Terms of Use

These Terms of Use govern your access to and use of the website located at Panda Personal Loans and any services offered. By accessing or using the Site (www.pandapersonalloans.co.za), you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Site.

Note: This documentation is a general template tailored for South Africa and the consumer credit context. It should not be taken as legal advice. Please have a South African attorney review and customise it to your business model and regulatory eligibility requirements.

Who We Are

Panda Personal Loans is an online platform that helps users compare personal loan (for instance, business loans, home loans and payday loans) offers from third‑party lenders/credit providers or a credit intermediary/broker, or a direct lender. We are a financial blog and not a financial advisor or credit provider.

Eligibility Requirements

  • You must be at least 18 years old, legally capable of entering into binding contracts, and a South African resident to use the services.
  • You warrant that any information you submit is true, accurate, current, and complete when applying for a loan or any of third third-party credit providers mentioned on our blog

About Our Services

  • If we are a marketplace/intermediary, we facilitate introductions between users and third‑party credit providers. We do not make credit decisions, set interest rates, or guarantee any loan approvals. Any loan agreement you enter is solely between you and the credit provider (third-party credit providers)
  • If we may receive fees or commissions from partners for referrals or successful applications. Details will be disclosed where required.

No Financial or Legal Advice

Content on the website is for general information only and does not constitute financial, legal, tax, or investment advice. You should obtain independent professional advice before making financial decisions. Reach out to a professional financial advisor or your banker

Your Application; Consent to Credit Checks

Application procedures are conducted by third-party lenders. By submitting an application or enquiry, you authorise the lender to:

  • Verify your identity and employment,
  • Conduct affordability assessments,
  • Access and process your credit information with registered credit bureaus (in compliance with the NCA and POPIA),
  • Contact you about your application and related offers.

Providing inaccurate or misleading information may result in rejection and/or account termination. You will not get the loan you want.

Third‑Party Links and Services

Panda Personal Loans may contain links to third‑party websites and services (mostly credit providers). We are not responsible for their content, terms, privacy practices, or products. Use them at your own risk.

Privacy and Data Protection

  • We process personal information in accordance with the Protection of Personal Information Act, 4 of 2013 (POPIA). See our Privacy Policy for details on what we collect, why, lawful bases, retention, data subject rights, international transfers (if any), and security measures.
  • By using the website, you consent to the processing of your personal information as described in our Privacy Policy.

Electronic Communications and Records

Under the Electronic Communications and Transactions Act, 25 of 2002 (ECTA), you agree to receive communications electronically, and consent to electronic records, disclosures, and signatures for transactions that might be conducted via the website.

Acceptable Use; Prohibited Conduct

When using the Panda Personal Loan website, you agree not to:

  • Use the Site for unlawful purposes or in violation of the NCA, POPIA, ECTA, the Consumer Protection Act (CPA), or any other applicable law.
  • Submit false, misleading, or fraudulent information.
  • Interfere with or disrupt the website’s security or operations (e.g. spamware, malware, scraping, reverse engineering, or any fraudulent cyber activities except as permitted by law).
  • Infringe intellectual property or privacy rights.
  • Use automated means to access the Site without our prior written permission.

Intellectual Property

  • All content on the website, including text, graphics, trademarks, logos, and software, is owned by us or our licensors and protected by applicable IP laws. You may not reproduce, modify, distribute, or create derivative works without our prior written consent.
  • You retain rights in content you submit, but grant us a non‑exclusive, worldwide, royalty‑free licence to use, host, store, reproduce, and display such content for the purpose of operating and improving the Services.

Disclaimers

  • The Panda Personal Loans website and services are provided without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, or non‑infringement.
  • We do not warrant that approvals will be granted, that rates shown will be available to you, or that the website will be uninterrupted, secure, or error‑free.
  • While we aim for accuracy, we do not guarantee the completeness or timeliness of information on the Site.

Indemnity

You agree to indemnify and hold harmless Panda Personal Loans and its affiliates, directors, officers, employees, and agents from any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Site, or your violation of any law or third‑party rights.

Suspension and Termination

  • We may suspend or terminate your access to the website or Services at any time, with or without notice, for any breach of these Terms or where required by law or regulators.
  • Upon termination, provisions that by their nature should survive will survive (e.g., intellectual property, disclaimers, limitation of liability, indemnity, governing law).

Complaints and Dispute Resolution

  • Contact us first to resolve concerns.
  • If your complaint relates to credit matters and is not resolved, you may contact:
  • Nothing in this section limits your rights under the CPA or other applicable laws.

Governing Law and Jurisdiction

These Terms are governed by the laws of the Republic of South Africa. You consent to the exclusive jurisdiction of the courts of South Africa for disputes arising out of or relating to these Terms or the Services.

Changes to the Website and Terms

We may modify the Site, Services, and these Terms from time to time. Material changes will be posted on the Site with an updated “Effective date.” Continued use after changes constitutes acceptance.

Compliance and Regulatory Disclosures

  • We comply with applicable provisions of the NCA, POPIA, ECTA, CPA, and, where relevant, the Financial Sector Regulation Act and FSCA conduct standards.
  • If we are an intermediary, we will disclose any conflicts of interest and remuneration arrangements as required by law.
  • If insurance products (e.g., credit‑life) are offered, associated regulatory disclosures will be provided prior to purchase.

Availability and Maintenance

We may temporarily suspend the Site for maintenance, updates, or security reasons. We will endeavour to minimise disruption.

Contact Us

Don’t hesitate to get in touch for any enquiries or clarification regarding our website

  • Legal/Support: info@pandapersonalloans.co.za
  • Postal/Physical Address: 44 Stanley Avenue, Milpark, Johannesburg
  • Operating hours: 24/7
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