CreditGenius CreditGenius
CreditGenius

Terms of Use

TODO(legal): review for NCA/NCR compliance before publishing.

Date: 15.06.2026

Welcome to Adwells Group OÜ (registration number 17379392, registered address Aiandi tn 13/1, Tallinn 12918, Republic of Estonia) (referred to as “Adwells Group”, “we”, “us” or “our”) and to our website at www.creditgenius.co.za (the “Site”), and all related websites, downloadable software and services we provide under these Terms of Use (together with the Site, our “Services”).

These Terms of Use (“Terms”) explain the conditions under which you may use our online services, the Site and the software provided in connection with the service. These Terms also govern all communications with us by telephone, email, text message or otherwise. By accessing or using the Site in any direct or indirect way, you acknowledge that you have read and understood these Terms, that you agree to be bound by them, and that you consent to the collection and use of your personal information as set out in the Privacy Policy, regardless of whether or not you are registered as a user of our Site. These Terms apply to all visitors, users and other persons who access or use the Site (“Users”).

Please read these Terms carefully. These Terms constitute a legally binding agreement. If you do not agree to these Terms, you must not access the Site or use the Services.

We reserve the right to amend these Terms from time to time. If we make changes, we will post the amended Terms on the Site and indicate the date of the last revision at the top of this page. The revised version will take effect at the time we post it. You understand and agree that your continued use of the Services or the Site after we have made such changes means that you accept the new Terms.

You understand and agree that Adwells Group operates through its registered trade mark CreditGenius (“Trade Mark”). All references to the Trade Mark are deemed to refer to Adwells Group. You understand and agree that all consents you give on our Site are granted to Adwells Group.

Terms of the Services

1.1 We provide a platform that allows users to compare different financial products available in the market, for example:

(a) financial products provided by Adwells Group’s non-affiliated partners (“Partner(s)”); and

(b) third-party services, where the financial product information is provided for comparison purposes only.

1.2 Adwells Group is not a credit provider, product provider or financial adviser, nor do we act as an agent of any credit provider. We do not offer any financial products through the Site, nor do we approve any products, and we will not be a party to any agreement concluded with a Partner or a third party. All information on our Site is for informational purposes only. CreditGenius is a free loan-comparison and loan-finder service. Our Services enable you to create a profile based on personal information submitted by you or collected by us — including your previous financial conduct — to compare financial offers from different Partners and, at your election, to decide whether or not to enter into a credit agreement with a selected Partner; the presentation of such offers, as well as the application for and conclusion of any credit agreement, take place directly on the Partner’s own website and on the terms and conditions set by that Partner.

1.3 The Services may only be used by a natural person (i.e. not a company or other corporate entity) who is able to enter into a binding agreement with Adwells Group. You confirm to us that (a) you are at least 18 years of age, and (b) you may lawfully use the Services under the laws of your place of residence. You are prohibited from using the Services if you have previously been removed from the Services.

1.4 We focus on the use of smart financial technology (fintech) to facilitate your access to different financial products available in the market. Our technology organises and presents, for comparison and informational purposes, the conditions published by Partners and information drawn from public sources, so that you can compare and freely choose whether or not to enter into an agreement. We do not match you with a specific product.

1.5 You may preview different financial products without entering into any binding agreement with the Partner or any third party whose financial product information is provided through the Site for comparison purposes.

1.6 We do not guarantee that the price, financial product, availability, fees, or any other financial product term provided on the Site are the best terms available in the market. Final terms are determined by the Partner or the third party whose financial products are provided for comparison purposes.

1.7 In the case of personal loans, any loan application is made directly on the Partner’s own website once you have been redirected there; the Partner independently analyses the application and makes its own decision. We do not receive, process or transmit loan applications. The processing and granting period depends on each Partner, and approval by a Partner is not guaranteed.

1.8 Information about different financial products available in the market is provided for comparison purposes only, with no relationship to the third party providing the product. The comparison is based on information from public sources and may not be accurate. If you identify a product that suits you, you will be redirected to the third party’s website.

1.9 All your financial obligations, including negotiating the terms and amounts of a loan, as well as any offer and the entering into of any agreement, must be conducted directly with the Partner to which you have been redirected through our Services.

1.10 If you have been redirected to a Partner’s or third party’s website, we accept no responsibility for you and/or the Partner or third party arising from that redirection. After such redirection, you are free to choose whether or not to use any service or product of that Partner or third party. You acknowledge, understand and agree that following such redirection you will be solely responsible for choosing and using the products and services of any Partner or third party and that you have carefully read and understood the obligations, terms and conditions relating to the products and services you choose to use.

1.11 We recommend that you read and ensure you understand the terms and conditions of the financial products and the Partner’s privacy policy, and that you seek independent professional advice if necessary, before entering into any agreement with a selected Partner or third party whose products you may view for comparison purposes.

1.12 You acknowledge that (a) the Services have not been designed to meet your individual requirements; (b) the operation of the Services may from time to time experience technical or other difficulties and will not necessarily continue without interruptions or errors; and (c) the Services are not fault-tolerant.

1.13 We will take all steps reasonably expected of us to ensure that the Services are available to you, operate securely, reflect the latest technological solutions and are convenient to use.

1.14 You understand and agree that we have the right to improve and enhance the technical structure, security, availability and functionality of the Services at any time. You understand and agree that we are under no obligation to improve, modify or replace any part of the Services or to continue developing or releasing new versions of the Services.

1.15 Your selection and use of the Services and the Site is at your own choice and risk, as is your exposure to, downloading and uploading, and the transmission and possession of information, programs and other material through or as a result of the Services.

1.16 You may stop using the Services at any time. You need not inform us when you stop using the Services, unless you wish to terminate the agreement with us.

1.17 You understand and agree that we reserve the right at any time to modify or discontinue, temporarily or permanently, the Services (or any part thereof), or to change their features (for example, relating to data capacity or loading speed). We will not be liable to you or to any third party for any modification, price change, suspension or discontinuation of the Services.

1.18 The Service through the Site is intended for users who reside in South Africa only.

1.19 Our activity constitutes advertising and the comparison of information. Our remuneration comes from Partners for the redirection of traffic (per click or referral) and does not depend on the conclusion of any credit agreement.

Accounts

2.1 When you use our Services, an account will be created for you after you accept these Terms (“Account”). The email address you provide to us will be linked to your Account and will be used to identify you.

2.2 You undertake to provide true, accurate and complete information as required by the Services and all forms accessed through the Services. You agree to update the information you provide through the Services if it changes, so as to ensure its accuracy and completeness. You are responsible for the accuracy of the information you provide. If your information is not true, accurate or complete, this may affect the comparison results and information displayed to you. Information displayed is for comparison and informational purposes only and does not constitute an offer.

2.3 You must notify Adwells Group immediately of any security breach or unauthorised use of your Account. Adwells Group will not be responsible for losses caused by unauthorised use of your Account.

2.4 You must notify Adwells Group immediately of any unauthorised use of your Account.

2.5 You hereby agree to hold harmless and indemnify us and any of our affiliates, subsidiaries, partners, designated operators and assigns from any liability, damages or costs arising from access to and use of your Account.

2.6 You are responsible for all activities that occur in your Account, whether carried out by you or any other person using your Account. We assume no responsibility to you or any other person for any breach of your obligations under these Terms. You hereby agree to hold harmless and indemnify us and any of our affiliates, subsidiaries, partners, designated operators and assigns from any liability, damages or costs arising from such breaches.

2.7 We cannot control content posted by the User while you or a third party is using our Services.

2.8 You may not post, upload, transmit, deliver, execute or store any material that is unlawful, offensive, threatening, defamatory, obscene or otherwise objectionable or illegal, or engage in any such conduct. Examples of inappropriate conduct include, but are not limited to:

  • engaging in or contributing to any unlawful activity or activity that violates the rights of others;

  • providing false, misleading or inaccurate information;

  • hacking or modifying the Services;

  • engaging in any activity that maliciously disrupts or interferes with the Services;

  • impersonating or implying an affiliation with Adwells Group or any organisation with which you have no employment or affiliated relationship, or misrepresenting the extent of your affiliation or role with Adwells Group or any affiliated organisation;

  • disclosing login information, including but not limited to passwords, without the express permission of the person concerned, Adwells Group or the organisation that provided it;

  • transmitting any virus, worm, harmful software, computer virus or malicious code;

  • disclosing, without authorisation, personal information belonging to other individuals, Adwells Group or any other organisation;

  • altering the user interface of the Services in a way that impairs access, affects functionality and/or inhibits access to or the display of advertisements;

  • collecting content or harvesting information belonging to our Users, or otherwise accessing the Services using automated means (such as scrapers, spiders, robots or avatars) without our permission;

  • requesting login information or accessing another User’s Account;

  • removing or altering, visually or otherwise, trade marks, logos or other marks that are our property or used by us;

  • forging, manipulating or misrepresenting messages, communications, headers or identifiers to imply an association with us or the Services;

  • posting, displaying or transmitting in any manner proprietary information, copyright material or other intellectual property (for example, trade marks) that does not belong to you, without the prior written consent of the owner of those rights.

    2.9 We reserve the right to immediately suspend the Account or terminate without notice the contract of any User in the event of any conduct we consider unacceptable while using or through the Services.

Intellectual Property

3.1 You acknowledge and agree that all related Intellectual Property belongs and will belong to us. You will not acquire any right, title or interest in the Intellectual Property or otherwise in connection with the Services, except for the licence set out in these Terms.

3.2 You are granted a limited, non-exclusive, non-sublicensable and non-transferable licence to use the Services in accordance with these Terms. This licence does not include the right or licence to copy, modify, distribute, process, translate, extract, transmit, add to compilations or databases, make available to the public, publicly display, make additions to or create derivatives, reverse engineer, decompile, rent, sell for a fee or licence to third parties, or exploit the Services, their software or any part or element thereof, or to otherwise use the Intellectual Property in a manner not permitted under these Terms.

3.3 All software that you may download through our Services is protected by copyright. You may not disable, circumvent or violate security measures or other technological means designed to protect the software or any other content available through the Services.

3.4 If you fail to comply with the licence provisions, infringe the Intellectual Property relating to the Services or go beyond the scope of the licence, we will have the right to suspend your Account without notice or to terminate the Terms of Service without notice, with the possibility of legal action.

3.5 We also respect the Intellectual Property of third parties and may, in appropriate circumstances and at our sole discretion, suspend any Account or terminate the Terms through which the rights of others are infringed.

Data Protection

When you use our Services and Site, you accept our Privacy Policy. Please read it carefully to understand how we collect, use, share and protect your information.

We care about the privacy and security of our Users. You understand that by using the Services you agree to the collection, use and disclosure of your personally identifiable information and aggregated data as set out in our Privacy Policy, and that your personally identifiable information will be collected, used, transferred and processed as contemplated in our Privacy Policy.

In order for us to provide the Services to you, when you provide us with your information, we will share that information with Partners to enable certain functionality on the Site or through the Services.

We do not transmit to Partners any loan application for the purpose of processing, preparing or expediting the conclusion of a credit agreement. However, we may transmit to the Partner the information necessary to verify that you are a real person — and not a bot, an automated system or a fraud attempt — who is interested in learning about available loan offers. When you decide to visit a Partner’s website, you are redirected to that Partner’s own website, where you provide the Partner directly with the information necessary for any application or conclusion of an agreement. Any processing of data by us is limited to what is necessary to provide the comparison and information service and to effect that redirection, as described in the Privacy Policy.

You acknowledge, understand and agree that by providing your information to Adwells Group and by continuing to use the Site for the purposes of the service, you (i) act in a manner that clearly indicates your intention to do so and you consent to being automatically redirected to pages (e.g. websites) of Partners or related to the Partners’ offer(s), and (ii) based on your information, Adwells Group may automatically redirect you to that Partner’s page (e.g. the Site). You acknowledge that Adwells Group has all required consents and authorisations to redirect you to the Partner’s own page. After such redirection, you are free to choose whether or not to use the services or products of that Partner. You acknowledge, understand and agree that with such redirection you will be solely responsible for the choices you make and the use of the products and services that the Partner may provide to you; you further acknowledge that you have carefully read and understood the obligations, terms and conditions relating to the Partner’s products and services you have chosen.

The data collected is adequate, relevant and not excessive in relation to the defined, explicit and legitimate scope, purposes and services of Adwells Group. Notwithstanding the foregoing, all processing of data may be revoked at any time by the affected parties through the exercise of their rights. The User may exercise their rights of access, correction, deletion and objection to the processing of their personal information by contacting us in writing at the address mentioned above, by logging into their User Account, or by contacting us through our customer support service.

Indemnity

You agree that you are solely responsible for your use of the Services and the Site. You agree to defend, indemnify and hold harmless Adwells Group and its affiliates, as well as their respective officers, directors, agents, employees, and credit providers (and their respective officers, directors, agents and employees), from and against all claims, damages, obligations, losses, liabilities, costs or debts and expenses (including, without limitation, attorneys’ fees) arising from: (i) your use of and access to the Services, including any data or content transmitted or received by you; (ii) your breach of any provision of these Terms, including, without limitation, your breach of any of the representations and warranties; (iii) your violation of any third-party rights, including, without limitation, any privacy or intellectual property rights; (iv) your violation of any applicable law, rule or regulation; (v) any claims or damages arising as a result of any content you submit or transmit through your Account; or (vi) access to and use of the Services by third parties using your unique username, password or other security code. Adwells Group reserves the right, but not the obligation, at our own expense, to assume the exclusive defence and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defence of such claim.

Limitation of Liability

6.1 THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO (i) IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT; OR (ii) ANY WARRANTY ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE. YOU UNDERSTAND AND AGREE THAT NOTHING IN CONNECTION WITH THE SERVICES CONSTITUTES INVESTMENT, LEGAL AND/OR OTHER PROFESSIONAL ADVISORY SERVICES.

6.2 IN NO EVENT SHALL ADWELLS GROUP, ITS AFFILIATES, CREDIT PROVIDERS OR THEIR RESPECTIVE AGENTS, DIRECTORS OR EMPLOYEES BE LIABLE TO YOU OR THIRD PARTIES FOR ANY INCIDENTAL OR CONSEQUENTIAL, SPECIAL AND PUNITIVE OR OTHER LOSS OF REVENUE OR DATA, WHETHER DIRECT OR INDIRECT, ARISING FROM OR OTHERWISE RELATED IN ANY WAY TO THE USE OF THE SERVICES OR ANY CONTENT ON THE SITE OR OTHER MATERIALS ON THE WEBSITE OR ACCESSED THROUGH IT, EVEN IF ADWELLS GROUP IS AWARE OF OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

6.3 WITHOUT PREJUDICE TO ANY CONTRARY PROVISION, TO THE EXTENT PERMITTED BY APPLICABLE LAW, ADWELLS GROUP’S LIABILITY TO YOU, FOR ANY CAUSE AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT YOU HAVE PAID TO ADWELLS GROUP FOR USE OF THE SERVICES OR TO R1 500 (ONE THOUSAND FIVE HUNDRED RAND), WHICHEVER IS LOWER.

6.4 YOU ASSUME ALL RISKS AND ANY DAMAGES ARISING FROM YOUR USE OF THE SERVICES. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH USE OF THE SERVICES IS DOWNLOADED AT YOUR OWN RISK AND YOU WILL BE RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA RESULTING FROM SUCH DOWNLOAD OR YOUR USE OF THE SERVICES. ADWELLS GROUP IS NOT RESPONSIBLE OR LIABLE FOR ANY PERSONAL INJURY OR PROPERTY DAMAGE OF ANY NATURE CAUSED TO YOU BY ACCESS TO THE SERVICES OR USE OF THE SITE.

6.5 ADWELLS GROUP DOES NOT GUARANTEE THAT THE AVAILABILITY OF THE SERVICE AND ACCESS TO IT WILL BE CONTINUOUS AND UNINTERRUPTED AND ASSUMES NO RESPONSIBILITY FOR (I) ANY INTERRUPTION OR CESSATION OF TRANSMISSION OF THE SERVICES; (II) ANY UNAUTHORISED ACCESS OR USE OF OUR SERVERS AND/OR ANY PERSONAL INFORMATION STORED THEREON; (III) USER CONTENT OR THE DEFAMATORY, OFFENSIVE OR UNLAWFUL CONDUCT OF THIRD PARTIES; (IV) ERRORS, VIRUSES, TROJAN HORSES OR SIMILAR ITEMS THAT MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY THIRD PARTIES; (V) WHETHER THE WEBSITE OR SERVICES WILL BE AVAILABLE AT ANY TIME OR IN ANY LOCATION, WITHOUT INTERRUPTION OR SECURE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS; AND/OR (VI) WHETHER ANY DEFECT OR ERROR WILL BE CORRECTED.

6.6 ADWELLS GROUP DOES NOT GUARANTEE AND ASSUMES NO RESPONSIBILITY FOR THE EXISTENCE OF ERRORS, DEFECTS OR OTHER INACCURACIES IN THE INFORMATION, CONTENT OR MATERIAL PROVIDED IN THE SERVICES. IT IS YOUR RESPONSIBILITY TO CONFIRM THE ACCURACY OF INFORMATION DISPLAYED ON THE SITE OR PROVIDED THROUGH THE SERVICES DIRECTLY WITH THE PARTNERS.

6.7 CONTENT, INFORMATION AND SERVICES ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY. ALL FINANCIAL DECISIONS MADE BY YOU ARE YOUR RESPONSIBILITY AND IT IS YOUR DUTY TO CONSULT A FINANCIAL ADVISER WHO UNDERSTANDS AND IS FAMILIAR WITH YOUR SPECIFIC FINANCIAL CIRCUMSTANCES BEFORE MAKING ANY FINANCIAL DECISION. NOTHING ON THE WEBSITE SHOULD BE INTERPRETED AS FINANCIAL ADVICE OR A RECOMMENDATION.

6.8 WE MAKE NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, IN RELATION TO ANY CREDIT PROVIDER OR THIRD PARTY, INCLUDING THOSE HYPERLINKED FROM OUR SITE OR SERVICES. ADWELLS GROUP EXPRESSLY DISCLAIMS ALL RESPONSIBILITY ASSOCIATED WITH PARTNER OR THIRD-PARTY WEBSITES, MATERIALS, PRODUCTS OR INFORMATIONAL SERVICES, INCLUDING BUT NOT LIMITED TO OFFERS, PRE-QUALIFIED PRICES OR QUOTES. YOU UNDERSTAND AND AGREE THAT THESE TERMS, THE PRIVACY POLICY AND OTHER TERMS AND POLICIES DO NOT APPLY TO YOUR USE OF PARTNER OR THIRD-PARTY WEBSITES. ADWELLS GROUP IS NOT A PARTY TO ANY TRANSACTION BETWEEN YOU AND A CREDIT PROVIDER OR THIRD PARTY. YOU ACKNOWLEDGE, UNDERSTAND AND AGREE THAT ALL MATTERS RELATING TO THE PRODUCTS OR SERVICES OF ANY CREDIT PROVIDER OR THIRD PARTY, INCLUDING BUT NOT LIMITED TO PAYMENT TERMS, PURCHASE TERMS, FEES, QUOTES, WARRANTIES, MAINTENANCE AND DELIVERY, WILL BE A MATTER OF AGREEMENT SOLELY BETWEEN YOU AND THE CREDIT PROVIDER OR THIRD PARTY, REGARDLESS OF WHETHER THE TRANSACTION ORIGINATED ON OUR WEBSITE OR THROUGH OUR SERVICES, AND YOU EXPRESSLY RELEASE ADWELLS GROUP FROM ANY RESPONSIBILITY FOR YOUR USE OF PARTNER OR THIRD-PARTY WEBSITES, PRODUCTS OR SERVICES, AS ADWELLS GROUP DOES NOT ENDORSE OR RECOMMEND THE PRODUCTS OF ANY PARTICULAR PARTNER OR THIRD PARTY.

6.9 WE ASSUME NO RESPONSIBILITY FOR THE RELATIONSHIP AND INTERACTIONS BETWEEN YOU AND A CREDIT PROVIDER OR THIRD PARTY. WE DO NOT GUARANTEE THE APPROVAL OF ANY CREDIT BY ANY CREDIT PROVIDER, NOR THE SUPPLY BY THEM OF CREDIT OFFERS OR THEIR PRODUCTS OR SERVICES. IF A CREDIT PROVIDER OFFERS YOU A PRODUCT OR SERVICE OR APPROVES YOUR APPLICATION, WE DO NOT GUARANTEE THAT THE TERMS, FEES OR OFFERS ARE THE BEST AVAILABLE IN THE MARKET OR FROM THAT CREDIT PROVIDER. WE DO NOT PARTICIPATE IN THE OFFERS, CONCLUSION OR EXECUTION OF ANY CREDIT PROVIDER PRODUCT OR SERVICE AND HAVE NO OBLIGATION TO VERIFY OR MONITOR THEM; FURTHERMORE, WE DO NOT GUARANTEE THAT INFORMATION PROVIDED BY USERS OR INFORMATION DISPLAYED FROM CREDIT PROVIDERS OR THIRD PARTIES IS ACCURATE. ANY CORRESPONDENCE YOU HAVE WITH CREDIT PROVIDERS, AS WELL AS THE TERMS AND CONDITIONS, POLICIES, DISCLOSURES, PRODUCTS, SERVICES OR OTHER MATTERS OF CREDIT PROVIDERS, IS SOLELY BETWEEN YOU AND THE CREDIT PROVIDER AND WE ASSUME NO COMMITMENT, RESPONSIBILITY OR OBLIGATION IN THAT REGARD. WE DO NOT ACCEPT ANY OFFER ON YOUR BEHALF. YOU ARE SOLELY RESPONSIBLE FOR THE OFFERS YOU ACCEPT.

Third-Party Websites

7.1 The Services may contain links to third-party websites that are not owned or controlled by us. We accept no responsibility for the content, terms and conditions, privacy policies or practices of third-party websites. We do not censor or edit third-party website content.

Prohibition on Solicitation and Resale

8.1 You may not use the Services to solicit, interfere with or attempt to attract any of our clients, users or subscribers.

8.2 The Services are for your own personal use only. Unless authorised under these Terms, you agree not to resell, share, duplicate, copy, distribute, lease, access or provide parts of the Services for commercial purposes.

Anti-Money Laundering

9.1 You agree to provide us at any time with any information we determine to be necessary and appropriate to verify compliance with applicable anti-money laundering regulations in any relevant jurisdiction.

9.2 If you have reason to believe that any financial crime of any kind may be connected to transactions entered into through the Services, you must contact us or directly contact the relevant authorities.

Termination

10.1 You may terminate your agreement with us at any time.

10.2 We reserve the right to suspend or cancel your Account at any time without notice for any of the following reasons: (a) we have reason to suspect you are connected to unlawful or illegal activities or to an organisation prohibited by applicable law; (b) we have become aware of actual or potential unauthorised use of your Account data or any other actual or potential security breach, or we otherwise suspect that there has been some unauthorised or fraudulent use of your Account; (c) it becomes or may become unlawful or contrary to applicable laws or regulations to continue to allow you to use the Services; (d) you have breached these Terms and failed to remedy that breach within 7 (seven) days of receiving our notice, or you no longer meet the registration criteria set out in these Terms; (e) we are required to take these measures under applicable law or as directed by a court or other body of competent jurisdiction; or (f) your Account has been inactive for 12 (twelve) months.

10.3 Upon termination of your Account, you (a) will cease using the Services and all rights granted to you under these Terms will terminate, and (b) we will delete the User content, and you understand and agree that we may retain certain information and data in an anonymous form to further develop the Services (for example, statistics, to train machine learning algorithms).

10.4 Any suspected unlawful activity may be sufficient grounds to cancel the Account and may be referred to the relevant law enforcement authorities.

Governing Law

11.1 These Terms are governed by the laws of the Republic of Estonia. Disputes and disagreements will be resolved through negotiation between the parties. If no agreement is reached within a reasonable period, the dispute will be resolved in the Harju County Court (Harju Maakohus), Tallinn, Estonia.

11.2 For the avoidance of doubt, nothing in these Terms deprives you of the protection afforded to you as a consumer under the mandatory provisions of the law of your place of residence, including applicable provisions of the National Credit Act 34 of 2005.

Miscellaneous

12.1 These Terms, together with the Privacy Policy and other policies linked to these Terms, as applicable, constitute the complete and exclusive agreement between you and Adwells Group with respect to the use of and access to the Services.

12.2 The following sections survive termination of these Terms: Intellectual Property, Limitation of Liability, Indemnity and Data Protection.

12.3 If any provision of these Terms is found to be invalid by a court of competent jurisdiction, the invalidity of that provision will take effect to the greatest extent possible and will not affect the validity of the remaining provisions of these Terms, which will remain in full force and effect.

12.4 No waiver of any term of these Terms will be considered a further or continuing waiver of that term or any other term, and Adwells Group’s failure to assert any right or provision under these Terms will not constitute a waiver of such right or provision.

12.5 Unless otherwise specified in these Terms, all notices will be in writing and will be deemed properly delivered when received; if delivered in person or sent by certified or registered mail, return receipt requested; or if transmitted by email, no later than the fifth (fifth) day after sending, unless the sender receives a notice of delivery failure and the recipient does not electronically confirm receipt before then; or the day after sending, if sent for next-day delivery by a recognised overnight delivery service.

12.6 Electronic notices will be sent: (a) to us at the email address hello@creditgenius.co.za; and (b) to you, at the email address associated with your Account.

Representative Example

  • Minimum repayment period: 91 days
  • Maximum repayment period: 120 days
  • Annual Percentage Rate (APR): 0% to 317%
  • Maximum APR: 317%

Representative example: A loan of R3 000 repayable over 91 days. Total interest and fees will be R624.00, and the total amount repayable will be R3 624.00, at an APR of 113.39%.

CreditGenius is a free comparison service and is not a registered credit provider. All credit is subject to the credit provider’s own terms, eligibility criteria and affordability assessment under the National Credit Act 34 of 2005. Responsible lending — only borrow what you can afford to repay.