Terms & Conditions

Sikhona Capital (Pty) Ltd

Welcome to Sikhona Capital (Pty) Ltd. By accessing or using www.sikhonacash.co.za and any related platform (“the Platform”), you agree to these Terms & Conditions. Please read them carefully before using our services.

1. Introduction

Sikhona Capital (Pty) Ltd is a registered credit provider offering fast, simple, and secure short-term loans online.

NCR Registration Number: NCRCP22805

By using our Platform and Services, you acknowledge that you have read, understood, and accepted these Terms.

2. Our Services

We provide online short-term loan application services.

Our Platform allows you to:

• Apply for a loan online
• Receive loan application results within 24 hours
• Review your pre-agreement quotation
• Accept your credit agreement electronically
• Access your customer profile and account information

3. Creating a Customer Profile

To apply for a loan, you must create a profile on our Platform.

By registering, you agree that:

• All information provided is accurate and complete
• You will keep your information updated
• You are responsible for maintaining the confidentiality of your login credentials
• You will notify us immediately of any unauthorised access to your account

4. Eligibility

By using our Platform, you confirm that:

• You are at least 18 years old
• You have legal capacity to enter into agreements
• You provide truthful and accurate information
• You are using the Platform for lawful purposes only

5. Loan Payments

Loan repayments may be made via:

• Electronic Funds Transfer (EFT)
• Debit Order
• Online Payment

Payments are only considered received once cleared and reflected in our account.

6. Early Payments

You may settle your loan early at any time.

Any early payment made will be credited to your account, but outstanding amounts will remain payable in accordance with your credit agreement.

7. User Responsibilities

You agree not to:

• Use the Platform unlawfully
• Provide false or misleading information
• Upload harmful software, viruses, or malicious code
• Interfere with the functionality of the Platform
• Infringe any intellectual property rights
• Use the Platform for fraudulent or criminal activities

Failure to comply may result in suspension or termination of your access.

8. Intellectual Property

All content on this Platform, including but not limited to:

• Text
• Graphics
• Logos
• Branding
• Layouts
• Software
• Design Elements

remain the property of Sikhona Capital (Pty) Ltd or its licensors.

No content may be copied, reproduced, or distributed without prior written consent.

9. Security and Availability

While we take reasonable steps to secure the Platform:

• We do not guarantee uninterrupted access
• We do not guarantee the Platform will always be error-free
• Use of the Platform is at your own risk

10. Third-Party Links

Our Platform may contain links to third-party websites.

We are not responsible for:

• Their content
• Their privacy practices
• Their availability
• Their terms of use

Use of third-party websites is at your own risk.

11. Limitation of Liability

To the fullest extent permitted by law:

Sikhona Capital (Pty) Ltd, its directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Use of the Platform
• Inability to use the Platform
• Reliance on information provided
• Technical failures or interruptions

12. Indemnity

You agree to indemnify and hold Sikhona harmless against any claims, damages, liabilities, costs, or expenses arising from:

• Your misuse of the Platform
• Your breach of these Terms
• Your unlawful conduct

13. Dispute Resolution

Should any dispute arise:

• The parties will first attempt to resolve the matter amicably
• If unresolved, the matter may proceed to mediation

Loan-related disputes may also be referred to:

• The National Credit Regulator
• The National Credit Tribunal

14. Termination of Use

We reserve the right to suspend or terminate your access to the Platform if:

• You breach these Terms
• You misuse the Platform
• We are required to do so by law

15. Amendments to Terms

We may update these Terms from time to time.

Updated Terms will become effective upon publication on the Platform.

Continued use of the Platform constitutes acceptance of the updated Terms.

16. Governing Law

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

17. Company Information

Company Name: Sikhona Capital (Pty) Ltd

Registration Number: 2025/332530/07

NCR Number: NCRCP22805

Business Type: Credit Provider

Email: info@sikhonacash.co.za

Website: www.sikhonacash.co.za

Physical Address: 66 3rd Road, Northwold, 2188