Legal Information

This mandatory legal notice governs the terms and conditions of use for this website (https://credanta.co.za). By accessing, browsing, or using this website, or by submitting any web form, you acknowledge that you have read, understood, and accept all terms and conditions contained herein without reservation, in accordance with the laws of the Republic of South Africa.

1. Website Ownership & Statutory Disclosures

In compliance with Section 43 of the Electronic Communications and Transactions Act No. 25 of 2002 (ECTA) of South Africa, the mandatory statutory details of the website owner are disclosed below:

• Website Name / URL: Credanta (https://credanta.co.za)

• Owner & Legal Status: FINANSI GROUP, S.L. (a Spanish Limited Liability Company / Sociedad Limitada)

• Registration / VAT Number: ESB66240672

• Registered Office & Physical Address: Calle Felip María Garín 4, 1st floor, B2, 46021 – Valencia, Spain

• Email Address for Contact & Legal Service: info@digitaldatacontrol.com

• Main Business Activity: Online marketing, lead generation, and informational referral services.

2. Acceptance of Terms & Electronic Communications

In terms of Sections 22 to 26 of the ECTA, accessing this website, submitting online forms, or corresponding with us via data messages constitutes a valid electronic communication and binding agreement. You warrant that all data messages sent from your device are authorized by you personally.

3. Use of the Website

Users agree to use this website responsibly, lawfully, and in good faith. Users expressly agree to refrain from:

• Engaging in any activity that could compromise, overload, damage, or impair the website’s infrastructure, systems, or security.

• Violating the intellectual property rights or reputation of the website owner or third parties.

• Submitting false, fraudulent, inaccurate, or misleading personal and financial information in the online forms available on the site.

4. Services Provided & Financial Regulatory Disclaimer

Through this website, users can complete online forms to request information, referrals, or connection with third-party providers regarding financial products and services. Once a request is submitted, user data is analyzed and shared with trusted partner companies and institutions operating in the South African financial sector, who will assess the user's profile and offer appropriate financial solutions.

• Regulatory Disclaimer: FINANSI GROUP, S.L. (trading as Credanta) acts strictly as an online lead-generation and referral intermediary platform. We are NOT an authorized Financial Services Provider (FSP) under the Financial Advisory and Intermediary Services Act No. 37 of 2002 (FAIS Act), nor are we a registered Credit Provider or Credit Broker under the National Credit Act No. 34 of 2005 (NCA).

• No Financial Advice: Nothing on this website constitutes direct financial, investment, legal, or credit advice. All credit assessments, underwriting decisions, product analyses, and formal financial offers are conducted independently by our licensed partner financial institutions.

• Remuneration Disclosure: Users acknowledge that FINANSI GROUP, S.L. may receive a referral fee, lead-generation fee, or marketing commission from partner financial institutions for connecting users with them, in compliance with applicable Financial Sector Conduct Authority (FSCA) regulations.

• Cost of Service: Accessing and submitting requests through this website is entirely free of charge for users.

5. Data Collection Forms & Privacy Protection (POPIA Compliance)

By submitting information through the web forms on this site, users warrant that all provided data is authentic, accurate, current, and reflects their actual personal and financial situation. Each new registration or submission will automatically update existing data held in our systems.

• POPIA Consent & Lawful Processing: All personal information collected through this website is processed strictly in accordance with the Protection of Personal Information Act No. 4 of 2013 (POPIA) of South Africa. By submitting a form, you give your explicit, voluntary, and informed consent for FINANSI GROUP, S.L. to collect, process, and store your personal data for the purpose of matching your profile with financial service providers.

• Third-Party Data Sharing & Cross-Border Transfer: You expressly consent to the transfer of your personal information to our network of South African financial partner companies to enable them to contact you regarding your request. Furthermore, as the website owner is headquartered in Spain (European Union), you consent to the necessary cross-border transfer and storage of your personal data to our secure servers in Spain, where data is protected under standards equivalent to or exceeding POPIA (EU GDPR).

• User Liability: Users are solely responsible for any false, inaccurate, or misleading statements submitted, and for any resulting damages caused to the website owner, financial partners, or third parties. The website owner is not responsible or liable for any service rejections, credit denials, or contractual issues arising from incorrect or incomplete data provided by the user.

(For detailed information on your rights under POPIA—including the right to access, correct, or delete your data, or to lodge a complaint with the South African Information Regulator—please review our Privacy Policy).

6. Website Security & Disclaimer of Warranties

We implement all reasonable technical and organizational security measures to ensure the integrity and safety of this website. However, due to the inherent nature of the internet, we cannot warrant or guarantee that the website will be entirely uninterrupted, error-free, or free from viruses, malware, or other harmful components. Users are solely responsible for utilizing appropriate antivirus and security tools on their own devices. Access to the website is provided on an "as is" and "as available" basis.

7. Limitation of Liability & Use of Information

To the maximum extent permitted by applicable South African law (including the Consumer Protection Act No. 68 of 2008), FINANSI GROUP, S.L., its directors, employees, and administrators shall not be held liable for:

• Any direct, indirect, incidental, or consequential damages arising from the use of, or inability to use, this website.

• Any misuse or misinterpretation of the informational content provided on the website by users.

• Any decisions made by third-party financial institutions regarding whether to grant, deny, or modify credit or financial products requested by the user.

8. General Terms of Third-Party Agreements & Consumer Rights

This website serves purely as a connecting bridge between consumers and independent financial entities.

• The specific terms and conditions governing any financial product, loan, or credit agreement—including interest rates, fees, formalization procedures, credit terms, and statutory cooling-off / withdrawal rights under Section 121 of the National Credit Act (NCA) or Section 44 of the ECTA—are determined exclusively by the selected financial provider.

• By using our referral services, users acknowledge and agree that all inquiries, negotiations, formal contracts, and complaints regarding the actual financial products will be handled directly by the selected third-party financial institution and are subject to its respective general terms and conditions.

9. Governing Law and Jurisdiction

These Terms of Use, as well as any dispute or claim arising from or related to the access and use of this website, shall be governed by, construed, and enforced in accordance with the laws of the Republic of South Africa and Spain. By using this website, users irrevocably submit to the jurisdiction of the Spanish Courts, as our website is owned by a Spanish company.

10. Contact Information

If you have any questions, legal notices, or concerns regarding these Terms of Use or how we process your information, please contact us at:

• Email: info@digitaldatacontrol.com

• Postal Address: Calle Felip María Garín 4, 1st floor, B2, 46021 – Valencia, Spain