1. Acceptance of Terms

This agreement constitutes a binding legal contract between you ("the User") and Mint Finance (“we”, “us”, “our”). By accessing, browsing, or interacting with our digital interfaces, online loan tools, or customer dashboards, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.

If you do not agree to these terms, you must immediately cease using this website and any associated digital services. We reserve the right to amend these terms at any time without prior notice, and your continued usage signifies acceptance of the modified layout.

2. Legal Capacity and Eligibility

2.1. By utilizing this website, you warrant and represent that:

• 2.1.1. Age Threshold: You are at least 18 (eighteen) years of age and possess the full legal capacity to enter into binding contractual agreements under South African law.
• 2.1.2. Statutory Identification: You possess a valid South African National Identity Document or a legitimate, legally recognized passport framework.
• 2.1.3. Economic Residence: You reside permanently within the borders of the Republic of South Africa and operate a verified South African retail transactional bank account.
• 2.1.4. Financial Sanity: You are not currently under debt review, administration, sequestration, or declared legally unfit to access short-term credit systems.

3. Short-Term Credit Applications

All financial calculations, interest approximations, and repayment layouts generated by the range sliders or assessment tools on this website are illustrative indicators only. Formal credit offerings are strictly dependent on successful affordability tests as defined by the National Credit Act, No. 34 of 2005 ("NCA").

• 3.1. Verification Mandate: Submitting a loan inquiry grants Mint Finance explicit authorization to verify your income profiles, credit indices at registered bureaus, and banking activities.
• 3.2. Absolute Accuracy: You acknowledge that supplying intentionally falsified financial data, income parameters, or employment metrics during digital registration constitutes fraudulent misrepresentation.
• 3.3. Right of Refusal: Mint Finance maintains the absolute institutional right to reject any application for short-term credit without liability, subject to providing regulatory feedback where mandated by the National Credit Regulator (NCR).

4. Account Security and Portals

When creating an online account or self-service dashboard profile with Mint Finance, you accept full accountability for protecting your access keys:

• 4.1. You are entirely responsible for preserving the absolute confidentiality of your chosen usernames, security passwords, and one-time pins (OTP);
• 4.2. Any operational instruction, digital signature, or submission processed via your logged-in portal will be legally imputed directly to you;
• 4.3. You must immediately notify our technical support team if you suspect your account parameters or personal information channels have been compromised by malicious software or external actors; and
• 4.4. Mint Finance will not be held liable for losses resulting from unauthorized account exploitation where you failed to safeguard access telemetry.

5. Electronic Communications

By sharing contact parameters with Mint Finance, you explicitly agree to receive electronic data communications in compliance with the Electronic Communications and Transactions Act, No. 25 of 2002 ("ECTA"):

• 5.1. Transactional Updates: You consent to receive balance statements, payment due notifications, and loan processing adjustments via automated Email and Short Message Service (SMS) channels.
• 5.2. Digital Support Chains: You authorize our credit agents to interact regarding active accounts via authorized, verified instant messaging infrastructures, including WhatsApp Business APIs.
• 5.3. Legal Dispatches: You agree that all legal notices, document disclosures, and formal statutory communications can be transmitted electronically to your designated digital endpoints.

6. Acceptable Use Policy

6.1. You agree to use the Mint Finance website and operational frameworks exclusively for legitimate, lawful, personal-use scenarios. You are prohibited from leveraging our data systems to test unauthorized identity portfolios, manipulate loan calculation values, or map architectural vulnerabilities.

6.2. Any attempt to scrape automated content, execute denial-of-service (DoS) strikes, deploy cross-site scripting (XSS) actions, or inject malicious logical payloads into our self-service nodes will result in immediate termination of portal privileges and the initiation of formal criminal and civil prosecution under South African cybercrimes legislation.

7. Intellectual Property

7.1. All layout parameters, text assets, calculations, operational source code, graphics, branding indices, trade names, and user interfaces displayed on this website are the proprietary property of Mint Finance or its direct technology partners.

7.2. No individual or corporate entity retains the right to copy, distribute, extract, reverse-engineer, or commercially exploit any material derived from our secure web application without formal, written authorization signed by an executive officer of Mint Finance.

8. Limitation of Liability

While we strive to maintain uninterrupted access to our credit services, Mint Finance offers this digital framework on an "as-is" and "as-available" foundation without express or implied warranties:

• 8.1. We do not guarantee that our internet portals will run continuously without intermittent service dropouts, technical latency, or structural downtime;
• 8.2. Mint Finance shall not be held financially liable for indirect, incidental, punitive, or consequential damages resulting from network connectivity failures, banking system clearing delays, or tracking errors;
• 8.3. We are not responsible for content, privacy standards, or tracking scripts managed on external third-party sites linked out from our information articles; and
• 8.4. Your utilization of the web interface occurs completely at your own distinct risk matrix.

9. Governing Law and Jurisdiction

9.1. These Terms of Use are governed completely, construed, and interpreted in absolute alignment with the laws of the Republic of South Africa.

9.2. Any legal action, dispute resolution protocol, or enforcement action resulting directly from your interaction with Mint Finance's digital footprint falls under the exclusive jurisdiction of the Magistrates' Court or the High Court of South Africa within the applicable regional division.

10. Contact Information

10.1. For information regarding our internal policies or to settle queries linked to the operation of these digital terms, contact our support division.

10.2. Our corporate operational contact variables are listed below:

• Attention: Compliance and Legal Affairs Department
• Corporate Entity: Mint Finance
• Support Email Support: [email protected]
• Telephone Channel: 062 778 7890