Pure Credit Terms & Conditions


Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the https://www.purecredit.co.za website and the mobile application (the "Service") operated by Pure Credit.

Your access to and use of the service is conditioned on your acceptance of and compliance with these terms. These terms apply to all visitors, users and others who access or use the service.

By accessing or using the service you agree to be bound by these terms. If you disagree with any part of the terms then you may not access the service.

Purchases


Please ensure that you are 100% certain you want to purchase any of the services before you submit your form.

Content of the Website


While every effort is made to update the information provided on the website on a regular basis, Pure Credit makes no representations or warranties as to the accuracy, completeness or reliability of the content on the website.

Use of the Website


You agree that your use of the website is for lawful purposes only and that you will not contravene South African or international law by means of your use of the website. Except as expressly authorized by these terms, you may not use, alter, copy, distribute, transmit, or derive another work from the content of the website.

Personal Information


 Pure Credit values the privacy of your information and undertakes to protect your information as required by law and as set out in our Privacy Policy. By using the website and requesting services through the website, you consent to the collection, storing, use and disclosure of your personal information, in so far as it is legally allowed to do so. You specifically agree that we may use your information for, amongst others, the following purposes:

Validate and verify your information for advice and services provided

Links To Other Web Sites


Our Service may contain links to third-party web sites or services that are not owned or controlled by Pure Credit.

Pure Credit has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that Pure Credit shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

Changes


We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 (change this) days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

What We Cannot Do:


We do not clear Account Payment History - payment history is deemed necessary to assist credit provider to see your payment pattern(arrears,missed payments, late payments etc) and the volume of debt so that they can assess their risk and your means of affordability. The payment history stays on your profile for 1 year:
We do not update your account payments, this is a legal obligation of the credit provider
We cannot remove Enquiry History, there is a regulation retention period for this information as above.
We do not contact credit providers on your behalf regarding your application for credit or anything.
We cannot help you obtain credit/loan as that decision is solely reached by the credit provider in adherence to their own unique vetting methods
We do not deal with score, nobody can. Credit Bureau score is a mathematical opinion by the Credit Bureau...it has nothing to do with your chances of being approved for credit facilities or loans.

What We Do:


Credit Profile Update: We supply you with the latest updated credit profile directly from the relevant credit bureaus displaying information and credit status as provided the by the credit provider and all credit industry participants to the Credit Bureau.
Defaults Clearance: We clear all defaults on the basis of legal procedures or violation thereof.
Trace Alert Clearance: We clear Trace Alert on the basis of legal procedures
Debt Review Clearance: We clear Debt Review upon termination of the debt review program- in case the termination of the debt review matter requires court application, we can refer this to the attorneys who will inform you of their charges.
Judgments Clearance: We clear Judgment(s) upon Proof of Settlement of the judgment account or a  Rescission Court Order.
Administration Order: We clear administration order upon receipt of the Rescission Court Order. If not rescinded we can assist with the rescission thereof.....the rescission is a court related matter and is not part of the subscription package(s). 

As soon as we have prepared your file, we follow prescribed legal procedures to dispute or request removal of incorrect or unlawful data or submit appropriate documents to the credit bureaus. Then the Credit Bureaus have a maximum of 20 days to resolve the dispute or remove the listing. Once the Credit Bureau as completed the investigation and reached a resolution and/or removed the listing, they will either contact you directly or contact us with the results of their investigation or resolution. Note that the 20 days maximum is the timeframe allocated to the Credit Bureau by the NCR...Emphasis here is that at the end of the day...it is the Credit Bureau that removes the listing... not Pure Credit.

Copyright and all Intellectual Property Rights


The website contains information and material that are protected by international copyright, trademark and other laws. The entire content of the website is copyrighted as a collective work under the South African copyright laws and Pure Credit owns the copyright in the overall selection, coordination, arrangement and enhancement of the content, and owns the rights in, or license to use, the individual components of the content. The content may not be copied, reproduced, republished, modified, uploaded, posted, transmitted or distributed in any way or decompiled, reverse engineered or disassembled except that you may download the materials for your personal, non-commercial use only, provided you keep intact all copyright, trademark and other proprietary notices and make no change in or deletion of author attribution. This limited authorization is not a transfer of title in the content. You agree that you do not acquire any license, ownership or other rights to the content.

Governing Law


These terms shall be governed by the laws of the Republic of South Africa without giving effect to any principles of conflicts of law. You consent to the jurisdiction of the Pretoria High Court of South Africa in respect of any disputes arising in connection with the service/s referred to herein, or the terms or any matter related to or in connection herewith. If any provision of these terms shall be unlawful, void, or for any reason unenforceable then that provision shall be severable from these terms and shall not affect the validity and enforceability of any remaining provisions.

Contact Us


If you have any questions about these Terms, please contact us.
By clicking Submit you confirm that you are aware of and accept the above terms and conditions.