Terms & Conditions

Our Content

Except as expressly provided in this Agreement, all content on this site is the property of ThinkMoney and is protected by copyright laws. "Content" means any information, mode of expression, or other material and services found on ThinkMoney website. This includes discussion boards, product reviews or feedback, product comparisons, calculation algorithms, chat, writings, graphics and any and all other features found on the site. This does however exclude member's personal details.

Loan Conditions

ThinkMoney is a facilitator of loans and as such cannot disclose the precise terms of each loan provider's money lending conditions. Therefore the implications of late payments varies from lender to lender; the implications of non-payment varies from lender to lender; Code of Practice/Policy on Responsible Lending is dependent on the lender; the disclosure of fees including the annual percentage rate (APR) is dependent on the various lenders; and the disclosure of renewal policy varies from lender to lender.

Clients are advised to clarify this information with the relevant provider that they are prequalified with before taking out a loan.

Loans are subject to the National Credit Act No. 34 of 2005. In accepting the terms and conditions you give ThinkMoney the permission to obtain a credit check and or any other relevant check on your behalf.

Your Content

• You own the copyright to the information you post on the site.
• Please note, however, that when you post content (such as a product feedback or discussion board post) in the areas, you expressly grant ThinkMoney an unlimited and royalty-free license to republish and/or sell the post.
• ThinkMoney will only use and republish your words in context and will not make any substantive changes to it.
• ThinkMoney will also credit you as the author in any use or republication of your material unless you have chosen to provide this information anonymously.
• All ThinkMoney online applications are completely free of charge.

Conduct

At ThinkMoney, the platform encourages members to share their views and voice their opinions. However, it must be done in a lawful and civil manner - be it writing product reviews, posting messages on boards or using systems to communicate directly to any other person. As such, you agree to use ThinkMoney for lawful purposes only. You may not use, or allow others to use, your ThinkMoney membership to:

• Post or transmit any content that is abusive, vulgar, obscene, hateful, fraudulent, unlawful, threatening, harassing, or defamatory or which discloses private or personal matters concerning any person;
• Post or transmit any material that you do not have a right to transmit under law (such as copyright, trade secret or securities) or under contractual or fiduciary relationships (as in nondisclosure agreements);
• Post, transmit, or link to sexually explicit material;
• Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with anyone or entity;
• Post or transmit statements that are intentionally false or misleading, or use such statements to manipulate the market for any security;
• Post or transmit any advertising, promotional materials, or other forms of solicitation including chain letters or pyramid schemes;
• Intentionally violate any other applicable law or regulation while accessing and using the site;
• Collect or store personal data about other users;
• Post or transmit any file that contains viruses, corrupted files, "Trojan Horses," or any other contaminating or destructive features that may damage someone else's computer.

ThinkMoney reserves the right to monitor any information transmitted or received through the site. ThinkMoney, at its sole discretion and without prior notice, may at any time review, remove, or otherwise block any post or terminate your membership for violating the above provisions.

Indemnification

You agree to indemnify, defend, and hold harmless ThinkMoney, and its, affiliates, directors, officers and employees from and against any claim, liability, cost, damage or loss it may incur (including, without limitation, attorneys' fees) as a result of any material you post on the forums or reviews or any violation by you of your obligations under these terms and conditions.

Disclaimer of Warranties and Liability

• ThinkMoney cannot and does not warrant the completeness or accuracy of the comparisons, news, information, or other content found on the site, or its usefulness for any particular purpose.
• You understand and acknowledge that information posted or transmitted by other users are the sole responsibility of the person from which such material originated.
• ThinkMoney takes no responsibility for the accuracy, completeness, or even truth of the information posted in the areas.
• ThinkMoney relies on various sources of information that it believes to be accurate and reliable. However, ThinkMoney makes no claims or representations as to the accuracy, completeness, or truth of any material contained in the areas. All information provided on ThinkMoney is to be used on an "as is, with all faults" basis.
• We make no promises that content or the service itself will be delivered uninterrupted, timely, secure or error-free.
• What this all means is that you agree that under no circumstances shall ThinkMoney be liable for any direct, indirect, incidental or any other type of loss or injury resulting from your use, or downloading of any content on the site. This includes, but is not limited to, loss or injury caused in whole or in part by negligence or by contingencies beyond its control in creating or delivering any portion of ThinkMoney.
• You also agree that ThinkMoney shall not be liable for any decision made or action taken by you or others based upon reliance on news, information, or any material published by ThinkMoney.