Terms & Conditions & Marketing Consent

1. Acceptance of Terms

By clicking "I Accept", submitting your information, and using our services, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree, please do not proceed.

2. Nature of Our Service

Our platform provides credit-related information services, including but not limited to:

• Credit checks and credit report analysis
• Credit profile guidance and advisory support
• Referral-based financial assistance options
• Ongoing communication aimed at helping you save money and improve your financial standing

All services are provided in good faith and for informational and assistance purposes only.

3. Authorization to Use Your Information

By submitting your details, you expressly authorize us to:

• Access and review your credit information from registered credit bureaus where applicable
• Generate and store your credit report and related data securely
• Use your personal information to assess suitable financial, credit, or cost-saving opportunities
• Contact you via phone, email, or SMS for service-related communication and marketing purposes

This consent applies unless and until you formally withdraw it.

4. Marketing & Communication Consent

By accepting these Terms, you give us permission to:

• Contact you with marketing, educational, and promotional content
• Inform you about products, services, or opportunities that may help you:
• Save money
• Improve your credit profile
• Simplify your financial commitments
• Make better financial decisions

We commit to communicating responsibly and always with your best interests in mind.

You may opt out of marketing communications at any time by notifying us in writing.

5. Data Privacy & POPIA Compliance

We are committed to protecting your personal information in accordance with the Protection of Personal Information Act (POPIA).

We confirm that:

• Your data is stored securely with appropriate safeguards
• Your personal information will not be sold or shared with third parties
• Access to your information is limited to authorized personnel only
• Data may only be used internally for legitimate business and service-related purposes

You have the right to:

• Request access to your information
• Request correction of inaccurate data
• Request deletion of your data, subject to legal and regulatory requirements

6. Accuracy of Information

You confirm that all information you provide is:

• True
• Accurate
• Complete
• Up to date

We are not responsible for any outcomes, delays, or decisions resulting from incorrect or misleading information provided by you.

7. Service Limitations & Disclaimer

Our services are provided "as is", and we do not guarantee:

• Any specific credit score outcome
• Approval for credit or financial products
• Timeframes or results
• Error-free or uninterrupted service

All outcomes depend on individual circumstances and external institutions.

8. Prohibited Use

You agree not to:

• Provide false, misleading, or unauthorized information
• Submit information on behalf of others without consent
• Use our services for unlawful, fraudulent, or abusive purposes
• Attempt to compromise system security or misuse data

9. Suspension or Termination

We reserve the right to suspend or terminate access to our services at any time if:

• These Terms are violated
• Fraudulent activity is suspected
• Continued access poses risk to our business or users

10. Amendments to Terms

We may update these Terms and Conditions at any time. Continued use of our services after changes are posted constitutes acceptance of the revised Terms.

11. Contact Information

If you have any questions regarding these Terms or your personal information, please contact us: