Introduction
Welcome to FinCraft (“we,” “us,” “our”). These Terms and Conditions (“Terms”) govern your use of our website, www.fincraft.co.za (the “Site”), and our bond origination services for South African home buyers (the “Services”). By accessing or using our Site and Services, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, please do not use our Site or Services.
1. Use of the Site
1.1 Eligibility: You must be at least 18 years old to use our Site and Services.
1.2 Account Registration: To access certain features of our Services, you may be required to register an account. You agree to provide accurate and complete information and to update this information as necessary. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
1.3 Prohibited Conduct: You agree not to:
- Use the Site or Services for any unlawful purpose.
- Impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity.
- Interfere with or disrupt the operation of the Site or Services.
- Use any robot, spider, or other automated means to access the Site for any purpose without our express written permission.
2. Bond Origination Services
2.1 Service Description: FinCraft provides bond origination services to assist South African home buyers in obtaining home loans. We act as intermediaries between you and financial institutions to facilitate the loan application process.
2.2 No Guarantee: While we strive to provide accurate and up-to-date information and assistance, we do not guarantee approval of any loan applications or the availability of specific loan terms.
2.3 Third-Party Providers: Our Services may involve third-party financial institutions and other service providers. We are not responsible for the actions or omissions of these third parties. Your interactions with third-party providers are governed by their terms and conditions.
3. Fees and Payment
3.1 Fees: Our bond origination services are generally provided free of charge to home buyers. We may receive compensation from financial institutions for successful loan applications facilitated through our Services.
3.2 Changes to Fees: We reserve the right to introduce fees for certain Services or change the existing fee structure. Any such changes will be communicated to you in advance and will not affect Services provided prior to the change.
4. Privacy Policy
Your use of our Site and Services is also governed by our Privacy Policy, which can be found at Privacy Policy. By using our Site and Services, you consent to the collection, use, and sharing of your personal information as described in our Privacy Policy.
5. Intellectual Property
5.1 Ownership: All content, trademarks, and other intellectual property on the Site are the property of FinCraft or its licensors and are protected by applicable laws.
5.2 Limited License: You are granted a limited, non-exclusive, non-transferable license to access and use the Site and Services for your personal, non-commercial use. This license does not include any right to modify, distribute, or create derivative works based on the Site or its content.
6. Limitation of Liability
6.1 No Warranties: The Site and Services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.
6.2 Limitation of Liability: To the fullest extent permitted by law, FinCraft and its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:
- Your use or inability to use the Site or Services.
- Any unauthorized access to or use of our servers and/or any personal information stored therein.
- Any interruption or cessation of transmission to or from the Site.
7. Indemnification
You agree to indemnify, defend, and hold harmless FinCraft, its directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the Site or Services, or your violation of these Terms.
8. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of South Africa. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of South Africa.
9. Changes to These Terms
We reserve the right to modify these Terms at any time. Any changes will be posted on this page with an updated revision date. Your continued use of the Site and Services after any changes indicates your acceptance of the updated Terms.
10. Contact Us
If you have any questions or concerns about these Terms, please contact us at:
FinCraft
Mombela, Nelspruit
Email: warren@fincraft.co.za
Effective Date: 24 June 2024
By using our Site and Services, you acknowledge that you have read and understood these Terms and agree to be bound by them.