Terms & Conditions

1.1 Operator: People Connect Group (Pty) Ltd trading as PC FINLOANS.

1.2 Registered credit provider: regulated under the National Credit Act 34 of 2005 ("NCA") and registered with the National Credit Regulator ("NCR").

3.1 By accessing, browsing, using the Website, submitting an enquiry, or completing any online form, you agree to these Terms.

3.2 If you do not accept these Terms, you must stop using the Website.

3.3 You warrant that you are legally entitled to access the Website and have legal capacity to contract.

4.1 We may amend these Terms at any time by publishing the updated version on the Website.

4.2 The version displayed on the Website at the time you use it will apply.

4.3 Your continued use of the Website after changes means you accept the updated Terms.

5.1 Website content is provided for general information only and is not financial, legal, tax, accounting, or other professional advice.

5.2 You should obtain independent advice where appropriate before making decisions that may affect your finances.

6.1 Content describing our loan products is an invitation to do business and not a binding offer.

6.2 Any application is subject to lawful verification, fraud checks, affordability assessment, and our credit policies.

6.3 We may decline any application where required by law or where our assessment indicates the credit is not affordable or otherwise not appropriate.

6.4 Where your application is approved, the Credit Agreement (and related disclosures and mandates) governs the loan—not these Terms.

7.1 The Services are intended for persons 18 years or older.

7.2 You may not use the Website to apply for credit if you are under 18 or lack legal capacity.

7.3 You warrant that all information you provide is true, correct, and complete.

8.1 You agree that we may communicate with you electronically via the contact details you provide (email, SMS, WhatsApp, or other digital channels), subject to our Privacy Policy and applicable law.

8.2 If you conclude a Credit Agreement electronically, you consent to the use of electronic signatures, tick-box acceptances, one-time pins (OTPs), and Data Messages where permitted by law and agreed in the credit documentation.

8.3 You agree that electronic records, system logs, timestamps, OTP confirmations, IP/device data, and Data Messages generated by our systems (or our service providers' systems) may be used as evidence of your actions and acceptance, subject to applicable law.

9.1 If your credit application is approved, repayment is collected via debit order from the bank account you nominate, in accordance with the debit order mandate and the Credit Agreement.

9.3 You are responsible for ensuring sufficient funds are available on the scheduled deduction date(s).

9.4 Returned/unpaid debits may result in arrears and may trigger steps allowed by the Credit Agreement and the NCA (including lawful collections activity and credit bureau reporting where permitted).

9.5 Changes to bank details must be requested via our official channels and may require verification. A change is effective only once confirmed by us.

10.1 We process personal information in accordance with our Privacy Policy and South African law, including the Protection of Personal Information Act, 2013 (POPIA).

10.2 By submitting information on the Website, you acknowledge that we may process your information for lawful purposes including: identity verification, affordability assessment (including credit bureau checks where applicable), fraud prevention, customer communication, and compliance with legal obligations.

10.3 Direct marketing (if any) will be conducted only where permitted by law and subject to opt-out rights.

11.1 We take reasonable measures to secure the Website and protect information. However, no internet system is completely secure.

12.1 The Website is provided "as is" and "as available".

12.2 We may modify, suspend, withdraw, or restrict access to the Website at any time for security, maintenance, legal compliance, or business reasons.

12.3 We do not guarantee uninterrupted or error-free access.

13.1 We strive to keep information current and accurate, but we do not warrant that all Website content is complete, up to date, or error-free.

13.2 You use and rely on Website content at your own risk.

You may not:

• 14.1 use the Website for unlawful purposes or in breach of South African law;
• 14.2 attempt to gain unauthorised access to the Website, systems, or data;
• 14.3 introduce malware, viruses, bots, or harmful code;
• 14.4 scrape, crawl, reverse engineer, or use automated tools to extract data without our written consent;
• 14.5 submit false, misleading, or fraudulent information;
• 14.6 misuse WhatsApp/contact links for harassment, spam, or abusive communication.

We may block access, report misuse, and take legal action where appropriate.

15.1 All content on the Website (text, graphics, layouts, logos, software, and database rights) belongs to us or is used under licence and is protected by intellectual property laws.

15.2 You may view and print pages for personal, non-commercial use.

15.3 You may not reproduce, distribute, modify, publish, or exploit Website content without our prior written consent.

16.1 You may not frame the Website or create links that misrepresent association, endorsement, or sponsorship without our prior written approval.

16.2 We may request removal of any link to the Website at our discretion.

17.1 The Website may link to third-party websites or platforms (including WhatsApp). These are provided for convenience only.

17.2 We do not control third-party services and are not responsible for their content, security, availability, or privacy practices.

17.3 Your use of third-party services is at your own risk and subject to their terms.

18.1 To the fullest extent permitted by law, we disclaim all warranties (express or implied), including warranties of accuracy, non-infringement, merchantability, fitness for purpose, and uninterrupted availability.

18.3 Nothing in these Terms limits liability where such limitation is not allowed under South African law.

You indemnify and hold us harmless against any loss, damage, liability, cost, or expense (including reasonable legal fees) arising from:

• 19.1 your unlawful use of the Website;
• 19.2 your breach of these Terms; or
• 19.3 any fraudulent, misleading, or unauthorised information submitted by you.

20.2 Credit-related complaints: if not resolved by us, you may escalate to the National Credit Regulator (NCR) via their published channels.

21.1 These Terms are governed by the laws of the Republic of South Africa.

21.2 You consent to the jurisdiction of South African courts for disputes arising out of these Terms or your use of the Website.

22.1 Severability: If any provision is invalid or unenforceable, the remaining provisions remain in force.

22.2 No waiver: Failure to enforce any right is not a waiver of that right.

22.3 Entire agreement (Website use): These Terms and the Privacy Policy constitute the entire agreement between you and us regarding Website use.

22.4 Assignment: We may cede, assign, or transfer our rights and obligations under these Terms to a third party as part of business continuity, restructuring, or sale, subject to applicable law.

22.5 Headings: Headings are for convenience and do not affect interpretation.