Terms & Conditions

1. Introduction
China For Cash Finance (Pty) Ltd (“China For Cash”) is a privately registered company in the Republic of South Africa (Registration Number: 2019/057463/07). As an authorized Financial Services Provider (FSP) and registered credit provider (NCRCP12064), our core business focuses on offering microfinance solutions to individual clients.

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2. Purpose, Scope, and Objectives
These Terms and Conditions govern your access to and use of the China For Cash website (www.ChinaForCash.co.za), as well as any associated software applications or self-service portals provided by China For Cash.

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3. Ownership of the Website and Applications
All rights to the China For Cash website and software applications are held by China For Cash Finance (Pty) Ltd, 177 Pienaar Street
Richmond, Northern Cape, 7090. The rights and protections outlined herein are for the benefit of our company.

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4. Website and Application Content
4.1 While we strive to keep all information on our website and applications up to date, China For Cash makes no guarantees—express or implied—regarding the accuracy, completeness, or reliability of any content.
4.2 China For Cash reserves the right to amend these terms and conditions at any time, without prior notice.
4.3 Updated terms will be published on our website at www.ChinaForCash.co.za.
4.4 Users are encouraged to report any inaccurate, defamatory, illegal, or otherwise harmful content. Upon receiving valid and substantiated complaints, we will investigate and take appropriate corrective action.

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5. Use of Website and Applications
5.1 All access to and use of our website, software applications, and self-service portals is provided "as is." While we aim for accuracy, no warranties are made in this regard.
5.2 These Terms and Conditions are binding and legally enforceable for anyone who accesses or uses our platforms.
5.3 By continuing to use our platforms, you confirm that you have read, understood, and accepted these Terms.
5.4 Users may view, download, or print website content for personal, non-commercial use only.
5.5 Use of our platforms for any illegal, harmful, or unsolicited purposes is strictly prohibited.
5.6 Linking to our website without prior written consent is not allowed. Unauthorized links will be reported to regulatory authorities.
5.7 Users are prohibited from reverse engineering, decompiling, modifying, or distributing any part of our platforms or their content.
5.8 Automated or manual scraping, crawling, or copying of content is not permitted without express permission.
5.9 The transmission of any fraudulent, misleading, or unlawful content through our platforms is strictly prohibited.
5.10 Unauthorized use of our platforms may result in restricted access.
5.11 Our platforms are designed to simplify loan and financial product applications. These Terms help us protect both you and our business.
5.12 If you disagree with any part of these Terms and Conditions, you should not use our platforms.

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6. Intellectual Property
6.1 All content on our platforms is for personal use only and may not be commercially exploited.
6.2 You agree to use our services solely for their intended purposes and not to infringe on any of our intellectual property rights.
6.3 Copyrights and trademarks may apply to certain content found on our platforms.
6.4 Unauthorized use, duplication, or distribution of any content is strictly forbidden and constitutes an infringement of our intellectual property.

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7. Third-Party Content
7.1 Our website may contain external hyperlinks. This does not imply any affiliation or endorsement, and users follow such links at their own risk.
7.2 Third-party advertising may also appear on our site. Unless the content is explicitly provided by China For Cash, we do not endorse or take responsibility for it.

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8. Processing of Personal Information
8.1 We process personal information in line with your instructions and the Protection of Personal Information Act (Act 4 of 2013).
8.2 By submitting your details on our platforms, you consent to us using them to process your application. This may include identity verification, credit checks, and criminal record assessments.
8.3 You agree to receive communications through email, SMS, WhatsApp, and our digital channels for the purposes of verification, processing, and service updates.
8.4 For full details, please consult our Privacy Policy at www.ChinaForCash.co.za.

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9. Dispute Resolution
9.1 Any disputes arising from these Terms will be resolved via arbitration in Johannesburg under the Arbitration Foundation of South Africa's rules.
9.2 Complaints can be addressed in accordance with our Complaints Policy, available on our website.

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10. Limitation of Liability
10.1 You use our website, applications, and portals entirely at your own risk.
10.2 We do not guarantee uninterrupted or error-free operation, nor can we confirm that our servers are free from viruses or other threats.
10.3 China For Cash shall not be liable for any loss or damage resulting from your use of, or reliance on, our platforms.

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11. Jurisdiction
These Terms and Conditions are governed by South African law, regardless of the user’s nationality or location.

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12. General Provisions
12.1 China For Cash may assign or delegate its rights and obligations without notice.
12.2 If any part of these Terms is deemed unenforceable, the remaining sections will remain valid and enforceable.

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13. Loan Terms and Conditions

All terms applicable to loan applications or agreements are detailed within our loan documents (e.g., quotations, applications). Please read these carefully. For clarification, feel free to contact us directly.