This is the website of TrueCred (Pty) Limited, (TrueCred, us, our, we"), a private company registered in the Republic of South Africa.
TrueCred is a registered credit provider.
You can contact us regarding this website by email, at [email protected]
TrueCred provides the information contained in this website and the pages comprising the website, and advertises and offers the services advertised on this website from time to time ("service/s") to users ("you"), subject to the terms and conditions set out herein ("the terms").
Definitions and Interpretation.
For purposes of the Terms:
“TrueCred” means TrueCred (Pty) Ltd;
“Visitor” or “you” means any person who visits this web site.
About TrueCred. This web site is owned, managed, and administered by TrueCred. TrueCred is fully compliant with the credit legislative requirements of South Africa and promotes responsible lending. TrueCred also strives to provide superior administration and management of client accounts.
Use of the site. License to use this web site. TrueCred grants each Visitor a limited, revocable license to use this web site subject to the Terms. Any person wishing to use this web site contrary to the Terms must obtain TrueCred's prior written consent. The information offered on this web site is for the Visitor’s guidance only. The information offered is for quotation purposes only, and is subject to change on final submission of an application. TrueCred has taken every care to ensure that the information provided on this web site is reliable by using sources we believe to be accurate. However, the accuracy of the information (including rates, fees, and charges), cannot be guaranteed. Sufficient particulars. In order for TrueCred to provide a Visitor with appropriate advice and / or quotations on products, it is important that a Visitor provides TrueCred with sufficient particulars of their financial affairs. Failure to make a full disclosure could result in TrueCred’s advice being compromised and may result in a Visitor thus making a financial commitment to a product inappropriate to their needs and objectives. Framing. No person, business, or web site may frame this web site or any of the pages on this web site. Linking. Visitor(s) may link to the web site only by linking to the home page of this web site. TrueCred prohibits Visitor from “deep linking” to any other pages in a manner that would incorrectly suggest endorsement or support of Visitor by TrueCred or suggests a Visitor is the owner of any intellectual property belonging to TrueCred. Spiders and Crawlers. No person, business, or web site may use any technology (including spiders or crawlers) to search and gain any information from this web site.
Modify. TrueCred may modify, suspend, or discontinue the provisioning of this web site to the public (with or without notice) and will not be liable for any claims. Furthermore TrueCred also reserves the right to modify the terms and conditions that govern the relationship with users (with or without notice) and will not be liable for any claims that result in terms of such a change.
Capacity of Customer. Each Visitor represents and warrants that Visitor : 1. is old enough under applicable law to enter into the Terms; 2. possesses the legal right, full power, and authority to enter into the Terms; 3. will submit true, accurate and correct information to TrueCred and this web site. If Visitor is younger than 18 years of age, the visitor warrants that the Visitor has the consent of its legal guardian to enter into the Terms or that the Visitor has obtained legal status in another manner.
Collection. Collection on use. Once a Visitor visits this web site, a Visitor is not anonymous to TrueCred. When visiting, each Visitor provides Data, which may include an ID number, a contact number, a street address, and an email address. TrueCred may also record the IP address of a Visitor when adding Data. Children. TrueCred does not intentionally gather Personal Information about visitors who are under the age of 13. Collection from browser. TrueCred automatically receives and records information on TrueCred’s server logs from the browser of a Visitor, including an IP address, TrueCred cookie information, and the page requested. Each Visitor should be aware that other web sites visited before entering the web site might place Personal Information within a URL of a Visitor during a visit to it, and TrueCred has no control over such web sites. Accordingly, a subsequent web site that collects URL information may log some Personal Information.
Updating or Removing. A Visitor may choose to correct or update the Data they have submitted to TrueCred, by notifying TrueCred. The client area also provides the user with an interface where details can be updated. If details change that impact the collectability or contractibility for an active product the client is responsible for contacting TrueCred to ensure that the correct details are present on the system.
Unauthorised Use. Any unauthorised use of TrueCred information systems is a violation of the Agreement and certain laws, including the section 86 of the ECT Act. Such violations may subject the person to civil and criminal penalties. Use of the services of this website is limited to residents of South Africa or any individual residing in South Africa with the proper clearance documentation and temporary identification documentation.
Intercept and Monitor. TrueCred may intercept, monitor, block, filter, read, delete, and disclose any communication over its information system. This includes, but is not limited to the tracking of user Internet Protocol addresses (IP Addresses) and users agree that TrueCred may request their personal information from their Internet Service Provider for whatever reason the site sees fit in order to ensure a safe and trusted relationship with the user.
Limitation. TrueCred is not responsible for, gives no warranties, nor makes any representations in respect of the privacy policies or practices of linked or any third party web sites. TrueCred information systems is provided to users and used by TrueCred “as is” without warranty of any kind, either expresses or implied, including but not limited to the implied warranties of merchantability and/or fitness for a particular purpose. TrueCred cannot be held liable for any mistakes that arise from use of the information systems that govern the administration of products including but not limited to the unintentional disclosure of personal information.
Transfer Across Borders. TrueCred may transmit or transfer Personal Information outside the resident jurisdiction of the Visitor and therefore across borders. Personal Information may be processed by TrueCred in the country where it was collected as well as other countries where laws regarding processing of Personal Information may be less stringent.
Security of Data. TrueCred uses some of the most advanced security measures to protect the Data under its control. All Data is safe, secure, and available only to the Visitor and those to whom Visitor has granted permissions. In addition, the web site is hosted in a secure server environment that uses a firewall and other advanced security measures to prevent interference or access from outside intruders.
Save as set out in the terms, TrueCred makes no warranties, representations, statements or guarantees (whether express, implied in law or residual) regarding the website and the service/s and the website and service/s made available via the website are provided "as is". TrueCred does not make any warranty or representation that information and service/s advertised on the website are appropriate for use in any jurisdiction.
To the fullest extent possible by law, TrueCred expressly disclaims all (express or implied) warranties, including, without limitation, warranties and non-infringement, compatibility, security and accuracy in respect of this website. We do not warrant that the website or any software available for download via the website is free of viruses or destructive codes.
Neither TrueCred or its directors shall be responsible for, and they hereby disclaim all liability for, any loss, liability, damage (whether direct, indirect or consequential) and/or expense of any nature whatsoever which may be suffered by you or any third party, as a result of or which may be attributable, directly or indirectly, to your access and use of the website and/or any information contained on or received via the website, your use of the service/s and/or your reliance on any information offered via the website and service/s.
Without limiting the generality of the aforegoing, neither TrueCred nor its directors shall be liable for any loss of business, loss of data and/or loss of profits, any failure and/or unavailability of the website for any reason whatever and/or the failure/delay by any third party service provider to render any service/s which are necessary to ensure the availability of the website.
Information transmitted via the internet is susceptible to monitoring and interception. You will bear all risks of transmitting information in this manner. We will not be liable for any loss, harm or damage suffered by you as a result of transmitting information to us.
Any unsolicited confidential or proprietary information sent to us via the internet cannot be guaranteed to remain confidential. If you need to send such information to us and are concerned about the security of this information please contact us and we will advise you of the most appropriate method of transmission.
This website is made available for public viewing on the basis that TrueCred excludes, to the extent lawfully permitted all liability whatsoever for any loss or damage howsoever arising out of the use of this website or reliance upon the content of this website.
Nothing on this website is intended to be nor should be construed as an offer to enter into a contractual relationship with you or anyone else, except for these terms which govern the relationship between us in relation to your use of the website. The advertising of our services via the website merely constitutes an invitation by TrueCred for you to make an application for credit. TrueCred reserves the right not to accept and/or comply with any application for any reason whatsoever on notice to you. Should TrueCred accept your application for credit, the agreement is governed by the terms and conditions of the application and loan agreement itself and not by these terms which specifically relate to the use of the website.
Compliance with Legislation
TrueCred will not tolerate anyone using the TrueCred website (including the loan application process) in contravention of any law, whether in common law or statute, and reserves the right to take action against anyone doing so, including laying a criminal charge, where applicable.