Code of Practice

Physical address:

Ext 2, Menlyn Maine, Park Lane West Building

194 Bancor Ave, Waterkloof Glen

Pretoria, 0181

4.1 Flexible

• We do not pressure consumers to borrow more credit than they require.
• Consumers choose their loan amount within our permitted range, subject to approval.
• We encourage consumers to repay on time and, where possible, earlier.

4.2 Transparent

Before a consumer concludes a credit agreement, we clearly disclose:

• the total cost of credit,
• all fees/charges permitted by law,
• the repayment schedule and due dates,
• and consequences of late/non-payment.

We do not hide charges in fine print or mislead consumers about the real cost of credit.

4.3 Selective (Responsible lending)

• We conduct affordability and creditworthiness checks using lawful sources (including credit bureau checks where applicable) to prevent reckless lending and to reduce fraud risk.
• We reserve the right to decline an application where the consumer does not meet affordability or eligibility criteria.
• Where reasonably possible, we provide meaningful reasons for declining an application.

4.4 Short-term

• Our products are designed for short-term needs and should not be used as a long-term financial solution.
• We do not encourage continuous re-borrowing that may indicate financial distress.
• We support early settlement in line with the NCA.

4.5 Fair

• We treat consumers with dignity and respect at all times, including during arrears and collections.
• We comply with the NCA requirements applicable to debt enforcement and collections, and we prohibit harassment, intimidation or unlawful contact practices.
• Where consumers experience financial difficulty, we aim to engage constructively and consider reasonable repayment arrangements.

4.6 Responsive

• We make it easy to contact us during business hours via WhatsApp and email.
• Complaints receive an acknowledgment and are handled promptly, fairly, and consistently.

5.1 Marketing and advertising

• Advertising and promotions will be lawful, truthful, and not misleading.
• Any claims about cost, approval, or speed will be accurate and capable of substantiation.
• We avoid language or tactics that exploit vulnerable consumers.

5.2 Applications and consent

• We collect only data reasonably required to assess an application and administer the agreement.
• We obtain appropriate consumer consent where required for credit checks and lawful processing of personal information.

5.3 Affordability assessment

• We conduct affordability assessments as required by the NCA and related regulations and guidelines.
• We consider income, expenses, existing credit obligations and other relevant indicators.
• If the consumer cannot afford the credit, we will decline the application.

5.4 Pre-agreement disclosure

Before conclusion, we provide consumers with clear information about:

• interest and fees,
• instalments and due dates,
• total repayment amount,
• consumer rights and obligations,
• consequences of default and potential enforcement steps.

5.5 Account information and early settlement

• Consumers may request balances, statements, and settlement figures.
• We allow early settlement in line with applicable law.

5.6 Arrears and collections

• Collections must be professional, lawful, and respectful.
• We attempt resolution through reasonable engagement and, where appropriate, repayment arrangements.
• We maintain accurate records of collections activity and consumer communications.

7.1 How to complain

Consumers can contact us at:

7.2 Response standards

• We aim to resolve complaints within 48 business hours, where reasonably possible.
• If a matter is complex, we will explain the delay and provide a revised timeline.

7.3 Escalation and external remedies

If a consumer remains dissatisfied after contacting us, they may escalate the complaint to the National Credit Regulator (NCR):