Terms & Conditions
Acceptance of terms
By using www.fatcatloans.co.za, you are fully accepting the terms, conditions, and disclaimers contained in this notice. Your access to and use of www.fatcatloans.co.za is subject to agreement with these Terms and Conditions.
Amendments
We reserve the right to change these terms and conditions at any time without prior notice, and your continued use of www.fatcatloans.co.za following any changes shall be deemed to be your agreement of any changes.
Consent, Communication, Services Paid & Financial Products and Services
If you apply for a loan or other credit product or service through this website, you consent to FatCatLoans and/or our third-party business affiliates collecting, using and/or disclosing the personal information that you provide to us to confirm your financial situation and your initial and ongoing eligibility for such credit products and services. In order to provide you with such products and services, you may be contacted by FatCatLoans and/or our third-party business affiliates. In addition, you also agree to allowing FatCatLoans and/or our third-party business affiliates to perform a credit check on you, based on the information you have provided, to confirm your financial situation and your initial and ongoing eligibility for such products and services.
Unless you advise us otherwise, FatCatLoans and our third-party business affiliates may offer you related products, services and pre-qualifications for other related or non-related credit or financial products and services. You acknowledge that: (i) all communications to you from FatCatLoans and its third-party business affiliates may be done via SMS, telephone, email and postal mail; and (ii) LendingArch and our third-party business affiliates may receive a referral fee for providing you with or referring you to a loan or other credit product or service.
The service we provide
www.fatcatloans.co.za is a registered Trading Name of Triple Eight Media Limited. We do not directly offer finance; therefore, we will not provide any money directly to you. However, upon completing the website’s loan application form, we will introduce you to lenders or finance providers who may be able to offer you credit. They will only forward your application to a lender that has looked at your application and accepted it as one where they believe there is a good chance that they can provide a loan.
Examples of cost
Any examples of amounts available to borrow, the terms (repayment periods), or rates stated on the website are purely given as an example relating to the product. These examples are noted to provide you with an understanding of the products available and the costs involved.
www.fatcatloans.co.za does not charge for our service. You must beware of scammers who email or phone you pretending to be FatCatLoans, asking you to pay money to obtain a loan. You must NEVER pay ANY money to ANYONE who asks you to do so as this is scam. We, or any lender on our panel will NEVER ask you to pay money to obtain a loan. We are not a lender; we have no control over any decision-making process concerning your application. When you apply for a loan, the lender will perform some checks on you to establish suitability for credit before any decision or offer is made; these checks may include carrying out a credit check on your current and previous history.
Third party websites
The website may include links to carefully selected third-party websites controlled and maintained by others. We do not endorse these websites, and we are not responsible for the content or availability of any such websites.
Intellectual property rights
In using the website, you agree that you will access the content solely for your personal, non-business-related use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold, or distributed without the prior written consent of the site owner. All intellectual property rights, copyright, or trademarks used on the website and its content, including without limitation the design, text, graphics, and all software and source codes connected with the website, are owned by www.fatcatloans.co.za.
Liability
We cannot guarantee that the lender who accepts your loan application will agree to fund your finance application. Therefore, we will not be liable for any loss that you may incur by using this site unless we have not acted in accordance with these terms and conditions, been negligent, or adhered to standards required by South African law.
Indemnity
You agree to indemnify and hold www.fatcatloans.co.za and our employees and agents innocent from and against all liabilities, legal costs, losses, and other expenses concerning any claims or actions brought against us arising out of any breach by you of these terms and conditions or other liabilities arising out of your use of this website.
Severance
Should any of these terms and conditions should be determined to be invalid, illegal, or unenforceable for any reason by any court of competent jurisdiction. In that case, such term or condition shall be severed, and the remaining terms and conditions shall remain in full force and effect and continue to be binding and enforceable.
Governing law
These terms and conditions shall be governed by and construed in accordance with the law of South Africa. You hereby submit to the exclusive jurisdiction of the courts.
Complaints about this website
Suppose you have searched for finance via our website and have opted to proceed with a lender’s offer. In that case, you need to contact them directly with any questions regarding your loan status, fees, or cancelation of your finance agreement. If your query concerns anything else, please get in touch with Triple Eight Media Limited using the form on the Contact us.