Terms, conditions and refunds

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.

Reading the website or sending an enquiry does not place an order, authorise a credit-bureau search or commit you to further paid work. Before an order is concluded, you must have an opportunity to review the scope and total price, correct mistakes and decide not to proceed. The applicable terms and order information must be available for you to save or request as a record.

Online personal-assessment ordering is intended for adults aged 18 or older. A person instructing us for a company or another person must have the necessary authority. We may require suitable evidence before accessing information or acting on that instruction.

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. Dispute assistance, account updates, work involving a judgment, legal representation, debt counselling or other additional services are not automatically included in an assessment. Any further work requires a separate agreed scope, appropriate authorisation and, where applicable, a separate quotation. You are not obliged to accept further work.

You may access available free credit-report and direct dispute routes yourself. Buying our interpretation or support is optional. The comparison of free reports and paid assessment explains the distinction. Our service does not restrict your right to approach a bureau, creditor or appropriate regulator directly.

Information collection and authorisation must match the service requested. Read how your information is used before supplying additional information.

Debt review removal assistance

SA Credit Clear offers assistance with debt-review information, supporting documents and appropriate next steps where a lawful removal, exit or correction process is available. The work we agree to provide, its limits and any necessary professional involvement will be described before you instruct us. Regulated debt-counselling and legal functions must be performed by the appropriately authorised professional.

An enquiry or general credit-report assessment does not itself authorise a debt-review application or transfer, a credit-bureau search, a court application or disclosure to an unrelated third party. It does not cancel debt review or an existing repayment obligation. Additional instructions and authority are obtained separately where required.

We do not guarantee eligibility, certificate issue, removal, a particular completion date, a credit-score change or a lending decision. Continue complying with existing obligations while obtaining appropriate guidance. Refer to the service explanation, fee rules and cancellation and refund provisions.

Prescribed accounts removal assistance

SA Credit Clear offers agreed assistance with credit-record issues involving accounts alleged to have prescribed. This may include organising information, explaining legal prescription versus bureau reporting, and assisting with an appropriate query, dispute or administrative follow-up within the confirmed scope. Legal opinions, court processes and other reserved functions must be handled by an appropriately authorised professional.

An enquiry, website page or general assessment is not a ruling that a debt prescribed, a notice to a creditor/bureau or a guaranteed removal. Consumers remain responsible for legal deadlines and current lawful obligations while obtaining advice.

Before instruction, we explain the work, limits, information/authority required, third-party involvement, proposed charges and lawful payment timing. We do not guarantee prescription, removal, timing, score change or finance approval. See the service explanation, fees and refund terms.

• 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

The scope of the personal assessment must be read with the order confirmation. Do not assume that every bureau, every report, a consultation or a particular document is included unless the offer expressly says so.

The personal package described on the assessment page includes its agreed multi-bureau review, recommendations, action plan and consultation. A company assessment is separately described and covers only the agreed company and properly authorised director information. The accepted order must identify the scope and delivery arrangements; neither assessment automatically includes further dispute, removal, negotiation or legal work.

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.

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. We are not the lender deciding a finance application or the credit bureau deciding how information is recorded. Correcting an error is different from removing lawful and accurate history.

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.

Any timeframes provided are:

• Estimates only
• Dependent on third-party processes

Delays may occur beyond our control.

Electricity-advance access through Umhlakasi is separate from SA Credit Clear's credit-report assessment and credit-record support. The provider's applicable agreement and specific offer govern eligibility, charges, token transactions and repayment. Read these before confirming. Viewing the page or opening the portal does not itself accept an advance.

A credit report assessment purchase is not a condition of using this electricity access point. Its fees, delivery and cancellation arrangements should not be assumed to describe the provider's electricity transaction. Your applicable rights remain unaffected, and SA Credit Clear remains responsible for services and commitments it agrees to provide.

Read our electricity fees and repayment explanation. Provider-transaction questions follow its support process; our contact and complaints channels remain available for concerns about our own service.

Statutory payment restrictions take precedence. Where section 126A(3) of the National Credit Act applies to a credit-record improvement or information-removal service, no payment may be received before that service has been fully performed, and the required disclosure statement must be provided. Any general payment-before-work wording in these terms does not authorise collection prohibited by law. A different fee label does not remove this restriction.

A credit-report assessment is not a debt review removal package, and its purchase is not required for an initial removal enquiry. The scope, any lawful charges and payment timing for separately agreed work must be disclosed and accepted separately.

That qualification also applies where prescribed-accounts work is a covered credit-record improvement or removal service; the personal assessment is separate and not a compulsory gateway or substitute removal fee.

• 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

The total price for your selected service must be shown before you confirm payment, including any applicable taxes and compulsory charges. Prices are in South African rand. A personal assessment and a company assessment are different offers; the scope and price for one must not be assumed to cover the other.

An assessment is a once-off purchase, not a subscription. Additional work is charged only under a separate agreement. We do not automatically enrol you in a recurring service or charge for additional work simply because an assessment identifies a possible issue.

Use the payment method identified in the order journey. Do not send card details, a PIN, a banking password or a one-time password to our team or through an enquiry form. A payment-page visit or button click is not proof that money was received. Payment status is based on the payment provider's confirmation and the transaction record.

The order or agreed quotation must explain the delivery method and expected timing before you buy. Work that requires identity verification, information or authorisation cannot proceed until the necessary requirements have been met. Payment alone does not authorise a bureau request or supply missing consent.

Please provide accurate information, use the agreed document-submission channel and tell us about a material error or change in your instructions. We will explain any material information still needed, and notify you of an unavoidable delay affecting our work. A timing estimate for a third party does not guarantee when a bureau, creditor, court or lender will act.

We do not advise you to stop agreed repayments, make misleading applications or dispute information you know to be accurate. A court matter, debt-review issue or individual legal question may need a suitably qualified professional. Any statement that work only starts after upfront payment applies only where that payment arrangement is lawful, and is expressly subject to the fee and payment rules above.

This section outlines our cancellation and refund rules for all services. Nothing in these terms limits a cancellation right, refund, service-quality remedy or other protection that applicable South African law (including the ECT Act and Consumer Protection Act) gives you.

The name or description of a fee does not authorise a prohibited upfront charge or make it non-refundable. Mandatory repayment and service remedies remain available. Cancellation of our assistance service is not cancellation of debt review or permission to stop agreed repayments. The nature of the instruction, work lawfully provided and applicable law determine the appropriate remedy.

Cancelling our assistance does not determine prescription, remove information, cancel court process or authorise non-payment. Payment/refund consequences remain subject to the actual service, lawful work, mandatory rights and the fee restrictions above.

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

To cancel a service, contact us promptly via email at info@sacreditclear.co.za, send a message to WhatsApp 011 012 5846, or call 011 012 5846. Provide your name, order or payment reference, and details of the service.

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

We remain responsible for our own agreed work and for obligations that the law places on us. These terms do not exclude liability for fraud, gross negligence or another liability that cannot lawfully be excluded. They do not require you to waive mandatory consumer or privacy rights, or to give up access to a regulator, competent tribunal or court.

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. For full details, please review our Privacy Policy.

Amendments

We reserve the right to update these Terms & Conditions at any time. Continued use of our services constitutes acceptance of any updates. Changes to these website terms apply prospectively; they do not rewrite a completed purchase without lawful agreement.

Governing Law

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

For refund, billing or general service queries, contact SACC Holdings (Pty) Ltd, trading as SA Credit Clear: WhatsApp 011 012 5846, call 011 012 5846, or email info@sacreditclear.co.za.

The complaint process explains what to include and how to request further review. You may also use our published contact details. Raising a complaint does not prevent you from exercising a cancellation right within its applicable period.