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Terms of Use

By using this website, you agree to be bound by the Terms of Service set out below. Introduction 1.1.  These are the general terms that regulate the relationship between mobicred and the user of the website. They cover your use of the website and by visiting the website you agree to these terms.  Other specific terms may also apply when you apply to enter into an agreement with us. 1.2.  “We” or “mobicred” or “us” means Mobicred (Pty) Limited and “you” means the user or visitor of the website. A reference to the “terms” means these general terms of use together with the privacy policy. 1.3.  “website” means the website located at www.mobicred.co.za, managed and owned by mobicred. 1.4.  If there is a conflict between these general terms of use and any other specific terms, the specific terms will apply. 1.5.  mobicred is a registered credit provider, registration number NCRCP 6523. 1.6.  If you have any questions or queries regarding these terms or if you wish to request permission to use any part of this website, please contact: [email protected] . Using the website 2.1.  You may only use the website if you have the legal capacity to enter into an agreement with us to use the website. 2.2.  We grant you a limited, revocable licence to use the website, subject to the terms at all times. 2.3.  The information available on our website does not constitute advice and is for information purposes only. Whenever you interact with us, you must provide us complete, accurate and correct information. 2.4.  The following limitations on use apply: 2.4.1.     You may not frame the website or any pages on the website; 2.4.2.     You may not use any technology, including, but not limited to, crawlers and spiders to search the website or obtain information from the website; 2.4.3.     You may only link to the website through the homepage. You may not deep link to any other pages in a way that would suggest that you own the intellectual property that belongs to us. 2.5.  We will make all reasonable efforts to maintain the website, but we reserve the right to modify or withdraw, temporarily or permanently, the website or any part thereof without notice and without incurring any liability to you or any third party. 2.6.  Subject to applicable law, you will not be eligible for any compensation if you are unable to use any part of the website for any reason. 2.7.  We reserve the right to monitor and investigate any reported violation of these terms, and to take any action that we deem appropriate. Amendment of these terms 3.1.  We reserve the right to change, modify, add to or remove portions of these terms from time to time, at our sole discretion. 3.2.  Changes to the terms will become effective as soon as they are posted to this website. 3.3.  If you continue to use of the website after such changes, it will be deemed to indicate that you accept the new terms. 3.4.  It is your responsibility to regularly check the terms posted here to determine whether any such changes have been made. 3.5.  If at any point you do not agree to the terms you must immediately stop using the website. Intellectual property Rights 4.1.  All content on this website, including design, graphics, trademarks, data, software and textual content, remains the property of mobicred or the applicable third party that has licensed mobicred to use their intellectual property, and any copyright infringement will be dealt with under the appropriate law. 4.2.  Unauthorised copying or scraping of any content contained on this website is expressly prohibited. 4.3.  No user may copy, reproduce, distribute, transmit, repost, publish or otherwise transfer or commercially exploit any information, software, code, design or other content accessed through this website. 4.4.  Using any computer programme or routine to extract or attempt to extract any part of the content of the site, including user-generated content, is strictly forbidden. In addition, no user may decompile, reverse engineer, or disassemble any part of the site. Content provided by mobicred 5.1.  We make no warranties or representations with regard to the safety, reliability, accuracy, correctness or completeness of the information provided on the website and you use the website at your own risk. 5.2.  The website is provided “as is” and “as available”. 5.3.  We do not guarantee that the information or content on the website will be error-free or will meet any particular criteria of performance or quality; and we assume no responsibility for any errors or omissions in the content. 5.4.  No information appearing on the website, or linked to from the website, should be seen to constitute professional or financial advice in any way. 5.5.  Subject to applicable law, we will not be liable for any direct, indirect, incidental or consequential damages, including, but not limited to, data loss, lost revenues and lost profit, that may result from using the website. 5.6.  We reserve the right to remove, modify or alter any content on the website, at our sole discretion. 5.7.  We furthermore reserve the right to restrict access to any services, information or applications contained on the website, at our sole discretion. Links to third-party sites 6.1.  In an attempt to provide increased value to our users, we may provide links to third-party websites or resources from time to time. 6.2.  Any links to other websites or resources are provided merely as a convenience, and the inclusion of any such link should not be taken as an endorsement of the website to which it points. 6.3.  We are not responsible for the availability or correct functioning of these third-party or external websites, or resources to which we link. 6.4.  We have no control over the content of such linked pages or sites, and will not be held liable for any damage, loss or inconvenience suffered as a result of using these websites. 6.5.  We will not be party to any transaction or contract that you may enter into with a third party as a result of following such a link, and we will not involve ourselves in any dispute that may arise between you and such a third party. Transmission of information 7.1.  Although we will take every reasonable step to ensure the confidentiality and security of your personal information, we will in no way be held liable for any loss, harm, or damage suffered by you as a result of transmitting sensitive information to us. See our Privacy Policy for more information. Risk and limitation of liability 8.1.  You make use of this website entirely at your own risk. We will not be held liable for any costs, loss of profits, loss of data or consequential losses arising from or relating to the use of, or inability to use, this website. 8.2.  We cannot guarantee that the site will always be fully operational and we do not accept responsibility for any defects that may exist. 8.3.  While we take all reasonable precautions to ensure that any downloads we may make available on the site are virus-free, we cannot warrant that such downloads will be virus-free, and will not be held liable for any losses you may incur as a result of downloading material from the site. 8.4.  Where we are aware of any faults in the website, we will correct the faults as soon as reasonably practical after becoming aware of such faults. 8.5.  You indemnify us against any damage, loss, claim, or liability (who ever resulting) that you or any third party may suffer as a result of your use of the website. Enforcement of these terms 9.1.  We reserve the right to suspend or terminate your access to the website or any part thereof at any time, if we deem your use of the website to be in any way abusive or in breach of these terms. 9.2.  These terms will be governed by and construed in accordance with the laws of South Africa, and any dispute arising from them will fall under the jurisdiction of the South African courts, unless we choose, at our sole discretion, to commence and pursue proceedings in alternative jurisdictions. 9.3.  Any user found to be in violation of this agreement will be held liable for all legal costs incurred by us for any civil action or any legal action deemed necessary against such user on the scale of attorney own client. 9.4.  No indulgence, extension of time, relaxation or latitude granted by mobicred to the user shall constitute a waiver of any of our rights in terms of this agreement. 10.  Electronic Communications and Transactions Act disclosure Our full name and legal status: Mobicred (Pty) Limited t/a mobicred Street address: 14th Floor, 1 Thibault Square, Long Street, Cape Town, South Africa, 8000 Postal address: Same as above Physical address for receipt of legal service: Same as above Main business: Credit Website address: www.mobicred.co.za Official email address: [email protected] Membership of self-regulatory or accreditation bodies: NCR Codes of conduct to which we subscribe: N/A Governing terms of use: These terms and the Credit Agreement Manual in terms of the Promotion of Access to Information Act 2 of 2000: See website Management: Jason Sive Costs associated with the access to and use of the mobicred Website: See Credit Agreement Dispute resolution: See Credit Agreement Cooling off period: Not applicable. Complaints process: See these terms and Credit Agreement.

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