FinPoza Website Terms and Conditions

1. Introduction and Acceptance

1.1 These website terms and conditions (“Website Terms”) govern access to and use of the website located at https://finpoza.com (the “Website”), operated by FinPoza (PTY) Ltd, registration number 2026/231021/07, a private company duly incorporated under the company laws of the Republic of South Africa, (“FinPoza”, “we”, “us”, “our”).

1.2 By accessing or using the Website, you (“you”, “your”, “visitor”) agree to be bound by these Website Terms. If you do not agree, you must stop using the Website.

1.3 These Website Terms apply to your use of the public FinPoza website only. They are separate from, and do not apply to, use of the FinPoza software platform itself, which is governed by the FinPoza Terms and Conditions (Customer Terms and End User Terms) entered into separately by licensed customers and their end users.

1.4 We may update these Website Terms from time to time by posting a revised version on the Website. The updated version takes effect from the date it is posted, and your continued use of the Website after that date constitutes acceptance of the changes.

2. About This Website

2.1 The Website provides general information about FinPoza, our software platform, and how to contact us. It is intended for general informational and marketing purposes only.

2.2 FinPoza is a technology and software company. FinPoza is not a bank, lender, credit provider, credit bureau, or financial institution, and nothing on the Website constitutes an offer, invitation, application, or agreement to extend credit or finance to any person. FinPoza is not registered, and is not required to be registered, as a credit provider under the National Credit Act 34 of 2005, nor as a financial services provider under the Financial Advisory and Intermediary Services Act 37 of 2002, in respect of the Website or the software platform it describes.

2.3 Nothing on the Website constitutes financial, credit, investment, tax, or legal advice. You should not rely on any content on the Website as a substitute for independent professional advice appropriate to your own circumstances.

3. Use of the Website

3.1 You may access and browse the Website for lawful, personal, or internal business purposes connected to evaluating or engaging with FinPoza’s products and services.

3.2 You must not:

• use the Website in any way that is unlawful, fraudulent, or harmful, or in connection with any unlawful, fraudulent, or harmful purpose;
• attempt to gain unauthorised access to the Website, the server on which it is hosted, or any server, computer, or database connected to it;
• introduce any virus, malware, trojan, or other material that is malicious or technologically harmful;
• use any automated system, including “robots”, “spiders”, or “offline readers”, to access the Website in a manner that sends more request messages than a human can reasonably produce in the same period;
• attempt to probe, scan, or test the vulnerability of the Website or breach any security or authentication measures;
• reproduce, duplicate, copy, sell, resell, or otherwise exploit any part of the Website for any commercial purpose without our prior written consent;
• use the Website to submit false, misleading, or fraudulent information via any form, including any contact, demo request, or careers form.

3.3 We may suspend or restrict your access to the Website, without notice, if we reasonably believe you have breached these Website Terms.

4. Intellectual Property

4.1 The Website and all content on it, including text, graphics, logos, the FinPoza name and marks, icons, images, software, and the design, selection, and arrangement of the foregoing (the “Website Content”), are owned by or licensed to FinPoza and are protected by copyright, trademark, and other intellectual property laws.

4.2 You may view, download, and print extracts of the Website Content for your own personal or internal business use, provided you do not modify any Website Content, remove any copyright, trademark, or other proprietary notices, and do not use any Website Content for any commercial purpose without our prior written consent.

4.3 All other use of the Website Content, including reproduction, distribution, modification, public display, or creation of derivative works, is prohibited without FinPoza’s prior written consent.

4.4 “FinPoza” and associated logos are trademarks of FinPoza (PTY) Ltd. Nothing on the Website should be construed as granting any licence or right to use any trademark displayed on the Website without our prior written permission.

5. Third-Party Links and Content

5.1 The Website may contain links to third-party websites or resources, including social media pages, partner websites, or integrations referenced on the Website. These links are provided for your convenience only.

5.2 FinPoza does not control, endorse, and is not responsible for the content, accuracy, availability, or practices of any third-party website, including their privacy and data practices. Your use of any third-party website is at your own risk and subject to that third party’s own terms and policies.

6. Privacy and Cookies

6.1 Any personal information you submit through the Website, for example via a contact form, demo request, newsletter sign-up, or job application, is collected and processed by FinPoza in accordance with applicable data protection law, including the Protection of Personal Information Act 4 of 2013 (“POPIA”), and as further described in our Privacy Policy available at [insert link to Privacy Policy].

6.2 The Website may use cookies and similar technologies to operate correctly, remember your preferences, and understand how visitors use the Website. Further details are set out in our Cookie Notice available at [insert link to Cookie Notice, or incorporate into the Privacy Policy]. You can control or disable cookies through your browser settings, although doing so may affect the functionality of the Website.

6.3 For the avoidance of doubt, this clause 6 relates only to information collected via the public Website. The processing of personal information within the FinPoza software platform itself, including information relating to borrowers and other end users of a licensed customer, is governed separately by the FinPoza Terms and Conditions and the relevant customer’s own privacy notices.

7. Disclaimers

7.1 We take reasonable steps to ensure that the information on the Website is accurate and up to date, but we make no representation, warranty, or guarantee, whether express or implied, that the Website Content is accurate, complete, current, or free of errors.

7.2 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND ALL WEBSITE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.

7.3 We do not warrant that the Website, or the server that makes it available, is free of viruses or other harmful components. You are responsible for implementing sufficient procedures and virus checks appropriate to your particular requirements for the accuracy of data input and output.

8. Limitation of Liability

8.1 Nothing in these Website Terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be limited or excluded under South African law.

8.2 Subject to clause 8.1, and to the maximum extent permitted by law, FinPoza shall not be liable to you for any indirect, special, incidental, or consequential loss or damage, or for any loss of profit, revenue, business, goodwill, or data, arising out of or in connection with your use of, or inability to use, the Website, whether arising in contract, delict (including negligence), or otherwise.

8.3 Subject to clause 8.1, FinPoza’s total aggregate liability to you arising out of or in connection with your use of the Website shall not exceed R1,000 (one thousand Rand), given that access to the Website is provided free of charge.

9. Indemnity

You agree to indemnify and hold FinPoza, its directors, employees, and agents harmless against any claim, loss, liability, damage, or expense (including reasonable legal costs) arising out of or in connection with your breach of these Website Terms or your misuse of the Website.

10. Availability and Changes

10.1 We do not guarantee that the Website, or any content on it, will always be available or uninterrupted. We may suspend, withdraw, discontinue, or change all or any part of the Website without notice.

10.2 We may update or change the Website Content, including product and company information, from time to time, and such content may be out of date at any given time. We are under no obligation to update the Website.

11. Governing Law and Jurisdiction

These Website Terms, and any dispute or claim arising out of or in connection with them or their subject matter, are governed by and construed in accordance with the laws of the Republic of South Africa. The courts of the Republic of South Africa shall have non-exclusive jurisdiction to settle any such dispute or claim.

12. General

• Entire Agreement: These Website Terms, together with our Privacy Policy and Cookie Notice, constitute the entire agreement between you and FinPoza in relation to your use of the Website.
• Severability: If any provision of these Website Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
• No Waiver: Our failure to enforce any right or provision of these Website Terms will not be considered a waiver of that right or provision.
• Assignment: We may transfer our rights and obligations under these Website Terms to another organisation. This will not affect your rights under these Website Terms.

13. Contact Us

If you have any questions about these Website Terms or the Website, please contact us at: