DCSA CREDIT is a company that provides information services to consumers through different brands and domains.

All websites are intended to facilitate decision-making in the scope of certain products, being able to offer different available options, services provided by third parties, and serve as a guide to understand which one best suits your needs. The contents and general information about the products will be provided directly by DCSA CREDIT, by third-party users of the websites and / or third-party service providers and contents.

The websites collect proposals from third parties, including but not limited to: personal loans, online advances, Credit cards, Bank accounts, mortgages, debit cards, help services for those reported to delinquency lists, credit comparison services, credit intermediation services, debt relief or relief services, insurance.. DCSA CREDIT does not provide financial services or any other kind of the previously listed services on its behalf.

In all cases, it will be up to the User to use said information correctly and for the interests that the User considers appropriate by giving full compliance with those established in the applicable conditions.

The websites are created for informational purposes only and do not constitute an offer to use the products or services mentioned on this Website. DCSA CREDIT does not assume any responsibility for the decisions the user may make based on the information presented on this Website. Also, we are not responsible for any damage that may be caused by the use of the information displayed on this Website. In this sense, the information and opinions contained in the DCSA CREDIT sites do not represent a request or offer of sale or acquisition of products (financial, tourism or other) of any kind. They do not represent a recommendation or offer of advice about such products.

Access to the Website is free for the User and does not require prior subscription or registration. However, the use of some services provided through the Website may only be carried out by subscription, registration or contracting by the User. Provision of these services will also be subject to the particular conditions established by DCSA CREDIT (which must be accepted prior to the provision of services) and, on some occasions, to the payment of a price for the services received.

Through the Website, DCSA CREDIT provides the User with access and the use of various services, content and general information, which will be provided directly by DCSA CREDIT, by third party users of the Website and / or third-party service and content providers, so it will be up to the User to use said information correctly and for the interests that the User considers appropriate in full compliance with the established in the applicable conditions.

The User agrees at all times to use the Website in accordance with these General Conditions and with the current legislation. In order to modify their data or their access profile, the User must use the update tools established on the Website. Particularly, and as an illustrative not limiting manner, in relation to the Website, the User must NOT:

• Register or communicate data that is not true, exact, complete and / or updated.

• Access the Website using the name or password of another User or impersonate any person or identity.

• Use the Website for uses other than personal use and private and for the mere private and personal access to the information offered by DCSA CREDIT.

• Restrict or prevent any other User from using the Website.

• Send or disseminate information, codes or content that may reduce, impair, disrupt or prevent the normal use of the Website by of any User, and / or that may damage or harm the equipment or the property of DCSA CREDIT, third-party providers or other Users, including, without limitation, malicious applications, viruses, logic bombs, mass sending of messages, etc. DCSA CREDIT reserves the right to delete information sent by a User, in order to maintain optimum quality of use of the Website.

• Introduce advertising, directly or indirectly, of any type, of their own or of third parties on the Website or in the provision of the services of DCSA CREDIT or send commercial communications of any kind to other Users, to DCSA CREDIT or to third parties in any way.

• Store, download or copy personal data the User could have access to through the Website, except for those cases in which DCSA CREDIT expressly allows it by reason of the provision of the services.

• Introduce content or data that could be offensive to other Users of the websites or to any third party, or that violate the present conditions, the particular conditions of each service or any regulation that may be applicable (including data protection and intellectual property regulations, among others). Any comment must also respect minimum standards of etiquette and good manners and avoid using aggressive, derogatory, threatening, or injurious language that could violate the rights of third parties.

In case DCSA CREDIT by any means had knowledge of any fraudulent use or use against the General Conditions or Individuals Conditions of the Website or the services by the User, DCSA CREDIT reserves the right to expel the user as well as to prohibit them from accessing and using the Website and services, without prejudice to the legal actions that may correspond according to the law. (i.e. compensation for damages, etc.).

The User is the sole responsible for the use of the website made by third parties from the device / s owned by the User, so they must take the appropriate measures to ensure that the use of this page by said third parties complies with the provisions of these terms and conditions.

The user agrees not to intentionally transmit viruses or harmful material to the website, not to use any type of software or other elements to interfere or influence the operation of the website, not to alter, try to decipher or modify it, or apply any type of engineering or technology to the software that integrates it, as well as not to reproduce the entire website or part of it without the prior written consent of DCSA CREDIT.

Service users

The websites are intended for users temporarily or permanently residing or established in this country, , who access it from this country having reached the legal age according to its legislation: 18 (eighteen) years. For this reason, the adequacy of the content and information offered on this website may be inappropriate or not conform to the legal requirements established for its access and its use from other countries.

In order to register on the website, the user must be over 18 (eighteen) years old and under 85 (eighty-five) years old.

The hiring of these services is a fundamental part of the value proposition by DCSA CREDIT.

4.1 Solvency report service

Through this service, the user obtains the information of the databases accessed by DCSA CREDIT by account and by request of the user.

This service in any case assumes that the user provides their personal data to the Website in order to provide them with information services in accordance with the User's personal data, which will necessarily consist of:

• Name and surname.

• ID number.

• Mobile phone number.

• Email address.

• Postal address.

• Date of birth.

These services must be contracted personally, meaning that each user can only request this service for and by themselves.

The user declares to be aware of the fact that the provision of consent implies that DCSA CREDIT can consult, access and process the personal data that could be found in the DATABASE consulted by DCSA CREDIT and that said consent is legally essential for the correct provision of the service by DCSA CREDIT.

The user is knowledgeable of the fact that, as independent third parties intervene in the provision of the service, the service might not be completed satisfactorily, which would not affect the personal information that would have already been incorporated into the files of DCSA CREDIT for the provision of the other services contained in these general conditions.

This service is free. It is not necessary to make a payment to DCSA CREDIT for the use of this service.

4.2 Sending information to loan providers and intermediaries

Through this service, the user can share their information with different providers of loans and intermediaries. The delivery of this information will be done in a secure way and will allow the loan providers and intermediaries to make a decision for a loan to be granted. DCSA CREDIT does not make any decision regarding the granting of loans. DCSA CREDIT also will not communicate whether a loan has been granted or not.

In order to submit your information, you have to fill in all the information on the application form. The user accepts and expresses their consent for DCSA CREDIT to use their data for a loan to be granted. DCSA CREDIT may send you reminders to finish your application process on the DCSA CREDIT website or at third party websites.

DCSA CREDIT will decide whether to send your data to one or more financial services companies. DCSA CREDIT uses its own logic and algorithms to make this decision.

This service is free. It is not necessary to make a payment to DCSA CREDIT for the use of this service. Loan providers and intermediaries pay DCSA CREDIT a commission for sending applications or granting loans to users referred by DCSA CREDIT.

DCSA CREDIT guarantees the legitimacy of the sources used in the elaboration of its information products, the procedures carried out for their creation, as well as the legality in obtaining the data, whose collection, when necessary, complies with the law on the Protection of Personal data. However, the user undertakes to observe the provisions of said Law, when necessary.

5.1. Use of information

All the information provided to the USER by DCSA CREDIT as a result of the provision of the services listed in the previous stipulations will have confidential character and will be supplied for the exclusively personal, non-commercial use of the user, based on a Use License granted by DCSA CREDIT.

Consequently, the user may not in any case disclose said information in any type of support, nor provide it to any person or persons who are not part of the user's corporate or labour structure, or transfer, assign, sublet, sub-license, sell or perform any other act of provision of data, either free or paid for.

The user will be the sole responsible for the consequences that may arise from such actions, as well as for the safeguarding of the Information provided, having to take the appropriate security measures to protect it against not allowed access or dissemination. The user will refrain from requesting information knowing that it will be used by third parties, and to voluntarily or negligently allow third parties to make such requests.

Likewise, the user assumes all civil, criminal and administrative liability that could legally derive from a fraudulent, malicious, or negligent use of the services provided by DCSA CREDIT in the scope of the provision of this service. In this sense, the user will hold harmless, and will indemnify DCSA CREDIT for any economic damage that may arise as a result of the fraudulent, malicious, or negligent use of the services provided by DCSA CREDIT in the scope of the provision of this service.

DCSA CREDIT reserves the right to cancel the access codes and the provision of information by reason of the violation or breach by the user of any of the obligations of use of the information.

DCSA CREDIT reserves the right to use the information for the purposes described in the Privacy Policy.

5.2 Information exchanged with third parties

The user's data and personal information may be shared with companies affiliated with DCSA CREDIT, without prejudice that other entities may be added in the future. The data and relevant information may be transferred in the event of a change in ownership of the business or assets in our possession. The appropriate limitations and obligations required to protect the information will be imposed on these third parties.

The institutions affiliated with DCSA CREDIT reserve the right to use the information in order to contact the user and offer different products and services that may possibly be of the user's interest.

6.1 Exclusion of guarantees and responsibility of the Website

The Website is provided to the User "as is" so the access and / or use of the Website as well as the request for information and use of the services are always carried out under the responsibility of the User and attending to the conditions that DCSA CREDIT establishes in any case. The User will keep harmless and will indemnify DCSA CREDIT from any damages or losses in which they could incur with respect to any breach of these General Conditions.

The information provided by the Website has been prepared or obtained from sources considered safe. However, DCSA CREDIT cannot guarantee the reliability and correctness of the information, whether it is its own or provided by third parties since DCSA CREDIT does not have control over it. Since the information contained in the Website may be modified by financial institutions, the conditions of the market or by third parties at any time and without prior notice, it is recommended to verify it before the subscription, application or contracting of any product or service associated with such information. DCSA CREDIT does not take responsibility for any discrepancies or divergences that may arise between the information in the DCSA CREDIT database and that offered by the financial entities or any third parties.

The data provided by DCSA CREDIT are recommendations, suggestions and opinions for informational purposes, which are intended to serve as a guide to the User and help them understand the financial products shown, by no means constituting professional advice that may serve as a decisive element in decision making. The determination to follow the recommendations obtained on the Website is exclusively the User's, therefore DCSA CREDIT IS NOT LIABLE FOR DECISIONS MADE BASED ON SUCH INFORMATION.

Up to the maximum allowed by law, DCSA CREDIT does not assume any kind of responsibility for any loss or damage (including but not limited to any type of direct, indirect or consequential damage or loss, loss of business, data -including those of the User-, contracts or benefits, loss or damage related to computer programs or equipment) that may arise from access or use or the inability to access or use the Website or any part of it, whatever the cause, including the inaccuracy of the information contained in the Website, the damages that may be product of the access to the Website by the User, including the connection problems with the Service, the communication of their data to third parties providers of certain services, among others.

Likewise, DCSA CREDIT is not responsible for the services or content of third-party collaborators that can be accessed through the Website. Furthermore, DCSA CREDIT does not assume any responsibility derived from the lack of veracity, correctness or precision of the information or any other information provided by third parties through the Website (including as third parties, other participants or Users, collaborators of DCSA CREDIT, among others).

6.2 Exclusion of guarantees and liability for Website maintenance

Although all necessary security measures have been taken, DCSA CREDIT does not warrant that the Software or other items, files or content of the Website do not contain any errors, that their access or use is uninterrupted, or that it may not be infected by viruses or any other element that has destructive or harmful properties, and therefore DCSA CREDIT does not accept any responsibility in this regard. In case of maintenance, repair, update or improvement operations of the Website or any of its elements, DCSA CREDIT reserves the right to suspend access to this Website and to the services provided through it temporarily and without prior notice. However, DCSA CREDIT will make its best efforts to have such operations interfere as little as possible with the provision of the Website and its services.

6.3 Exclusion of guarantees and responsibility for accessing third party websites

The Website may make available to Users links to websites belonging to third parties, in order to facilitate the search and access to information available on the Internet. The inclusion of such links does not imply that there is any kind of link or association between DCSA CREDIT and the operators of those sites. DCSA CREDIT does not previously control, approve, or own the services, information, data, files, products or any kind of material on third-party sites. The User, therefore, must exercise extreme caution in the evaluation and use of services, information, data, files, products and any kind of existing material on third party sites.

The user is not authorized to link their website / s, on his own or on third parties' account, without our prior written authorization. To do this, they must contact the customer service by sending the timely request, which we will evaluate and resolve at our discretion. Direct ("active") links to graphic and / or written content posted on the websites, hypertext links, deeplinks, and the content linked by framing, by switching or by any another method are herein included.

6.4 Use of content by third parties

DCSA CREDIT does not guarantee that Users use the Website, services and contents in accordance with the law, these General Conditions and, where appropriate, the Particular Conditions, the generally accepted morals and good manners and order public, nor that they use it diligently and prudently. Therefore, DCSA CREDIT does not accept any responsibility for the behavior of the Users or the use they make of the information or contents of the Website.

6.5 Identity of Users

DCSA CREDIT does not control or offer any kind of guarantee on the identity of the Users, nor on the veracity, validity, completeness and / or authenticity of the data that Users provide about themselves and provide or make accessible to other Users, so it does not assume any responsibility in this regard.

6.6 User Reviews

DCSA CREDIT is not responsible for the opinions expressed by its Users.

To access certain services, it is necessary that the User provides certain personal information that DCSA CREDIT will incorporate into a file of its ownership. DCSA CREDIT will act in scrupulous compliance with the provisions of the applicable regulations regarding data protection and especially the provisions of the Organic Law ,Protection of Personal Data (POPI) and its development regulations.

Also, this website (as the vast majority of websites) use cookies to improve the user experience user and offer a better service. These cookies (files that allow identifying the user's device on our servers) are used to compile statistical data on the traffic received on the site and in each of its pages, providing information about how the users and / or visitors use them. The user can avoid the use of cookies appropriately configuring their web browsing tools, although this limits access possibilities, functionalities and services offered on the website.

The User can consult how DCSA CREDIT will treat the personal data and the use of cookies by accessing the Privacy Policy.

8. Intellectual property

All the contents and elements of this website, including but not limited to, texts, drawings, trademarks, domain names, logos, graphics, animations, source codes, applications or any other item are owned by DCSA CREDIT or its licensors. Their reproduction, transformation, distribution or public communication, as well as any other act of disposition is strictly prohibited, unless you have the corresponding authorization from DCSA CREDIT. The User only has a strictly private right of use, exclusively for the purpose of making use of this website and the services in accordance with these General Conditions and the Particular Conditions that govern the provision of services.

Regarding any program or computer application ("Software"), as well as their contents, which may be accessible through this website, DCSA CREDIT offers the User a personal and non-transferable license to use the Software and the contents for the exclusive purpose of this website and the services' use, without prejudice to the fact that the Particular Conditions may establish another specific license that the User must accept and which will prevail. In any case, it is strictly prohibited to copy, transform, distribute, publicly communicate or any other act of provision or modification of the Software and the content unless they have the corresponding authorization from DCSA CREDIT or its corresponding owner.

The User agrees to use the contents and elements to which they may have access through this website for their own use and needs, and under no circumstances to carry out a direct or indirect commercial exploitation of them. It is expressly forbidden to delete, evade or manipulate any data or identification marks of the rights of the owner of this website or of their holders incorporated into the contents. Access to content inserted in this website does not imply an authorization, on the part of DCSA CREDIT, any more beyond the one specifically granted in this clause.

The access and the availability of this website and the provision of other services has an indefinite duration. DCSA CREDIT, however, is in its right to terminate, suspend or interrupt unilaterally, at any time and without the need for prior notice, this website's access and availability and / or the provision of any of the services, without prejudice to what has been provided in this regard in the corresponding Particular Conditions.

DCSA CREDIT reserves the right to unilaterally modify, in any time and without prior notice, the presentation and configuration of this website as well as to update, modify or delete the information contained in this website, the services and the conditions required to access or use this website and its services. The use or access to the Website or to the services will imply the acceptance of the new conditions from the same moment they occur.

DCSA CREDIT reserves the right to review, at any time and without prior notice, on its own initiative or at the request of a third party, the content transmitted, disseminated or made available to third parties by users and to prevent its transmission, dissemination or availability to third parties in the case that, in its opinion, they are contrary to the provisions of these General Conditions or the specific applicable conditions.

If any clause of these General Conditions or of the Particular Conditions were declared totally or partially null or ineffective, only said provision or part of it that results null or ineffective will be affected, the rest of the General Conditions remaining unaffected.

This document and its different sections, referring to the terms and conditions of use of this website, are governed and interpreted in accordance with the legislation of South africa. The competence for the resolution of any dispute about this document falls not exclusively under the jurisdiction of the South africa.