Terms and Conditions

These Terms of Conditions (hereinafter referred to as "Terms of Conditions") apply to services rendered on-line via website www.hellocredit.co.za (hereinafter referred to as "Website"). You will find information such as a description of the services available on the Website (hereinafter referred to as "Services") and technical requirements for the use of the Website the terms on which the agreement between us and you is concluded and terminated and the conditions for filing a complaint. It constitutes an agreement between you and us and defines our and your rights and obligations.

By using the Website you agree to the terms of the agreement specified in the Terms of Conditions, therefore you should read it carefully before using the Website. You cannot use the Website if you do not accept the Terms of Conditions.

You can access the Terms of Conditions free of charge, at https://www.hellocredit.co.za/TermsConditions/. There you can find it, read it and download it at any time - for example, store it in the device's memory or print it. You can also ask us to send you the Terms of Conditions to your email address. By law, if we have not made the provisions of the Terms of Conditions available to you in the manner described in this section, such provisions do not apply to you.

Who are we?

We are a Propriety Limited company called "Hello Credit PTY Ltd" with a registered office in Cape Town South Africa, registered with the Companies and Intellectual Property Commission, registration number 2019 / 448096 / 07.

In the Terms of Conditions, we define ourselves as "HELLOCREDIT", "we", "us", "ours".

In the Terms of Conditions, we define yourself as "you", "Client". You may be also referred to as the "Consumer"

What do we do?

HELLOCREDIT is a South African company that focuses on empowering consumers by providing them with the knowledge, tools, and services needed to enhance their financial well-being. They assist individuals in improving their credit scores and disposable income through debt remedial services and savings, while also offering access to credit, insurance products and rewards from accredited providers. Our Reboot service specifically helps customers with poor credit scores to improve their creditworthiness.

The Services provided by us via this Website, aim to provide Clients with lenders or other providers of financial services who can offer loan products best suited for the Client's need.

Any examples of amounts available to borrow, terms (repayment periods) or rates stated on our website are purely given as a representative example relating to the product. These representative examples are stated to give our customers an understanding of the products available.

Please note that HELLOCREDIT is NOT a lender. Any loan contracts will be concluded directly between a specific lender and a customer. Through this Website it is NOT possible to conclude a loan agreement. Please also be aware that the decision to offer any short term loan or financial service is made by the lender or finance provider and HELLOCREDIT has no control over the decision making.

Terms of using the Services

You may use the Website and Services only for personal purposes and not for business purposes, unless we agreed otherwise in writing with you.

To use the Services, you must be an adult and have full legal capacity and be a South African citizen or a person with permanent residence permit in South Africa, live in South Africa, and if you represent a legal person or so-called a flawed legal entity and we have made a written agreement with you - you must have authorization to represent that person.

Technical requirements

In order to use the Website and Services in web version, you should have:

• a computer with internet access,
• monitor resolution of at least: 1024x768 pixels,
• Internet browser in the latest versions available with cookies and JAVA enabled

In order to use the Website and Services in the mobile version, you should have a mobile device (mobile phone) with Internet access and Android version 5.0 or later or with iOS version 10.2 or newer.

As part of the provision of Services, we do not provide the equipment necessary to use the Services and we are not responsible for the costs of telecommunications connections or other costs that you may incur as a result of meeting the technical requirements for using the Website or Services.

Standards

We take the responsibility to provide Services on a permanent basis, subject to interruptions related to the need to carry out maintenance or related to the updating of the Website.

When you use the Website, it is possible that we will send you "push" notifications. You can disable or re-enable "push" notifications at any time by changing the settings in the Website.

By providing us with your data required to register your Account and providing all other information in the course of the Services, you ensure that they are true, complete and accurate. If this data changes, you should inform us by updating it in your Account settings.

We reserve the right to:

• Refuse to provide the Services if you violate the Terms of Conditions;
• Change the Terms of Conditions for important reasons at any time;
• Delete all or part of the content that you are sending or sent via Website if it violates the Terms of Conditions.

When using the Website, it is prohibited to:

• Upload offensive, illegal or deceptive content or content that violates our or third parties' rights;
• Use the Website to publish advertisements, send unwanted messages, harmful messages, "chain letters";
• Undertake any activities that may hinder or disrupt the operation of the Website (including the imposition of an unreasonable or disproportionately large load on our infrastructure).
• Use the Website to send or receive materials that carry technical risks (for example: computer viruses, Trojan horses, worms, malicious items, corrupted data, malicious software);
• Make any attempts to circumvent security measures or network security measures, including attempts to access third party data and data capture;
• Carry out illegal activities or enter into illegal transactions through the Website.

Type of Services

Through the Website, we provide the following Services:

• Account service
• Loan browser
• Insurance browser
• Credit Card Offers
• Cellular Offers
• Reboot
• HelloBucks
• Referral Programme
• Newsletter

Account

To use the Services available in the Website, it is required to have a fully functional Account (conclusion of an agreement for the provision of the "Account" service). A Client without an Account will have limited access on the Website. The agreement for the "Account" service is free.

To create an Account, you must register by completing our registration form: Provide your email address and password to register

• Tell us more about yourself
• Accept the Terms of Conditions and the Privacy Policy;
• Give us your consent to process your personal data and request a credit score rating

The agreement for the "Account" service is concluded once you receive an email with confirmation of registration. The agreement is valid for an indefinite period of time and terminates upon the Account being deleted. One Account can be set up only for one person.

By entering into the agreement for the "Account" service, you also automatically enter the agreements for the services: Loan Offers, Insurance Offers, Credit Card Offers, Cellular Offers, Credit Reboot, HelloBucks.

You can delete your Account (terminate the agreement for the "Account" service) at any time by using the appropriate tab on the Website in client area.

We may delete your Account (terminate the agreement for the "Account" service) if:

You violate the provisions of the Terms of Conditions and you continue to do so despite our warning,

Deleting Account (termination the agreement for the "Account" service) occurs with immediate effect.

You are obliged to keep the access data to your Account secret and to do due diligence, not to allow them to be lost or acquired by third parties. In the event of access by a third party or any other breach of the security of the access data, you should immediately inform us. We are not responsible for any damage caused as a result of providing your username and password to third parties, unless disclosure results from our fault.

Loan Offers

To use the Loan Offering Service it is necessary for you to:

• have fully functional Account
• To be logged into your Client Dashboard
• Complete all necessary information if need be
• Loan offering Service is free of charge.

The Loan offering service aims at finding the best loan or a lender available for you, based on information provided by you.

To use Loan offering service you simply need to use our Loan offering form by filling it out with following data:

• preferred loan amount
• preferred loan term
• monthly gross income
• your salary date

HelloCredit provides a Loan Offering service to assist you in finding suitable loan options. However, it's important to note that HelloCredit is not a lender or loan provider. Any loan agreements or contracts will be directly between you and the lending institution. HelloCredit does not have control over the decision-making process of lenders.

The Loan Offering service is available to clients with a fully functional Account. To access this service, you need to be logged into your Clientzone on the Website.

Please be aware that the availability and approval of loans are not guaranteed. The final decision regarding loan approval, terms, interest rates, and eligibility criteria is determined by the lending institution. The terms and conditions of loans may vary depending on the specific lender and your individual creditworthiness.

Any examples of loan features, benefits, terms, or rates mentioned on our website are provided as representative examples to give you an understanding of the available products. The actual terms and conditions of loans may differ from the examples provided.

Before applying for a loan, it is crucial to thoroughly review and understand the terms and conditions, fees, interest rates, repayment terms, and any other relevant information associated with the loan. It is your responsibility to make an informed decision and ensure that the loan meets your financial needs and objectives.

HelloCredit assumes no liability for any issues, disputes, or consequences that may arise from your interactions with lenders or the use of loans obtained through the Loan Offering service.

Insurance Offers

To use the Insurance browser Service it is necessary for you to:

• have fully functional Account
• To be logged into your Clientzone.
• Complete all necessary information if need be
• Insurance browser Service is free of charge.

HelloCredit offers an Insurance Offering service to assist you in finding suitable insurance options. However, it's important to note that HelloCredit is not an insurance provider. Any insurance policies or contracts will be directly between you and the insurance company. HelloCredit does not have control over the decision-making process of insurance providers.

The Insurance Offering service is available to clients with a fully functional Account. To access this service, you need to be logged into your Clientzone on the Website.

Please be aware that the availability and approval of insurance policies are not guaranteed. The final decision regarding policy approval, coverage, terms, premiums, and eligibility criteria is determined by the insurance company. The terms and conditions of insurance policies may vary depending on the specific provider and your individual circumstances.

Any examples of insurance coverage, benefits, terms, or premiums mentioned on our website are provided as representative examples to give you an understanding of the available products. The actual terms and conditions of insurance policies may differ from the examples provided.

Before purchasing an insurance policy, it is crucial to thoroughly review and understand the policy terms and conditions, coverage limits, exclusions, deductibles, premiums, and any other relevant information. It is your responsibility to make an informed decision and ensure that the insurance policy meets your specific needs and requirements.

HelloCredit assumes no liability for any issues, disputes, or consequences that may arise from your interactions with insurance providers or the use of insurance policies obtained through the Insurance Offering service.

Credit Card Offers

To use the Credit Card offering service it is necessary for you to:

• have fully functional Account
• To be logged into your Clientzone.
• Complete all necessary information if need be
• Credit Card offering Service is free of charge.

Through the Website, we provide the Credit Card Offering service to help you find suitable credit card options. However, please note that HelloCredit is not a credit card issuer or provider. Any credit card agreements or contracts will be directly between you and the credit card issuer. HelloCredit does not have control over the decision-making process of credit card issuers.

The Credit Card Offering service is available to clients with a fully functional Account. To access this service, you need to be logged into your Clientzone on the Website.

Please be aware that the availability and approval of credit cards are not guaranteed. The final decision regarding credit card approval, terms, interest rates, and eligibility criteria is determined by the credit card issuer. The terms and conditions of credit card agreements may vary depending on the specific credit card issuer and your individual creditworthiness.

Any examples of credit card features, benefits, terms, or rates mentioned on our website are provided as representative examples to give you an understanding of the available products. The actual terms and conditions of credit cards may differ from the examples provided.

Before applying for a credit card, it is essential to thoroughly review and understand the terms and conditions, fees, interest rates, rewards programs, and any other relevant information associated with the credit card. It is your responsibility to make an informed decision and ensure that the credit card meets your financial needs and objectives.

HelloCredit assumes no liability for any issues, disputes, or consequences that may arise from your interactions with credit card issuers or the use of credit cards obtained through the Credit Card Offering service.

Cellular Offers

To use the Cellular offering service it is necessary for you to:

• have fully functional Account
• To be logged into your Clientzone.
• Complete all necessary information if need be
• Cellular offering Service is free of charge.

HelloCredit provides a Cellular Offering service to help you discover and compare various cellular plans and offers. However, it's important to note that HelloCredit is not a cellular service provider. Any cellular plans or contracts will be directly between you and the cellular service provider. HelloCredit does not have control over the decision-making process or terms of cellular service providers.

The Cellular Offering service is available to clients with a fully functional Account. To access this service, you need to be logged into your Clientzone on the Website.

Please be aware that the availability and terms of cellular offers may vary depending on the service provider, location, and your individual circumstances. The final decision regarding plan eligibility, coverage, terms, pricing, and other factors is determined by the cellular service provider.

Any examples of cellular plans, offers, pricing, or features mentioned on our website are provided as representative examples to give you an understanding of the available products. The actual terms and conditions of cellular plans may differ from the examples provided.

Before signing up for a cellular plan or offer, it is crucial to thoroughly review and understand the terms and conditions, coverage areas, data limits, call and text allowances, pricing, additional fees, contract duration, and any other relevant information. It is your responsibility to make an informed decision and ensure that the cellular plan meets your specific needs and requirements.

HelloCredit assumes no liability for any issues, disputes, or consequences that may arise from your interactions with cellular service providers or the use of cellular plans obtained through the Cellular Offering service.

Reboot

To use the Reboot service it is necessary for you to:

• have fully functional Account
• To be logged into your Clientzone.
• Complete all necessary information if need be
• Have a up to date paid subscription
• Reboot Service is a paid subscription

Reboot is a financial educational program designed to provide users with access to educational content, personalized coaching, and other resources to improve their financial knowledge and skills.

The information and content provided in Reboot are for educational purposes only and should not be considered as financial advice. HelloCredit does not guarantee any specific financial outcomes or results as a result of using Reboot.

The Reboot program is available to HelloCredit members who have subscribed to the Reboot service and have completed the registration process.

HelloCredit reserves the right to modify, suspend, or terminate the Reboot program or any aspect of it at any time, without prior notice, and at its sole discretion.

Users are responsible for maintaining the confidentiality of their Reboot account login credentials and for any activities or actions taken under their account.

The content provided in Reboot, including videos, articles, quizzes, and other materials, is the property of HelloCredit and is protected by copyright and other intellectual property laws. Users may not reproduce, distribute, or modify the content without prior written permission from HelloCredit.

Users may not share their Reboot account login credentials with others or allow others to access the program using their account.

HelloCredit may collect and use user data in accordance with its privacy policy. By using Reboot, you consent to the collection, storage, and use of your personal information as outlined in the privacy policy.

HelloCredit does not guarantee the availability or accessibility of Reboot at all times. The program may be subject to interruptions, delays, or errors beyond HelloCredit's control.

The Reboot program may include links to third-party websites or resources. HelloCredit is not responsible for the content, accuracy, or availability of these external sites or resources.

HelloCredit reserves the right to update or modify these terms of use at any time. Users will be notified of any material changes to the terms.

These terms of use are governed by the laws of the jurisdiction where HelloCredit operates.

If you have any questions or concerns regarding these terms of use or the Reboot program, please contact our customer support team.

Hellobucks

To use the HelloBucks service it is necessary for you to:

• have fully functional Account
• To be logged into your Clientzone.
• Complete all necessary information if need be
• Have a up to date paid subscription

HelloBucks (hereinafter referred to as "HB") is a loyalty program offered by HelloCredit to its members.

HB can be earned through various activities specified by HelloCredit, such as completing modules in the Reboot educational program, referring friends and family, and keeping the HelloCredit subscription up to date.

HB can be redeemed for eligible rewards available in the HelloBucks catalog, including but not limited to cellular data, airtime, electricity vouchers, grocery vouchers, and other exclusive offers.

HB has no cash value and cannot be exchanged for monetary compensation.

HB earned or redeemed may be subject to expiration. Expiration dates, if applicable, will be clearly communicated in the HelloBucks account or associated promotional materials.

HelloCredit reserves the right to modify, suspend, or terminate the HB program or any aspect of it at any time, without prior notice, and at its sole discretion.

HelloCredit may adjust the earning and redemption rates for HB, as well as the available rewards, without prior notice.

HB is non-transferable and can only be used by the HelloCredit member who earned it.

HelloCredit is not responsible for any loss, theft, or unauthorized use of HB.

HelloCredit reserves the right to review and audit HB transactions and accounts for compliance with these terms of use.

Any fraudulent activity, misuse, or violation of the HB program terms may result in the suspension or termination of a member's account, forfeiture of HB, and other appropriate actions.

By participating in the HB program, members agree to abide by these terms of use and any additional terms and conditions specified by HelloCredit.

HelloCredit may communicate with members about HB, including program updates, reward offers, and promotional materials, through email, SMS, or other channels.

These terms of use are governed by the laws of the jurisdiction where HelloCredit operates.

Please review these terms carefully before participating in the HelloBucks program. If you have any questions or need further clarification, please contact our customer support team.

Referral Programme

To use the Referral service it is necessary for you to:

• have fully functional Account
• To be logged into your Clientzone.
• Complete all necessary information if need be
• Referral Programme is free of charge

At HelloCredit, we believe in the power of word-of-mouth and want to reward our loyal members for sharing the benefits of our services with others. That's why we have a Referral Program that allows you to earn rewards for referring friends and family to HelloCredit.

Please note that the Referral Program is subject to the terms and conditions outlined on the dedicated page here. We encourage you to review these terms to ensure you have a clear understanding of the program guidelines.

Newsletter

Newsletter is provided only for Clients with Accounts and it is free of charge.

Within the Newsletter Service we will send you information, including commercial information, regarding promotions, new offers, events, competitions, etc. on a regular basis or at various intervals. regarding products and services offered by us or our partners.

This information will be sent to you by text messages (SMS) and/or e-mail.

To subscribe to the Newsletter you must:

• Provide Us with your e-mail address and phone number;
• Accept the Terms of Conditions and the Privacy Policy;
• Agree to process your personal data;

You can unsubscribe from Newsletter at any moment by:

• Sending us an e-mail with such request;
• Use a proper tab on the Website or link in the e-mail messages that you received;

Fees

The agreement for the "Account" service is free. We will not charge you for accessing the "loans, credit cards, insurance, cellular offers and referral programme".

There is a fee associated with the Credit Reboot Plan service. The specific fee amount will be communicated to you separately, and you will be required to make the payment for availing the Credit Reboot Plan.

Please note that the fee for the Credit Reboot Plan is separate from any other fees or charges mentioned in these Terms and Conditions.

Our liability

We are not responsible for any damage that arises as a result of failure to provide Services provided under these Terms of Conditions, due to circumstances for which we are not liable, in particular resulting from force majeure, equipment failure, errors and third-party interference.

Entities independent of us may place advertisements on the Website via links (links), banners, etc. We have no control over the content available on the sites of these entities and we are not liable for their offers, information or activities. When deciding to take the actions recommended in such an advertisement, you do so only at your own risk.

Withdrawal right

If you are a Consumer, you have the right to withdraw from the agreement for the "Account" service without giving any reason and at no cost within 14 calendar days from the date of conclusion of the agreement. To meet the deadline, it is enough to send us a statement before it expires.

You can submit a statement of withdrawal from the agreement:

• at the e-mail address provided in the Terms of Conditions or
• by using the appropriate tab on the Website

Intellectual property rights

The Website is our property. Using the Website on the basis of the Terms of Conditions in any way does not in any way result in the purchase of some or all of the above. intellectual property rights. The Website base, software for using the Services, and all other elements and content available on the Website about the features of the work or subject of industrial property rights and originating from us are our sole intellectual property (or the property of our licensors). This includes, in particular, content, verbal or graphic signs, names, images, graphics, films, sounds, data, designs, source codes, as well as their selection, connection, layout and changes, functionalities and services available on the Website. The same applies to the rights of third parties to the content provided on the Website.

You may use the Website and the data contained therein only to the extent determined by the Terms of Conditions - for your own needs.

This means that you do not have the right to:

• translation, adaptation, layout changes or any other changes to the ICT system of the Website;
• dissemination, reproduction, copying, use of all or part of the information contained on the Website, including in particular the terms of lending, leasing, or selling. This does not apply to the automatic temporary storage of files in the device's memory, which is the result of simply using the Website for purposes consistent with the Terms of Conditions and the cases of the law of fair use;
• providing access to the Website and its database to third parties, including making the password available to third parties;
• obtain information about the internal structure or operating principles of the Website software;
• unauthorized downloading, changing or deleting of data contained on the Website;
• preservation and reproduction of data downloaded from the Website, except for printing only for own purposes.

Complaint procedure

You can file a complaint if you are not happy with how we render the Services, in particular if you think that:

• We provide Services not in accordance with the Terms of Conditions;
• Services provided by us are poor quality;
• Your rights have been violated through the Services we provide.

You can file a complaint:

• electronically by sending us an e-mail to complaints@hellocredit.co.za

The complaint should contain the following information:

• personal information, including name and surname, correspondence address, email address, contact telephone number;
• The reason for the complaint, i.e. description of the problem being the basis of the complaint, for example, how your rights have been violated or for what reason you think the Services are poor quality;
• If possible, provide proof of the legitimacy of the complaint.

The complaint should be dealt with without unjustified delay, but not later than within 30 days of its receipt by us in a proper form. The term is kept if we send a reply before it is lapsed.

We will notify you with the results of the complaint procedure via email.

In complicated cases when it is impossible to give you answer within term specified above, we will inform you and explain:

• Reason of delay
• Circumstances that need to be clarified
• The expected date of our answer which will not be later than 60 days from receiving the complaint.

If we do not keep the 30- or 60-day term specified above, your complaint will be deemed accepted.

Personal data

We collect and process all your personal data in accordance with the provisions on the protection of personal data laws and our Privacy Policy, which can be found here.

Contact

Unless you state otherwise, we will contact you via means of telephone, SMS, post and email to provide information and alerts relating to our Services.

You can contact us:

• by email at info@hellocredit.co.za

Final provisions

We may change the Terms of Conditions at any time, if there is an important reason for this, e.g. if our data changes, we will modify the scope of existing Services, introduce new Services or technical solutions or due to the requirements of applicable law. We will inform you about any changes to the Terms of Conditions in advance, no later than 14 days before they enter into force, by publishing them as a uniform text of the Terms of Conditions on the Website and by sending you an e-mail informing about changes. If you do not accept the changes, you can terminate the contract for the provision of Services. If within 14 days you do not inform us that you do not accept changes to the Terms of Conditions, we will accept that you agree to them and new terms will apply to you from the effective date of the changes.

These Terms of Conditions are effective from 1 July 2023.