Introduction

This website is owned and operated by Finwise Lending (Pty) Ltd, a private company registered in the Republic of South Africa (Registration No. [Insert registration number]) (hereinafter referred to as “Finwise”, “we”, “our” or “us”).

Finwise is a registered credit provider under the National Credit Regulator.

You may contact us regarding this website via email at: support@finwiselending.co.za

Finwise provides the content, tools, and services on this website for informational and service delivery purposes, subject to the terms and conditions set out below (the “Terms”). These Terms govern your use of the website located at www.finwiselendingsa.co.za (“the Website”) and form a legally binding agreement between you (the user) and Finwise.

By accessing or using this Website, you agree to these Terms.

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1. Acceptance of Terms

By using this Website, you confirm that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. Finwise may revise these Terms from time to time without notice. The most current version will always be available on our Website.

If you do not accept these Terms, please do not use this Website.

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2. Website Content

While we strive to provide accurate and updated content, Finwise makes no guarantees or warranties, whether express or implied, as to the accuracy, completeness, or reliability of any content on the Website. The information on this Website is intended for general information only and does not constitute financial, legal, or professional advice.

Before making financial or personal decisions, you should consult with a qualified advisor.

Our products and services are governed by South African laws and are available only in jurisdictions where we are authorized to operate.

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3. Eligibility and Use

By using this Website, you warrant that:

• You are at least 18 years old;

• You are legally capable of entering into binding contracts;

• You will not use this Website for any unlawful or prohibited purpose.

You agree to indemnify Finwise from any claims, damages, or liabilities resulting from your breach of these Terms.

This Website is provided for personal, non-commercial use only.

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4. Intellectual Property

All content on the Website, including text, graphics, logos, icons, and images, is the intellectual property of Finwise or licensed to us, and is protected under South African and international copyright laws.

You may download or print content solely for personal use. You may not:

• Reproduce, distribute, or transmit any part of this Website for commercial use;

• Use our trademarks or logos without written permission.

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5. External Links

The Website may include links to third-party websites for your convenience. These links do not imply Finwise's endorsement or responsibility for the content. We are not liable for any loss or damage caused by your use of external websites.

No third party may link to this Website or any part of it without prior written permission from Finwise.

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6. Website Access and Security

Finwise reserves the right to suspend, limit, or terminate access to this Website at any time without notice. We do not warrant that the Website will always be available, uninterrupted, or free from errors or viruses.

Transmission of data via the internet is inherently insecure. Finwise shall not be held liable for any loss, damage, or interception of data during transmission.

 

7. Disclaimers and Limitation of Liability

The Website and its content are provided "as is" and "as available". Finwise makes no warranties, express or implied, including but not limited to:

• The accuracy or reliability of information;

• That the Website will be error-free or free from viruses;

• The availability of the services at all times.

To the fullest extent permitted by law, Finwise disclaims all liability for any loss or damage (including indirect or consequential damages) arising out of your use of the Website or reliance on its content.

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8. No Offer

Nothing on this Website constitutes a binding offer to lend. Any credit application submitted by you will be evaluated in accordance with applicable legislation and Finwise’s internal policies. Acceptance of an application is at Finwise’s sole discretion and subject to a separate agreement.

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9. Compliance with Legislation

You agree not to use the Website or any of its services in contravention of any South African laws, including but not limited to the National Credit Act and data protection legislation.

Finwise reserves the right to take legal action against any individual or entity that engages in unlawful or fraudulent use of the Website.

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10. Privacy

We respect your privacy and refer you to our [Privacy Policy] for details on how we collect, use, and protect your personal information. By using this Website, you consent to such processing and warrant that all data provided by you is accurate.

 

11. Governing Law and Jurisdiction

These Terms are governed by and interpreted in accordance with the laws of the Republic of South Africa. Any disputes arising out of or related to the use of this Website shall be subject to the exclusive jurisdiction of South African courts.