Terms of service

1. Using the platform

These terms apply when you create an account or use the Nthandizi Financial Services platform. You must use the service lawfully, provide accurate information and keep your sign-in details confidential.

2. Eligibility

You must be at least 18 years old and meet the rules for the loan product you select. We may ask for proof of identity, employment, income, address, payment details and supporting contacts before making a decision.

3. Applications and decisions

Submitting an application is a request for assessment; it does not guarantee approval or payment. We may verify information, request additional documents or decline a request in line with our lending criteria and applicable requirements.

4. Costs and repayment

The amount, interest, fees, repayment period and other applicable terms are shown during the process or in your loan agreement. Review those terms carefully. If there is a difference, the signed loan agreement governs the specific loan.

5. Your responsibilities

• Provide information that is current, complete and truthful.
• Tell us when relevant contact, employment or payment information changes.
• Make repayments as agreed and contact the branch team early if you expect difficulty.
• Do not allow anyone else to use your account or misuse the platform.

6. Account security and availability

We work to keep the platform secure and available, but maintenance, connectivity or events outside our control may interrupt access. Tell us promptly if you think your account has been compromised.

7. Privacy

Our Privacy policy explains how personal information is collected, used and protected.

8. Changes

We may update these terms when the service, our processes or applicable requirements change. The latest version will be published here.

9. Contact

Questions about these terms can be raised with the Nthandizi branch team.