Terms and Conditions

1. Introduction

These Terms and Conditions together with the Privacy Policy (“Our Policies”) govern your relationship with Credit Home (Pty) Ltd and the basis upon which you may make use of our website credithome.co.za or service offerings/products , whether as a visitor, user or registered client. You are required to read Our Policies carefully.  Your access to and use of our website is conditioned on your acceptance of and compliance with Our Policies.  Our Policies apply to all visitors, users or registered clients. By using our website, you irrevocably agree to and accept Our Policies. If you do not agree to Our Policies, please refrain from using our Website and/or any of our service offerings/products listed in clause 4 below.

Please take a moment to read our important terms and conditions.

2. Service Terms

2.1     The terms and conditions mentioned herein shall apply should you (the user/client) enter into an agreement with Credit Home (Pty) Ltd, in respect of any of our service offerings/products referred to in clause 4 below.

2.2     These terms apply to our website (credithome.co.za), telephonic and any alternative interaction (WhatsApp) applications we utilize in respect of our service offerings/products referred to in clause 4 below.

2.4     You (the user/client) hereby furthermore confirm that you have voluntarily submitted the application for our offerings/products referred to in clause 4, under no force or duress and at your own free will.

2.5     You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms, and that they comply with them.

2.6     If you wish to make use of any of our service offerings/products through this website, you may be asked to supply information relevant thereto including, without limitation, your identity number, your banking details, your physical address, employment details.

2.7     You represent and warrant that: (i) you have the legal right to use the bank account(s) or other payment method(s) in connection with our offering/products; and that (ii) the information you supply to us is true, correct and complete.  By submitting your information, you grant us the right to provide the information to third parties for purposes of facilitating the completion of our service/product to you.

3. Terms & Conditions in respect of our service offerings/products

All terms & conditions relating to any of our service offerings and or products are contained in such offerings/products.

4. Service Offerings/Products

4.1   The services/products we offer are the following:

• Short Term Loans whereby the loan repayment term is less than 6 months and the maximum loan amount is less than R8000;
• Access to other financial products, including, but not limited to funeral policies and credit life insurance

5. Reliance on information & content of the website

5.1     Commentary and other materials posted on our website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our website, or by anyone who may be informed of any of its contents.

5.2     We make every effort to regularly update the information provided on the website, however we make no representation or warranties, whether express or implied to the extent permitted by law, as to the accuracy, completeness or reliability of any information, data and/or content on our website.

5.3     It’s at the sole discretion of Credit Home (Pty) Ltd to amend Our Policies from time to time, such updated Policies will be made available on our website.

• Credit Home (Pty) Ltd encourages users and clients to report to us any untrue, inaccurate, defamatory, illegal, infringing and/or harmful content contained on the website. Upon receipt of reasonable proof from a user of the alleged nature of the content, Credit Home (Pty) Ltd undertakes to correct and/or remove such content.

• Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. If you use these links, you will leave our website. Credit Home (Pty) Ltd has not reviewed these third-party websites and we have no control over the contents of those websites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

• Credit Home (Pty) Ltd does not endorse or make any warranties or representations about the other websites, or any information, software or other products or materials found there, or any results that may be obtained from using them. If you decide to access any of the third-party websites linked to our Website, you do this entirely at your own risk.

6. Limitation of Liability

6.1     In no event shall Credit Home (Pty) Ltd, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the service/products; (ii) any conduct or content of any third party on the service/products; (iii) any content obtained from the website or service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

• Your use of the website and our service is at your sole risk. The service is provided on an “AS IS” and “AS AVAILABLE” basis. The service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

• Credit Home (Pty) Ltd, its subsidiaries, partners, affiliates, and its licensors do not warrant that a) the website and/or service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the website and/or service is free of viruses or other harmful components; or d) the results of using the service will meet your requirements.

7. Governing Law

• Our Policies shall be governed and construed in accordance with the laws of South Africa, without regard to conflict of law provisions (laws of South Africa will prevail irrespective of the user/client accessing the website outside of South Africa).

• Our failure to enforce any right or provision of Our Policies will not be considered a waiver of those rights. If any provision contained in Our Policies is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect.

• We fully subscribe to the consumer protection legislation in South Africa, all provisions in Our Policies are in line with such legislation.

• These terms & conditions are governed by and construed in accordance with the law of the Republic of South Africa.

8. Intellectual Property

The website and service offerings/products and its original content, features and functionality are and will remain the exclusive property of Credit Home (Pty) Ltd, and/or its partners and/or its affiliates and/or its licensors, where applicable. The website and service offerings/products are protected by copyright, trademark, and other laws of South Africa and foreign countries. Unauthorised use, reproduction, dissemination, copying, modification and/or distribution is strictly prohibited and constitutes an infringement of Credit Home (Pty) Ltd intellectual property rights.

Contact Us

If you have any questions about Our Policies, please contact us.