The PaySick platform, including its source code, database architecture, application assessment technology, user interface, brand identity, and all related documentation, is proprietary and confidential to PaySick South Africa (Pty) Ltd. All rights are reserved.
Your use of the PaySick service is governed by the Terms of Service, which grants you a limited, non-exclusive, non-transferable licence to access the platform for personal use only. No other licence is granted. Copying, reverse-engineering, or distributing any part of this platform without express written permission is strictly prohibited and constitutes an infringement of PaySick's intellectual property rights.
PaySick actively monitors for and pursues legal action against unauthorised use, reproduction, or misappropriation of its technology, algorithms, and brand.
PaySick Proprietary Intellectual Property
The following categories of intellectual property are owned exclusively by PaySick South Africa (Pty) Ltd and protected under the Copyright Act 98 of 1978, the Trade Marks Act 194 of 1993, and applicable common law:
Platform Software & Source Code
All server-side application code, frontend code, database schemas, migration scripts, and deployment configurations constituting the PaySick platform are original literary works protected by the Copyright Act. Unauthorised copying, modification, or distribution is prohibited.
Healthcare Risk Scoring Models & Algorithms
PaySick's proprietary application assessment models, scoring methodology, and decision logic are confidential trade secrets and protected intellectual property. These systems may not be reverse-engineered, disclosed, or used for competitive intelligence purposes.
Brand Identity & Trade Marks
The name "PaySick", the PaySick logo (red medical cross design), the tagline "HEAL NOW, PAY LATER", and all associated brand assets are trade marks of PaySick South Africa (Pty) Ltd. These marks may not be used without express written consent, including in domain names, app names, social media handles, or advertising material.
Database Contents & Compiled Data
The PaySick provider directory, risk model training outputs, and platform analytics constitute a proprietary database protected under South African copyright law. Systematic extraction of this data by any means (automated or manual) is prohibited.
User Interface Design & Visual Assets
All original user interface layouts, iconography, colour systems, typography choices, and visual design elements of the PaySick platform are original artistic works protected by copyright. The PaySick Design System is proprietary and not available for reuse.
Documentation & Written Content
All user-facing text, help content, legal documents, marketing copy, and technical documentation on the PaySick platform is original literary work protected by copyright. Reproduction without permission is prohibited.
SaaS Usage: What You Are Permitted To Do
Your access to the PaySick platform is provided as a Software-as-a-Service (SaaS). You access the functionality of the software over the internet; no software is licensed to you for installation or local execution. Your permitted use is strictly limited to:
- Registering an account and managing your personal profile
- Submitting applications for healthcare payment facilitation
- Viewing the status of your applications and payment plans
- Managing your debit order and banking details
- Accessing your statements and transaction history
Any use beyond this scope, including but not limited to commercial use, reselling access, building competing products, or using our data or algorithms for any purpose, is strictly outside the scope of the licence granted and is prohibited.
Data Privacy in the Context of SaaS Delivery
As a SaaS platform operating in South Africa, PaySick processes your personal information as a Responsible Party under POPIA. Our sub-processors (Vercel, Neon) are engaged as operators in terms of POPIA Section 20 under binding data processing agreements. The personal information you provide is used exclusively to deliver the service described in our Terms of Service. It is not shared with, sold to, or used by any third party for advertising, profiling, or commercial purposes unrelated to your PaySick service.
Full details of our data processing practices are set out in our Privacy Policy.
Third-Party Open Source Components
PaySick's backend is built using the following open source libraries. Their licenses are reproduced below as required.
crypto module used for secure password hashing, AES-256-GCM encryption, and secure random token generation; no external cryptography libraries.Infrastructure Providers
MIT License
Copyright (c) respective package authors and contributors. Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the "Software"), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions: The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software. THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.
BSD 2-Clause License (dotenv)
Copyright (c) dotenv contributors. Redistribution and use in source and binary forms, with or without modification, are permitted provided that the following conditions are met: 1. Redistributions of source code must retain the above copyright notice, this list of conditions and the following disclaimer. 2. Redistributions in binary form must reproduce the above copyright notice, this list of conditions and the following disclaimer in the documentation and/or other materials provided with the distribution. THIS SOFTWARE IS PROVIDED BY THE COPYRIGHT HOLDERS AND CONTRIBUTORS "AS IS" AND ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE ARE DISCLAIMED. IN NO EVENT SHALL THE COPYRIGHT HOLDER OR CONTRIBUTORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES; LOSS OF USE, DATA, OR PROFITS; OR BUSINESS INTERRUPTION) HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY, OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) ARISING IN ANY WAY OUT OF THE USE OF THIS SOFTWARE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.