By starting or submitting this application you confirm and agree that:

• Authority & accuracy. You are authorised to bind the applying entity and all information and documents provided are true, complete and current. Submitting false or misleading information may result in immediate rejection or suspension.
• Regulatory minimums. The platform is available only to entities that are licensed or exempt under the National Credit Act (NCR) and registered (or registering) as an Accountable Institution under the FIC Act. You must upload proof of NCR status (or exemption) and FIC registration, together with your RMCP.
• Screening & verification. You consent to company, identity, PEP and sanctions screening, and to verification with third parties (e.g., CIPC, NCR, FIC, credit bureaus, banks/DebiCheck providers) using the details you supply. These checks are for onboarding due-diligence and do not place any credit enquiry on your personal record.
• Data protection. We process personal information in line with POPIA and our Privacy Notice and Data Processing Agreement (see links below). We log audit metadata (including IP address and timestamp) and store sensitive fields and documents securely. Retention is in accordance with legal and risk requirements.
• No relationship until approved. Submitting an application does not create an account or business relationship. We may approve, decline, or request further information at our sole discretion and may suspend or withdraw approval if requirements are no longer met.
• No consumer data before approval. Do not capture consumer/customer personal data, process mandates, or disburse via the platform until your organisation has been approved and activated.
• Your compliance. You remain responsible for complying with all applicable laws and rules (including the NCA, FIC Act, POPIA, and DebiCheck/collections rules) in your lending activities and for the actions of your users on the platform.