Affiliate Disclaimer

This Affiliate Disclaimer (“Disclaimer”) explains how LoansFind.co.za (the “Site”) may earn revenue from advertising, referrals, and commercial relationships connected to the Site. It also explains the limits of LoansFind’s role when you use the Site to compare credit-related products or submit an enquiry. By using the Site, you acknowledge the disclosures set out below.

1. What this page covers

   1.1 This page explains how LoansFind may be compensated through advertising, referrals, sponsored placements, and related commercial arrangements.
   1.2 This page should be read together with the Terms of Use, Privacy Policy, and any other legal notices published on the Site.
   1.3 If any conflict arises between this page and the Terms of Use, the Terms of Use will apply to the extent of the inconsistency.

2. What LoansFind is (and is not)

   2.1 LoansFind is an information, comparison, and referral platform.
   2.2 LoansFind is not a lender, not a credit provider, and not a credit broker.
   2.3 LoansFind does not approve applications, determine eligibility, set interest rates, issue binding quotations, or decide whether a user qualifies for credit.
   2.4 Any credit agreement is concluded directly between you and the relevant credit provider or third party handling your enquiry.
   2.5 Content on the Site is general educational and comparison content only and does not constitute financial, legal, tax, or other professional advice.

3. How the Site may earn revenue

   3.1 The Site may display advertising, including display advertising, sponsored placements, promoted listings, and similar commercial content.
   3.2 The Company may earn compensation when a user interacts with the Site and a third party pays for advertising, lead generation, referral traffic, or a completed commercial outcome (for example, where a credit agreement is concluded after a user enquiry).
   3.3 Compensation may be paid by credit providers, intermediaries, advertisers, lead buyers, or other commercial partners.
   3.4 Access to comparison content and submission of enquiry forms is free to users on the Site. LoansFind does not charge users a fee to browse comparison content or submit a lead form.

4. Lead forms and referral disclosures

   4.1 The Site includes enquiry and lead forms that allow users to request contact about credit-related products or services.
   4.2 When you submit a form, you request to be contacted about the product category selected and you authorise the processing and sharing of your information as described in the Terms of Use and Privacy Policy.
   4.3 Your Lead may be shared with one or more participating partners, which may include credit providers, intermediaries, lead recipients, or referral partners.
   4.4 Those partners may contact you using the contact details you provided in order to assess your request, request further information, or present products or services that may be relevant to your enquiry.
   4.5 LoansFind does not control whether any partner contacts you, what product is offered, whether you are approved, or what terms are ultimately made available.

5. No guarantee of approval, availability, or terms

   5.1 LoansFind does not guarantee that you will be matched with a provider, contacted by a provider, or approved for any product.
   5.2 LoansFind does not guarantee loan availability, interest rates, fees, repayment periods, payout times, or any other product terms.
   5.3 Any figures, examples, calculators, guides, or comparisons shown on the Site are illustrative or informational only unless expressly stated otherwise.
   5.4 Final pricing, fees, eligibility criteria, repayment obligations, and contractual terms must always be confirmed directly with the provider before you accept any offer.

6. Editorial independence and rankings

   6.1 LoansFind may maintain editorial control over how content is structured, written, and presented on the Site.
   6.2 Rankings, placements, and comparisons are not sold and do not automatically depend on payment or commission.
   6.3 The Site may consider editorial factors such as relevance, product category fit, consumer intent, content quality, and observed user interest when determining how certain content or listings are presented.
   6.4 If any content, placement, listing, or section is sponsored, promoted, featured, or otherwise materially influenced by a commercial arrangement, it should be identified as such.
   6.5 Commercial relationships do not remove the need for users to compare total cost, repayment terms, provider disclosures, and affordability carefully.

7. No endorsement of third parties

   7.1 Links to providers, referral partners, or external services do not constitute an endorsement, recommendation, or guarantee by LoansFind.
   7.2 LoansFind does not represent that any specific provider is the best option for you, the cheapest option, the fastest option, or the most suitable option for your personal circumstances.
   7.3 Users remain responsible for performing their own checks and for reviewing the provider’s official quotation, pre-agreement statement, credit agreement, privacy notice, and any other contractual documents before proceeding.
   7.4 Where relevant, users should verify the status of a credit provider or other regulated firm directly with the appropriate regulator or official register.

8. Partner responsibility and third-party terms

   8.1 Once your information is shared with a participating partner, that partner processes your information under its own terms, privacy practices, and legal obligations.
   8.2 LoansFind does not control the underwriting, affordability assessments, credit checks, fraud checks, identity checks, pricing decisions, or contractual decisions of any third party.
   8.3 Any dispute about a provider’s conduct, approval decision, fees, repayment terms, collections practices, or product performance is between you and that provider or third party.
   8.4 LoansFind is not responsible for errors, delays, omissions, or changes in a third party’s product information, availability, pricing, or decision-making processes.

9. Advertising, sponsored content, and affiliate relationships

   9.1 The Site may publish content that contains advertising, sponsored references, promoted placements, or referral links.
   9.2 Where LoansFind earns compensation from a click, enquiry, lead, sale, funded loan, or other commercial outcome, that does not mean the product is suitable for every user.
   9.3 Some content may discuss products, services, providers, tools, or external websites with which the Company has a commercial relationship.
   9.4 The existence of a commercial relationship does not remove the need for users to independently compare products and confirm all current terms directly with the provider.
   9.5 Not every page, article, listing, or mention on the Site is necessarily sponsored or paid for.

10. User responsibility before applying

    10.1 Before applying for any credit product, you should review the total cost of credit, repayment schedule, default consequences, fees, interest, and all provider disclosures.
    10.2 You should borrow only if the monthly repayment fits your budget after essential living costs and existing debt obligations.
    10.3 If you are unsure whether a credit product is appropriate for you, you should obtain independent advice from a suitably qualified professional.
    10.4 LoansFind does not assess whether any product is affordable or suitable for your personal financial circumstances.

11. Accuracy and changes

    11.1 LoansFind aims to keep commercial disclosures accurate and reasonably up to date, but providers, products, rates, criteria, availability, and commercial arrangements can change without notice.
    11.2 The Site does not warrant that every listing, comparison, or product reference is complete, current, or suitable for your circumstances at the exact time you view it.
    11.3 You should confirm the latest information directly with the relevant provider before relying on it or accepting any offer.

12. Contact

    12.1 If you have questions about this Disclaimer or how LoansFind may be compensated, you may contact us at info@loansfind.co.za.
    12.2 Company: Profitech Credit Solutions (Pty) Ltd.
    12.3 Physical address: 1st Floor, 292 Surrey Avenue, Randburg, Johannesburg, 2194, South Africa.
    12.4 Telephone: +27 11 083 8023.

13. Changes to this Disclaimer

    13.1 We may update this Disclaimer by posting a revised version on the Site with a new “Updated” date.
    13.2 Your continued use of the Site after the Updated date constitutes acknowledgement of the revised Disclaimer, to the extent permitted by law.