Terms and Conditions
TERMS AND CONDITIONS
Welcome to our website. The use of this website is governed by the terms and conditions stipulated below. By using this website you agree to be bound by all Terms and Conditions, including any privacy statements (which are deemed to be incorporated in the terms and conditions) that appear on this website including any amendments thereto.
If you do not agree to be bound by these terms and conditions you must immediately cease browsing this website. You hereby warrant to us that you have the required legal capacity to enter into and be bound by contractual terms. Minors must be assisted by their legal guardians when reading these conditions. If you are unsure whether you have the legal capacity to enter into agreements, contact someone able to provide you with this information before you continue using this website.
These terms and conditions include our Privacy Statement, governing the processing of any personal information which may be provided to it through the use of this website. Our Privacy Statement may be accessed and read at https://finhound.co.za/privacy/
The terms “FinHound” or “us” or “we” refer to the owner of the website whose registered office is situated in Alberton, Johannesburg, South Africa. Our company registration number is 2017/434179/07. The term “you” refers to the user or viewer of our website.
USE OF OUR WEBSITE
These Terms and Conditions (“the Terms”) govern your use of the Website. By accessing and using the Website, you agree to be bound by these Terms, which constitute a binding agreement between you and FinHound.
Due to legal and other developments, FinHound may amend these Terms and Conditions, without any prior notice to you. The version of the terms and conditions effective for this website is indicated by the effective date incorporated in the title of these Website Terms and Conditions. It is your duty to remain appraised of the current version of these Website Terms and Conditions. The date indicated in the heading of these Website Terms and Conditions is the effective date that governs the browsing and use of this website from that date until the next revision of these Website Terms and Conditions becomes effective.
By continuing to browse or use the website after any amended terms and conditions become effective, you agree to be bound by the amended terms and conditions.
All information accessed or browsed using this website is provided “as is”.
While FinHound shall endeavour to ensure that all material published on the website is accurate at the time of its publication, it gives no warrantees as to the accuracy of the information and the information does not represent legal and/or financial advice. Your use of the information is entirely at your own risk and no liability will arise against FinHound resulting from your browsing the website or using the information provided on the website.
FinHound does not warrant that this website or the delivery, hosting and ancillary services or facilities of third party suppliers utilised by FinHound will continue to operate, will operate without interruptions or will be error-free or that it will be free of any software virus or other harmful component.
You will be entirely responsible for any resulting damage to software or computer systems and/or any resulting loss of data caused as a result of any use of this website.
A certificate signed by the administrator responsible for maintaining the Website will be prima facie proof of the date of publication and content of the current version and all previous versions of these Terms.
In order to use the services offered by the Website you are required to register. FinHound reserves the right to refuse or suspend your registration at any time.
FinHound’s services are target market is the corporate, SME market and Individuals.
NATURE OF THE SERVICES
FinHound (Pty) Ltd (“FinHound”) provides an independent online loan origination platform at www.FinHound.co.za (“the Website”) which allows:
a) Individuals and business owners in South Africa to apply for different types of loans or funding based on their unique profile and requirements;
b) diverse South African lenders to offer their suite of loan and funding products to potential loan-seekers.
c) Individuals seeking different types of insurance products based on their unique needs and risk profile.
FinHound is a financial services provider (Licence number 49304 under the FSCA), and provides intermediary services to clients on financial products under a licence issued in terms of the Financial Advisory and Intermediary Services Act, Act 37 of 2002. It does however not provide any recommendations or advice regarding which lender may be best for you.
Based on the limited information provided by you, it automatically matches you with the products and services offered by participating lenders and service providers. FinHound does not make any warranties or representations in respect of any lender, their products or services.
Each lender will undertake its own credit vetting or underwriting exercise once you approach them off the back of a referral from the Website.
The list of potential lenders and service providers in no way implies that any application by you will be successful.
FinHound’s Website is provided at no charge to you. We are paid an origination fee by the lender or service provider if your financial product or insurance application respectively is successful. The matching process on the Website is in no way influenced by our commercial arrangement with any lender or service provider.
FinHound has no affiliation with any lender or service provider.
Except where expressly stated to the contrary, copyright in the HTML, text, graphics, audio clips, video clips, source and/or object code and all other works contained in this Website is owned by FinHound, which asserts and reserves all of its rights in this regard. Access to or use of this Website will not in any way result in an assignment or license of any intellectual property owned by FinHound or any other party.
The contents of this website may not be transmitted, transcribed, reproduced, stored or translated into any other form without the prior written permission of FinHound. However, FinHound permits you to display the content of this Website on your computer and to print, download and use the underlying HTML, text, graphics, audio clips, video clips and other works available to you on this website provided that:
a) this is for information purposes only;
b) such content is used for non-commercial purposes;
c) you do not modify the content of this material;
d) FinHound’s website is the acknowledged source including the reference https://finhound.co.za; and
e) this permission may be revoked at any time by FinHound.
No other use of this website is permitted. Without restricting the generality of the foregoing, you may not make commercial use of the content of this Website, include the content of this Website in or with any product that you create or distribute, or copy the content of this Website onto your own or another’s website, without the prior written consent of FinHound. Enquiries in this regard may be made to firstname.lastname@example.org
The copyright in all information, material and logos vesting in FinHound and its licensees shall continue to vest in FinHound and no right, title or interest in any proprietary material or information contained in this website is granted to you hereunder.
INFORMATION PURPOSES ONLY
This website is only intended to provide general information. It is not intended to provide exhaustive treatment of any subject dealt with and FinHound expressly reserves the right, in its sole and absolute discretion, to alter or amend any criteria or information set out in this website without notice to you. Accordingly, the information in this website is not intended to constitute legal, financial, accounting, tax, investment, consulting or other professional advice or services. Before making any decision or taking any action, which might affect your personal finances or business, you should consult a qualified professional advisor.
This website could include technical or other inaccuracies or typographical errors. Changes are periodically added to the information herein and these changes will be incorporated in new editions of this website.
TRANSMISSION OF INFORMATION
Your attention is drawn to the fact that information transmitted via the Internet, including without limitation e-mail, is susceptible to monitoring and interception. You are therefore discouraged from transmitting to FinHound any information which may be confidential, proprietary or sensitive. You shall bear all risk of transmitting such information in this manner and under no circumstances will FinHound be liable for any loss, harm or damage suffered by you as a result thereof. FinHound reserves the right to request independent verification of any information transmitted via e-mail or uploaded via the Website and you consent to such verification should FinHound deem it necessary.
FinHound requests that no unsolicited confidential or proprietary information be sent to FinHound. Any information or material sent to FinHound will be deemed not to be confidential, unless otherwise agreed in writing by FinHound.
FinHound respects users’ rights to privacy and confidentiality and consequently undertakes not to sell or exchange personal information with any third party without your prior written consent. However, FinHound reserves the right to disclose or report personal information in limited circumstances where it is believed in good faith, that disclosure is required under law, to co-operate with regulators or law enforcement authorities, to perform necessary credit checks or collect or report debts owed to FinHound, to protect its rights or property, or to disclose information on reasonable request by the unit trust fund in which the investor has invested.
Our commitment to your privacy and security of your personal information is outlined in our privacy and security statement.
LINKS TO THIRD PARTY SITES
The website contains hyperlinks to websites owned and/or operated by third parties. FinHound is not responsible for the content of such websites, and does not endorse or approve the contents thereof. The fact that a website is linked to this website does not imply that FinHound, and/or its sponsors, endorses or is affiliated or associated with the entity that owns or is responsible for the website. Consequently FinHound is not liable for the operation and content of any third party websites that may be linked to this Website (regardless of whether or not a link has been permitted by FinHound). Linked sites (including those of lenders) are not subject to the control of FinHound and FinHound is not responsible for the contents of any linked site or any link contained in a linked site. FinHound provides links to you only as a convenience and the inclusion of any link does not imply endorsement by FinHound of such company.
If you have applied for a loan using a marketing referrer, the following must be noted:
- The Marketing Referrer will not provide, offer to provide, directly or indirectly, any valuable consideration as an incentive to a person to enter, continue, vary or cancel a short-term policy.
- The Marketing Referrer warrants that none of their agents or staff will provide financial, insurance or person regard to loan advice in regards to FinHound or FinHound service providers to prospective clients.
- The Marketing Referrer warrants that they do not represent FinHound in any form and that they are independent marketing agents and will not give the impression that they work of or are employed by FinHound.
Your use of this website and the information contained therein is entirely at your own risk and you assume full responsibility and risk of loss resulting from the use thereof. FinHound expressly disclaims all liability for any direct, indirect, special, incidental, consequential or punitive damages and/or loss occasioned by your accessing and browsing of the website or your inability to access and browse this Website, or whether caused directly or indirectly by inaccuracies, defects, errors (whether typographical or otherwise), omissions, out of date information or for any other reason, even if such loss was reasonably foreseeable and FinHound had been advised of the possibility of the loss occurring.
You agree to indemnify and hold harmless FinHound, its partners (including any lenders) its servants, subcontractors, subsidiaries, employees, affiliates (or their shareholders), agents and/or consultants from any demand, action or application or other proceedings, including for attorney’s fees and related costs such as tracing fees, made by any third party and arising out of or in connection with the your use of or access, browsing or use of this website. This website and the information contained therein are provided “as is” and FinHound makes no express or implied representations or warranties with regard thereto. Without limiting the generality of the above:-
FinHound does not warrant that the website or information will be error-free or will meet any particular criteria of performance or quality. FinHound expressly disclaims all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, non-infringement, compatibility, security and accuracy; and whilst FinHound has taken reasonable measures to ensure the integrity of this website and its contents, no warranty, whether express or implied is given that any files, downloads or applications available via this website are free of viruses, Trojans, bombs, time-locks or any other data or code which has the ability to corrupt or affect the operation of your system.
The website is strictly for information purposes only and should not be considered as an offer, or solicitation, to deal in any of the services or products mentioned herein. Any information and opinions contained on the website, and any supplemental information provided, is believed to be reliable but no representation or warranty is given as to its correctness, accuracy or completeness. Any representation or opinion is provided for information purposes only. We do not undertake to update, modify or amend the information on a frequent basis or to advise any person if such information subsequently becomes inaccurate. It is not intended to create, and shall not be capable of creating, any obligation or liability on the part of FinHound or any of its affiliates, and shall not form part of any contract. All information and opinions provided are of a general nature and are not intended to address the circumstances of any particular individual or entity. Any decision to act on information supplied must be made by the recipient solely on the basis of its own independent judgment and research and subject to applicable terms and conditions. No one should act upon such information or opinion without appropriate professional advice after a thorough examination of a particular situation. While opinions stated are honestly held, they are not guarantees and should not be relied on. FinHound will not be held liable or responsible for any direct or consequential loss or damage suffered by any party as a result of that party acting on or failing to act on the basis of the information provided in this document. This document may not be amended, reproduced, distributed or published without the prior written consent of FinHound. Finhound is an authorised financial services provider with FSCA license number 49304.
Any person who in any manner interferes with the data or information displayed on this website in any way which causes it to be modified, destroyed or otherwise rendered ineffective or inaccurate, acts contrary to the provisions of the Electronic Communications and Transactions Act 25 of 2002 and is guilty of an offence.
Any person, who in any manner interferes with any third party’s access to this website or denies access to the website, whether partial or absolute, is guilty of an offence in terms of the Electronic Communications and Transactions Act 25 of 2002.
Any attempt to commit or aid and abet someone in the commission of the offences referred to above is guilty of an offence in terms of the Electronic Communications and Transactions Act 25 of 2002.
FinHound will, as it may be advised, cause the prosecution of any person who is guilty of an offence described above.
FinHound will, as it may be advised, institute appropriate action to obtain relief against the perpetrator of the actions contemplated above, with a view to recovering any damages that it may suffer and to protect the FinHound website against defacement, unauthorised amendment of content and disruption of the use of the website.
While FinHound will take appropriate security precautions to protect the website against abuse by third parties, by accessing and browsing this website you accept that no liability will lie against FinHound for any damages caused to you by the malicious interference with the operation of this website, and/or any destructive data or code that may be communicated to computers or information systems used by you as a result of your access and browsing of the website.
If any of these terms, conditions or provisions are held to be invalid, unlawful or unenforceable; the term, condition or provision will be deleted from the remaining terms, conditions and provisions which will continue to be valid to the full extent permitted by law.
Any dispute or purported dispute arising out of this web site shall be governed by and construed in accordance with the law of the Republic of South Africa and all disputes, actions and other matters relating thereto will be determined in accordance with such law. The parties to any dispute arising out of this website hereby consent and submit to the jurisdiction of the of the High Court of South Africa, Gauteng Division.
These terms and conditions record the entire agreement between you and FinHound in respect of your access, browsing and use of the website.
FinHound’s omission to exercise any right under these terms and conditions will not constitute a waiver of any such right unless expressly accepted by FinHound in writing.
Notwithstanding the fact that hyperlinks in these terms and conditions to certain documents should be deemed part of these terms and conditions in terms of section 11 of the Electronic Communications and Transactions Act 25 of 2002, the fact that some or all of the hyperlinks may be non-operational, will not play a role in determination of the validity and interpretation of these terms and conditions.
Words and expressions used in these website usage terms and conditions shall bear the ordinary meaning assigned to them unless the context dictates otherwise.
The headings in clauses are provided for convenience only and must not be used in the interpretation thereof.
If you have any questions or do not understand anything in these conditions please send an email to email@example.com and we will respond to you as soon as possible.
+27 66 307 3825