Terms and Conditions

Introduction

Welcome to the Thuso Fin (PTY) LTD website. These Terms and Conditions ("Terms") govern your use of our website and the services provided by Thuso Fin (PTY) LTD ("Company", "we", "our", "us"). By accessing or using our website, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, please do not use our website.

Services Provided

Thuso Fin (PTY) LTD specializes in providing short-term loans exclusively through our online platform. Our goal is to offer fast, reliable, and confidential financial services to individuals facing immediate financial needs.

Eligibility

To use our services, you must:

Be at least 18 years old.
Be a South African citizen or a legal resident.
Have a valid South African ID or passport.
Have a valid bank account in South Africa.
Meet our credit and affordability checks.

Application Process

The application process for our short-term loans is as follows:

User Registration: Create an account on our website and provide necessary personal information.
Application and Credit Check: Fill out the loan application form. We will perform a credit check to assess your creditworthiness.
Affordability Checks and Debit Mandate Approval: We will conduct affordability checks to ensure you can repay the loan. Your bank must approve the debit mandate.
Funds Disbursement: Once all checks are completed and approved, funds will be disbursed directly to your bank account.

Loan Agreement

Upon approval of your loan application, you will be required to enter into a loan agreement with Thuso Fin (PTY) LTD. This agreement will outline the terms and conditions of the loan, including the interest rate, repayment schedule, and any applicable fees.

Fees and Charges

Thuso Fin (PTY) LTD charges interest and fees on the loans provided. The specific details of these charges will be disclosed in the loan agreement. It is your responsibility to review and understand these charges before accepting the loan.

Repayment

Repayment of the loan will be done via debit order from your bank account. It is your responsibility to ensure sufficient funds are available in your account on the agreed repayment dates. Failure to repay the loan on time may result in additional fees and impact your credit rating.

Use of the Website

By using our website, you agree to:

Provide accurate and complete information during the registration and application process.
Use the website for lawful purposes only.
Not engage in any activity that could harm or interfere with the website’s functionality.

Privacy Policy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Limitation of Liability

Thuso Fin (PTY) LTD will not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our website or services. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses.

Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be posted on this page, and it is your responsibility to review these Terms periodically. Your continued use of the website after any changes signifies your acceptance of the new Terms.

Contact Information

If you have any questions or concerns about these Terms, please contact us at:

Email: info@thusofin.co.za

Phone: 060 932 0041

Physical Address: 365/1 San Ridge Heights, C/O Lever And 13th Road, Carswald, Midrand, 1685

Governing Law

These Terms and Conditions are governed by the laws of South Africa. Any disputes arising from these Terms will be subject to the exclusive jurisdiction of the courts of South Africa.

Thank you for choosing Thuso Fin (PTY) LTD for your financial needs.