1. Introduction

These Terms and Conditions govern your use of the Acquifin website and the services offered by Acquifin ("the Company", "we", "our", or "us"). By accessing or using this website, you agree to comply with and be bound by these Terms and Conditions.

If you do not agree to these Terms, you must not use this website.

2. Nature of Services

Acquifin provides debt collection and related financial recovery services in accordance with applicable South African legislation, including but not limited to:

• The Debt Collectors Act 114 of 1998;
• The National Credit Act 34 of 2005 ("NCA");
• The Protection of Personal Information Act 4 of 2013 ("POPIA");
• The Electronic Communications and Transactions Act 25 of 2002 ("ECTA").

3. Use of the Website

You agree:

• To use the website only for lawful purposes;
• Not to interfere with the operation or security of the website;
• Not to upload malicious software or harmful code;
• Not to provide false or misleading information;
• Not to attempt unauthorised access to Acquifin systems or data.

4. Debt-Related Information

Any account balances, statements, payment arrangements, or debt-related information displayed on the website:

• Are provided for informational purposes only;
• May be subject to reconciliation and verification;
• Do not constitute legal advice.

Should you dispute any information, you must contact Acquifin directly.

5. Payments

Payments made through the website:

• Are processed through secure third-party payment providers;
• May take time to reflect on your account;
• Do not automatically constitute settlement in full unless confirmed in writing by Acquifin.

Acquifin reserves the right to allocate payments in accordance with legal and contractual obligations.

6. Intellectual Property

All content on this website, including logos, trademarks, text, graphics, and software, is the property of Acquifin or its licensors and may not be copied, reproduced, or distributed without prior written consent.

7. Limitation of Liability

To the maximum extent permitted by South African law:

• Acquifin shall not be liable for indirect, incidental, or consequential damages;
• The website is provided "as is" without warranties of any kind;
• Acquifin does not guarantee uninterrupted or error-free website operation.

8. Third-Party Links

The website may contain links to external websites. Acquifin is not responsible for the content, security, or privacy practices of third-party websites.

9. Complaints and Disputes

Complaints may be submitted to:

Consumers may also refer complaints to the Council for Debt Collectors or other applicable regulatory bodies where appropriate.

10. Amendments

Acquifin reserves the right to amend these Terms and Conditions at any time. Updated versions will be published on this website.

11. Governing Law

These Terms and Conditions are governed by the laws of the Republic of South Africa.