Terms of Service

INTRODUCTION

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These Website Terms and Conditions of Use relate to the website provided by DebtCut (Registration Number: [Insert Registration Number]) (“the Provider”), and its website located at the following URL: [https://debtcut.co.za] (“the Website”). These Terms and Conditions (“Terms and Conditions”) govern your (“the User”) use of the Provider’s Website, the Services, and/or Products associated therewith. By accessing and using the Website, and in particular indicating your acceptance by clicking on the “I accept these terms” button provided on the Website, the User agrees to be bound by these Terms and Conditions.

The content of this Website is proprietary to the Provider and/or otherwise utilised in terms of a written licence agreement between the Provider and the proprietor of such content. The User may not access, display, use, download, and/or otherwise copy or distribute content obtained on the Website for any purpose other than as provided for in these Terms and Conditions without the prior written consent of the Provider.

In terms of section 49 of the Consumer Protection Act, 2008 (where applicable), your attention is drawn to clauses highlighted in bold, which may:

1. Limit in any way the risk or liability of the Provider or any other person;
2. Constitute an assumption of risk or liability by the User;
3. Impose an obligation on the User to indemnify the Provider or any other person for any cause; or
4. Constitute an acknowledgment of any fact by the User.

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1. CONTRACTUAL CAPACITY TO ACT

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1.1 The User warrants that they are at least 18 (eighteen) years of age and have the necessary contractual and mental capacity to enter into and be bound by these Terms and Conditions.
1.2 Where the User acts on behalf of a juristic person, the User agrees to bind themselves as surety and co-principal debtor with such juristic person for the due performance of the juristic person’s obligations in terms of these Terms and Conditions.
1.3 Notwithstanding the above, the User warrants that they have the necessary authority to enter into and bind the juristic person to these Terms and Conditions.

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2. ELECTRONIC COMMUNICATIONS

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2.1 By using this Website or communicating with the Provider electronically, the User consents to receive electronic communications, including notices, disclosures, and agreements.
2.2 Such communications will be deemed to have been adequately addressed to the User upon transmission by email to the address provided by the User.

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3. SERVICES AND PRODUCTS

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3.1 The Website provides access to various debt counselling Services and Products offered by the Provider, including, but not limited to:

• Debt review processes;
• Negotiation with creditors;
• Development of repayment plans; and
• Consumer education.

3.2 The User acknowledges that the use of any Services or Products is at their own risk.

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4. PERSONAL INFORMATION

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4.1 The User consents to the processing of the following personal information:

• Name, surname, and contact details;
• Financial information, including income, expenses, and banking details;
• Identity number or registration number (where applicable); and
• IP address and online activity data.

4.2 The Provider processes personal information in accordance with its Privacy Policy, which may include purposes such as:

• Verifying identity;
• Facilitating Services or Products;
• Processing payments and refunds;
• Transmitting marketing material; and
• Conducting research or analytics.

Note: Failure to provide requested personal information may render the Provider unable to deliver the Services and/or Products.

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5. USER OBLIGATIONS

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The User agrees not to:
5.1 Use the Website, Services, or Products to process the personal information of third parties without consent;
5.2 Violate any applicable laws or regulations in their use of the Website;
5.3 Gain unauthorised access to the Website or Services;
5.4 Use the Website to engage in illegal or harmful activities.

Material Breach: Any violation of this clause shall constitute a material breach, entitling the Provider to suspend or terminate access to the Website and/or Services.

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6. SECURITY SAFEGUARDS

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6.1 The Provider implements reasonable technical and organisational measures to secure personal information against unauthorised access, loss, or destruction.
6.2 However, the Provider shall not be liable for breaches arising from the User’s failure to secure their own devices or accounts.

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7. THIRD-PARTY SERVICES

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7.1 The Website may include references to third-party services or products. These are governed by independent terms and conditions, and the Provider bears no responsibility for their content or operation.
7.2 The Provider facilitates access to such services but does not endorse or assume liability for third-party websites, content, or applications.

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8. COOKIES AND ONLINE TRACKING

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8.1 The Website uses cookies to enhance the User experience and collect analytics. By using the Website, the User consents to the use of cookies in accordance with the Provider’s Privacy Policy.
8.2 The User may adjust browser settings to refuse cookies but acknowledges that this may impact Website functionality.

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9. LIMITATION OF LIABILITY

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To the extent permitted by law:
9.1 The Provider shall not be liable for any direct, indirect, special, incidental, or consequential damages arising from the use of the Website or Services.
9.2 The Website is provided “as is,” and the Provider makes no warranties regarding availability, accuracy, or fitness for a particular purpose.

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10. COPYRIGHT AND INTELLECTUAL PROPERTY

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10.1 All content on the Website, including text, images, logos, and designs, is owned by the Provider or licensed for its use.
10.2 The User may not copy, distribute, or modify content without prior written consent.

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11. GOVERNING LAW AND JURISDICTION

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11.1 These Terms and Conditions are governed by the laws of the Republic of South Africa.
11.2 The User consents to the jurisdiction of the relevant South African courts for any dispute arising from these Terms and Conditions.

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12. UPDATES TO TERMS AND CONDITIONS

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12.1 The Provider reserves the right to modify or update these Terms and Conditions at any time.
12.2 Continued use of the Website after such changes constitutes acceptance of the revised Terms and Conditions.

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13. CONTACT INFORMATION

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For any queries or concerns regarding these Terms and Conditions, please contact:

DebtCut
Physical Address: 28A Hereford Street, Groblersdal, South Africa, 0470
Email: admin@debtcut.co.za
Phone: +27 (0)66 291 4441

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