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If you applied via our Call Centre you can upload your documentation and download your loan contract here.

087 743 2000

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INSTALOAN WEBSITE TERMS AND CONDITIONS

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

These Website Terms and Conditions (together with any documents referred to in it) tell you the terms of use on which you may make use of our website www.InstaLoan.co.za (“our site”) as a guest. Use of our site includes accessing, browsing, borrowing or any other form of utilisation of our site.

We recommend that you print a copy of these Website Terms and Conditions for future reference.

By using our site, you confirm that you accept these Website Terms and Conditions and that you agree to comply with them.

If you do not agree to these Website Terms and Conditions, you must not use our site.

INFORMATION ABOUT US

Cash Credit SA (Pty) Ltd (“InstaLoan”, “we” or “us”) (registration number 2014/217130/07) is a registered credit provider (NCRCP7380), with registered address at 1st Floor, Island House, Constantia Office Park, Weltevreden, 1709 Johannesburg and can be contacted at customercare@instaloan.co.za or by dialling our call centre on 087 743 2000].

We are regulated by the following Regulators in South Africa:

  • The Information Regulator in South Africa, this Regulator is still to be established in terms of recently promulgated legislation in South Africa.
  • The National Credit Regulator, which can be contacted on 086 0627627.

 

Changes to these Website Terms and Conditions

We may revise these Website Terms and Conditions at any time by amending this page.

Please check this page from time to time to take notice of any changes we made, as they are binding on you.

Changes to our site

We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to bring this to your attention or to update it.

Accessing our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site or any part of it is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our site.

You are also responsible for ensuring that all persons who access our site through your Internet connection are aware of these Website Terms and Conditions and other applicable terms and conditions, and that they comply with them.

Your user identification code and password

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Website Terms and Conditions.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at customercare@instaloan.co.za

Intellectual property rights

We are the owner or the licensee of all intellectual property rights on our site, and in the material published on it.  Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these Website Terms and Conditions, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

No reliance on information

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

Limitation of our liability

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort or delict (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our site;
  • use of, or inability to use, links to other sites; or
  • use of or reliance on any content displayed on our site.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Viruses

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programs and platform in order to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you may commit an offence under relevant laws. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our site in any website that is not owned by you.

Our site must not be framed on any other site without our written consent, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

Prohibited uses

You may use our site only for lawful purposes.  You may not use our site:

  • In any way that breaches any applicable local, national or international law or regulation.
  • In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
  • For the purpose of harming or attempting to harm minors in any way.
  • To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
  • To knowingly transmit any data, send or upload any material that contains viruses, trojans, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
  • You also agree not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of these terms of Website Terms and Conditions and not to access without authority, interfere with, damage or disrupt:
    • any part of our site;
    • any equipment or network on which our site is stored;
    • any software used in the provision of our site; or
    • any equipment or network or software owned or used by any third party.

Suspension and termination


We will determine, in our discretion, whether there has been a breach of the Website Terms and Conditions through your use of our site.  When a breach of the Website Terms and Conditions has occurred, we may take such action as we deem appropriate. 

Failure to comply with these Website Terms and Conditions may result in our taking all or any of the following actions:

  • Immediate, temporary or permanent withdrawal of your right to use our site.
  • Immediate, temporary or permanent removal of any posting or material uploaded by you to our site.
  • Issue of a warning to you.
  • Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
  • Further legal action against you.
  • Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

We exclude liability for actions taken in response to breaches of these Website Terms and Conditions.  The responses described in the Website Terms and Conditions are not limited, and we may take any other action we reasonably deem appropriate.

Anonymous data collected through our site

In addition to the information we collect as described above, we use technology to collect anonymous information about the use of our site.  For example, our web server automatically logs which pages of our site our visitors view, their IP addresses and which web browsers our visitors use.  This technology does not identify you personally; it simply enables us to compile statistics about our visitors and their use of our site.

Our site contains links to other pages on our site.  We may use technology to track how often these links are used and which pages on our site our visitors choose to view.  Again this technology does not identify you personally – it simply enables us to compile statistics about the use of these links.

Likewise, if you reached our site by clicking on a link or advertisement on another site, we also log that information.  This assists us to maximize our Internet exposure as well as understand the interests of our users.  All of this information is collected and used only in the aggregate: it is entered into our database, where we can use it to generate overall reports on our visitors, but not reports about individual visitors.

Cookies

In order to collect the anonymous data described in the preceding paragraph, we may use temporary “cookies” that remain in the cookies file of your browser until the browser is closed.

Cookies are small, often encrypted text files, located in browser directories.  They help users navigate websites efficiently and allow certain functions, such as buying products online. When you visit websites, cookies may be stored on your computer.  They are used to store a variety of information about you and your preferences, which is afterwards sent back to the visited website.

Cookies by themselves cannot be used to discover your identity.  Cookies do not damage your computer. You can set your browser to notify you when you receive a cookie.  This enables you to decide if you want to accept it or not. If you choose not to accept cookies from our site this may limit its functionalities or performance.

Our use of cookies is to enable more user-friendly, efficient and safe visits to our site. We use cookies for several reasons:

  • To identify you as a registered user..
  • To provide you with safe restricted access areas.
  • To remember you so that when you come back to our site you do not need to enter your information again.
  • To understand what brought you to our site and what pages you visited.

Besides these, we may also use cookies which enable us to save your preferences from each of your visits to our site and present you with a version of our site which reflects your preferences.  Our system is therefore able to recognize you each time you visit our site, without requiring you to systematically log in each time you visit.

You can find more information about cookies at: http://www.allaboutcookies.org/ and for a video about cookies visit http://www.google.com/policies/technologies/cookies/.

We also use your IP address to help diagnose problems with our server, to administer our site and to gather broad demographic information.

We may also perform IP lookups to determine which domain you are coming from (i.e. aol.com, yourcompany.com) to more accurately gauge our users' demographics.

Requests to delete personal information or data are subject to any applicable legal and ethical reporting or document retention obligations imposed on us. 

Unauthorised third party access to your information

Despite the security measures we have in place to protect your personal information or data, (firewalls, password access and encryption methods and the like) you acknowledge that your personal information stored by us, may be accessed by unauthorized third party, e.g. as a result of an illegal activity.

In the unlikely event of such access by an unauthorized third party, we will use our best endeavour to notify you via email (using the address you have provided to us, if any) of such occurrence. 

Third party links and resources in our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources.

Governing Law

These Website Terms and Conditions and the laws of South Africa will govern any dispute or claim arising out of or relating to your use of our site.

Contact us

To contact us, please email at customercare@instaloan.co.za

Thank you for visiting our site.