Terms & Conditions
The terms that apply when you use this website or apply for a loan.
These Terms & Conditions apply to your use of this website and to any loan application you make through it. By using the website or submitting an application, you agree to these terms. Please also read our Privacy Policy, which explains how we handle your personal information.
1. About us
- Name: ImaliFin (Pty) Ltd, trading as ImaliFin
- Legal status: Private company registered in South Africa, registration number
- Registered credit provider: NCR registration number
- Physical address:
- Email: apply@imalif.co.za
- Phone: +27 69 773 9623
- Website: https://imalif.co.za
2. Using this website
You may use this website to learn about our products and to apply for a loan. You agree not to use it for any unlawful purpose, not to submit information that is false or belongs to someone else without their authority, and not to interfere with the website's security or operation.
3. Loan applications
Information on this website about our products, including eligibility requirements and loan amounts, is general information. It is not an offer of credit.
When you submit an application:
- you confirm that the information and documents you provide are true, complete and your own (or that you are authorised to provide them on behalf of the business);
- you agree that we may verify your identity and your business, and carry out credit and affordability checks, including enquiries with credit bureaus;
- we may ask you for more information or documents before we make a decision; and
- we may approve or decline your application in line with the National Credit Act and our lending criteria. If your application is declined, you may ask us for the reasons.
Submitting an application does not create a loan. A loan only exists once your application has been approved and you have accepted a written credit agreement. Before you are bound, you will receive the pre-agreement statement and quotation required by the National Credit Act, setting out the amount, costs, repayments and terms. If there is any conflict between these Terms & Conditions and your credit agreement, the credit agreement applies.
Providing false or misleading information may lead to your application being declined and, where appropriate, being reported to the relevant authorities.
4. Personal Loans through VulaCheck
Personal Loan applications are completed on the platform of our partner, VulaCheck. When you follow a link to VulaCheck, you leave this website, and VulaCheck's own terms and privacy policy apply to your use of its platform. We are not responsible for the content or operation of third-party websites.
5. Website content
We try to keep the information on this website accurate and up to date, but we do not guarantee that it is complete or free of errors, or that the website will always be available. All content on this website, including text, logos and design, belongs to ImaliFin or is used with permission, and may not be copied or reused without our written consent.
6. Limitation of liability
To the extent permitted by law, including the Consumer Protection Act 68 of 2008 and the National Credit Act, ImaliFin is not liable for any loss or damage arising from your use of this website or from any temporary unavailability of it. Nothing in these terms limits any right you have under law that cannot be excluded.
7. Changes to these terms
We may update these terms from time to time. The latest version will always be on this page, with its effective date shown at the top. The terms in force when you submit an application apply to that application.
8. Governing law
These terms are governed by the laws of the Republic of South Africa.
9. Contact us
If you have questions about these terms, contact us at apply@imalif.co.za or +27 69 773 9623.