Website Terms of Use for Local Finance

Last Updated: 22 June 2026

1. Introduction and Acceptance

Welcome to the Local Finance website (“Website”). These Terms of Use (“Terms”) govern your access to and use of this Website. The Website is owned and operated by Local Finance (“we”, “us”, or “our”), a registered microcredit provider.

By accessing or using this Website, you agree to be bound by these Terms. If you do not agree to all of these Terms, please do not use this Website. We reserve the right to change, modify, or update these Terms at any time without prior notice. Your continued use of the Website following any changes constitutes your acceptance of the revised Terms.

2. Purpose of the Website and Services

The Website provides general information about our loan products and services, which are primarily offered to clients in the Winelands area (Paarl, Wellington, and surrounding towns). The content on this Website is for informational purposes only and does not constitute financial, legal, or professional advice. Any decisions you make based on information found on this Website are at your own risk.

3. Use of Website and Acceptable Conduct

You agree to use this Website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of this Website by, any third party.

You must not use this Website to:

  • Engage in any unlawful, illegal, fraudulent, or harmful activity.

  • Impersonate any person or entity, or falsely state or misrepresent your affiliation with a person or entity.

  • Upload, post, or transmit any content that is defamatory, abusive, obscene, threatening, harassing, or racially or ethnically offensive.

  • Transmit unsolicited communications, “spam,” or any form of unauthorized advertising.

  • Attempt to gain unauthorized access to any part of the Website, our servers, or any other systems or networks connected to the Website.

  • Introduce or upload any viruses, Trojan horses, worms, logic bombs, or other malicious or technologically harmful software.

  • Use any robot, spider, web crawler, or other automated means to access, monitor, or copy any content from the Website without our prior written permission.

  • Decompile, reverse engineer, or disassemble any software or other products or processes accessible through the Website.

4. Intellectual Property Rights

All content on this Website, including but not limited to text, graphics, logos, images, software, and trademarks, is the property of Local Finance or its licensors and is protected by South African and international copyright and trademark laws.

You are granted a limited, non-exclusive, non-transferable license to access, view, and print a single copy of the content on this Website for your personal, non-commercial use, provided you keep all copyright and other proprietary notices intact.

You may not:

  • Republish, reproduce, duplicate, copy, sell, or otherwise exploit any content from this Website for commercial purposes without our express prior written consent.

  • Modify, edit, or create derivative works from any content on this Website.

  • Use our trademarks or logos without our prior written permission.

5. Disclaimer of Warranties

THE WEBSITE AND ALL INFORMATION, CONTENT, AND SERVICES PROVIDED THROUGH IT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THE OPERATION OR AVAILABILITY OF THIS WEBSITE OR THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY INFORMATION PROVIDED.

WE DO NOT WARRANT THAT:

  • The Website will be constantly available, uninterrupted, or error-free.

  • The Website is free from viruses, malware, or other harmful components.

  • The information on the Website is accurate, complete, or up-to-date at all times.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LOCAL FINANCE, ITS DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE OR ANY CONTENT THEREIN. THIS INCLUDES, BUT IS NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES.

7. Indemnification

You agree to indemnify, defend, and hold harmless Local Finance and its directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or related to your use of the Website or any breach of these Terms by you.

8. Third-Party Links and Advertising

This Website may contain links to third-party websites or resources. These links are provided for your convenience and information only. We have no control over the content or availability of these external sites and do not endorse them. Your use of such linked websites is at your own risk and subject to their own terms and conditions.

9. Privacy and Personal Information

Your privacy is important to us. Our collection and use of your personal information is governed by our Privacy Policy, which can be found on our website. By using this Website, you consent to the processing of your personal information as described in our Privacy Policy, which is in compliance with the Protection of Personal Information Act 4 of 2013 (“POPIA”).

10. Governing Law and Jurisdiction

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

11. General Provisions

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. These Terms constitute the entire agreement between you and Local Finance regarding your use of this Website.

12. Contact Us

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

Local Finance

Effective Date: 22 June 2026

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