Website terms of use

1. Agreement

By accessing or using this website (the "Site"), you agree to these terms of use. If you do not accept them, please do not use the Site. We may update these terms from time to time; the revised version will be published here with an updated "Last updated" date. Continued use after changes means you accept the updated terms, to the extent permitted by law.

2. Who operates this Site

The Site is operated by or on behalf of Mepho Pay Day Loans, a registered credit provider in the Republic of South Africa, National Credit Regulator registration number NCRCP20247 ("we", "us", or "our").

3. Nature of the Site

The Site provides general information about our brand and may link you to our online application flow and customer portal for credit and related services. Content on the Site is aimed at persons in South Africa unless otherwise stated. Nothing on the Site amounts to an offer of credit unless clearly stated in a separate agreement that meets applicable requirements of the National Credit Act, 2005 and other relevant law.

4. No financial, legal, or tax advice

Material on the Site is provided for general information only. It does not constitute financial, legal, tax, or other professional advice. Before making decisions about credit or money matters, obtain advice suited to your circumstances.

5. Acceptable use

You agree that you will not:

• use the Site in any way that breaks the law or infringes our rights or anyone else's rights;
• attempt to gain unauthorised access to our systems, networks, or data;
• introduce viruses, malware, or other harmful code;
• scrape, harvest, or automate access to the Site in a manner that places unreasonable load on our infrastructure;
• misrepresent your affiliation with us or use the Site to send unsolicited bulk communications without our consent.

6. Intellectual property

Unless otherwise stated, we (or our licensors) own the copyright, trade marks, and other intellectual property rights in the Site and its content. You may view and print pages for your personal, non-commercial use. Any other reproduction, distribution, or modification requires our prior written consent unless the law clearly allows it.

7. Linked services (applications and portal)

The Site may link to separate services, including the application entry point ( new applications ) and the customer portal ( returning clients ). Those services are subject to their own terms, privacy notices, and security arrangements. We are not responsible for third-party websites that we do not control.

8. Disclaimer

So far as the law allows, the Site and its content are provided "as is" and "as available" without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

9. Limitation of liability

So far as the law of South Africa allows (including the Consumer Protection Act, 2008 where it applies to you), we and our directors, employees, contractors, and agents will not be liable for any indirect, consequential, or special loss or damage arising from your use of the Site or reliance on its content, except where such limitation is not permitted by law. Nothing in these terms limits liability that cannot lawfully be limited, including liability for gross negligence or wilful misconduct where applicable.

10. Indemnity

You agree to indemnify and hold us harmless against any claim, damage, loss, or expense (including reasonable legal costs) arising from your breach of these terms or your misuse of the Site, except to the extent caused by our own wrongdoing as finally determined under applicable law.

11. Credit-related disclosure

We are registered with the National Credit Regulator as a credit provider ( NCRCP20247). Credit agreements, quotations, and advertising must comply with the National Credit Act and related regulations—please read all contract documents carefully before signing.

12. Governing law and jurisdiction

These terms are governed by the laws of the Republic of South Africa. Subject to mandatory protections that apply to you as a consumer, you submit to the non-exclusive jurisdiction of the South African courts.

13. Entire agreement and severability

These terms, read with our Privacy Policy and Cookies Policy, form the agreement between you and us regarding your use of the Site insofar as that use is covered here. If any provision is found invalid, void, or unenforceable, that provision is severable and the remainder continues with full force—except where severance would materially defeat the parties' commercial purpose, in which case the parties should negotiate in good faith to replace the provision with a valid one closest in effect.

14. Electronic communications and records

You consent to receiving notices and communications from us electronically where the law allows, including email or messages through portals you have enrolled in. You agree that a record signed or stored electronically may be used as evidence in any dispute to the same extent as a paper record, subject to the Electronic Communications and Transactions Act, 2002 and other applicable rules.

15. No waiver

Failure or delay by us to enforce any right or provision of these terms does not constitute a waiver of that right or provision. Any waiver must be in writing and signed by us to be effective.

16. Assignment

You may not assign or transfer your rights under these terms without our prior written consent. We may assign our rights and obligations in connection with a merger, sale of assets, reorganisation, or as required by law, provided that your rights under consumer legislation are respected where they apply.

17. Force majeure

We are not liable for delay or failure to perform caused by events beyond our reasonable control, including utility failures, riots, pandemics, war, labour disputes, cyberattacks on infrastructure shared with other parties (insofar as beyond our reasonable remediation efforts), or failures by third-party telecommunications providers—provided we use reasonable endeavours to minimise impact and resume performance.

18. Complaints—credit and consumer routes

If your complaint relates to credit conduct, cost of credit, or our conduct as a credit provider, you may contact us first. If the matter is not resolved to your satisfaction, you may refer the dispute to the National Credit Regulator or another forum the National Credit Act prescribes, subject to time limits and procedures in that Act. General consumer complaints may also follow routes under the Consumer Protection Act, 2008, where applicable.

19. Anti-bribery and lawful use

You agree not to use the Site in connection with bribery, corruption, money laundering, terrorist financing, or other unlawful conduct. We may suspend access and report suspicious activity where the law requires.

20. Interpretation

Headings are for convenience only. Words importing one gender include others; singular includes plural and vice versa where the context requires. References to statutes include those statutes as amended from time to time. The term "including" means including without limitation.

21. Language

These terms are published in English. If we provide a translation, the English version prevails in the event of conflict, unless mandatory local law requires otherwise.

22. Electronic contract formation

Where you conclude a credit agreement or other contract through linked online services, that contract is governed by its own terms and mandatory law—not by this marketing website page alone.