Terms & Conditions
1. Introduction and Acceptance
Welcome to addoelephantlodgeandsafaris.co.za. These Terms and Conditions ("Terms") govern your use of our website and loan services. By accessing or using our website, you agree to be bound by these Terms.
If you do not agree with any part of these Terms, you must not use our website or services.
2. Definitions
- "Service" refers to the loan application and information services provided through our website
- "User" refers to any individual who accesses or uses our website
- "Loan" refers to short-term personal loans offered through our partner lenders
- "Website" refers to addoelephantlodgeandsafaris.co.za and all associated pages
3. Eligibility Requirements
To use our services and apply for a loan, you must:
- Be at least 18 years of age
- Be a resident of South Africa
- Have a valid South African ID or passport
- Have a regular source of income
- Have an active bank account
- Provide accurate and truthful information
We reserve the right to verify your eligibility and may request additional documentation.
4. Loan Application Process
4.1 Application Submission
When you submit a loan application through our website, you are redirected to our lending partners who will process your application. We act as an intermediary and do not directly provide loans.
4.2 Application Review
Lending partners will review your application based on their own criteria. Approval is not guaranteed and depends on various factors including creditworthiness, income verification, and other financial considerations.
4.3 Loan Agreement
If approved, you will enter into a loan agreement directly with the lending partner. You must read and understand all terms before accepting any loan offer.
5. Interest Rates and Fees
Interest rates, fees, and repayment terms are determined by the lending partner and will be disclosed before you accept a loan offer. The calculator on our website provides estimates only and actual terms may vary.
- Interest rates start from 7.5% but may be higher depending on your profile
- Additional fees may apply (late payment fees, processing fees, etc.)
- All charges will be clearly disclosed in the loan agreement
6. Repayment Obligations
As a borrower, you are responsible for:
- Repaying the loan according to the agreed schedule
- Ensuring sufficient funds are available on repayment dates
- Notifying the lender immediately if you cannot make a payment
- Understanding the consequences of late or missed payments
Warning: Failure to repay a loan can result in additional fees, negative credit reporting, and legal action.
7. Website Use and Restrictions
When using our website, you agree to:
- Provide accurate, current, and complete information
- Not use the website for any unlawful purpose
- Not attempt to gain unauthorized access to our systems
- Not interfere with the proper functioning of the website
- Not transmit any viruses, malware, or harmful code
8. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of addoelephantlodgeandsafaris.co.za or its licensors and is protected by copyright and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works without our express written permission.
9. Third-Party Services
Our website may contain links to third-party websites and services, including our lending partners. We are not responsible for:
- The content, accuracy, or practices of third-party websites
- Products or services offered by third parties
- Privacy policies of third-party websites
- Any loss or damage caused by third-party services
10. Disclaimer of Warranties
Our website and services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that:
- The website will be uninterrupted or error-free
- Information on the website is accurate or complete
- Loan applications will be approved
- The calculator provides exact loan terms
11. Limitation of Liability
To the maximum extent permitted by law, addoelephantlodgeandsafaris.co.za shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
- Loss of profits or revenue
- Loss of data or information
- Business interruption
- Denial of loan applications
- Actions taken by lending partners
12. Indemnification
You agree to indemnify, defend, and hold harmless addoelephantlodgeandsafaris.co.za and its affiliates from any claims, liabilities, damages, losses, and expenses arising from:
- Your violation of these Terms
- Your use of the website or services
- Your violation of any third-party rights
- Inaccurate or false information provided by you
13. Privacy and Data Protection
Your use of our website is also governed by our Privacy Policy. By using our services, you consent to the collection and use of your information as described in the Privacy Policy.
14. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on the website. Your continued use of the website after changes constitutes acceptance of the modified Terms.
We recommend reviewing these Terms periodically to stay informed of any updates.
15. Termination
We may terminate or suspend your access to our website immediately, without prior notice, for any reason, including if you breach these Terms.
Upon termination, your right to use the website will immediately cease.
16. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Republic of South Africa, without regard to its conflict of law provisions.
17. Dispute Resolution
Any disputes arising from these Terms or your use of our services shall be resolved through:
- Good faith negotiation between the parties
- Mediation, if negotiation fails
- Arbitration or litigation in South African courts as a last resort
18. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.
19. Contact Information
If you have any questions or concerns about these Terms, please contact us at:
Email: support@addoelephantlodgeandsafaris.co.za
Phone: +27 71 234 5678
Address: R335, Addo Elephant National Park, Addo, Eastern Cape, 6105, South Africa