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  • Home | FinChoice
    Log into your account Become a customer Upload your documents Home FinChoice Customer New to FinChoice Products Contact Us About FinChoice HomeChoice Terms About us FinChoice is a registered credit provider NCRCP 434 Terms of Use Privacy Policy Loan T

    Original URL path: https://www.finchoice.mobi/ (2016-02-07)
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  • Customer Validation | FinChoice
    number we have on record for you South African ID number Cell number Remember to have your cell phone with you to complete the registration process Back Home FinChoice Customer New to FinChoice Products Contact Us About FinChoice HomeChoice Terms

    Original URL path: https://www.finchoice.mobi/Registration/CustomerValidation (2016-02-07)
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  • New Customer | FinChoice
    No travelling No queues No fuss How much money can you get Activate your Gold Card Already a FinChoice customer Log in or Register Back Home FinChoice Customer New to FinChoice Products Contact Us About FinChoice HomeChoice Terms About us

    Original URL path: https://www.finchoice.mobi/PreQual/NewToFinChoice (2016-02-07)
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  • Upload new document | FinChoice
    Select File to Upload No password protected pdfs Size limit 10MB Experiencing difficulties Email your documents to docs finchoice co za Using your ID as subject Back Home FinChoice Customer New to FinChoice Products Contact Us About FinChoice HomeChoice Terms

    Original URL path: https://www.finchoice.mobi/Documents (2016-02-07)
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  • Terms of use | FinChoice
    user for all materials texts drawings and data made available on the mobi site and is protected by South African and International intellectual property laws Any unauthorised reproduction transmission distribution sale publication copying broadcast circulation or exploitation or misrepresentation of these materials or any part thereof will be an infringement of these copyrights and intellectual property rights Personal use of these materials for the purpose of signing up for or acquiring any FinChoice services are however allowed for and will not constitute copyright or intellectual property law infringement The trademarks registrations names logos and service marks on this site are registered and unregistered FinChoice trademarks Nothing on this site should be construed as granting any license or right to use any trademark without the prior written permission of FinChoice THIRD PARTY LINKS From time to time this site may include links to other sites which may or may not be of assistance to you as user These links and or information are provided in order to enhance the quality and or other featured content and are not intended to signify that FinChoice endorses or otherwise has any responsibility for the content of the linked website or mobi site FinChoice does not explicitly endorse or approve of any third party or their advice opinions information products or services is expressed or implied by any information on this website External links may be provided for your convenience but they are beyond the control of FinChoice and no representation is made as to their content Use or reliance on any external links provided is at your own risk When visiting external links you must refer to the external terms and conditions of use and or the terms and conditions of the third party CONTACT INFORMATION No email addresses names telephone numbers fax numbers or web addresses published on the FinChoice mobi site may be incorporated into any database used for electronic marketing or similar purposes No permission is given or should be implied that information on the FinChoice site may be used to communicate unsolicited communications to FinChoice and all rights detailed in section 45 of the ECT Act are reserved From time to time this site may include contact information for FinChoice associates and or partners and or governmental financial or legislative bodies This contact information is for the sole purpose of assisting the user and FinChoice does not guarantee the accuracy of this information nor do we condone endorse or explicitly affiliate ourselves with any of the associates partners or bodies or their views or services PERMISSION TO LINK TO OUR SITE Nobody may establish a hyperlink frame meta tag or similar reference whether electronically or otherwise to this site or any subsidiary pages before receiving FinChoice s prior written approval which may be withheld or granted subject to the conditions FinChoice specifies from time to time FRAMING No person business or website may frame the FinChoice site or any of the pages on this site in any way whatsoever ROBOTS

    Original URL path: https://www.finchoice.mobi/Home/TermsofUse (2016-02-07)
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  • Privacy Policy | FinChoice
    regarding browsing actions and patterns and does not identify any individual We may also obtain information about your general internet usage by using cookie files stored on the hard drive of your computer Cookies enable us to improve our service to you estimate our audience size and usage patterns store information about your preferences and recognise you when you return to our mobi site You can set your web browser to refuse cookies but if you do this you may not be able to enjoy full use of our mobi site and you may not be able to take advantage of certain promotions we may run from time to time Please note that third parties who advertise on our site may also use cookies but we do not have access to or control over them and therefore cannot take responsibility for them USE OF YOUR INFORMATION Information we hold We may hold and use the following details about you Your name address phone numbers e mail addresses date of birth employment banking and financial details IP address or cookie information Demographic information Information we receive when making a decision about your application including information we received from the credit bureaus And any other information which we reasonably need to perform our duties in pursuance of any agreement we may have with you or to operate your account make decisions about you or fulfil our regulatory or other business obligations Personal information about children and special personal information FinChoice will only process information about children with the consent of a competent person someone like the parent or guardian or if required to establish exercise or defend a right or obligation in law We do not intend to process any special personal information about you as defined in POPI which includes for example political religious or health related information except if we are under a legal obligation to do so or receive your consent Information we share We will keep your personal information confidential and only share it with others for the purposes explained in this policy insofar as you have consented thereto or insofar as we are legally obliged or entitled to do so We have trusted relationships with carefully selected third parties who perform services on our behalf All service providers are bound by contract to maintain the security of your personal information and to use it only as permitted by us We may hold and use the following details about you With any firm organisation or person we use to help us to collect payments and recover debts or to provide a service on our behalf With any firm organisation or person who provides us with products or services With any person who has told us and who we reasonably believe to be your parent carer or helper where you are unable to handle your own affairs because of mental capacity or other similar issues With any payment system we may use With regulatory and governmental authorities ombudsmen or

    Original URL path: https://www.finchoice.mobi/Home/PrivacyPolicy (2016-02-07)
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  • Terms | FinChoice
    one loan agreement to a loan agreement that is either in arrears or has an outstanding balance amount 6 6 2 FinChoice may make a single deduction from your bank account for the amount due in terms of all the loan agreements and thereafter to apportion the deduction to ensure that all agreements are not in arrears where possible 6 6 3 FinChoice may decide how we are going to allocate the payment if you do not specify which loan agreement you are paying 6 7 You must repay the full amount due to us by way of a monthly debit order within the specified term If you experience a problem with your bank account or pay you must contact us and make another payment arrangement at least three working days before the instalment due date to prevent penalty interest or legal costs 6 8 If you request FinChoice to re schedule your loan repayments and FinChoice agrees to this all the terms and conditions of the loan agreement will apply to the re scheduled debt The decision to re schedule the debt is entirely at FinChoice s discretion 6 9 Any payments received from you will be allocated in the following order the payment of credit life premiums and thereafter any payment of value added services and thereafter the payment of interest and thereafter the payment of other fees and charges and finally the payment of principal debt 7 FinChoice s Right to Terminate the Agreement If you do not pay the full outstanding amount due in terms of the loan agreement on time the full outstanding balance will immediately become due and payable which amount includes but is not limited to the loan balance interest arrear interest fees and charges allowed for by the Act and or other administrative costs legal fees or any other monies owing against the outstanding loan amount and 7 1 FinChoice will tell you in writing that you are in default and suggest that you refer the loan agreement to a debt counsellor alternative dispute resolution agent consumer court or ombud with jurisdiction to resolve any dispute under the loan agreement or agree on a plan to bring the payments up to date 7 2 If you have been in default for at least 20 business days and at least 10 business days have passed since FinChoice sent you notice and you have not responded to the notice or have responded by rejecting FinChoice s proposals FinChoice may cancel the loan agreement or approach a court for an order to enforce the loan agreement 7 3 You may at any time after the notices as described in 7 1 and 7 2 have been delivered to you and in the sole discretion of FinChoice agree to re instate the loan agreement by paying to FinChoice all overdue amounts together with default charges and costs that the Act or any other law allows which may include but not limited to default administration and collection costs of enforcing the loan agreement up to the time that you are up to date 8 Statements Unless otherwise agreed you will receive a quarterly statement of account by normal mail or a monthly statement of account by email which we will deliver to the postal or email address set out in the loan agreement FinChoice will at your request provide you with a statement setting out all charges levied all payments made and the balance outstanding 9 Early Settlement 9 1 You may terminate the loan agreement at any time by settling the full outstanding balance with or without giving us notice The amount required to settle the loan agreement is the total of the unpaid balance of the principal debt and the unpaid interest charges and other fees and charges payable up to the settlement date 9 2 You will only pay a pro rata share portion of the interest for the time you entered into the loan agreement if you settle the loan agreement earlier 9 3 Despite having received a settlement value from FinChoice you remain responsible for making sure that all amounts due to us including without limitation interest charges and administrative costs have been settled in full 9 4 Unless otherwise agreed we will not provide any information relating to your loan agreement to any third party for settlement or any other purposes If you want to settle the loan agreement you need to personally contact us for the settlement amount 10 Loan Agreement Default If you do not comply strictly with the loan agreement or if you commit any act of insolvency are sequestrated make any untrue statements or representations do not disclose any information that is relevant to the loan application or do anything that may prejudice the rights of FinChoice FinChoice may without prejudice to any other right in law claim the full amount outstanding which includes without limitation the loan amount arrear interest or any other monies owing against the outstanding loan amount In these circumstances the procedural steps set out in clause 7 above will apply 11 Jurisdiction In terms of section 45 of the Magistrates Court Act 32 of 1944 you hereby consent that we may institute any legal proceedings that have to do with the loan agreement or your account in the Magistrates Court 12 Default Administration and Collection Costs 12 1 IIf you are in arrears with your monthly instalments and if FinChoice takes steps to enforce the loan agreement in terms of the Act you will be liable for all default administration charges and collection costs that FinChoice incurs including tracing fees collection commissions costs of an attorney and other reasonable expense like telephone calls and letters to you subject to the provisions of the Act 12 2 FinChoice will not collect or try to collect any amounts for costs more than allowed by the Magistrates Court Act No 32 of 1944 the Supreme Court Act No 59 of 1959 or the Debt Collectors Act No 114 of 1998 12 3 Where FinChoice appoints an attorney to collect any amounts due you agree that you will be liable for costs on an attorney and own client scale General Information 13 Addresses 13 1 You choose the address as stated in the loan agreement as the address at which you will accept service of legal documents and notices 13 2 If your address changes you must immediately inform FinChoice of the new address in writing or by telephone 13 3 You accept that you will be deemed to have received a notice or letter from FinChoice 5 days after posting to the address you have given 13 4 Our address where we will accept service of legal documents and notices is FinChoice 78 Main Road Wynberg Cape Town 7800 for attention FinChoice Operations 14 Electronic Communications 14 1 Unless otherwise agreed we will send all loan agreements statements or other correspondence via email to the email address that you provided to us Recorded Address 14 2 All correspondence sent to the Recorded Address including but not limited to the loan agreement will be deemed to have been received by you within 36 hours after our log files indicate it to be sent 14 3 Should your email address change or should you choose not to receive correspondence by email during the term of the loan agreement you must inform us of the new details 15 Certificate A certificate signed by any one of the managers of FinChoice who need not prove that appointment will be prima facie on the face of it proof of the outstanding balance 16 Cession You agree that FinChoice may at any time and without notice cede transfer any or all of its rights in and or claims against you to a third party 17 Whole Agreement The loan agreement forms the whole and complete agreement between you and FinChoice and there are no additional unspoken or implied terms and conditions unless we amend the loan agreement as allowed for in law 18 Marketing Option 18 1 When entering into the loan agreement with FinChoice you may ask to be excluded from any or all of the following 18 1 1 telemarketing campaigns conducted by or on behalf of FinChoice 18 1 2 marketing or customer lists that are sold or distributed by FinChoice other than as required by the Act 18 1 3 any mass distribution of email or sms messages 18 2 You will be requested to exercise this right during the loan application process The three options selected by you will appear on the loan contract attached to the loan agreement You are entitled at any time to contact FinChoice and request that the options selected by you be amended Terms and Conditions of Loan Agreement IN TERMS OF SECTION 93 2 OF THE NATIONAL CREDIT ACT No 34 OF 2005 THE ACT 136461 E A FinChoice Pty Ltd is a Juristic Representative of Guardrisk Life Assurance Company Limited Back to top Bepalings en Voorwaardes van Leningsooreenkoms Version May 2014 INGEVOLGE ARTIKEL 93 2 VAN DIE NASIONALE KREDIETWET NO 34 VAN 2005 DIE WET U moet hierdie standaardbepalings en voorwaardes saamlees met die stemopname of elektroniese opname van die Voorooreenkomsverklaring en Kwotasie die Leningskontrak en die bepalings van die FinChoice beskermingsplan indien van toepassing waarvan afskrifte aangeheg is Die stemopname of elektronies opname van die Voorooreenkomsverklaring en Kwotasie die Leningskontrak en die FinChoice beskermingsplan tesame met hierdie Bepalings en Voorwaardes is die opgetekende ooreenkoms tussen ons leningsooreenkoms U beteken die persoon wat n leningsooreenkoms met ons aangegaan het en FinChoice of ons beteken FinChoice Pty Ltd Enige verwysing na die HomeChoice Group is n verwysing na enige maatskappy wat in geheel of gedeeltelik deur HomeChoice Holdings Limited besit word Agtergrond vir leningsooreenkoms 1 Inleiding 1 1 FinChoice is by die Nasionale Kredietreguleerder NKR geregistreer en onderskryf die Nasionale Kredietwet die Wet of die NKW 1 2 Indien u n klagte wil indien kan u dit doen deur direk met die Nasionale Kredietreguleerder by 0860 627 627 in verbinding te tree of deur FinChoice by 0861 346 246 te skakel 1 3 Die leningsooreenkoms word telefonies of deur elektroniese kanale by ons kantoor gesluit op die tydstip wanneer u aandui dat u die bepalings van die leningsooreenkoms aanvaar Onderworpe aan die NKW kan ons na eie goeddunke besluit om n lening aan u toe te staan of nie 1 4 Deur n leningsooreenkoms aan te gaan gee u FinChoice toestemming om 1 4 1 enigiemand te kontak om vas te stel of die inligting wat u vir die aansoek verstrek het korrek is besonderhede oor u finansiële posisie en bankbesonderhede insluitend n kredietrekord en betalingsgeskiedenis by enige party te bekom 1 4 2 inligting oor die leningsooreenkoms aan enige betrokke party te verskaf insluitend maar nie beperk nie tot enige kredietburo of Nasionale Leningsregister 1 4 3 u kredietrekord en betalingsgeskiedenis aan n derde party te openbaar 1 4 4 u persoonlike inligting in die volgende gevalle te openbaar 1 4 4 1 waar FinChoice regtens verplig is om dit te doen 1 4 4 2 waar dit in die openbare belang is om dit te openbaar 1 4 4 3 waar openbaarmaking op u versoek of met u skriftelike toestemming gedoen word 1 4 4 4 waar FinChoice u versoek om enige van u persoonlike inligting te openbaar 1 5 U stem in daartoe dat ons u persoonlike en kredietinligting vir besigheidsdoeleindes met die HomeChoice Group mag deel 1 6 Indien u ingestem het daartoe dat ons u persoonlike inligting vir die doeleindes van direkte bemarking mag gebruik kan ons ook u inligting vir hierdie doeleindes met die HomeChoice Group deel 1 7 Indien u binne gemeenskap van goedere of ingevolge die gemene reg of gewoontereg getroud is bevestig u dat u u lewensmaat se toestemming verkry het om die leningsooreenkoms met FinChoice aan te gaan 1 8 Ons standaardbepalings en voorwaardes kan van tyd tot tyd gewysig word Die mees onlangse bepalings en voorwaardes sal by www finchoice com beskikbaar wees of u kan n afskrif daarvan bekom deur 0861 346 246 te skakel 1 9 Enige wysiging aan die leningsooreenkoms sal slegs regtens bindend gemaak word nadat FinChoice u in ooreenstemming met die Wet van sodanige wysiging in kennis gestel het 1 10 FinChoice staan lenings toe vir persoonlike doeleindes en nie vir besigheidsdoeleindes nie U kan slegs met ons n leningsooreenkoms aangaan om die lening vir persoonlike doeleindes te gebruik 2 Voorooreenkomsverklaring en Kwotasie 2 1 Ons sal u onder andere van die volgende inligting in die Voorooreenkomsverklaring en Kwotasie voorsien 2 1 1 leningsbedrag dit is die bedrag wat in u bankrekening inbetaal word plus die uitstaande saldo indien enige van n bestaande leningsooreenkoms 2 1 2 aanvangsgeld dit is die geld wat ons ingevolge die Wet mag vra Tensy dit as n voorbetaling gedoen word sal ons hierdie bedrag by die leningsbedrag byvoeg en rente op die totale uitgestelde bedrag hef 2 1 3 rentekoers die rentekoers is n vaste koers vir die termyn van die leningsooreenkoms en word op die daaglikse saldo bereken en maandeliks gekapitaliseer by die uitstaande leningsaldo bygevoeg Indien u agterstallig is mag ons rente op die agterstallige bedrag hef teen die maksimum koers wat die Wet toelaat 2 1 4 afkoeltydperk alhoewel dit nie n vereiste volgens die reg is nie kan ons n afkoeltydperk toestaan wanneer u vir die eerste keer by ons n leningsooreenkoms aangaan 2 2 U mag die sluiting van die leningsooreenkoms met 5 besigheidsdae uitstel om die bepalings van die leningsooreenkoms te oorweeg 2 3 Indien u binne daardie tydperk van 5 besigheidsdae besluit om die voorgestelde ooreenkoms aan te gaan sal die ooreenkoms op dieselfde bepalings en teen of laer as die rentekoers en kostes wees as wat oorspronklik aan u gekwoteer is 2 4 U aanvaar die bepalings van die leningsooreenkoms telefonies of deur n elektroniese kanaal Gedurende hierdie telefoonoproep of deur n elektroniese kanaal te gebruik sal ons die aanvangsgelde diensgelde u maandelikse paaiement die terugbetalingstermyn van die lening die rentekoers versekeringskoste indien van toepassing die totale bedrag betaalbaar sowel as die datums van die eerste en die finale paaiement bevestig 2 5 Die verbale opname of elektroniese rekord is die bewys dat u die leningsooreenkoms aanvaar het Ons sal vir u n afskrif van die Voorooreenkomsverklaring en Kwotasie tesame met n afskrif van die Leningskontrak en die standaardbepalings en voorwaardes stuur 2 6 Ons hef rente van die datum waarop die geld werklik in u rekening inbetaal is en nie vanaf die datum waarop die leningsooreenkoms aangegaan is nie 3 Leningsooreenkomste 3 1 Wanneer u vir die eerste keer aansoek doen om n leningsooreenkoms met ons aan te gaan sal ons n kredietrisiko evaluasie en n bekostigbaarheidsevaluasie doen soos deur die Wet vereis Dit sal die maksimum bedrag bepaal waarvoor u kwalifiseer die maksimum leningsbedrag 3 2 U maksimum leningsbedrag kan op n deurlopende grondslag in ooreenstemming met veranderinge in u finansiële omstandighede aangepas word 3 3 Nadat u n leningsooreenkoms met ons aangegaan het kan u in aanmerking kom om nog n leningsooreenkoms tot die maksimum leningsbedrag met ons aan te gaan Indien u aansoek om n verdere lening suksesvol is sal die nuwe lening die uitstaande saldo indien enige van die vorige leningsooreenkoms met dieselfde termyn vereffen en die verskil sal in u bankrekening inbetaal word Hierdie bedrag wat in u bankrekening inbetaal word word die KwikDraw bedrag genoem Die KwikDraw bedrag waaroor ons u van tyd tot tyd mag inlig kan aan u beskikbaar gestel word Indien u aansoek doen om nog n ooreenkoms aan te gaan sal ons n verdere bekostigbaarheids en kredietevaluasie uitvoer ook met inagneming van vorige inligting wat u aan ons deurgegee het Enige KwikDraw bedrag sal aan u beskikbaar gestel word alleenlik en altyd op voorwaarde dat u bekostigbaarheidsevaluasie aandui dat u dit kan bekostig om die nuwe leningsooreenkoms aan te gaan Ons waarborg daarom nie dat u te eniger tyd vir enige bedrag kwalifiseer nie dit sal alles van die bekostigbaarheidsbepalings afhang 3 4 Elke leningsooreenkoms wat u ná die aanvanklike leningsooreenkoms aangaan sal n nuwe leningsooreenkoms wees Die jongste standaardbepalings en voorwaardes sal deel uitmaak van elke nuwe leningsooreenkoms 3 5 Dit is die beleid van FinChoice om nie meer as een leningsooreenkoms van dieselfde termyn op enige tydstip met u te hê nie Indien u te eniger tyd nog n lening met FinChoice aangaan en n uitstaande saldo het sal FinChoice dit as n opdrag van u beskou om die nuwe lening te gebruik om die uitstaande saldo van enige vroeëre lening van dieselfde termyn wat u in die verlede met FinChoice aangegaan het te vereffen U sal versoek word om hierdie opdrag te bevestig wanneer u aansoek doen Indien u nie wil hê dat enige bedrag van die nuwe lening vir hierdie doel gebruik word nie moet u ander reëlings tref om u bestaande leningsaldo indien enige te vereffen en daarna weer aansoek doen om n nuwe leningsooreenkoms aan te gaan 3 6 Tensy u ons anders inlig bevestig u wanneer u om nog n lening by ons aansoek doen dat daar geen verandering in die finansiële inligting was wat u voorheen aan FinChoice verstrek het nie Dit is u plig om te verseker dat hierdie inligting altyd korrek is en u moet FinChoice van die volgende inlig 3 6 1 enige verandering in u maandelikse inkomste 3 6 2 enige bykomende finansiële verpligtinge wat u nie geopenbaar het nie of nie bestaan het nie toe u die eerste keer of by enige ander geleentheid n leningsooreenkoms met ons aangegaan het 3 6 3 enige verhoging in u lewenskoste 3 6 4 indien u wanbetaal het op enige kredietooreenkomste en of 3 6 5 indien u nie in staat is om al u verpligtinge wat u ten opsigte van ander kredietooreenkomste met ander kredietverskaffers aangegaan het betyds kan nakom nie 3 7 Deur aansoek te doen om

    Original URL path: https://www.finchoice.mobi/Home/Terms (2016-02-07)
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  • Disclaimer | FinChoice
    434 FinChoice advocates responsible lending therefore the granting of loans is at the sole discretion of FinChoice and the amount you qualify for depends on your individual circumstances Back to top Home FinChoice Customer New to FinChoice Products Contact Us

    Original URL path: https://www.finchoice.mobi/Home/Disclaimer (2016-02-07)
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