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TransUnion Terms and Conditions of Use Welcome and thank you for logging in to access services offered by TransUnion Credit Bureau ("TransUnion"). Please note that your use of this access system and the services is subject to the provisions of your subscription agreement as well as the terms and conditions set out below. These terms and conditions may change from time to time in the sole discretion of TransUnion, so please familiarise yourself with the terms and conditions on a regular basis. By using this access system and the services offered by TransUnion, you signify your acceptance of these terms and conditions. If there is any inconsistency between the provisions of the subscription agreement and these terms and conditions, the terms of the subscription agreement shall prevail. Terms & Conditions: The subscriber warrants that: - 1. NCA 1.1. In terms of Section 68 of the National Credit Act ( the "Act"), there are certain rights and obligations imposed upon credit bureaux to ensure that consumer credit information and any other information is reported or released for the purposes prescribed by the Regulations published in terms of the Act or contemplated in the Act. The Act creates a right to confidential treatment of any confidential information received, compiled, retained and /or disclosed in accordance with the Act. The warranties set out in this 1, inter alia, outline strict measures imposed by the Act and Regulations which all subscribers are required to accept in order to access TransUnion Credit Bureau's ("TransUnion") services. 1.2. You warrant that: - 1.2.1. You are entitled to request and receive consumer credit information for lawful purposes, subject to Section 68 of the National Credit Act (NCA) read with Regulations 18(4) and 18(5), and for any other purpose that TransUnion is lawfully entitled to disclose the consumer credit information held by it to you. 1.2.2. You will at all times comply with the requirements for the receipt, compilation and reporting of information as prescribed by the NCA and any other legislation. 1.2.3. You shall, when using the services of TransUnion, have obtained all consents required by the Act. https:llat.transunion.co.za/Menu/Disclaimer.htm Page I of 3 5/9/2014 1.2.4. You will give your customers/consumers 20 business day's notice of your intention to submit adverse consumer credit information in respect of the customers /consumers to TransUnion. 1.2.5. You have taken reasonable steps to ensure that the information which you report to TransUnion is accurate, up-to-date, relevant, complete, valid and not duplicated. 1.2.6. You will not submit consumer credit information in respect of a debt that has prescribed in terms of the Prescription Act 68 or 1969, to TransUnion. 1.2.7. You do not and will not (unless lawfully entitled to do so) take an upfront fee to remove or clear a person's name from the records of a credit bureau. 1.2.8. Any adverse consumer credit information submitted by you to TransUnion does not form part of any dispute between you and your customer/consumer. 1.2.9. You shall not (and only where it is necessary) without the consent of the consumer transmit Personal Information in respect of the consumer to TransUnion; and that TransUnion Credit Bureau may share such information with other registered credit providers and its customers for the purposes required or permitted by the Act. 1.2.10. Any information conveyed by you to TransUnion may be used by TransUnion in the normal course of its business as a registered credit bureau and may be accessed and used by other credit providers and customers of TransUnion. 1.2.11. All users accessing the services of TransUnion on your behalf have been duly authorized to do so by you. 1.2.12. You are aware that the Act imposes civil and criminal penalties, including fines and imprisonment against anyone who knowingly and wilfully reports or obtains confidential information and/or consumer credit information on a consumer from a credit bureau under false pretences and for purposes not permitted or contemplated by the Act. 1.3. By requesting principal information when performing business enquiries with TransUnion you acknowledge and agree that the principal information will be used for business evaluation purposes only. You are aware that if you use the principal information for any other reason you shall be in contravention of the Act. You confirm that you are aware that contravening the Act may be an offence under the Act. 2. Access 2.1. Unless otherwise agreed in writing, TransUnion reserves the right and shall be entitled to modify, suspend or discontinue the electronic accessing system, any electronic platform or web-based or other electronic service delivery mechanism (collectively "access systems"), whether temporarily or permanently, without notice to you. TransUnion may impose limited or conditions on access to the access systems, services, features or functions. 2.2. TransUnion shall be entitled to intercept, block, filter, read, delete, disclose and use all communications sent or posted by you to or through the access systems. 2.3. You may only access and use the access systems or any of the information https://at.transunion.co.za/Menu/Disclaimer.htm Page 2 of3 5/9/2014 or materials provided to you through or by virtue of the access systems, in a lawful manner and for lawful purposes. 2.4. You may not establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise, to the access systems or any subsidiary pages of the access systems nor may you use any of the information acquired by you through or by virtue of the access systems for purposes of electronic clipping. 2.5. You undertake not to exploit or use the access systems in any unlawful manner or in a manner that violates any agreement which you may have concluded with TransUnion. 2.6. You may not do anything to compromise the stability or security of the access systems including, inter alia, by delivering, sending or installing damaging code (including computer viruses) to or on the access systems or the server or network that supports the access systems. If you breach the provisions of this 2.1.6, you will, in addition to any criminal prosecution, be liable for all loss, liability, damages and expenses suffered by TransUnion as a result of or arising from such breach and you indemnify TransUnion against such loss, liability, damages and expenses. 3. Intellectual Property Rights 3.1. All elements of the access systems, including, inter alia, the general design, look and feel, logos and imagery, are protected by trade restrictions, copyright, trademarks and other laws relating to intellectual property rights. 3.2. You undertake not to copy, reproduce, modify, reverse engineer, adapt, publish, sell, distribute or transmit the access systems or any intellectual property rights in the access systems. 3.3. The access systems and all related rights shall remain the exclusive property of TransUnion (or its subsidiaries or holding company or subsidiaries of its holding company) or its licensors, as the case may be. https:llat.transunion.co.za/Menu/Disclaimer.htm Page 3 of3 5/912014
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Sokoza Loans reserves the right at any time to change or discontinue any aspect, service or feature of any of its products. All information is provided “as is” and should not be treated as professional or financial advice of any kind. Applicants must seek independent professional advice prior to taking any action based on the contents of the material. The services provided by Sokoza Loans are only available to residents of the Republic of South Africa (RSA) (“RSA residents”), with a valid bar-coded Identity Document. Any use or attempted use of the services by any one else could result in civil action or criminal prosecution. The Applicant acknowledges that a credit risk inquiry may be undertaken by Sokoza Loans and the Applicant hereby grants its consent thereto. The Applicant acknowledges that, as a result of the credit risk inquiry, a loan may be granted for an amount less than what was applied for. The Applicant hereby consents to and accepts being granted a loan for such lesser amount. We use industry-standard encryption technologies when transferring and receiving consumer data exchanged with our site. The loan fees are as follows: This is calculated as follows – Your initial loan amount, plus 36% interest and a R57 Initiation fee. The loan will be repayed back via debit order, authorization of which is below: This Authority and Mandate refers to our contract as dated as on application hereof. I hereby authorise you to issue and deliver payment instructions to the bank for collection against my abovementioned account at my above mentioned bank on condition that the sum of such payment instructions will never exceed my obligations as agreed to in the Agreement. The individual payment instructions so authorised to be issued must be issued and delivered as follows i. If there are insufficient funds in the nominated account to meet the obligation, you are entitled to track my account and re-present the instruction for payment as soon as sufficient funds are available in my account; I understand that the withdrawals hereby authorised will be processed through a computerized system provided by the South African Banks and I also understand that details of each withdrawal will be printed on my bank statement. Each transaction will contain a number, which must be included in the said payment instruction and if provided to you should enable you to identify the Agreement. A payment reference is added to this form before the issuing of any payment instruction. I shall not be entitled to any refund of amounts which you have withdrawn while this authority was in force, if such amounts were legally owing to you. Mandate I acknowledge that all payment instructions issued by you shall be treated by my above mentioned bank as if the instructions had been issued by me personally. These web pages may contain inadvertent inaccuracies or typographical errors. These will be corrected at Sokoza Loans’s discretion, as they are found. The information on these web pages is updated regularly, but inaccuracies may remain or occur where changes occur between updates. These terms and conditions are governed by and construed in accordance with the laws of the Republic of South Africa. If for any reason you feel that we have not followed our stated policy, please email us on info@Sokoza.co.za. We will look into your concern and try to resolve any problem.
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