Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mattis sit vehicula nunc sodales. Non nec semper aenean facilisis pharetra. Sed lectus pulvinar amet ipsum in. 

1. See if you qualify - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mattis sit vehicula nunc sodales. Non nec semper aenean facilisis pharetra. Sed lectus pulvinar amet ipsum in. 
2. Set up and activate your account - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mattis sit vehicula nunc sodales. Non nec semper aenean facilisis pharetra. Sed lectus pulvinar amet ipsum in. 
3. Select how much cash you want and your loan terms - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mattis sit vehicula nunc sodales. Non nec semper aenean facilisis pharetra. Sed lectus pulvinar amet ipsum in. 
4. Click “Activate Now” to receive your loan - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mattis sit vehicula nunc sodales. Non nec semper aenean facilisis pharetra. Sed lectus pulvinar amet ipsum in. 

Dui habitant mattis aliquam, morbi pretium tortor dolor. Sollicitudin metus, penatibus urna a, euismod. Id varius nulla eu a. Nibh augue erat fusce enim, tincidunt. Quis urna in gravida eget. Volutpat integer et amet, quis.


Ready to Apply for a Loan?

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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mattis sit vehicula nunc sodales. Non nec semper aenean facilisis pharetra. Sed lectus pulvinar amet ipsum in. 

1. See if you qualify - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mattis sit vehicula nunc sodales. Non nec semper aenean facilisis pharetra. Sed lectus pulvinar amet ipsum in. 
2. Set up and activate your account - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mattis sit vehicula nunc sodales. Non nec semper aenean facilisis pharetra. Sed lectus pulvinar amet ipsum in. 
3. Select how much cash you want and your loan terms. - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mattis sit vehicula nunc sodales. Non nec semper aenean facilisis pharetra. Sed lectus pulvinar amet ipsum in. 
4. Click “Activate Now” to receive your loan. - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mattis sit vehicula nunc sodales. Non nec semper aenean facilisis pharetra. Sed lectus pulvinar amet ipsum in. 

Dui habitant mattis aliquam, morbi pretium tortor dolor. Sollicitudin metus, penatibus urna a, euismod. Id varius nulla eu a. Nibh augue erat fusce enim, tincidunt. Quis urna in gravida eget. Volutpat integer et amet, quis.

![apply-for-loan.jpg](/uploads/apply_for_loan_0721621926.jpg)




Get a loan in just 4 easy steps! Learn how below.

How to: Apply for a loan

How to: See if you qualify

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Loans

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FinChoice makes the hard times easier by providing personalised loans that are perfect for your individual needs.

Home

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Analytics Engineer

Data

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Lead Engineer

Tech & Engineering

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Marketing Manager

Marketing

Product Desginer

Product

Analytics Engineer 2

Lead Engineer 2

Marketing Manager 2

Product Desginer 2

Competitions

We may transfer your personal information to foreign countries mainly for the business purposes of the companies within the HomeChoice International PLC group, for retention or if our service providers are cross border or make use of cross border systems. If you continue to use our website or apply to or enter into an agreement with us, you expressly agree that we may transfer the personal information cross border for these purposes. We will only share information cross border to recipients who have laws similar to the applicable laws, or who have entered into an agreement with us to include the relevant principles prescribed by the applicable laws.

Language Policy

1.1 Pre-Agreement Statement and Quotation

The Pre-Agreement Statement and Quotation used in the FinChoice lending process forms an integral part of the credit agreement and as such will be made available to customers upon entering into a credit agreement with FinChoice. Customers are able to choose from English, Afrikaans, Zulu, Xhosa or Sesotho as a preferred language for all their documents. All translated versions are also available for download on www.finchoice.com.

1.2 Loan Agreement and Statements

The loan contract and statement used in the FinChoice lending process forms an integral part of the credit agreement and as such will be made available to customers upon entering into a credit agreement with FinChoice. Customers are able to choose from English, Afrikaans, Zulu, Xhosa or Sesotho as a preferred language of communication for all their documents. All translated versions are also available for download on www.finchoice.com.

1.3 Terms and Conditions

FinChoice has made all documents and forms as required by the National Credit Act (NCA) available in English, Afrikaans, Zulu, Xhosa and Sesotho. Customers are able to select one of these languages as their preferred language of communication with FinChoice during their loan application process. In addition, customers will receive standard pre-printed Terms and Conditions relating to FinChoice loans in English and in Afrikaans, Zulu, Xhosa or Sesotho – depending on the customers indicated preference. Translated versions of the Terms and Conditions for FinChoice Loans are also available for download on www.finchoice.com.

1. Documentation

The FinChoice call centre has call centre agents that are fluent in the official languages of South Africa and are therefore able to interact with and assist FinChoice customers in their preferred home language as and when required. Furthermore, all FinChoice employees undergo thorough training on how to handle and respond to the queries that are most frequently asked by customers, thereby ensuring as far as possible that customers are ably assisted, both in respect of general and technical enquiries, in their preferred language when required.

Advertising material is printed in English only. The English used is plain, understandable English with the aim of ensuring customers have the best possible understanding of the FinChoice loan offer.

2. Marketing and Advertising Materials

Privacy Policy

FinChoice is committed to business practices in compliance with all applicable privacy legislation. FinChoice operates in different jurisdictions and the “applicable legislation” to which we refer in this policy includes (i) the South African Protection of Personal Information Act 4 of 2013 (“POPI”), the Mauritian Data Protection Act 20 of 2017 (“MU DPA”) and the Botswanan Data Protection Act 535 of 2018 (“Botswana DPA”). “Personal information” (or referred to simply as “information”) includes any personal information as specified in the applicable legislation.

In this policy “FinChoice” refers to any or all of (i) Finchoice South Africa; (ii) FinChoice Africa Ltd – incorporated in Mauritius, and (iii) FinChoice Botswana – incorporated in Botswana, whichever applies in the context. This policy applies whenever we process personal information of a customer or a person that we regard as a potential customer (“you” or “customer”) who visits or makes use of any of our platforms or communicates with us through any channel. It also applies if you are a third-party and we process your information as a result of your relationship with our customers (for example if you are a beneficiary under a policy of our customer).

We may amend this policy from time to time, in line with changes required by legislation or our business. You must therefore review the policy whenever you visit any of our channels for any such changes. The amended version shall supersede and replace all previous versions. If you have any questions about it or do not agree with it, please contact us directly at [**popi@finchoice.co.za**](mailto:popi@finchoice.co.za) or by calling our contact centre at **[0861 346 246](tel:0861346246)**. By entering into any agreement with us, or by applying to enter any such agreement, or by using our mobi site, or any other FinChoice platform you agree to the terms of this policy.

Different privacy policies may apply to employee and supplier information.

Introduction

FinChoice intends to protect your personal information and shall take reasonable internal technical and organisational security measures to prevent loss of or damage to personal information, unauthorised access, disclosure, modification, or unauthorised destruction of the data. However, information transmitted to us online

(via the internet) is done so at your own risk. When entering your personal information via the internet, it is your responsibility to ensure that you use a secure computer or other electronic device. The internet is an open and often vulnerable system and the transfer of information via the internet is not completely secure, it is your responsibility to ensure that you always use a secure and trusted internet connection. Once we have received your personal information, we will store all information in secured environments, for example on secured servers in a protected data centre.

We also have physical and electronic access controls to our buildings.

We only authorise access to information to those employees who require it to fulfil their designated responsibilities.

When you use some of our electronic channels for transactions, you may be given an access number, username, password and/or personal identification number (PIN). You are responsible to keep all of this information safe and confidential.

Securing Personal Information

The FinChoice channels, platforms and our correspondence with you may include links to other apps or third-party websites offering our products or services or their own products or services, which do not fall under our supervision. We cannot accept any responsibility for your privacy or the content of these third-party sites, but we display these links in order to make it easier for you to find information about specific subjects, products or services. **Your use of and reliance on these links is at your own risk.**

Links on our channels or platforms

You have certain rights in relation to your personal information. As available and except as limited by POPI, the MU DPA and the Botswana DPA, you have the following rights in respect of your personal information:

- **right of access:** the right to be informed of and request access to the personal information that we process about you;
- **right to rectification:** you may request that your personal information be amended or updated where it is inaccurate or incomplete;
- **right to erasure:** the right to request that we delete your personal information, subject to applicable limitations and exceptions;
- **right to restrict processing:** you may request that we temporarily or permanently stop processing your personal information;
- **right to object:** you may object to us processing your personal information, including to object to your personal information being processed for direct marketing purposes or in terms of;
- **right not to be subject to automated decision-making:** where a decision that has a legal or other significant effect is based solely on automated decision making, including profiling, you may, subject to certain exceptions, or request that your personal information not be processed in that manner.

Where you have previously provided consent for us to process your personal information, you may also withdraw your consent. However, we may continue to process or store your personal information if another legal justification exists for the processing or storage.

Your legal rights

**Quality:** we want to ensure that your personal information is accurate and up to date. You may ask us to correct or remove any personal information that you think is inaccurate, by sending us an email at [**popi@finchoice.co.za**](mailto:popi@finchoice.co.za) or calling our contact centre at **[0861 346 246](tel:0861346246)**. Please also inform us promptly of any updates to your personal information.

**Access:** you have the right to request that we provide you with personal information that we hold about you. You must contact us directly to do so or send an email to [**popi@finchoice.co.za**](mailto:popi@finchoice.co.za). This request may be subject to an access to information request in terms of applicable laws and may require you to verify your identity, identify the rights you are wishing to exercise and pay a fee.

The right to access your personal information may further be limited in terms of applicable law.

Quality and access to your information

- general personal information and contact details like name, ID numbers, address, contact numbers, email address, employment etc;
- biometric information such as your photograph, voice, fingerprint or facial recognition;
- financial, payment, banking and account information;
- demographic information;
- credit bureau and fraud;
- cookies and device information like browser settings, IP address, time of logging on etc;
- advertising and online information like your interactions with websites and platforms where we advertise our products;
- payment behaviour;
- your views, opinions preferences; and
- consent records

Categories of information collected and processed

We collect information about you as follows:
- directly if you provide it to us through any communication with us or via any FinChoice channel, including but not limited to our electronic channels, applications, our mobi site or our call centre;
- third party sources with whom we have contractual relationships to regulate the use of the information. These include the credit bureaus, verification companies, fraud agencies, business affiliates and other companies within the HomeChoice International PLC group
- public sources, including social media
- cookies’ and
- friends and family.

We may collect your personal information from sources other than yourself where:
- the information has been obtained from a public record or because the information has been made public by you;
- you have consented to the collection from another source;
- the collection from another source will not prejudice your legitimate interests;
- the collection from another source is necessary to maintain our legitimate interests or of a third party to whom the information is supplied;
- compliance would not prejudice a lawful purpose of the collection; or
- collecting the information from you is not reasonably practicable in the circumstances.

You may request us to inform you where we collected your information from if not directly from you, by sending us an email at popi@finchoice.co.za.

Collecting your information

We typically use your information for the following purposes:
- credit checks, fraud checks and affordability assessments;
- continuously determine your internal credit score with us, including receiving and considering any available information from the credit bureau, to identify and determine the products, services or credit for which you may reasonably qualify and market these to you and assist us with our compliance obligations in law;
- continuously use credit bureau information we hold for our compliance obligations in law;
- reporting to the credit bureau as required by law;
- update information from time to time through batch updates received from the credit bureau;
- perform in terms of any agreement with you;
- make, or assist in making, credit decisions about you and to verify the details that you have provided to us;
- operate and manage your account and manage any application, agreement or correspondence with us;
- manage any benefits you may receive as a result of an agreement between us and a customer;
- linking all information about you available within the HomeChoice International PLC group of companies to use it for legitimate business purposes, including but not limited to updating records, debt collection, making marketing selections and contacting you;
- carry out, monitor and analyse our business operations;
- contact you as allowed for in law by email, SMS, letter, telephone or in any other way about our products and services, or a third party’s products or services that may interest you, unless you tell us that you do not want to receive these marketing communications;
- identify or prevent fraud and money laundering;
- form a view of you as an individual and to identify, develop or improve products that may interest you;
- market research and the building of marketing or credit models;
- data science, modelling, statistical and analytical purposes,
- audits;
- perform other administrative and operational processes including the testing of systems;
- trace you;
- recover any debt you owe us and/or for the purposes of on selling debt to a third-party;
- comply with our regulatory or other legal obligations;
- share information as set out in this policy, including with other business affiliates and companies within the HomeChoice International PLC group where we believe you may be interested in their products or services;
- carry out any other reasonable business operation considering our legitimate business interests and our relationship with you; and
- your information may also be used for other purposes for which you give your permission or where the law allows us to use it.

We aim to only process personal information in a manner that is adequate, relevant and not excessive, considering our purposes of use.

How we use your personal information

Some marketing and credit risk decisions are done solely through automated processes. In instances where these may have a legal impact or affect you significantly, we implement adequate measures to protect your legitimate interests.

Automated decisions

If you qualify as our customer or we obtained your details in the context of a sale we will market to you unless you opt out. We share your information with other HomeChoice International PLC group companies, and they may also market to you unless you opt out. Where we believe that third party products outside of the group may interest you, we will also market these third-party products to you. You can always opt out from these. We will never sell your information to third-parties for marketing purposes.

Direct Marketing

We will only process information about children with the consent of a competent person (someone like the parent or guardian) or if the applicable laws otherwise allow it.

We do not intend to use any ‘special/sensitive personal information’ as defined in the applicable laws, other than health related information when we offer you credit insurance, criminal behaviour for the purposes of assessing insurance claims or fraud related information when conducting compliance and risk assessments.

Our processing of special personal information will be in compliance with the requirements of the applicable laws.

Personal information about children and special/sensitive personal information

We make use of cookies as regulated in our cookie policy.

Cookies

We will keep your personal information confidential and only share it for purposes set out in this policy or if you have consented thereto, or if we otherwise have a legal right or obligation to share it.

We have trusted relationships with various third-parties who provide services to us or on our behalf and who may process your personal information on our behalf. We will share information with them on a need-to-know basis and subject to a contract to maintain the security of your personal information and to use it for our specified purposes only.

In addition, we may share information with the following parties:
- debt collectors, debt counsellors and payment distribution agencies for purposes relating to the credit agreement, including refunds to be processed;
- payment system service providers;
- regulatory and governmental authorities, ombudsmen, or other authorities, including tax authorities;
- credit Bureaus that collect information about credit applications;
- fraud prevention agencies or third-party fraud prevention applications;
- business affiliates or other companies within the HomeChoice International PLC group, to prepare offers and market to you and for other legitimate business purposes like providing services to companies within the HomeChoice International PLC group or for retention purposes;
- affiliates with whom you also hold a relationship, mostly to confirm details around your engagement with us.
- any third party to whom we sell or transfer a portion of our business; and
- any other third-party if we allowed to do so in law.

Information we share

When you apply to us for any financial product or service, we may request your credit report which will provide us with your credit profile. Whether or not your application is successful, the credit bureau will place an enquiry (footprint) on your

credit profile that may be seen by other credit providers. Large numbers of applications within a short time period may affect your credit profile.

Credit Bureaus

We will report any security breach to both the Regulator and the individuals or companies involved. If you want to report any concerns about our privacy practices or if you suspect any breach regarding your personal information, kindly notify us by sending an email to [**popi@finchoice.co.za**](mailto:popi@finchoice.co.za).

Breach

You may, on reasonable grounds, object to us using your Information. If you object, we will stop using your information, except if the law allows its continued use or retention.

Right to object

If you believe we are using your information unlawfully, you may lodge a complaint directly to us at:

Email: [**popi@finchoice.co.za**](mailto:popi@finchoice.co.za)

Contact Centre: **[0861 346 246](tel:0861346246)**

Alternatively, you may lodge a complaint to the appropriate Information Regulator with the following contact details:

**South Africa: The Information Regulator**

Website: [https://inforegulator.org.za/](https://inforegulator.org.za/)

Address: 27 Stiemens St, Braamfontein, Johannesburg, 2001

Contact number: [010 023 5200](tel:0100235200)

Email: [POPIAComplaints@inforegulator.org.za](mailto:POPIAComplaints@inforegulator.org.za) or [enquiries@inforegulator.org.za](mailto:enquiries@inforegulator.org.za)

**Mauritius: Data Protection Office**

Website: [https://dataprotection.govmu.org/SitePages/Index.aspx](https://dataprotection.govmu.org/SitePages/Index.aspx)

Address: Level 5, SICOM Tower, Wall Street, Ebene Cyber City, Ebene

Contact number: [+230 460 0251](tel:+2304600251)

Fax number: +230 489 7341

Email: [dpo@govmu.org](mailto:dpo@govmu.org)

**Botswana: Information and Data Protection Commission**

The Information and Data Protection Commission has not yet been established. Contact us directly by sending an email to **[popi@finchoice.co.za](mailto:popi@finchoice.co.za)** to assist with your complaint.

Lodging a complaint

We want to ensure that your information is accurate and up to date. You may ask us to correct any personal information that you think is inaccurate or request us to remove your information by sending an email to **[popi@finchoice.co.za](mailto:popi@finchoice.co.za)**. Please note that such a request may require you to verify your identity and may be subject to the requirements set out in the Promotion of Access to Information Act (PAIA).

You may request a record of personal information that we hold about you by sending an email to **[popi@finchoice.co.za.](mailto:popi@finchoice.co.za)**

Quality and access to your Information

We retain personal information in accordance with the required retention periods in law or for legitimate business purposes. We will only retain your personal information for the purposes explicitly set out in this policy. We may keep personal information indefinitely in a de-identified format for statistical purposes.

Retention of Information

Trans-border flow of Information

We have listed all our terms and policies below.

Terms & Conditions

Proof of Income Form (42 kB)

Proof of Allowance Form (41 kB)

Proof of Income and Allowance Forms

July 2019 Conflict of Interest Policy (103 kB)

Insurance Conflict of Interest Policy

March 2019 Botswana Loan Ts & Cs (97 kB)

FinChoice Botswana Loan Terms and Conditions

This is the website (or ‘site’) of FinChoice. FinChoice SA (Pty) Ltd is an authorised financial services provider (FSP no. 52725) and FinChoice Africa Ltd, an authorised financial services and registered credit provider (NCRCP 8162). If you have any queries or questions regarding this website, you can contact us via email on info@finchoice.com.The information on this site and its pages has been provided by FinChoice and may offer services and products to users from time to time, subject to the terms and conditions set out herein. These terms and conditions are binding and enforceable against any persons that access the mobi site or any part thereof in terms of Section 11 of the Electronic Communications and Transactions (ECT) Act 25 of 2002.Please read these terms carefully, along with our Privacy Policy, they will govern our relationship with you in relation to your use of finchoice.mobi and will constitute an ongoing binding agreement between FinChoice and yourself.If you do not agree to or accept these terms of use, it is important that you stop using this site as further use will automatically bind you to these terms and conditions.

By accessing the website, you confirm that you have read, understood and agreed to the terms. FinChoice may, at any time, modify any of the terms and any such modifications will supersede and replace any previous terms. The updated terms will be made available on the website. Each time you access the website, you agree to be bound by the terms, as they have changed. If you do not accept these terms of use, it is important that you stop using this site. The terms of use refer to your use of this site and are not related to any commercial agreement between FinChoice and yourself or any third party in accordance with the use of this website.

Acceptance of terms

While FinChoice makes every effort to update the information provided on the website on a regular basis, and provide content that is correct, FinChoice makes no representations or guarantees whether direct, implied by law or indirect, as to the accuracy, completeness or reliability of any information, data and/or content on the website.The information, ideas and opinions expressed on this website are of a general nature and should not be regarded as personal or financial advice or guidance. Before making any decision or taking any action based on or in relation to information, ideas or opinions found on this site, which may affect you personally or your business, you should consult an appropriate qualified person for advice in the area in which you need guidance. Your use of this site, and any dispute arising from use or publication of this website, is subject to the laws and exclusive jurisdiction of the courts of South Africa.

Website Content

By accessing the website, you confirm to FinChoice that you are legally entitled to do so. You confirm that you are legally authorised to subscribe to any of the FinChoice products or services that you have subscribed to. You further confirm that you will not use this website, the products and/or the services or any information made available or sent to you by FinChoice for any purpose that is unlawful or prohibited under South African or International law or is in contravention of the [www.finchoice.co.za](https://www.finchoice.co.za/) terms of use. You hereby indemnify FinChoice against any loss, liability, damage or expense of any nature whatsoever which you or any third party may suffer as, a result of or attributable to, whether directly or indirectly as a result of the use of this site or a breach of any of the warranties in these terms. This site is available to you for your non-commercial use. We may query, modify, withdraw, or block your access to this site, or other FinChoice channels as a result of your use of this site, at any time. You may view or print pages for your personal use, but no part of this website may be reproduced or transmitted for any other purposes. This site is intended to provide general information regarding FinChoice, our products and services and other information, which may be of interest to you. It is not intended to provide comprehensive or authoritative information on any subject. The information on this website, including all research, opinions or other content is not intended to, and does not constitute financial, accounting, tax, legal, investment, consulting, lifestyle or other professional advice or service. It remains your responsibility to conduct comprehensive research and consult suitable qualified persons or institutions to assist with making any decisions that may affect your personal or business finances.

Site use and indemnification

FinChoice owns all copyrights and intellectual property rights, or is the rightful user, for all materials, texts, drawings and data made available on the website, and is protected by South African and International intellectual property laws. Any unauthorised reproduction, transmission, distribution, sale, publication, copying, broadcast, circulation or exploitation or misrepresentation of these materials or any part thereof will be an infringement of these copyrights and intellectual property rights. Personal use of these materials for the purpose of signing up for or acquiring any FinChoice services are, however, allowed for and will not constitute copyright or intellectual property law infringement. The trademarks, registrations, names, logos and service marks on this site are registered and unregistered FinChoice trademarks. Nothing on this site should be construed as granting any license or right to use any trademark without the prior written permission of FinChoice.

Copyright and intellectual property

From time to time, this site may include links to other sites which may or may not be of assistance to you as user. These links and/or information are provided in order to enhance the quality and/or other featured content and are not intended to signify that FinChoice endorses or otherwise has any responsibility for the content of the linked website or mobi site. FinChoice does not explicitly endorse or approve of any third party or their advice, opinions, information, products or services is expressed or implied by any information on this website. External links may be provided for your convenience, but they are beyond the control of FinChoice and no representation is made as to their content. Use or reliance on any external links provided is at your own risk. When visiting external links, you must refer to the external terms and conditions of use and/or the terms and conditions of the third party.

Third party links

No email addresses, names, telephone numbers, fax numbers or web addresses published on the FinChoice mobi site may be incorporated into any database used for electronic marketing or similar purposes. No permission is given or should be implied that information on the FinChoice site may be used to communicate unsolicited communications to FinChoice and all rights detailed in section 45 of the ECT Act are reserved. From time to time, this site may include contact information for FinChoice associates and/or partners and/or governmental, financial or legislative bodies. This contact information is for the sole purpose of assisting the user, and FinChoice does not guarantee the accuracy of this information, nor do we condone, endorse or explicitly affiliate ourselves with any of the associates, partners or bodies or their views or services.

Contact information

Nobody may establish a hyperlink, frame, meta-tag or similar reference, whether electronically or otherwise, to this site or any subsidiary pages before receiving FinChoice’s prior written approval, which may be withheld or granted subject to the conditions FinChoice specifies from time to time.

Permission to link to our site

No person, business or website may frame the FinChoice site or any of the pages on this site in any way whatsoever.

Framing

Barring bona-fide search engine operators, no person, business or website may use any technology to search and/or gain information or copy content from FinChoice’s site without its prior written consent.

Robots, crawlers and spiders

Save as set out in these terms, FinChoice makes no warranties, representations, statements or guarantees (whether direct, implied by law or indirect) regarding the site and its services or services implied by the site. FinChoice does not guarantee or represent that the information and services advertised on the website are appropriate for use in any jurisdiction. 

To the fullest extent possible by law, FinChoice expressly disclaims all (direct or indirect) warranties, including, without limitation, warranties and non-infringement, compatibility, security and accuracy in respect of this website. We do not warrant that the site or any software available for download via the site is free of viruses or harmful codes. Neither FinChoice nor its directors, stakeholders, staff or associates shall be responsible for, and they hereby disclaim all liability for, any loss, liability, damage (whether direct, indirect or consequential) and/or expense of any nature whatsoever which may be suffered by you or any third party, as a result of or which may be attributable, directly or indirectly, to your access and use of the website and/or any information contained on or received via the website, your use of the services and your reliance on any information offered via the website and/or FinChoice services and/or products. Without limiting the generality of the aforementioned, neither FinChoice nor its directors, stakeholders, staff or associates shall be liable for any loss, harm or damage suffered by you as a result of transmitting information to us. Any unsolicited confidential or proprietary information sent to us via the Internet cannot be guaranteed to remain confidential. If you need to send such information to us and are concerned about the security of this information, please contact us and we will advise you of the most appropriate method of transmission. 

Such advice does not warrant any liability by FinChoice for the safeguarding of your information. This website is made available for public viewing on the basis that FinChoice disclaims, to the extent lawfully permitted, all liability whatsoever for any loss or damage howsoever arising from the use of this site or reliance upon the content of this site. Nothing in this site is intended to be, nor should be construed as, an offer to enter into a contractual relationship with you or anyone else, except for these terms which govern the relationship between us with regards to your use of this site. The advertising of our services via the site merely constitutes an invitation by FinChoice for you to make an application for credit and/or other services offered by FinChoice or our partners/associates. FinChoice reserves the right to accept or deny any application for any reason whatsoever on notice to you. Should FinChoice accept your application for credit or any other service or product, the agreement is governed by the terms and conditions of the application and/or loan agreement itself an not by these terms which specifically relate to the use of this site.

Warranties, disclaimers and limitation of liability

We respect your privacy and your personal information, whether or not you are an existing customer, past customer or have never been a customer of FinChoice. Please refer to our Privacy Policy also located on our website and mobi site, which governs the way in which we collect and use the personal information provide to us as part of the application process. You give FinChoice permission to collect and use your personal information when you use the site.

Privacy policy

Access to the services, content, software and downloads available from finchoice.mobi may be classified as ‘electronic transactions’ as defined in terms of the ECT Act and FinChoice therefore has the duty to disclose the following information:
- The full name and legal status of the mobi site owner: FinChoice a division of HomeChoice (Pty) Ltd, Reg. No. 1985/002759/07.
- Street address : 78 Main Road Wynberg, 7800
- Postal address: Private Bag X150, Claremont 7735
- Physical address for receipt of legal services: 78 Main Road Wynberg, 7800
- Main business: Financial Services
- The website address of FinChoice: [http://www.finchoice.co.za](http://www.finchoice.co.za)
- The mobi site address of finchoice.mobi: [http://www.finchoice.mobi](http://www.finchoice.mobi)
- The official email addresses of the finchoice.mobi web and mobi sites: [info@finchoice.com](mailto:info@finchoice.com)
- Management: [http://www.finchoice.co.za](http://www.finchoice.co.za)

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