Terms & Conditions

1 Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User", "you") and HelloCredit (Pty) Ltd ("HelloCredit", "we", "us", "our"), a company incorporated under the laws of the Republic of South Africa.

By accessing or using the HelloCredit website (www.hellocredit.co.za), mobile applications, or any related services (collectively, the "Platform"), you confirm that you are at least 18 years of age, are a South African resident, and have the legal capacity to enter into a binding agreement.

We may update these Terms from time to time. Continued use of the Platform following notice of any changes constitutes your acceptance of the revised Terms.

2 Description of Services

HelloCredit provides a free credit improvement and loan comparison platform designed for South African consumers. Our services include:

• Free credit score checks and credit profile insights;
• Personalised loan comparisons matched to your credit profile from third-party lenders;
• The Reboot credit improvement programme;
• HelloBucks rewards for programme participation;
• Educational content and tools relating to personal finance and credit management.

HelloCredit is a comparison and information platform. We are not a registered credit provider, bank or financial services provider. Loan offers are provided directly by third-party lenders who are registered credit providers under the National Credit Act, 34 of 2005 ("NCA").

3 User Registration

To access certain features of the Platform, you must create an account. You agree to:

• Provide accurate, current and complete information during registration;
• Maintain and promptly update your account information;
• Keep your login credentials confidential;
• Notify us immediately of any unauthorised access to your account;
• Accept responsibility for all activity that occurs under your account.

We reserve the right to suspend or terminate accounts that contain inaccurate information or that have been used in breach of these Terms.

4 Free Service Terms

HelloCredit's core services — including credit score checks and loan comparisons — are provided free of charge to users. We are compensated by lenders when a loan application is successfully concluded through our Platform.

Some premium or enhanced features within the Reboot programme may be offered on a subscription basis. All applicable fees will be clearly disclosed before any charge is made, and you will have the opportunity to review and accept subscription terms separately.

We will never charge you a fee for checking your credit score or for comparing loan offers on our Platform.

5 Loan Applications & Lender Relationships

When you apply for a loan through HelloCredit, your application is submitted to one or more registered credit providers ("Lenders"). HelloCredit acts as a lead generator and comparison service, not as a credit provider.

• All credit decisions are made solely by the Lender, not by HelloCredit;
• Loan offers, interest rates, fees and terms are set by individual Lenders and are subject to change;
• Displaying a loan offer does not constitute a guarantee of approval;
• Any loan agreement you enter into is directly between you and the Lender;
• HelloCredit is not liable for any actions, omissions or decisions made by Lenders.

Loan comparisons shown on the Platform are based on your credit profile at the time of the search. Actual offers may differ based on a full credit assessment by the Lender. Always read the full pre-agreement statement and quotation before accepting any loan offer.

6 Reboot Programme

The Reboot programme is HelloCredit's guided credit improvement programme. It is designed to help users understand their credit profile and take structured steps toward improvement.

By participating in the Reboot programme, you acknowledge that:

• Results vary based on individual circumstances and commitment to the programme;
• HelloCredit does not guarantee specific credit score improvements;
• Programme content is for educational and informational purposes and does not constitute financial advice;
• Credit bureau data used in the programme is sourced from third-party credit bureaus and may not always reflect real-time changes to your profile.

7 HelloBucks Rewards

HelloBucks are rewards earned by completing activities within the HelloCredit platform, including Reboot lessons and programme milestones. HelloBucks are redeemable as vouchers at participating retailers including Pick n Pay, Shoprite, Checkers, Usave and Takealot.

HelloBucks have no cash value and cannot be transferred, sold or exchanged for cash. We reserve the right to modify, suspend or discontinue the HelloBucks programme at any time, with reasonable notice to affected users. Accumulated HelloBucks may expire if your account remains inactive for a period of 12 consecutive months.

8 Prohibited Conduct

You agree not to use the Platform to:

• Submit false, misleading or fraudulent information;
• Impersonate any person or entity;
• Attempt to gain unauthorised access to any part of the Platform or its systems;
• Use automated tools, bots or scrapers to access the Platform without our written consent;
• Interfere with or disrupt the integrity or performance of the Platform;
• Engage in any activity that violates applicable South African law, including the NCA, POPIA, FICA or the Electronic Communications and Transactions Act.

9 Intellectual Property

All content on the HelloCredit Platform, including but not limited to text, graphics, logos, icons, images, audio clips and software, is the property of HelloCredit (Pty) Ltd or its content suppliers and is protected by South African and international intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display or otherwise exploit any Platform content without our express written permission.

10 Disclaimers & Limitation of Liability

The Platform and all content are provided on an "as is" and "as available" basis without warranty of any kind. HelloCredit makes no representations or warranties, express or implied, as to the accuracy, completeness or reliability of any content or information on the Platform.

To the fullest extent permitted by South African law, HelloCredit shall not be liable for any indirect, incidental, special, consequential or punitive damages, including loss of income, data or goodwill, arising from your use of or inability to use the Platform.

Nothing in these Terms excludes liability for gross negligence or intentional misconduct by HelloCredit, or for any liability that cannot be excluded under applicable law including the Consumer Protection Act, 68 of 2008.

11 Termination

You may close your HelloCredit account at any time by contacting us at support@hellocredit.co.za or through your account settings.

We may suspend or terminate your access to the Platform immediately and without notice if we reasonably believe you have breached these Terms, provided false information, or engaged in fraudulent or unlawful activity. Upon termination, your right to use the Platform ceases immediately.

12 Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of South Africa. Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the courts of South Africa.

If any provision of these Terms is found to be unlawful, void or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

13 Contact

If you have any questions about these Terms and Conditions, please contact us:

• Email: support@hellocredit.co.za
• Website: www.hellocredit.co.za/ContactUs/
• Entity: HelloCredit (Pty) Ltd, Republic of South Africa