Disclaimer

Disclaimer

Terms and Conditions

General

The following terms and conditions apply to users accessing our Affordable Loans 4 All website. By using Affordable Loans 4 All you agree and are bound by these terms and conditions. Affordable Loans 4 All reserve the right to change the terms and conditions at their discretion. Affordable Loans 4 All may modify this agreement from time to time, with or without notice.

Our content

Except as expressly provided in this Agreement, all of the content on this site is the property of Affordable Loans 4 All and is protected by copyright laws. “Content” means any information or other material and services found on the Affordable Loans 4 All website.

Your content

You own the copyright to the information you post on our site. Affordable Loans 4 All will only use and republish your words in context and will not make any substantive changes to it.

Indemnification

You agree to indemnify, defend, and hold harmless Affordable Loans 4 All, and its, affiliates, directors, officers and employees from and against any claim, liability, cost, damage or loss we may incur (including, without limitation, attorneys’ fees) as a result of any material you post on our forums or any violation by you of your obligations under these terms and conditions.

Disclaimer of Warranties and Liability

 

Affordable Loans 4 All cannot and does not warrant the completeness or accuracy of the comparisons, news, information, or other content found on our site, or its usefulness for any particular purpose.

You understand and acknowledge that information posted or transmitted by other users are the sole responsibility of the person from which such material originated.

Affordable Loans 4 All takes no responsibility for the accuracy, completeness, or even truth of the information posted in our areas.

Affordable Loans 4 All relies on various sources of information that we believe to be accurate and reliable. However, Affordable Loans 4 All makes no claims or representations as to the accuracy, completeness, or truth of any material contained in our areas. All information provided on Affordable Loans 4 All is to be used on an “as is, with all faults” basis.

You agree that under no circumstances shall Affordable Loans 4 All be liable for any direct, indirect, incidental or any other type of loss or injury resulting from your use, or downloading of any content on our site. This includes, but is not limited to, loss or injury caused in whole or in part by our negligence or by contingencies beyond our control in creating or delivering any portion of Affordable Loans 4 All.

You also agree that Affordable Loans 4 All shall not be liable for any decision made or action taken by you or others based upon reliance on news, information, or any material published by Affordable Loans 4 All.

 

Privacy Policy

INTRODUCTION
  1. Affordable Loans 4 All (“Affordable Loans 4 All”) is committed to ensuring and protecting your privacy whenever you access or use its website at www.affordableloans4all.co.za (“this website”). The Affordable Loans 4 All Privacy Policy (“this policy”) is set out below and provides a detailed explanation as to how Affordable Loans 4 All may use your personal information, either provided by you or collected through other legal means.
  2. Personal information is information that is of a personal or private nature and which identifies you or relates to you. This information may include, without limitation, details of your name, age, identity number, home and/or postal and/or work addresses, telephone numbers and other contact details, details relating to your liabilities, income, expenses, payment records, financial information and banking details such as account numbers.
  3. By accessing this website, you agree to be bound by this policy with effect from the first time you access the website and each time thereafter.
  4. Affordable Loans 4 All reserves the right, in its sole discretion, to amend this policy. Please refer back to this policy in the future because by accessing this website you are bound to the version of the terms and conditions published on this website at the time of your visit to this website.
COLLECTION OF DATA FROM YOU
  1. When accessing or using this website, this website may request you to provide certain personal information pertaining to you. Certain pages of this website may require you to enter your personal information in order to access certain pages of the website. If you do so provide your information, you warrant that the information which you provide relates to you and is true and complete.
  2. In addition to any other methods used by Affordable Loans 4 All to collect data and/or personal information through this website, the following are approved methods of collection of personal information from you –
    • if you register on this website, complete an application form or provide your personal information in response to any request to do so;
    • traffic data, weblogs, location data, and any other communication. These details are obtained from your visit to this website and from any resource tools that you may use while accessing or using this website.
    • any communication by you (i) using this website or (ii) to Affordable Loans 4 All employees, officers, directors, agents and subcontractors.
  3. Affordable Loans 4 All may gather information (including personal information) from you as you access and navigate through this website by using navigational data collection tools and cookies, amongst other technologies. Cookies are files which are automatically transferred (without prompting) onto the hard drive of your computer whilst you use the website and enables Affordable Loans 4 All ’s systems to identify your computer every time you access this website using the computer on which the cookie was saved. You may disable cookies by configuring your web browser to do so.
  4. The information (including personal information) collected by Affordable Loans 4 All using navigational data collection tools and cookies –
    • assists Affordable Loans 4 All to, amongst other things, (i) detect problems with this website and its systems, (ii) improve this website and offerings on this website, and (iii) compile information for analytical purposes; and.
    • will be used by Affordable Loans 4 All for those purposes contemplated in 2.4.1 and no identifying information will be shared about you specifically and how you
    • specifically  accessed and/or used this website.
USE OF YOUR INFORMATION

You agree that Affordable Loans 4 All may collect, store, analyse and use any information (including your personal information) and may transfer such information to its employees, officers, directors, agents and sub-contracts (who are bound by obligations of confidentiality) for the following purposes –

  1. to establish and verify your identity and contact details;
  2. the assessment of any applications for loans, goods or services provided by Affordable Loans 4 All now or in the future, including the pre-assessment of any potential loans, services or product offerings which may be made to you by Affordable Loans 4 All;
  3. the implementation or enforcement of any commitment made or obligation assumed by and any right of Affordable Loans 4 All in terms of a contract;
  4. developing, maintaining and improving this website and/or Affordable Loans 4 All’s services and/or Affordable Loans 4 All’s product offerings (including credit products);
  5. to communicate with you regarding existing or potential transactions or claims, new or existing services and/or product offerings (including credit products), competitions or promotions;
  6. notifications regarding changes or improvements in services and/or product offerings may be sent to you;
  7. to provide you with value-added service offerings (if any) and may include customized offerings to suit your requirements;
  8. to analyse and compile reports and databases for purposes of research (including, without limitation, product research, market research), developing credit scoring and
    other business models, statistical analyses and reporting, determining browsing habits and usage.
STORING YOUR PERSONAL DATA
  1. Although Affordable Loans 4 All uses secured servers and/or data warehousing facilities to ensure proper data storage, transmission of data on the Internet can never be ultimately secure. Affordable Loans 4 All accordingly does not guarantee and provides no warranties or undertakings with regards to the security of information collected electronically or transmitted, whether through this website or by other means. As a result of Affordable Loans 4 All’s inability to guarantee safety, you are submitting information to us at your own risk.
  2. You may be required to use a password, provide certain of your personal information or use other access features on this website to access certain areas of this website. You are responsible to safeguard any password or personal information.
DISCLOSURE OF YOUR INFORMATION IN CERTAIN CIRCUMSTANCES

Affordable Loans 4 All may share any information which it collects from you through this website or other electronic means with third parties in the following instances –

  1. if the equity in Affordable Loans 4 All is sold to a third party or if Affordable Loans 4 All sells or outsources all or a portion of its business or assets to a third party;
  2. to any affiliate of Affordable Loans 4 All, such as subsidiaries, holding companies and their subsidiaries;
  3. to third parties engaged by Affordable Loans 4 All to render services to it or on its behalf;
  4. where it is compelled to do so by law, regulation or by-laws or in terms of a court order or at the direction of any regulatory or governmental authority;
  5. where Affordable Loans 4 All needs to protect or enforce its rights or is required to do so to protect the rights, property or safety of the public;
  6. disclosure to credit bureaux registered as such under the NCA; and
  7. for fraud detection and prevention purposes.
THIRD PARTY LINKS

Affordable Loans 4 All does not accept liability or responsibility for the privacy policies of third parties and therefore does not accept responsibility for any disclosure of your personal information due to the use by you of links to access this website or links on this website to access third party’s websites. You should accordingly acquaint yourself with the terms and conditions of privacy policies pertaining to such third parties’ websites.

QUERIES AND COMPLAINTS
  1. If you have any queries, comments or requests regarding this policy, please contact us at this address: rudicom@mweb.co.za.
  2. Should you no longer wish to receive communications from Affordable Loans 4 All, please contact us at this address: info@al4all.co.za
GENERAL PROVISIONS
  1. This policy will be governed by and construed in accordance with the law of the Republic of South Africa.
  2. Subject to 9.5, this policy, as amended from time to time by Affordable Loans 4 All in its sole discretion, constitutes the entire agreement between you and Affordable Loans 4 All  in relation to the subject matter hereof.
  3. No failure or delay to exercise any of Affordable Loans 4 All’s rights will be construed as a waiver of any such right, whether express or implied, nor will it affect the validity of any part of this policy or prejudice Affordable Loans 4 All’s rights to take subsequent action against you.
  4. If any of the provisions of this policy are held to be invalid, unlawful or unenforceable, such provision will be deleted from the remaining provisions, which will continue to be valid to the full extent permitted by the law.
  5. The provisions of this policy must be read in conjunction with the terms and conditions pertaining to this website and shall be deemed to be incorporated in those terms and conditions.
  6. Affordable Loans 4 All shall be entitled to cede, assign and transfer any of its rights and obligations under this policy without obtaining your consent and without notice to you. Any of Affordable Loans 4 All’s rights under this policy are expressed for the benefit of the affiliates of Affordable Loans 4 All and shall be capable of acceptance by them, whether expressly or tacitly.

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