TERMS AND CONDITIONS

Welcome to Simply Credit. We place you as the customer at the forefront of our business and believe your privacy and information security is of the utmost importance. Our standards and policies are structured in the most customer friendly and watertight way possible. Our Privacy Policy applies to all current and former clients. It should be read in conjunction with the SimplyCredit Terms and Conditions as read by our professional telesales consultants. In the terms and conditions stated here, whenever we use “us”, “we” and “our”, it refers Simply Talk (PTY)LTD and “you” and “your” refers to anyone who uses the Simply Credit product or network. If you violate any of the terms mentioned herein, your right to access and use this website shall be terminated immediately.

We reserve the right to make changes to these Terms of Use from time to time without providing any prior notification. The amended Terms of Use are effective from the date they are announced on this website. As these Terms of Use are amended from time to time, you must check them whenever you visit this website. Your continued access and use of this website shall represent your acceptance of the amended Terms of Use.

SERVICE POLICY
We offer an independent online service that allows you to compare loans, provided by third parties. If client do not qualify for their loans, we then assist with Debt Consolidation or Debt Mediation ensuring clients that qualify have more disposal income by reducing their bills by up to 40%-60% (Provided by third parties).Our comparison service is free. We earn money by charging the concerned third party provider a fee and/or commission for the leads generated. We additionally allow you to get assistance and help offline (such as over the telephone) on using this website either from us or from a third party related to our offered products or services. We do not charge you for this service.

Please bear in mind that nothing on this website ought to be thought of as financial advice or a recommendation of any of the featured products or services. Information on this website is provided to help you choose the product or service that best meets your needs. However, it is solely your responsibility to check the suitability of the product or service that is of interest to you and it is your decision to get or refrain from getting any product or service.

Please bear in mind that nothing on this website is, or shall be deemed to represent, a proposal by us or any third party to sell to you any product or service or to enter into any contract with you in respect to any product or service. By giving us your details, you are making a proposal to get the relevant product or service from the relevant third party based on its terms and conditions.

We aim to give you uninterrupted access to the current website. However, we cannot assure you of uninterrupted availability of this website. We have the right to suspend, limit or terminate your access to the current website at any time.

We reserve the right to feature, amend, delete, edit, take away or modify any data, content, material displayed on this website at any time.

Export restriction (Optional) The offering on this website is available to South African clients only
Return and Refunds policy The provision of goods and services by SimplyCredit is subject to availability.
Customer privacy policy, Simply Talk (PTY) LTD shall take all reasonable steps to protect the personal information of users. For the purpose of this clause, “personal information” shall be defined as detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA). The PAIA may be downloaded from: http://www.polity.org.za/attachment.php?aa_id=3569

Payment options accepted Payment may be made via Visa, MasterCard, Diners or American Express credit cards or by bank transfer into the ABC bank account, the details of which will be provided on request Credit card acquiring and security.

Credit card transactions will be acquired for, Simplyb Talk (PTY) LTD via PayGate (Pty) Ltd who are the approved payment gateway for Standard Bank of South Africa. PayGate uses the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no credit card details are stored on the website. Users may go to www.paygate.co.za to view their security certificate and security policy.

Customer details separate from card details Customer details will be stored by, Simply Talk (PTY) LTD separately from card details which are entered by the client on PayGate’s secure site. For more detail on PayGate refer to www.paygate.co.za

Merchant Outlet country and transaction currency The merchant outlet country at the time of presenting payment options to the cardholder is South Africa. Transaction Currency is South African Rand (ZAR).

Responsibility Simply Talk (PTY) LTD takes responsibility for all aspects relating to the transaction including sale of goods and services sold on this website, customer service and support, dispute resolution and delivery of goods Country of domicile This website is governed by the laws of South Africa and Simply Talk (PTY) LTD chooses as its domicilium citandi et executandi for all purposes under this agreement, whether in respect of court process, notice, or other documents or communication of whatsoever nature, 28 Mona Road, Durban, 4000
info@simplycredit.co.za Support: (021) 201 1245