JUSTMONEY TERMS & CONDITIONS

This agreement was last updated 15 March 2021 .

This contract applies to you when you use the Justmoney website, our services, and when you interact with us.

Our services

The products and services offered by South Africa’s banks and financial services providers are complicated and often their data and information are complex and unclear. That is why Justmoney.co.za has been created to help provide consumers with clarity of information and help them make informed choices from a single source.

We provide information to assist you in making comparisons between products, but we do not give advice or recommendations on your choice of product, services or providers. The information we provide is for your guidance only.  

By agreeing to our terms and conditions you also agree that we may perform a third-party credit check on your behalf. 

We give you free access to your credit report and credit score

To use our service, you must register through our Justmoney CreditSav website (www.justmoneycreditsav.co.za).  Your profile will give you access to your credit report and your credit score. By registering for our service, you give us permission to obtain these monthly reports for you from a registered credit bureau. We will let you know by email when a new report is available.

If you have not registered to use our services, but if a credit report is drawn with your permission and/or by completing our product forms, you give us permission to automatically create a credit score profile on your behalf where you are able to access your credit report as required once you have activated your profile, and we may send you communication to visit your profile.

Our partner companies

Many providers in South Africa do not publish actual rates for products such as mortgages, vehicle finance and short-term loans, so we are currently unable to compare those products as we do with bank accounts and credit cards.

However, wherever possible we have created partnerships with independent companies that provide access to a wider number of providers and products, or with companies that we feel offer good service and value in particular areas.

We act as a referral service to these partners.

Any advice provided by partner companies does not constitute advice from us, and any contracts and agreements entered into by users with those companies are not agreements with Justmoney.co.za.

If you have any concerns or complaints about our partners please contact us on info@justmoney.co.za.

 

We are independent

We are completely independent and provide an unbiased view of financial services, products and providers. We do not promote ‘sponsored’ products or individual product providers and advertising will not affect our independent stance.

'Best Buy' selections are chosen purely on an independent editorial basis and you should always ensure that those products meet your specific needs and that you understand your obligations when agreeing to a contract.

Our guides have been written on an independent editorial basis, except for those guides that have either been wholly written by one of our partner companies, or in cooperation with one of our partner companies. We will clearly indicate where a partner company created or contributed to our content. In all cases, our guides simply provide guidance and do not constitute advice.

 

Your responsibilities

You should ensure that you are satisfied with the suitability of a product before committing to a contract. We recommend that before agreeing to any contracts you should seek the advice of an independent financial consultant or the individual provider.

To find out more about your rights, contact the Financial Services Board www.fsb.co.za, the Office of the Ombud for Financial Services Providers www.faisombud.co.za, the Ombudsman for Banking Services www.obssa.co.za or the National Credit Regulator www.ncr.org.za, amongst other organisations.

Consumers should always use a financial advisor or planner that is approved by the Financial Services Board.

 

Where our responsibilities end

We have taken every care to ensure that the data we provide here is reliable by only using sources that we believe to be accurate. However, the accuracy of the information, including rates, fees and charges, that we provide cannot be guaranteed. We accept no responsibility for any loss incurred from the use or reliance on information provided here.

Although every effort has been taken to ensure the accuracy of the guides published here, we do not take responsibility for any loss incurred from the use or reliance on the data published in them and you should always seek independent advice before acting on the information included in the guides.

Although we have taken every effort to ensure that our partner companies offer high-quality services and advice, we do not take responsibility for any losses incurred from the use or reliance on information and advice provided by these companies.

 

Links to Other Websites

Our provision of a link to another website does not constitute any authorisation to the user to access material held at that location, nor is it evidence of an endorsement of the material held there.

We accept no responsibility or liability for the privacy of your personal information on such websites, as these are beyond our control and will accept no responsibility or liability in respect of any materials on any third party internet website which is not under its control.

 

We own the copyright

All text, data, templates, /images, information, tools and layouts, other than those supplied by third parties such as advertisers and partners, are the property of Justmoney.co.za.

You are permitted to copy or print extracts from this website for your own personal use however all rights, intellectual or otherwise, will remain with Justmoney.co.za and do not pass to you. Should you wish to use the content of the site for any other purpose, please contact us on info@justmoney.co.za.

 

How we treat your personal information

We will keep your personal information confidential. Read our Privacy Notice to see how we collect and use personal information.

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