Terms of Use
Updated:
These Terms and Conditions (“Terms”) govern your access to and use of LoansFind.co.za (the “Site”) and any services offered through it (the “Services”). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
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Definitions
1.1 “Company”, “we”, “us”, “our” means Profitech Credit Solutions (Pty) Ltd (registration number K2013214791).
1.2 “LoansFind” means the Site and the Services provided through it.
1.3 “User”, “you”, “your” means any person who accesses or uses the Site.
1.4 “Content” means all information, text, graphics, tools, and materials made available on or through the Site, including third-party data.
1.5 “Lead” means information you submit through a form on the Site to request contact about credit products.
1.6 “Partners” and “Third Parties” include credit providers, lead recipients, intermediaries, advertisers, analytics providers, and external platforms linked from or integrated with the Site.
1.7 “Electronic Transaction” has the meaning given in the Electronic Communications and Transactions Act 25 of 2002 (“ECTA”). -
Supplier information and disclosures (ECTA)
2.1 Supplier: Profitech Credit Solutions (Pty) Ltd (K2013214791).
2.2 Physical address: 1st Floor, 292 Surrey Avenue, Randburg, Johannesburg, 2194, South Africa.
2.3 Telephone: +27 11 083 8023.
2.4 Email: info@loansfind.co.za.
2.5 Website: loansfind.co.za.
2.6 Price: access to comparison content and submission of enquiry/lead forms is free (R0). No payment is accepted from users on the Site for these Services.
2.7 Self-regulatory bodies / codes: unless stated on the Site, we are not a member of any industry self-regulatory body and we do not subscribe to a formal code of conduct for these Services.
2.8 Record and correction before submit: where we provide forms, the form interface is intended to allow you to review, correct, and withdraw prior to submitting.
2.9 Security and privacy: we publish a Privacy Policy and (where applicable) Cookie Policy describing how personal information is processed and how cookies/identifiers are used.
2.10 Complaints: you may lodge a complaint using the process in clause 21. -
What LoansFind is (and is not)
3.1 LoansFind is an information and comparison platform. LoansFind is not a lender, not a credit provider, and not a credit broker.
3.2 LoansFind does not approve applications, determine eligibility, set rates, or provide binding quotes. Any credit agreement is concluded directly between you and the relevant credit provider/third party.
3.3 Content is general information and not financial, legal, tax, or professional advice. You remain responsible for verifying terms and obtaining independent advice where appropriate.
3.4 Credit providers are responsible for their own compliance obligations under the National Credit Act and related regulation, and consumers should verify provider status and terms directly with the provider. -
Eligibility
4.1 The Site is intended for users aged 18 or older. If you are under 18, do not use the Site or submit any form.
4.2 You warrant you have legal capacity to enter into agreements and to provide the information you submit. -
Licence to use the Site
5.1 We grant you a limited, revocable, non-exclusive licence to access and use the Site for personal, non-commercial purposes, subject to these Terms.
5.2 We may refuse service, restrict access, or block traffic where we reasonably suspect misuse, automated scraping, fraud, security risk, or breach of these Terms. -
Lead forms, consent to contact, and partner sharing
6.1 The Site includes enquiry/lead forms. When you submit a form, you request to be contacted about credit products and authorise processing and sharing of your Lead as described below.
6.2 Data collected through forms may include: loan amount; loan type; name; South African ID number; date of birth; contact number; email address; city/town; employment details; monthly income; employment contact number; credit status indicators (including bad credit); debt review status; and preferred contact time.
6.3 By submitting a Lead you:
(a) consent to us sharing your Lead with one or more Partners so that they may contact you, evaluate your request, and offer products/services; and
(b) consent to being contacted by us and/or Partners using the contact details you provided, by reasonable channels typically used for this purpose (such as phone call, SMS, and email).
6.4 You acknowledge Partners process your information under their own terms and privacy practices, and you should review those before engaging further.
6.5 You warrant that all information submitted is accurate, current, and provided lawfully, and you will not submit another person’s information unless you are authorised to do so.
6.6 If you want your Lead removed from our systems, you may submit a request under the Privacy Policy process referenced in clause 11 (data subject requests). -
Monetisation, advertising, and editorial positioning
7.1 The Site may display advertising, including display/programmatic ads.
7.2 The Company may earn compensation when a credit agreement is concluded with a third party following your interaction with the Site (for example, when a loan is funded).
7.3 Rankings/placements are not sold and do not depend on payment or commission. We may consider user interest signals (for example, observed search demand) alongside other editorial factors.
7.4 If any placement is sponsored, promoted, or featured, it will be identified as such. -
Loan calculator (illustration only)
8.1 The loan calculator provides estimates using generic assumptions. Results are illustrative only and are not a quote, offer, approval, or guarantee.
8.2 You remain responsible for verifying all fees, rates, repayment amounts, and terms directly with the relevant credit provider. -
Third-party websites, tools, and content
9.1 Links to Third Parties are provided for convenience and do not constitute endorsement.
9.2 We do not control Third Parties and are not responsible for their content, security, availability, decisions, pricing, underwriting, or contractual terms. Your use of Third Party websites and services is at your own risk.
9.3 You agree that any dispute regarding a Third Party product or service is between you and that Third Party. -
Reviews and external platforms
10.1 The Site does not host on-site user reviews. Reviews about LoansFind are hosted on external platforms and governed by those platforms’ terms and processes.
10.2 We do not warrant the accuracy or authenticity of third-party reviews or third-party statements. -
Privacy, cookies, analytics, and POPIA rights
11.1 Your use of the Site is also governed by the Privacy Policy and any Cookie Policy made available on the Site, which are incorporated into these Terms by reference.
11.2 The Site uses Google Analytics 4 for traffic measurement. Cookies and similar identifiers may be used as described in the Privacy Policy and Cookie Policy.
11.3 Data subject requests: subject to applicable law, you may request access, correction, deletion, or objection to processing of your personal information by contacting info@loansfind.co.za. -
Intellectual property and acceptable content use
12.1 The Site and its Content are owned by the Company or licensed to it and are protected by applicable intellectual property laws.
12.2 You may view and print Content for personal, non-commercial use. You may not copy, reproduce, republish, distribute, sell, scrape, train models on, or exploit Content for commercial purposes without prior written permission, except where permitted by law.
12.3 You may not use our trademarks, branding, or layout in a way that suggests endorsement or affiliation. -
Prohibited uses
13.1 You may not misuse or interfere with the Site or its security, including unauthorised access attempts, vulnerability testing without authorisation, introducing malware, or disrupting services.
13.2 You may not reverse engineer, decompile, disassemble, or attempt to derive source code from the Site except to the extent permitted by law.
13.3 You may not use the Site for unlawful, deceptive, defamatory, infringing, or harmful activity, or submit false enquiries or impersonate others. -
Removal of listings (takedown process)
14.1 How to request removal: send a request to info@loansfind.co.za with the subject “Listing Removal Request” and include:
(a) the exact URL(s) of the listing(s) requested for removal;
(b) the business/product name and any trading names used;
(c) your full name, role, and relationship to the business/product (owner, authorised representative, legal counsel);
(d) proof of authority to act (for example, written authorisation on company letterhead, proof of directorship, or a mandate letter);
(e) the reason for removal;
(f) supporting evidence; and
(g) the outcome requested (removal, correction, suppression of specific fields, or a notice).
14.2 Interim measures: while assessing a request, we may temporarily suppress a listing, remove specific data fields, or add an “under review” notice.
14.3 Timelines: we aim to acknowledge requests within 5 business days and provide an outcome within 20 business days, unless additional verification is required.
14.4 Outcomes: we may remove a listing where we can reasonably verify that it is inaccurate, illegitimate, unlawfully published, materially misleading, or no longer relevant due to cessation of trading. Where issues are correctable, we may amend rather than remove. We may refuse removal where the request is unverified, the listing is materially accurate, or removal would mislead users.
14.5 Third-party references: we cannot compel Third Parties to remove their content. We can update or remove content on LoansFind and may take reasonable steps to reduce visibility of our own pages where justified.
14.6 Re-listing: we may re-list based on updated verification and editorial criteria.
14.7 No fees: we do not charge for reviewing listing removal requests. -
Suspension, termination, and changes to the Services
15.1 We may suspend or terminate access to the Site or restrict features if we reasonably believe you breached these Terms, misused the Site, or created security/legal risk.
15.2 We may modify, suspend, or discontinue any part of the Site at any time. -
IMPORTANT NOTICE: LIMITATION OF LIABILITY, ASSUMPTION OF RISK, AND INDEMNITY
16.1 These Terms contain clauses that limit our liability, require you to assume certain risks, and require you to indemnify us. These clauses are intended to comply with the Consumer Protection Act 68 of 2008, including the requirement that such terms be brought to the consumer’s attention.
16.2 If you do not agree to these risk-allocation clauses, do not use the Site and do not submit any Lead. -
Disclaimers
17.1 The Site and Services are provided “as is” and “as available”.
17.2 We do not warrant that Content is error-free, complete, current, or suitable for your circumstances.
17.3 We do not warrant uninterrupted access or that the Site will be free from defects, delays, or harmful components. -
Limitation of liability (to the extent permitted by law)
18.1 We are not liable for loss arising from: reliance on Content; use of the calculator; Partner decisions (including approvals/declines); or Third Party products/services, websites, or platforms.
18.2 We are not liable for indirect or consequential loss, loss of profit, loss of data, or business interruption, except to the extent liability cannot be excluded under applicable law.
18.3 Nothing in these Terms excludes or limits liability to the extent it may not be excluded or limited under South African law. -
Indemnity (limited scope)
19.1 You indemnify the Company and its directors, officers, employees, contractors, and agents against claims and losses arising from:
(a) your unlawful use of the Site;
(b) your breach of these Terms;
(c) your submission of false, misleading, or unlawfully obtained information; or
(d) infringement of third-party rights caused by your actions. -
Notices and electronic communications
20.1 Queries and notices may be sent to info@loansfind.co.za or to the physical address in clause 2.2.
20.2 We may communicate with you using the contact details you provide when submitting a Lead, including to confirm receipt, request clarification, or address compliance/security matters. -
Complaints and dispute handling
21.1 Complaints about the Site or Content: email info@loansfind.co.za with (a) the relevant URL(s), (b) a description of the issue, and (c) supporting evidence where applicable.
21.2 We aim to acknowledge complaints within a reasonable time and may request additional information to investigate.
21.3 Complaints about a credit provider’s conduct, terms, or decisions should be directed to the provider first and, where relevant, to the National Credit Regulator.
21.4 Complaints about personal information processing may be directed to us and, where applicable, escalated to the Information Regulator under POPIA. -
Changes to these Terms
22.1 We may update these Terms by posting a revised version on the Site with a new “Updated” date.
22.2 Your continued use of the Site after the Updated date constitutes acceptance of the revised Terms. -
Governing law and jurisdiction
These Terms are governed by the laws of the Republic of South Africa. You consent to the jurisdiction of the courts of South Africa for disputes arising from these Terms or your use of the Site. -
General
24.1 Severability: if any provision is invalid or unenforceable, the remaining provisions remain in effect.
24.2 No waiver: failure to enforce a right is not a waiver of that right.
24.3 Assignment: we may assign our rights and obligations; you may not assign yours without written consent.
24.4 Entire agreement: these Terms, the Privacy Policy, and any Cookie Policy constitute the entire agreement governing your use of the Site.