1. Definitions
In these terms and conditions, the following words will have the following meanings, unless the context indicates otherwise:
1.1. “Us”, “We”, “Our” means Flash Loans (Pty) Ltd
1.2. “You”, “Your” means you, the customer
1.3. “Account” means the credit account created by us in respect of the loan that you obtained from us whereby we record all transactions processed against your loan
1.4. “Act” means the National Credit Act, No. 34 of 2005, together with its regulations, as amended from time to time
1.5. “Agreement” means the terms and conditions contained in this document, the consent you provide when applying for the loan, and any changes thereto
1.6. “Consumer Protection Act” means the Consumer Protection Act, No. 68 of 2008, together with its regulations, as amended from time to time
1.7. “Debit order” means (at our choice) a standard debit order or an early debit order whereby we instruct your bank to deduct an amount from your bank account and to pay that amount directly over to us on your behalf. The amount deducted may vary every month depending on your monthly instalment and may include any other amounts that may be due to us, from time to time, but will never exceed what is due and payable
1.8. “Initiation fee” means a fee charged by us to you in order to create a loan for you
1.9. “Personal information” means any information that we receive about you, including but not limited to your name, identity number, contact information, employment and financial information
1.10. “Site” refers to the website www.flashloans.co.za

2. Our contact details
2.1 Telephone: 084 643 1170
2.2 E-mail: info@flashloans.co.za or accounts@flashloans.co.za
2.3 Operating address: Durban, South Africa
2.4 Website address: www.flashloans.co.za

Terms and conditions and disclaimer
Flash Loans (Pty) Ltd (Registration No.2019/090599/07) is a registered private company in the Republic of South Africa. Flash Loans is a registered credit provider (NCR no. NCRCP 12108)
The following terms and conditions (“T&Cs”) shall apply whenever you access and utilise our site. By making use of our site, you acknowledge that you have read and understood these T&Cs. Further, you agree to be bound by these T&Cs and should you not wish to be bound by same, you should not use our site. These T&Cs are binding and legally enforceable against you in terms of the Electronic Communications and Transactions Act of 2002, as amended.
These terms should be carefully read in conjunction with our Privacy Policy which you can find here. These will govern our relationship with you in relation to your use of www.flashloans.co.za and will constitute an ongoing binding agreement between Flash Loans and yourself.

Accepting our Terms
By accessing the website, you are deemed to have read, understood and agreed to the terms and conditions. Flash Loans may, at any time, modify any of the terms and such modification will supersede and replace any previous terms. The amended terms will be made available on the website. Each time you access the website, you agree to be bound by the terms, as they have changed.

Contents of the site
While we regularly try to keep our site up to date, we make no representations or warranties, whether express, implied in law or residual, as to the accuracy, completeness or reliability of any information, data and content on our site.
The information, ideas and opinions expressed on this website are of a general nature and should not be regarded as financial or other advice.
We suggest you seek guidance and advice from an external qualified person or business before taking any action based on or in relation to information, ideas and opinions expressed on this site which might affect your personal finances or business.

Use of the site and indemnification
By utilising the site and subscribing to our services, you confirm that you are legally entitled to do so, i.e. you are:

  • Over the age of 18
  • A South African citizen
  • Employed with a minimum salary of R3 000
  • In possession of a South African ID document or Smart Card
  • Legally authorised to subscribe to any of our services 
  • Able to provide valid bank account details into which the money will be deposited

You further warrant that you will:
– Not use the site, the products and/or the services or any information made available or sent to you by us pursuant to your use of the website for any purpose that is in contravention of the [South African] law.
– Indemnify Flash Loans against any loss, liability, damage or expense of whatever nature which Flash Loans or any third party may suffer which is caused by or due to, whether directly or indirectly, a breach by you of any of the warranties in these terms.
This site is available to you only for your non-commercial use. We may modify, withdraw or deny you access to this site at any time should we deem same necessary.
You may print pages for your personal use but no part of this website may be reproduced or transmitted for any other purpose.
All information on this site does not constitute financial, legal, investment or other professional advice or services. Before making any decision or taking any action which might affect your personal finances or business you should take appropriate advice from a suitably qualified professional.

Copyright
All data, trademarks, logos, content (collectively “material”) made available on the site and those that are made available to you are solely the property of Flash Loans and are protected by South African intellectual property laws. You may use the material we provide you with in making a decision on whether to wish to make use of our services, however unauthorised use of the material is in the following ways is prohibited:
– Copying
– Distribution
– Sale
– Circulation and exploitation

Links by third parties
From time to time this website may also include links to other websites. No endorsement or approval of any third-party products and/or services is expressed or implied on this site.
Usage or reliance of the information on any external links provided is at your own risk. When visiting external links, you must ensure that you read their terms and conditions and their Privacy Policy.

Permission to link to our website
Any person or business that wishes to establish a hyperlink or similar, electronically or otherwise, may not do so without our prior written approval subject to our imposed conditions.

Unauthorised use
No person, website or business may use any methods of technology to search and/or gain information from our site without first obtaining our written consent.

Warranties, disclaimers and limitation of liability
Out of the bounds of our terms and conditions, Flash Loans makes no warranties, guarantees or claims regarding our services, this site and the services offered by us on this site (implied or otherwise).
To the fullest extent of the law, we disclaim all, but not limited to, warranties and non-infringement, compatibility, security and accuracy in respect of this website. We do not warrant that the website or any software available for download via the site is free of viruses or destructive codes.
Flash Loans, its employees and/or associates shall not take responsibly for any loss, liability, damage (direct, indirect or consequential) and/or expense of any kind whatsoever which you or a third party may have suffered that may have arisen due to your use and access of the website or any information contained on or received via the site, you use of the servise or your reliance on any information offered via the site and services.
Flash Loans disclaims any liability for, and not limited to, the above. We shall not be liable for any losses (business, data, profits) resulting from the unavailability of the site due to any reason whatsoever and shall not be liable for the failure or delay by a third-party service provider to render the necessary service.
Information transmitted via the internet is susceptible to monitoring and interception. You will bear all risks of transmitting information in this manner. We will not be liable for any loss, harm or damage suffered by you as a result of transmitting information to us.
Any unsolicited confidential information sent to us via the internet cannot be guaranteed to remain confidential.
We reserve the right to refuse use of our services to certain persons and/or business should we deem same necessary.

Privacy Policy
Please read our Privacy Policy at https://flashloans.co.za/privacy-policy/ .

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