Terms & Conditions

1. Acceptance of Terms

Welcome to Credizen ("the Platform", "we", "us", or "our"). By accessing or using www.credizen.net, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our service.

These Terms constitute a legally binding agreement between you ("User", "you", or "your") and Credizen regarding your use of our loan comparison platform.

2. Service Description

2.1 What We Do

Credizen is a comparison platform that:

• Aggregates loan offers from NCR-registered lenders in South Africa
• Provides AI-powered recommendations based on your loan requirements
• Facilitates comparison of loan terms, interest rates, and fees
• Redirects you to lender websites for direct application

2.2 What We Are Not

3. User Obligations

3.1 Eligibility

You must:

• Be at least 18 years old
• Be a legal resident of South Africa
• Have the legal capacity to enter into binding agreements
• Provide accurate and truthful information

3.2 Accurate Information

You agree to:

• Provide truthful loan requirements and personal details
• Update information if it changes
• Not impersonate another person
• Not provide false or misleading data to lenders

3.3 Prohibited Conduct

You must NOT:

• Use the Platform for any illegal purpose
• Attempt to manipulate, scrape, or extract data
• Submit fraudulent loan applications
• Interfere with the Platform's operation or security
• Upload viruses, malware, or harmful code
• Violate any applicable South African laws or regulations

4. Intellectual Property

4.1 Our Rights

All content on Credizen, including text, graphics, logos, algorithms, code, and design, is owned by Credizen or its licensors and is protected by South African and international copyright and trademark laws.

4.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Platform for personal, non-commercial loan comparison purposes only.

4.3 Restrictions

You may NOT:

• Copy, reproduce, or republish content without permission
• Modify, reverse-engineer, or create derivative works
• Use content for commercial purposes
• Remove copyright or trademark notices

5. Third-Party Lenders

5.1 External Websites

When you click "Apply Now", you are redirected to a lender's website. Each lender operates independently and has its own:

• Terms and conditions
• Privacy policy
• Eligibility criteria
• Fees and interest rates
• Application process

5.2 No Endorsement

Inclusion of a lender on Credizen does not constitute an endorsement or recommendation. We encourage you to read each lender's terms carefully before applying.

5.3 Affiliate Relationships

We may receive commissions from lenders when you complete a loan application. This does not affect the loan terms you receive. See our Disclaimer for details.

6. Disclaimers and Limitations of Liability

6.1 No Guarantees

We do NOT guarantee:

• Loan approval by any lender
• Specific loan terms, rates, or amounts
• Accuracy of information provided by lenders
• That our service will be uninterrupted or error-free

6.2 "As Is" Basis

The Platform is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

6.3 Limitation of Liability

To the fullest extent permitted by South African law, Credizen and its affiliates, directors, employees, and agents shall NOT be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages arising from your use of or inability to use the Platform
• Actions or omissions of third-party lenders
• Unauthorized access to your personal information (subject to POPIA obligations)

Our total liability in any matter shall not exceed R1,000 (One Thousand Rand).

7. Indemnification

You agree to indemnify, defend, and hold harmless Credizen and its affiliates from any claims, liabilities, damages, or expenses (including legal fees) arising from:

• Your use of the Platform
• Your violation of these Terms
• Your violation of any third-party rights
• Any fraudulent or illegal activity

8. Privacy and Data Protection

Your use of Credizen is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information in compliance with the Protection of Personal Information Act (POPIA).

9. Termination

9.1 By You

You may stop using the Platform at any time. To request deletion of your data, see our Privacy Policy.

9.2 By Us

We reserve the right to suspend or terminate your access to the Platform immediately, without notice, if you:

• Violate these Terms
• Engage in fraudulent or illegal activity
• Pose a security risk to the Platform

10. Changes to These Terms

We may update these Terms from time to time. The "Last Updated" date indicates when the Terms were last revised. Material changes will be notified via email or prominent notice on the Platform.

Your continued use of the Platform after changes constitutes acceptance of the revised Terms.

11. Governing Law and Dispute Resolution

11.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of South Africa.

11.2 Jurisdiction

Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of South Africa.

11.3 Dispute Resolution

Before initiating legal proceedings, we encourage you to contact us at maloni@outlook.com to attempt informal resolution.

12. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

13. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Credizen regarding use of the Platform.

14. Contact Us