Terms of Service

Introduction

Welcome to RAF Loans. These Terms of Service govern your use of our website, located at rafloan.co.za, and the services we offer. By accessing or using our website, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access the service.

1. User Eligibility

1.1 Age Requirements

You must be at least 18 years of age to use this website and our services. By using our services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into binding contracts under South African law.

1.2 South African Residency

Our services are primarily designed for South African residents with an active Road Accident Fund claim. While our informational content is accessible to anyone, our loan connection services are only available to South African residents.

1.3 Account Information

You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. If we suspect that your information is not complete, current, or accurate, or that you have otherwise violated these Terms, we may deny you access to the website or services.

2. Nature of Services

2.1 Service Description

RAF Loans is a connection service that links Road Accident Fund claimants with potential lenders. We do not directly provide loans but rather facilitate connections between claimants and third-party lenders.

2.2 No Guarantee of Loan Approval

Submission of an application through our service does not guarantee approval for a loan. All lending decisions are made by the third-party lenders based on their own criteria and assessments.

2.3 No Legal Advice

Information provided on our website is for general informational purposes only and does not constitute legal, financial, or professional advice. We recommend consulting with qualified professionals regarding your specific situation.

3. Intellectual Property Rights

3.1 Website Content

All content on this website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of RAF Loans or its content suppliers and is protected by South African and international copyright laws.

3.2 Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our website and services for personal, non-commercial purposes. This license does not include:

• The right to modify or copy the materials
• The right to use the materials for any commercial purpose
• The right to transfer the materials to another person
• The right to reverse engineer or create derivative works from our software

3.3 Trademarks

All trademarks, service marks, trade names, and logos displayed on the website are the property of their respective owners. Nothing contained on the website should be construed as granting any license or right to use any trademark without the express written permission of the owner.

4. User Conduct Rules

4.1 Prohibited Activities

When using our website and services, you agree not to:

• Use our services for any illegal purpose or in violation of any laws
• Attempt to gain unauthorized access to secured portions of the website
• Submit false, inaccurate, or misleading information in your application
• Interfere with or disrupt the website or servers connected to the website
• Introduce viruses, trojans, worms, or other malicious code to the website
• Scrape, data-mine, or otherwise extract data from our website
• Impersonate another person or entity
• Harass, threaten, or otherwise harm others

4.2 Content Submission

If you submit any information, feedback, or content to the website, you grant RAF Loans a non-exclusive, royalty-free, perpetual, irrevocable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.

4.3 Monitoring and Enforcement

We have the right, but not the obligation, to monitor the content submitted to our website. We reserve the right to remove or refuse any content that violates these Terms of Service or is otherwise objectionable.

5. Privacy and Data Protection

5.1 Privacy Policy

Your use of our services is also governed by our Privacy Policy, which is incorporated by reference into these Terms of Service. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

5.2 Data Protection

We comply with South African data protection laws, including the Protection of Personal Information Act (POPIA). We implement reasonable security measures to protect your personal information.

6. Disclaimers and Limitations of Liability

6.1 No Warranties

Our website and services are provided on an “as is” and “as available” basis without any representations or warranties, express or implied. RAF Loans makes no representations or warranties in relation to the accuracy or completeness of the information found on its website.

6.2 Third-Party Content

Our website may contain links to third-party websites or services that are not owned or controlled by RAF Loans. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that RAF Loans shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such websites or services.

6.3 Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall RAF Loans, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the service
• Any conduct or content of any third party on the service
• Any content obtained from the service
• Unauthorized access, use, or alteration of your transmissions or content

6.4 Indemnification

You agree to defend, indemnify, and hold harmless RAF Loans and its licensees and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of your use and access of the service, or your violation of these Terms of Service.

7. Applicable Law and Jurisdiction

7.1 Governing Law

These Terms of Service shall be governed and construed in accordance with the laws of the Republic of South Africa, without regard to its conflict of law provisions.

7.2 Dispute Resolution

Any disputes arising out of or related to these Terms of Service shall be resolved through the courts of the Republic of South Africa, and you consent to the exclusive jurisdiction of these courts.

7.3 Legal Compliance

You agree to comply with all applicable laws and regulations regarding your use of our services, including but not limited to South African consumer protection laws, data protection laws, and financial services regulations.

8. Modification of Terms

8.1 Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

8.2 Notification of Changes

We will notify you of changes to these Terms by posting the revised Terms on our website. Your continued use of the service after the posting of the revised Terms constitutes your acceptance of the changes.

9. Termination Conditions

9.1 Termination by RAF Loans

We reserve the right to suspend or terminate your access to our services, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms of Service.

9.2 Termination by User

You may terminate your use of our services at any time by discontinuing your use of our website. If you have submitted an application, you should contact us directly to request the cancellation of your application.

9.3 Effect of Termination

Upon termination, your right to use the service will immediately cease. However, all provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

10. Contact Information

10.1 Questions and Concerns

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

• Email: info@rafloan.co.za
• Address: Johannesburg, Gauteng, South Africa

10.2 Complaints

If you have any complaints or concerns about our services, please contact us using the information above, and we will work to resolve your concern promptly.

11. Severability

If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein.

12. Entire Agreement

These Terms constitute the entire agreement between you and RAF Loans regarding your use of the service and supersede any prior agreements between you and RAF Loans regarding the service.

Last updated: May 17, 2025