iKofi's platform fee. Creators are responsible for understanding Paystack's fee structure.
5.4 Refunds
Tips are voluntary and non-refundable. iKofi does not process refunds. Any payment disputes must be directed to Paystack.
5.5 Taxes
Creators are solely responsible for declaring and paying any taxes applicable to income received via iKofi under South African law.
6. Tippers
Tipping on iKofi requires no registration. By submitting a tip you confirm that you are authorised to use the payment method provided and that you understand tips are voluntary and non-refundable.
iKofi does not collect or store any personal information from tippers. Payment processing is handled entirely by Paystack.
7. Intellectual Property
Creators retain full ownership of their content wherever it is published. By registering on iKofi you grant iKofi a limited, non-exclusive licence to display your profile name, handle, photo, and bio on the platform for the purpose of operating your creator page.
8. Limitation of Liability
iKofi is a platform intermediary. We are not responsible for:
- The content creators publish on any platform
- The accuracy of any claims made by creators
- Any loss suffered by a tipper as a result of tipping a creator
- Any interruption to the platform caused by third-party services including Paystack
- Any indirect, consequential, or special loss arising from use of the platform
Liability cap: To the maximum extent permitted by South African law, iKofi's total liability to any party is limited to the platform fees collected from that party in the 30 days preceding the claim.
9. Privacy
iKofi collects and processes personal information in accordance with our Privacy Policy. We comply with the Protection of Personal Information Act 4 of 2013 (POPIA).
10. Disputes
These terms are governed by the laws of the Republic of South Africa. Any dispute arising from these terms or your use of the platform will be subject to the jurisdiction of the South African courts.
We encourage you to contact us at ikofi@beachy.co.za before pursuing formal action. Most issues can be resolved directly.
11. Changes to These Terms
We may update these terms from time to time. Material changes will be communicated to registered creators by email. Continued use of the platform after notification constitutes acceptance of the updated terms. The current version of these terms is always available on this page.
12. Contact
Contact: ikofi@beachy.co.za
iKofi Terms of Service · Version 1.0 · June 2026 · Governed by South African law