Terms & Conditions

These terms apply to your use of www.ezyfund.co.za (the “website”) and the loan services we offer through it (the “service”). In these terms, “EzyFund”, “we”, “us” and “our” refer to the operator of the website, and “you” refers to anyone who uses it.

By using the website or submitting an application, you agree to these terms and to our Privacy Policy. If you don’t agree, please don’t use the service.

These terms are an agreement concluded electronically under the Electronic Communications and Transactions Act 25 of 2002. Nothing in them takes away any right you have under the Consumer Protection Act 68 of 2008, the National Credit Act 34 of 2005 or any other law.

When you apply, you confirm that the information you give us is true, complete and up to date. Lenders rely on it to assess your application, and giving false information may be a criminal offence.

By submitting an application, you consent to us:

• sharing your application with a registered lender so that they can assess it;
• the lender verifying your identity, income and banking details and checking your credit record with a credit bureau;
• the lender contacting you about your application by phone, SMS or email.

We may decline to send an application that appears incomplete, inaccurate or fraudulent.

Using EzyFund is free. If you take a loan, the lender may charge interest, an initiation fee and a monthly service fee, each capped by the National Credit Act and its regulations. VAT is added to the fees.

Our loans calculator shows estimates based on the maximum charges the law allows for short-term credit. The figures are for illustration only. Your actual cost is set out in the pre-agreement statement and quotation the lender must give you before you sign, and the lender may charge less than the maximum.

The information on the website is general information to help you understand short-term loans. It is not financial advice and does not take your personal circumstances into account.

Only borrow what you can comfortably repay. If you are struggling with debt, free help is available from the National Credit Regulator on 0860 627 627, who can refer you to a registered debt counsellor.

When you use the website, you agree not to:

• apply on behalf of someone else or use anyone else’s details;
• submit false, misleading or fraudulent information;
• try to gain unauthorised access to the website, our systems or other people’s data;
• use bots, scrapers or other automated tools to collect content or submit applications;
• upload anything harmful, such as viruses or malicious code.

We may block access to the website for anyone who breaks these rules.

The EzyFund name, logo, website design, text and graphics belong to EzyFund or are used with permission. You may view and print pages for your own personal use, but you may not copy, sell or republish our content without our written consent.

We work hard to keep the website accurate and available, but it is provided “as is”. It may sometimes be unavailable, and information on it may change.

As far as the law allows, we are not responsible for:

• a lender’s decision to approve or decline your application, or the terms they offer;
• anything a lender does or fails to do under your credit agreement with them;
• loss caused by information you gave us that was incorrect or incomplete;
• loss caused by events outside our reasonable control.

Nothing in these terms limits our responsibility where the law does not allow it to be limited, including for gross negligence, or any right you have under the Consumer Protection Act or the National Credit Act.