Terms & Conditions, Refunds

Terms & Conditions

1. Introduction

These Terms & Conditions govern the use of services provided by SACC Holdings (Pty) Ltd, trading as SA Credit Clear (“we”, “us”, “our”). By purchasing or using our services, you agree to be bound by these Terms.

Company Information

  • Registered Name: SACC Holdings (Pty) Ltd
  • Trading Name: SA Credit Clear
  • Registration Number: 2019/107710/07
  • Country of Registration: South Africa

2. Nature of Services

We provide:

  • Credit assessment and analysis services
  • Administrative support relating to credit information
  • Assistance with dispute submissions to credit bureaus and credit providers

We do not:

  • Act as a credit bureau or credit provider
  • Make decisions regarding credit listings
  • Guarantee the removal, update, or correction of any credit information

All outcomes are subject to verification and approval by third parties, including credit bureaus and creditors.

3. Credit Assessment Service

  • The credit assessment is a once-off paid service
  • It involves obtaining and reviewing credit data from one or more registered South African credit bureaus
  • The assessment provides insights, findings, and recommendations based on available data

4. Client Responsibilities

By using our services, you agree to:

  • Provide accurate and complete personal information
  • Authorize us to obtain your credit information where required
  • Cooperate with any requests for documentation or verification

Failure to provide accurate information may impact the effectiveness of the service.

5. No Guarantee of Outcomes

We do not guarantee:

  • Removal of judgments, defaults, or listings
  • Changes to credit scores
  • Approval of disputes by credit bureaus or creditors

All processes depend on third-party investigation and regulatory compliance.

6. Third-Party Involvement

Our services involve interaction with:

  • Registered credit bureaus
  • Credit providers
  • Regulatory frameworks under South African law

We are not responsible for delays, decisions, or outcomes controlled by these third parties.

7. Turnaround Times

Any timeframes provided are:

  • Estimates only
  • Dependent on third-party processes

Delays may occur beyond our control.

8. Fees and Payments

  • All fees are payable upfront unless otherwise agreed
  • Payments are processed securely via Paystack or other approved payment methods
  • Services commence once payment has been confirmed

9. Limitation of Liability

To the fullest extent permitted by law:

  • We are not liable for indirect or consequential losses
  • We are not responsible for decisions made by credit bureaus or creditors
  • Our role is limited to providing assessment, guidance, and administrative support

10. Privacy and Data Protection

We collect and process personal information solely for:

  • Delivering our services
  • Communicating with relevant credit bureaus or providers

All data is handled in accordance with applicable data protection laws, including POPIA.

11. Amendments

We reserve the right to update these Terms & Conditions at any time. Continued use of our services constitutes acceptance of any updates.

12. Governing Law

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

Refund Policy

1. Credit Assessment Fee (Primary Service)

The credit assessment fee is non-refundable once:

  • The credit report has been requested, obtained, or accessed
  • Work on the assessment has commenced

This is due to the immediate cost and processing involved in obtaining credit data from third-party bureaus.

2. Administrative & Support Services

For any additional services:

  • Fees are non-refundable once work has commenced
  • This includes submission of disputes, preparation of documentation, or engagement with third parties

3. Exceptions

Refunds may be considered only in the following circumstances:

  • Duplicate payment made in error
  • Service not rendered due to a fault on our side
  • Payment processed but no work initiated

All refund requests are subject to review and approval.

4. No Outcome-Based Refunds

Refunds will not be issued based on:

  • Unsuccessful dispute outcomes
  • Listings not being removed or updated
  • Credit score not improving

As outcomes depend on third-party decisions beyond our control.

5. Refund Processing

Approved refunds:

  • Will be processed via the original payment method where possible
  • May take 5–10 business days depending on the payment provider

6. Cancellation

Clients may cancel services:

  • Before work has commenced, subject to review
  • Once work has started, cancellation does not guarantee a refund

7. Contact

For refund or billing queries, clients must contact us via official communication channels provided on our website.