Terms of Service

Unstucked Finance (Legally registered as Unstuck Finance Pty Ltd)
Effective Date: 25 June 2025

1. Introduction

Welcome to Unstucked Finance, legally registered as Unstuck Finance Pty Ltd ("we," "us," "our," or "the Company"). These Terms of Service ("Terms") and Privacy Policy govern your use of our website, services, and any financial products we offer.

By accessing our website at https://unstuckedfinance.co.za/, using our services, or submitting a loan application, you agree to be bound by these Terms and acknowledge that you have read and understood our Privacy Policy.

2. Company Information

Trading Name: Unstucked Finance
Legal Entity: Unstuck Finance Pty Ltd
Website: https://unstuckedfinance.co.za/
Email: support@unstuckedfinance.co.za
WhatsApp: +27678711973
Physical Address: 507 JSL Towers, Pretorius Str, Pretoria Central, 0002

3. Services Offered

Unstucked Finance provides the following financial services:

• Personal Loans: Short-term loans ranging from R500 to R5,000
• Tender Financing: Business financing from R50,000 to R200,000

All services are subject to our credit assessment process and approval criteria.

4. Eligibility Requirements

To qualify for our services, you must:

• Be 18 years or older
• Be a South African citizen or permanent resident
• Have a valid South African ID document
• Have a stable source of income
• Provide proof of employment or business income
• Have an active South African bank account
• Meet our affordability assessment criteria

5. Application Process

5.1 Application Submission
Applications can be submitted through:

• Our online application form
• WhatsApp communication
• Email correspondence

5.2 Required Documents
You must provide:

• Copy of South African ID document
• Recent payslip or proof of income
• Latest bank statement (3 months)
• May require Proof of residence
• Additional documents as requested

5.3 Application Assessment
We reserve the right to:

• Verify all information provided
• Conduct credit checks with registered credit bureaus
• Request additional documentation
• Approve, decline, or modify loan amounts
• Set specific terms and conditions

6. Loan Terms and Conditions

6.1 Interest Rates and Fees

• Interest rates are determined based on risk assessment
• All fees and charges are disclosed upfront
• No hidden costs or surprise charges
• Rates comply with National Credit Act regulations

6.2 Repayment Terms

• Personal Loans: Next payday repayment plan
• Tender Financing: Flexible terms based on project requirements
• Early repayment allowed without penalties
• Payment methods: EFT, debit order, or manual transfer

6.3 Default and Collections
In case of non-payment:

• Account will be handed over to debt collection agencies
• Negative payment behaviour reported to credit bureaus
• Legal action may be instituted
• Additional collection costs may apply

7. Privacy Policy

7.1 Information Collection
We collect personal information including:

• Identity and contact details
• Financial and employment information
• Credit history and banking details
• Website usage and technical data

7.2 Information Use
Your information is used to:

• Process loan applications and manage accounts
• Conduct credit assessments and verification
• Comply with legal and regulatory requirements
• Improve our services and customer experience
• Communicate about your account and services

7.3 Information Sharing
We may share information with:

• Credit bureaus for assessment and reporting
• Banks and payment processors
• Legal authorities when required by law
• Professional service providers bound by confidentiality
• Debt collection agencies in case of default

7.4 Data Security
We implement:

• Encryption of sensitive data
• Secure access controls
• Regular security updates and monitoring
• Staff training on data protection

8. Website Terms of Use

8.1 Acceptable Use
You agree to:

• Provide accurate and truthful information
• Use the website for legitimate purposes only
• Not attempt to hack, disrupt, or damage our systems
• Respect intellectual property rights
• Not use the website for illegal activities

8.2 Prohibited Activities
You may not:

• Submit false or misleading information
• Attempt to defraud or deceive the company
• Use automated systems to access our website
• Copy, reproduce, or distribute our content without permission
• Interfere with other users' access to services

9. Intellectual Property

All content on our website, including text, graphics, logos, and software, is owned by Unstuck Finance Pty Ltd or licensed to us. You may not reproduce, distribute, or create derivative works without written permission.

10. Disclaimers and Limitations

10.1 Service Availability
We strive to maintain website availability but cannot guarantee uninterrupted service. We reserve the right to suspend services for maintenance or technical issues.

10.2 Information Accuracy
While we endeavour to provide accurate information, we do not warrant the completeness or accuracy of all website content.

10.3 Third-Party Links
Our website may contain links to third-party websites. We are not responsible for their content, privacy policies, or practices.

11. Liability Limitations

To the maximum extent permitted by law, Unstuck Finance Pty Ltd shall not be liable for:

• Indirect, consequential, or punitive damages
• Loss of profits, data, or business opportunities
• Damages arising from third-party actions
• Technical failures or system downtime

12. Regulatory Compliance

Our NCR registration is in progress, and NCR number will be shared on this website

13. Communication and Notices

13.1 Electronic Communications
By using our services, you consent to receive communications via:

• Email to your provided address
• SMS to your mobile number
• WhatsApp messages
• Website notifications

13.2 Contact Information Updates
You must notify us immediately of any changes to your contact details to ensure proper communication.

14. Termination

We may terminate or suspend your access to our services if you:

• Breach these Terms of Service
• Provide false or misleading information
• Engage in fraudulent activities
• Fail to meet repayment obligations

15. Dispute Resolution

15.1 Internal Resolution
For complaints or disputes:

• Contact us directly at support@unstuckedfinance.co.za
• We will acknowledge receipt within 48 hours
• Resolution attempts will be made within 10 business days

15.2 External Resolution
If unresolved, you may approach respective bodies

16. Governing Law

These Terms are governed by South African law. Any disputes will be subject to the jurisdiction of South African courts.

17. Cookie Policy

Our website uses cookies to:

• Enhance user experience and website functionality
• Analyse website traffic and usage patterns
• Remember user preferences and settings
• Provide personalised content and recommendations

You can manage cookies through your browser settings. Disabling cookies may affect website functionality.

18. Marketing and Communications

We may send promotional communications about:

• New loan products and services
• Special offers and promotions
• Financial tips and advice
• Company updates and news

You can opt out at any time by:

• Contacting us directly

19. Changes to Terms and Privacy Policy

We reserve the right to modify these Terms and Privacy Policy at any time with or without prior notice. Changes will be communicated through:

• Website publication of updated terms
• Email notifications to registered users
• SMS notifications for significant changes

Continued use of our services after changes constitutes acceptance of the new terms.

20. Contact Information

General Inquiries:

• Email: support@unstuckedfinance.co.za
• WhatsApp: +27678711973
• Website: https://unstuckedfinance.co.za/

Complaints and Disputes:

• Email: support@unstuckedfinance.co.za
• Subject: "COMPLAINT - [Your Name]"

Postal Address:
507 JSL Towers, Pretorius Str, Pretoria Central, 0002

21. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

22. Entire Agreement

These Terms and Privacy Policy constitute the entire agreement between you and Unstuck Finance Pty Ltd regarding the use of our services, superseding all prior agreements and understandings.

23. Acknowledgment and Consent

By using our website, submitting an application, or engaging our services, you acknowledge that you have:

• Read and understood these Terms of Service
• Reviewed our Privacy Policy
• Consent to the collection and processing of your personal information
• Agree to be bound by all terms and conditions herein

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Last Updated: 25 June 2025

This document is available in English. Translations may be provided upon request. In case of discrepancies, the English version shall prevail.

Document Prepared By: Unstuck Finance Pty Ltd Legal Department