Disclaimer

1. General Disclaimer

The information provided on Credizen ("the Platform") is for informational purposes only and should not be construed as financial advice, legal advice, or a recommendation to borrow.

Before applying for any loan, we strongly recommend:

• Reading the lender's full terms and conditions
• Understanding all fees, interest rates, and repayment obligations
• Assessing your ability to repay the loan
• Consulting with a financial advisor if needed

2. No Guarantee of Approval

Credizen does NOT guarantee loan approval by any lender featured on our platform. Each lender:

• Has its own eligibility criteria and credit assessment process
• Makes independent credit decisions
• May approve, decline, or offer different terms than displayed
• Conducts affordability assessments as required by the National Credit Act

The loan amounts, interest rates, and terms shown on Credizen are indicative and subject to lender approval. Your actual offer may differ based on your credit profile.

3. Affiliate Relationships & Compensation

3.1 Commission Structure

We receive compensation in the following ways:

• Cost Per Action (CPA): Commission when you submit an application or receive approval
• Cost Per Click (CPC): Small fee when you click "Apply Now" (less common)
• Revenue Share: Percentage of lender fees over the loan lifetime (rare)

3.2 Impact on Your Loan Terms

✅ Our commissions do NOT affect the loan terms, interest rates, or fees you receive.

You pay the same amount whether you apply through Credizen or directly with the lender. Our compensation comes from the lender, not from you.

3.3 Lender Ranking

Lenders featured on Credizen are ranked based on a combination of:

• Relevance: How well the loan matches your requirements
• Interest Rates: Lower rates ranked higher
• User Reviews: Customer satisfaction scores
• Commission Rates: Higher commissions may influence placement

We strive for transparency: our primary goal is to match you with suitable loans, but we acknowledge that affiliate compensation influences which lenders we feature.

4. Information Accuracy

4.1 Best Efforts

We make reasonable efforts to ensure the accuracy of information displayed on Credizen, including:

• Loan amounts and interest rates
• Lender fees and terms
• Eligibility criteria
• NCR registration status

4.2 No Warranty

However, we do NOT warrant or guarantee that:

• Information is always current or complete
• Lenders will honor displayed terms
• Our AI recommendations are error-free
• Third-party data (from lenders) is accurate

4.3 Your Responsibility

5. Timeliness of Information

Loan offers, interest rates, and lender terms change frequently. While we update our database regularly, there may be delays between:

• When a lender updates their terms
• When those changes appear on Credizen

Information on our platform may be several days old. Always check the lender's website for the most current offers.

6. Third-Party Lenders

6.1 Independent Operators

All lenders featured on Credizen are independent third parties. We do not control:

• Their lending decisions or credit assessments
• How they handle your application or personal data
• Their customer service or complaint resolution
• Changes to their terms or business operations

6.2 Lender Responsibility

Each lender is solely responsible for:

• Complying with the National Credit Act and NCR regulations
• Conducting affordability assessments
• Providing clear loan agreements
• Handling customer complaints

6.3 Privacy Policies

When you apply for a loan, you are subject to the lender's privacy policy, not Credizen's. Review each lender's POPIA compliance and data handling practices.

7. External Links

Credizen contains links to third-party websites (lenders, regulators, partners). These links are provided for your convenience, but:

• We do NOT control or endorse external websites
• We are NOT responsible for their content, accuracy, or practices
• You access external sites at your own risk

Read the terms and privacy policies of any website you visit.

8. No Financial or Legal Advice

Credizen does NOT provide financial, legal, or credit advice. Our platform:

• Presents loan options based on your search criteria
• Uses AI to match loans to your profile
• Provides general information about borrowing

We do NOT advise you on:

• Whether you should borrow money
• How much to borrow
• Which lender to choose
• How to manage debt

For personalized financial advice, consult a licensed financial advisor or debt counselor.

9. Limitation of Liability

To the fullest extent permitted by South African law, Credizen is NOT liable for:

• Decisions made by you or lenders based on information from our platform
• Loan approval or denial
• Changes to lender terms after you apply
• Errors or omissions in displayed information
• Losses resulting from borrowing decisions
• Disputes between you and lenders
• Service interruptions or technical errors

See our Terms & Conditions for full liability limitations.

10. NCR Registration

All lenders featured on Credizen must be registered with the National Credit Regulator (NCR) of South Africa.

11. Changes to This Disclaimer

We may update this Disclaimer from time to time. The "Last Updated" date indicates when it was last revised. Continued use of Credizen constitutes acceptance of any changes.

12. Questions or Concerns