These terms and conditions apply to your use of the Website and by accessing this Website, you agree to be bound by the terms and conditions set out below.
DEFINITIONS
- Services: means the services to be provided by a third party, which may necessitate the requirement for credit checking to be performed by such third party, to which you consent to
- LoanGuru: means LoanGuru a division of Comit Technologies (Pty) Ltd
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https://loanguru.co.za/ (the "Website:) owned and operated by LoanGuru, a division of Comit Technologies (Pty) Ltd
- User: means any person that enters or uses the LoanGuru website.
ELECTRONIC COMMUNICATIONS
When a user visits LoanGuru 's website such user consents to receiving communications LoanGuru electronically and agrees that all agreements, notices, disclosures and other communications sent by LoanGuru satisfies any legal requirements including, but not limited to the requirement that such communications should be in writing.
DISCLOSURES IN TERMS OF SECTION 43 OF THE ELECTRONIC COMMUNICATIONS AND TRANSACTIONS ACT, 2002
Any transactions concluded on this website will qualify as "electronic transactions" as defined in terms of the ECT Act and the following information is therefore disclosed in terms of Chapter 7 of the ECT Act:
- Street address: 30 Meridian Drive, Umhlanga New Town Centre, Umhlanga, 4320; Postal address: PO Box 1611, Country Club , Mt Edgecombe, 4301.
- Main business: Loan Guru is a Loan Provider aggregator. We are an authorised partner of Nedbank, Bayport, African Bank and Finchoice.
- The web site address of LoanGuru web site is: https://loanguru.co.za/
- Alternative dispute resolution: all disputes arising from the use of this website or any agreement flowing therefrom, or the inability to use this website, will be referred to arbitration in terms of the rules of the Arbitration Foundation of South Africa (AFSA) and such arbitration shall be held in Johannesburg, and conducted in the English language, and the unsuccessful party shall pay all costs incurred by the successful party. The rules of the Arbitration Foundation of South Africa may be downloaded from http://www.arbitration.co.za/downloads/commercial_rules.pdf.
- Cooling-off period: If you have entered into an agreement for the supply of goods and / or services through this website, you will have seven (7) days in which to change your mind. After notifying us in writing, we will have 30 days in which to pay you back in full. If goods have already been delivered to you, you will have to return them at your own cost before you get your money back.
Accessing any pages on this website implies that you, the user, agree to the following terms and conditions of use of this website.
1. DISCLAIMER
1.1 Whilst every effort has been made by LoanGuru, a division of Comit Technologies (Pty) Ltd to ensure the proper performance of this website, the accuracy of the information, prices and images and their liability of the binary data on this website, LoanGuru does not guarantee the availability of services, stock, content and information offered on this website or the accuracy of the information and/or images on this website.
1.2 We make no representations or warranties, whether express or implied, and assume no liability or responsibility for the proper performance of this website and/or the Services and/or the information and/or images contained on this website, and the Services are thus used at your own risk. In particular we make no warranty that the Services will meet your requirements, be uninterrupted, complete, timely, secure or error free.
1.3 This site may contain hyper-links to third party sites. LoanGuru is not responsible for the content of, or the services offered by those sites. The hyper-link(s) are provided solely for your convenience and should not be construed as an express or implied endorsement by us of the site(s) or the products or services provided therein. You access those sites and use their products and services solely at your own risk.
1.4 Gift vouchers/cards may not be redeemed for cash or as payment.
1.5 We will not entertain requests for exchanges, returns and/or refunds
2. INDEMNIFICATION
You indemnify and holds us harmless against all and any loss, liability, actions, suites, proceedings, costs, demands and damages of all and every kind, (including direct, indirect, special or consequential damages), and whether in an action based on contract, negligence or any other action, arising out of or in connection with the failure or delay in the performance of the Services offered on this website, or the use of the Services, information and/or images available on this website, whether due to our negligence or not.
3. USE OF SERVICES
3.1 You may only use the Services for lawful purposes and you warrant that you shall not:
3.1.1 use the Services to receive or transmit material which is in violation of any law or regulation, which is obscene, threatening, racist, menacing, offensive, defamatory, in breach of confidence, in breach of any intellectual property rights, or otherwise objectionable or unlawful; 1.3 This site may contain hyper-links to third party sites. LoanGuru is not responsible for the content of, or the services offered by those sites. The hyper-link(s) are provided solely for your convenience and should not be construed as an express or implied endorsement by us of the site(s) or the products or services provided therein. You access those sites and use their products and services solely at your own risk.
3.1.2 use the Services for the transmission of 'junk mail', 'spam', 'chain letters', or unsolicited mass distribution of SMS;
3.1.3 other than for your personal and non-commercial use, store on your computer, or print copies of extracts from this website, and you may not, other than for your personal and non-commercial use, 'mirror' or cache information provided via this website on your own server, or copy, adapt, modify or re-use the text or graphics from this website without prior written permission from LoanGuru.
4. TERMINATION AND VARIATION
We reserve the right to alter, restrict and/or terminate the Services to you in particular, or to the public in general, without notice or reason, or to revise these terms and conditions, and/or the prices at which the Services are offered, at any time. Such changes will be posted on this website and be deemed to have been accepted by you if you continue using the Services. The obligation therefore is on you to review these terms and conditions at regular intervals.
5. GENERAL
5.1 These terms and conditions will be governed by and construed in accordance with the laws of South Africa, and you shall submit to the jurisdiction of the South African Courts.
5.2 These terms and conditions are severable, in that if any provision is determined to be illegal or unenforceable by any court of competent jurisdiction, then such provision shall be deemed to have been deleted without affecting the remaining provisions of the terms and conditions.
5.3 Our failure to exercise any particular rights or provision of these terms and conditions shall not constitute a waiver of such right or provision, unless acknowledged and agreed to by us in writing.
5.4 These terms and conditions, as varied by us from time to time pursuant to section 5, above constitute the sole agreement between yourself and ourselves.
5.5 These terms and conditions shall be for the benefit of LoanGuru and may be waived by us in our discretion.
5.6 Monthly tariff subscription amounts may vary, depending on your deal selection.
6. SECURITY POLICY
6.1. Virtual Card Services process all credit card transactions. All credit card transactions are 128 bit Secure Socket Layers (SSL) encrypted. The company registration documents and the site's registered domain name are checked and verified by Thawte, ensuring the cardholder and merchant that nobody can impersonate VCS to obtain confidential information. 2. Virtual Card Services is committed to providing secure online services. All encryption complies with international standards. Encryption is used to protect the transmission of personal information when completing online transactions. Virtual Card Services Internet servers are protected by firewalls and intrusion detection systems. 3. The Merchant does not have access to credit details. 4. Virtual Card Services continually reviews and enhances its security in line with technological changes.
7. MONITORING 7.1 We have the right, but not the obligation, to monitor any activity and content associated with the Website. We may investigate any reported violation of these Conditions or complaints and take any action that we deem appropriate (which may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access and/or removing any materials from the Website).
8. LAW
8.1 The Conditions will be exclusively governed by and construed in accordance with the laws of South Africa whose Courts will have exclusive jurisdiction in any dispute, save that we have the right, at our sole discretion, to commence and pursue proceedings in alternative jurisdictions.
9. CONTACT DETAILS
General enquiries -
support@loanguru.co.za
10. FEEDBACK AND COMPLAINTS
10.1 If you have a complaint about the services provided by Loan Guru or require information regarding our internal complaints-handling process, you can get in touch with us via our Customer Care Department.
10.2 Our Customer Care Department details are as follows:
- Customer Care Email support: support@loanguru.co.za
10.3 We are participant to Consumer Products and Services Ombud ["CGSO"] and are bound by Consumer Goods and Services Industry Code of Conduct. If we do not resolve your complaint within 15 (fifteen) business days of you having notified us of it, you are entitled to approach CGSO to assist in resolving the dispute.
10.4 The CGSO contact details are:
- Website: http://www.cgso.org.za/
- Sharecall: 0860 000 272
- Email: complaints@cgso.org.za
