Important Disclaimer & 

Terms of Use

Data Accuracy and Source

The information contained in this report is provided on an "as is" and "as available" basis. All data, including account balances, payment histories, and status indicators, is recorded exactly as received from registered South African Credit Bureaus at the time of the report's generation. While we strive for precision, we do not warrant the absolute accuracy, completeness, or timeliness of the information provided by these third-party repositories. Variation in Balances and Third-Party Fees

Users are hereby notified that actual outstanding balances may differ from those displayed in this report. This is particularly prevalent in instances where:

• Accounts have been handed over to legal practitioners or debt collection agencies.
• Third-party agents have been appointed to manage the debt, as these entities are legally permitted to add administration, collection, and legal fees in accordance with the National Credit Act.
• Data Latency exists between the date of a payment and the date such payment is processed and reported by the credit provider to the bureau.

Legislative Compliance and Consumer Rights

This report is issued in compliance with the National Credit Act (NCA) 34 of 2005 and the Protection of Personal Information Act (POPIA) 4 of 2013. In terms of Section 72 of the NCA, consumers have the right to challenge the accuracy of any information held by a credit bureau. If you believe any information in this report is factually incorrect, you are encouraged to lodge a formal dispute with the relevant credit bureau or the Credit Ombud.Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any loss, damage, or expense (direct or indirect) arising from reliance on the data contained herein, or from any errors or omissions in the records supplied by the bureaus.