Terms & conditions

  1. INTRODUCTION 
    1. These Terms regulate access to and use of the Platform, online application journey, customer portal and all related digital services made available for short-term loan applications and account servicing.
    2. By accessing, browsing, registering for, applying through, logging into, subscribing to, signing electronically, making payment through or using the Platform, the User agrees to be bound by these Terms. If the User does not agree to these Terms, the User must not access or use the Platform.
    3. Where a separate Credit Agreement or other credit document has been concluded between ClickCredit and a User, that document will apply in addition to these Terms. If there is a conflict, the signed Credit Agreement will prevail to the extent of the conflict.
  2. DEFINITIONS

    Unless the context indicates otherwise, the words and expressions set out below shall have the meanings assigned to them hereunder and cognate expressions shall have a corresponding meaning, namely:

    1. “ClickCredit” means Altera Digital Services Proprietary Limited (Registration number: 2026/189260/07), trading as ClickCredit; 
    2. “App” means any mobile application, progressive web application, mobile interface or app-based functionality made available by ClickCredit for access to the Platform;
    3. “Applicable Laws” means all applicable laws, regulations, statutes, codes, standards, directives and legally binding requirements applicable in the Republic of South Africa or any other relevant jurisdiction including the National Credit Act No. 34 of 2005, POPIA and ECTA; 
    4. “Business Day” means any day which is not a Saturday, Sunday or a public holiday in RSA (within the meaning of the Public Holidays Act No. 36 of 1994);
    5. “Credit Agreement” means any written, electronic or digital credit agreement, quotation, pre-agreement statement and any related credit documentation entered into or accepted by the User through the Platform or any related channel in respect of a Loan;
    6. “Credit Bureau” means TransUnion, Experian or any other registered credit bureau or lawful credit information provider used by ClickCredit for credit, affordability, fraud, identity and risk assessment purposes and “Credit Bureaus” shall have a similar meaning as the context requires; 
    7. “DebiCheck” means the authenticated debit order mandate process used to obtain and manage the User’s bank-approved repayment mandate;
    8. “ECTA” means the Electronic Communications and Transactions Act No. 25 of 2002; 
    9. “Loan” means a short-term credit product offered by ClickCredit, subject to approval, eligibility, affordability assessment, final Credit Agreement and Applicable Laws;
    10. “Intellectual Property” means all intellectual property rights of any nature, whether registered or unregistered, including copyright, trade marks, trade names, service marks, domain names, software, source code, object code, APIs, databases, know-how, inventions, designs, patents, confidential information, trade secrets, data models, workflows, algorithms, reports, dashboards, documentation and proprietary processes; 
    11. “OTP” means one time pin; 
    12. “Platform” means the Website, App, customer portal, application forms, calculator, dashboards, electronic signing tools, payment tools, verification tools, APIs, integrations, databases, support channels, communications and related technology made available by ClickCredit;
    13. “POPIA” means the Protection of Personal Information Act No. 4 of 2013; 
    14. “RSA” means the Republic of South Africa;
    15. “Services” means all services provided by ClickCredit in connection with the Platform, including online loan applications, eligibility checks, identity verification, bank account verification, affordability assessment, Credit Bureau checks, Credit Agreement signing, DebiCheck mandate facilitation, payout facilitation, repayment processing, reminders, collections support, customer support and account servicing;
    16. “Terms” means these terms and conditions of use of the Platform, as amended from time to time; 
    17. “User” means any person who accesses or uses the Platform, including an applicant, borrower, customer, repeat customer or account holder and “Users” shall have a similar meaning as the context requires; and 
    18. “Website” means the ClickCredit website and any related website, landing page, web application, customer portal or online interface used for the Services.
  3. PURPOSE AND OBJECTIVES
    1. The purpose of these Terms is to regulate the Users’ access to and use of the Platform and Services.
    2. The Platform is intended to provide a digital short-term loan application and account servicing journey, including a landing page, loan calculator, phone number verification by OTP, password creation, personal data capture, address, employment and affordability screens, bank account verification, biometric identity verification, bank statement upload or extraction, POPIA consent, loan amount confirmation, electronic Credit Agreement signing, DebiCheck mandate approval, loan status tracking, active credit display and repayment functionality.
    3. The calculator, landing page content, examples, preliminary screens and application progress indicators are for information and application facilitation only and do not constitute a guarantee, offer or approval of credit. Any Loan remains subject to verification, affordability assessment, risk assessment, Credit Bureau checks, successful signing of the required credit documents, (including the Credit Agreement) successful DebiCheck mandate registration where required and ClickCredit’s final approval.
  4. BINDING NATURE OF TERMS 
    1. The User’s acceptance of the Terms will be indicated by accessing, browsing, registering for, subscribing to, integrating with and/or using the Platform, which access, use and/or subscription will render these Terms binding upon the User. 
    2. The User may also be required to accept specific consents, declarations, quotations, pre-agreement statements, DebiCheck mandates and Credit Agreements during the application journey. Those specific documents will apply together with these Terms.
    3. If the User does not agree to these Terms, the User must not access or use the Platform.
  5. TERMS 
    1. These Terms, as amended by ClickCredit from time to time, set out the basis on which the User may access and use the Platform and regulate the relationship between the Users and ClickCredit in relation to the Platform.
    2. ClickCredit may amend these Terms by publishing the amended version on the Platform or by otherwise notifying the User. Continued access to or use of the Platform after amendment constitutes acceptance of the amended Terms.
  6. PLATFORM ACCESS, APPLICATION AND ELIGIBILITY 
    1. The User must provide accurate, complete and current information when using the Platform, including a South African mobile number in +27 format, South African ID number, full name as reflected on the User’s identity document, residential address, marital status, employment information, income, expenses, banking information and any other information required during the application flow.
    2. The User must be at least 18 years old and meet ClickCredit’s eligibility and credit policy requirements. ClickCredit may decline, stop or restrict an application where eligibility, verification, affordability, legal or risk requirements are not met.
    3. The User may be required to complete technical checks, anti-bot checks, device/session controls, SMS OTP verification, password creation and other security steps before accessing or continuing an application.
    4. The User must not submit information or banking details that belong to another person, impersonate another person, bypass verification controls, interfere with the Website or App or attempt to manipulate an application outcome.
    5. ClickCredit may reject, pause, block or require manual review of any application where fraud, identity mismatch, bank account mismatch, legal stop, debt review, deceased status, administration order, sequestration, adverse risk indicator, affordability concern, Credit Bureau decline, incomplete verification, repeated failed applications, technical abuse or any other policy or legal restriction is identified.
  7. LOAN APPLICATION FLOW AND VERIFICATION 
    1. The User acknowledges that the Platform may include, without limitation, the following steps: loan amount and term selection, phone number OTP verification, password creation, personal data entry, address details, employment details, affordability assessment, bank account entry and verification, biometric identity verification, bank statement upload or bank data extraction, POPIA consent, confirmation of the loan amount, review and signing of the loan agreement, DebiCheck mandate approval, application review, payout and account servicing.
    2. All OTPs for login, verification and electronic signing may be sent by SMS. ClickCredit may also use email, SMS and WhatsApp for application, payout, repayment reminder, pre-collection, collection, promotional and service communications, subject to Applicable Laws and the User’s marketing choices where required.
    3. Bank account verification may be conducted through service providers such as Amplifin, Altron or other authorised providers. The User authorises ClickCredit and its service providers to verify the User’s bank account information, account holder information, bank code, account number and related data for application, fraud prevention, affordability, payout and repayment purposes.
    4. If a bank account verification indicates that the account holder does not match the User’s full name, South African ID number or application information, the User may not proceed and the application may be declined or blocked.
    5. The User may be asked to provide access to bank statements or bank transaction data for the last 90 (ninety) days or such other period required by ClickCredit or Applicable Laws. Such data may be collected manually or through bank data providers, open banking providers or payment/verification partners.
    6. ClickCredit may analyse bank statement and transaction information for income, salary markers, employment consistency, recurring expenses, rent/bond, utilities, transport, groceries, insurance, other credit commitments, returned debit orders, unpaid items, gambling or betting indicators, payday loan or other micro-finance transactions, affordability, disposable income and other risk or policy indicators.
    7. Where Applicable Laws or ClickCredit’s credit policy requires minimum expense norms or affordability standards to be applied, ClickCredit may use such standards instead of or in addition to the User’s stated expenses.
    8. Identity verification may include biometric verification, selfie capture, liveness checks, anti-spoofing, anti-deepfake, anti-replay checks and face matching against an identity document or other permitted identity source, using providers such as FaceTec or equivalent providers. Failure to complete biometric verification may result in refusal or manual review.
    9. ClickCredit may obtain and analyse Credit Bureau data, including credit score, credit enquiries, arrears, open limits, debt review/debt counselling status, administration orders, sequestration, judgments, deceased status and other credit, identity, fraud and risk indicators.
    10. A Loan may be paid out only to the bank account that has passed verification and analysis, unless ClickCredit expressly approves another lawful process.
  8. CONFIDENTIALITY OF COMMUNICATIONS
    1. Any communication sent through the Platform is not confidential unless expressly designated as confidential or protected under the Credit Agreement between the User and ClickCredit and is not protected by privilege.
    2. The User acknowledges that communications, messages, uploads, support requests, API transmissions and other information sent, stored and/or uploaded on or through the Platform may be processed by ClickCredit for the purposes of providing, supporting, securing, improving and administering the Platform and Services.
    3. Nothing in this clause 8 limits any confidentiality obligations expressly agreed in a Credit Agreement between ClickCredit and the User.
  9. ELECTRONIC SIGNING, LOAN AGREEMENT AND DEBICHECK
    1. Before entering into a Loan, the User may be presented with a pre-agreement statement, quotation, Credit Agreement, consent, declaration and/or other credit documents. The User must read these documents before signing or accepting them.
    2. The User agrees that electronic acceptance, OTP confirmation, tick-box confirmation, digital signature, app-based confirmation or other electronic method made available through the Website or App may be used to evidence the User’s acceptance, subject to Applicable Laws.
    3. The User may be required to approve a DebiCheck or debit order mandate through the User’s banking app, bank channel or other authorised mandate process. If the mandate is not successfully registered or approved, the Loan may not proceed or may be cancelled before payout.
    4. The Credit Agreement, repayment amount, fees, interest, costs, due date, debit mandate and other credit terms will be governed by the applicable signed Credit Agreement and Applicable Laws.
  10. PAYMENTS, REPAYMENTS AND ACCOUNT SERVICING 
    1. All payments to be made pursuant to the use of the Platform or any Loan shall be made in Rands in immediately available funds, by debit order, DebiCheck, card payment, EFT, payment service provider or any other payment method made available by ClickCredit.
    2. The active credit screen may display the amount owed as at the date of viewing, amount payable, overdue amount if any, next payment date and other account information. Such information is provided for convenience and may change as payments, reversals, fees, interest, collections activity or system updates are processed.
    3. Bank or card details entered through a connected payment service are processed by the payment service provider. ClickCredit will not display or store full card details unless expressly stated and permitted by Applicable Laws and payment security requirements.
    4. The User remains responsible for ensuring that sufficient funds are available for scheduled repayment and for making any required repayment by the due date stated in the applicable Credit Agreement.
    5. ClickCredit may send repayment reminders, overdue notices and collection communications by SMS, email, WhatsApp or another lawful channel.
  11. REPEAT APPLICATIONS, DECLINES AND BLOCKING
    1. If an application is declined based on scoring, affordability or policy, the User may be permitted to submit a new application after the waiting period determined by ClickCredit’s policy, unless a different period is communicated or required by law.
    2. If an application is automatically rejected because of bank account mismatch, refusal to provide mandatory access, interruption of mandatory verification or failure of basic technical checks, the User may be permitted to reapply immediately, subject to ClickCredit’s systems and policies.
    3. Each repeat application may require the User to complete the full questionnaire again, provide updated information or bank statements, give fresh consents and agree to the applicable Loan terms again.
    4. ClickCredit may temporarily block repeated unsuccessful applications. For example, if a User makes 10 (ten) unsuccessful applications in a row, ClickCredit may block or suppress further external checks for 10 (ten) days or for another period determined by its fraud, risk, cost control and compliance policies.
    5. A hard block may be applied regardless of the number of applications where fraud, blacklisting, legal stop, debt review, deceased status, identity concern or other serious risk is detected. Repeated attempts may remain blocked until manually removed by ClickCredit, where appropriate.
  12. PLATFORM CONTENT 
    1. Content of the Platform:
      1. ClickCredit reserves the right to make improvements, to change or to discontinue any aspect or feature of the Platform from time to time, as well as any information and/or content on the Platform and to change and amend the Services, prices and rates quoted on the Platform, subject to any signed Credit Agreement with the User.
      2. ClickCredit reserves the right to make use of the services of third parties to provide information on the Platform, including hosting providers, connectivity providers, software providers, data processors, subcontractors, support providers and integration providers.
      3. ClickCredit does not warrant that every feature described in marketing material, presentations, proposals, screenshots or product descriptions will be available to every User unless expressly included in the applicable Credit Agreement. 
    2. Links:
      1. Links from the Platform to any other website are provided for convenience only and do not imply affiliation with or endorsement by ClickCredit of the other website.
      2. Any dealings that the User may have with linked websites, including advertisements found on the Platform, are solely between the User and the third-party website and the User waives any claims it might have against ClickCredit in respect thereof.
      3. ClickCredit does not assume any responsibility for the protection and privacy of any information which the User has provided while visiting such third-party websites. The User should exercise caution when accessing such third-party websites.
      4. The User may not create a link to the Platform from a third-party website or document without ClickCredit’s prior written consent.
    3. Security of the Platform:
      1. ClickCredit has put in place reasonable physical, electronic and procedural safeguards to secure material and information against loss, misuse, damage or modification and unauthorised access or disclosure.
      2. The User is responsible for maintaining the confidentiality and security of usernames, passwords, OTPs, device access, authentication tools and account details and must immediately notify ClickCredit of any actual or suspected unauthorised access, credential compromise, security incident or misuse of the Website or App.
      3. The User may not utilise the Platform in any manner which may compromise security, overload systems, bypass identity or affordability checks, interfere with application controls, tamper with data, scrape data, deliver malicious code, reverse engineer systems, gain unauthorised access or attempt to do any of the foregoing. Furthermore, should ClickCredit suffer any damage or loss, damages may be claimed by ClickCredit against that person or entity.
      4. Whilst ClickCredit has taken reasonable measures to ensure the integrity of the Platform and its contents, no warranty, whether express or implied, is given that any files, downloads, APIs, integrations, dashboards, applications or content available via the Platform are free of viruses or any other data or code which has the ability to corrupt, damage or affect the operation of the User’s system.
      5. In order to ensure the security and reliable operation of the Platform, ClickCredit hereby reserves the right to take whatever action it may deem necessary to preserve the security, integrity and reliability of its network, systems, cloud infrastructure, APIs, back-office applications and the Platform. 
      6. If the User commits any of the offences detailed in Chapter 13 of ECTA, the User shall, notwithstanding criminal prosecution, be liable for all resulting liability, loss or damages suffered and/or incurred by ClickCredit as well as its affiliates and agents.
    4. Devices, Connectivity and Third-Party Systems: 
      1. The User acknowledges that the Platform may depend on mobile devices, browsers, operating systems, internet connectivity, SMS providers, WhatsApp providers, email providers, banking apps, payment service providers, Credit Bureaus, bank verification providers, biometric providers, bank statement providers, geolocation services, cloud infrastructure and other external dependencies.
      2. Unless expressly agreed in writing, ClickCredit is not responsible for the User’s device, connectivity, mobile network, banking app, bank systems, browser settings, email settings, SMS delivery issues, WhatsApp delivery issues or any third-party system not supplied or controlled by ClickCredit.
      3. Platform performance, application progress, data accuracy, communication delivery, verification outcomes, payout timing and repayment processing may be affected by third-party systems, User information, connectivity, device compatibility, system availability or events outside ClickCredit’s reasonable control.
  13. LIMITATION OF LIABILITY
    1. The User agrees that all information provided on the Platform is provided “as is” and “as available”, except to the extent expressly agreed otherwise in a signed Credit Agreement. 
    2. ClickCredit shall not be liable for losses or damages arising from the User’s inaccurate information, unauthorised use of another person’s information, failed verification, declined application, delayed third-party response, unavailable third-party system, SMS or WhatsApp delivery failure, bank processing delay, payment provider delay, inability to access the Platform, or reliance on indicative calculator information, except to the extent such liability cannot lawfully be excluded.
    3. ClickCredit does not assume any responsibility for the content or operation of external websites that link to the Platform or which are linked from the Platform and does not accept any liability, whatsoever occurring and howsoever arising, and is hereby indemnified by the User, in respect of the content or operation of any such external websites.
    4. The transmission of information via the internet, including without limitation e-mail, mobile networks, wireless networks and cloud-based systems, is susceptible to monitoring and interception. The User bears all risk of transmitting information in this manner, except to the extent caused by ClickCredit’s proven gross negligence or wilful misconduct. Under no circumstances shall ClickCredit be liable for any loss, harm or damage suffered by the User as a result thereof. ClickCredit reserves the right to request independent verification of any information transmitted via e-mail or electronic communication and the User consent to such verification should ClickCredit deem it necessary.
    5. To the extent permissible by law, neither ClickCredit, its affiliates, shareholders, agents, consultants, contractors, service providers or employees shall be liable, and the User indemnifies ClickCredit, its affiliates, shareholders, agents, consultants, contractors, service providers or employees for any damages whatsoever, including without limitation any direct, indirect, special, incidental, consequential or punitive damages, howsoever arising, whether in an action arising out of contract, statute, delict or otherwise, related to the User’s use of the Platform, reliance upon information, reports, alerts, analytics or content contained on the Platform, inability to access or use the Platform or any functionality thereof, unavailability, interruption and/or malfunctioning of the Platform, inaccurate User data, connectivity failure, third-party system failure or as a direct or indirect result of the User’s failure to comply with any of these Terms. 
  14. CONSENTS, CREDIT CHECKS AND COMMUNICATIONS 
    1. The User consents to ClickCredit processing information regarding the User, application, identity, credit profile, bank account, bank statements, income, expenses, location, device, application behaviour, repayment behaviour, communications and use of the Platform for purposes of providing the Services, operating the Platform, verifying identity, assessing affordability, assessing risk, preventing fraud, conducting Credit Bureau checks, registering debit mandates, paying out Loans, processing repayments, support, troubleshooting, billing, security, service improvement, product development, collections and legal compliance.
    2. ClickCredit may collect technical information, including IP address, device identifiers, browser information, mobile operating system information, session information, geolocation where requested and consented to, usage logs and security data, in order to distinguish Users, secure the Platform, prevent fraud, improve the User experience and comply with Applicable Laws.
    3. The User authorises ClickCredit to request, receive, transmit and share information with Credit Bureaus, bank verification providers, bank statement providers, payment providers, biometric providers, SMS providers, WhatsApp providers, email providers, collections providers, legal advisers, regulators and other service providers where necessary for the Services, credit assessment, fraud prevention, debt recovery, legal compliance and account administration.
    4. If at any time the User would prefer to receive or stop receiving marketing materials from ClickCredit, this must be communicated to ClickCredit in writing or through any unsubscribe or preference-management mechanism made available by ClickCredit on the Platform. Service, security, repayment, application and collection messages may still be sent where permitted or required by Applicable Laws.
  15. COPYRIGHT
    1. All the copyright content appearing on the Platform belongs to ClickCredit or its licensors, unless otherwise stated. All rights are reserved.
    2. The Users hereby agree that they shall not, nor through a third party:
      1. copy, other than for backup, archival or disaster recovery purposes, reproduce, translate, adapt, vary, modify, lease, licence, sub-licence, encumber or in any other way deal with any part of the Platform for any reason and in any manner, unless it is consistent with the intent and purpose of these Terms or expressly permitted in writing by ClickCredit;
      2. decompile, disassemble or reverse engineer any portion of the Platform;
      3. write and/or develop any derivative of the Platform or any other software program based on the Platform;
      4. modify or enhance the Platform. In the event of the User effecting any modifications or enhancements to the Platform in breach of this clause 15.2.4, such modifications and enhancements shall be the property of ClickCredit; and
      5. post or transmit, by means of reviews, comments, suggestions, ideas, questions, support requests, uploads or other information through the Platform, any content which is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, profane or hateful or racially, ethnically or otherwise objectionable content of any kind.
    3. The User may print or download any material or information on the Platform and retain a copy for personal recordkeeping only, including copies of terms, quotations, agreements, statements and notices made available to the User.
    4. Copyright in some materials available on the Platform may belong to third parties and such materials have been produced on the Platform with the permission of the third-party copyright owners. Unless otherwise specified, the Users may not copy or distribute or otherwise make available or communicate to the public any part of third-party document or use them for any commercial purpose.
  16. INTELLECTUAL PROPERTY RIGHTS
    1. For the purpose of this clause 16, “Intellectual Property Rights” means all and any of the rights in and to Intellectual Property of any nature whatsoever owned and/or controlled directly or under licence by ClickCredit, now or in the future, including without limitation, ClickCredit’s rights, title and interest in and to all technology, source codes, object codes, trade secrets, logos, systems, methods, trademarks, trade names, styles, insignia, designs, patents, copyright, dashboards, workflows, software architecture, algorithms, data models, database structures, documentation, reports, templates, analytics, interfaces, configurations, know-how and all similar proprietary rights which may subsist in any part of the world, whether registered or not.
    2. All Intellectual Property Rights in all content, trademarks, software, data, material, including logos, databases, text, graphics, icons, hyperlinks, confidential information, designs, agreements, multimedia works, dashboards, workflows, reports, analytics and documentation, published on or via the Platform (“Proprietary Material”), are the property of, or are licensed to, ClickCredit and as such are protected from infringement by local and international legislation and treaties.
    3. All rights not expressly granted are reserved and no right, title or interest in any Proprietary Material or information contained in the Platform is granted to the Users, other than the limited right to access and use the Platform in accordance with these Terms, the Services and any applicable Credit Agreement.
    4. The Users must not use the Platform, Proprietary Material, reports, dashboards, analytics or any ClickCredit Intellectual Property to develop, train, benchmark, improve or commercialise a competing product or service without ClickCredit’s prior written consent.
  17. PRIVACY AND PERSONAL INFORMATION 
    1. ClickCredit will process, to the extent applicable, personal information in accordance with POPIA and any other applicable privacy laws and the User, by accessing or using the Platform, gives ClickCredit express consent to do so.
    2. The Platform may process personal information such as names, South African ID number, phone number, email address, password or authentication information, marital status, residential address, postal code, province, residential status, employment status, employer name, industry, pay day, salary frequency, income, expenses, bank name, account number, account type, bank statements, transaction data, selfie, biometric verification result, geolocation, IP address, device identifiers, technical data, support records, communication records, Credit Bureau data, application outcomes, repayment data and collections information.
    3. The User warrants that any personal information provided to ClickCredit is accurate and relates to the User and that the User will not provide another person’s personal information or banking information without lawful authority.
    4. ClickCredit may use service providers, hosting providers, technical providers, verification providers, payment providers, Credit Bureaus, subcontractors, collection providers and professional advisers to process personal information where necessary for the Platform and Services, subject to appropriate safeguards.
    5. The User may contact ClickCredit using the contact details published on the Platform for privacy-related queries, access requests, correction requests, objections or complaints.
  18. BREACH 
    1. ClickCredit is entitled without notice, in addition to any other remedy available at law or under these Terms, to cancel or suspend access, limit or deny use of the Platform and/or Services, decline or stop an application, apply a block, require manual review, claim specific performance or claim damages, should the User breach these Terms, use the Platform in an unauthorised manner, provide false information, fail verification, attempt fraud, misuse another person’s information or infringe any statute, regulation, ordinance or law.
    2. Breach of these Terms entitles ClickCredit to take legal action without prior notice to the User and the User agrees to reimburse the reasonable costs associated with such legal action to ClickCredit to the extent permitted by law.
  19. COMPLIANCE WITH LAWS
    1. By accessing or using the Platform, the User warrants that the User complies with all Applicable Laws pertaining to the User’s access to and use of the Platform and Services.
    2. The User acknowledges that credit may not be granted where prohibited by Applicable Laws, including where the User is subject to debt review/debt counselling, administration order, sequestration, certain court judgments, deceased status or other legal restrictions identified through verification or Credit Bureau checks.
  20. GOVERNING LAW

    Subject to a Credit Agreement, use of the Platform and the legal notices contained on the Platform shall be governed by and interpreted in accordance with the law of the RSA and the User consents to the exclusive jurisdiction of the courts of the RSA.

  21. AMENDMENTS OF TERMS AND CONDITIONS

    ClickCredit reserves the right, in its sole discretion to amend and/or replace any of, or the whole of these Terms from time to time without prior notification to the User. Such amendments shall supersede and replace all previous Terms and shall be made available on the Platform. Each time the User accesses the Platform, the User shall be deemed to have consented, by such access, to the Terms, as amended and/or replaced by ClickCredit from time to time. If the User is not satisfied with such amended Terms, the User should refrain from using the Platform.

  22. GENERAL
    1. The User shall not be entitled to cede the User’s rights, assign the User’s rights or delegate the User’s obligations in terms of these Terms to any third party without the prior written consent of ClickCredit.
    2. The User shall not have any claim or right of action arising from any undertaking, representation or warranty not included in these Terms.
    3. No failure by ClickCredit to enforce any provision of these Terms shall constitute a waiver of such provision or affect in any way ClickCredit’s right to require performance of any such provision at any time in the future, nor shall the waiver of any subsequent breach nullify the effectiveness of the provision itself.
    4. It is agreed that each clause and sub-clause of these Terms is severable, the one from the other, and if any clause or sub-clause is found to be defective or unenforceable for any reason by any competent court, then the remaining clauses and sub-clauses shall continue to be of full force and effect.
  23. INTERPRETATION
    1. In these Terms, unless the context requires otherwise:
      1. words importing any one gender shall include the other gender;
      2. the singular shall include the plural and vice versa; and
      3. a reference to natural persons shall include created entities (corporate or unincorporated) and vice versa.
    2. In this Terms, the headings have been inserted for convenience only and shall not be used to assist or affect its interpretation.
    3. Any reference in this Terms to an enactment is to that enactment as amended or re-enacted from time to time.
    4. Words and/or expressions defined in any clause in the body of these Terms shall, unless the application of such words and/or expressions is specifically limited to that clause, bear the meaning so assigned to it throughout these Terms. 
    5. The contra proferentem rule shall not apply and accordingly, none of the provisions hereof shall be construed against or interpreted to the disadvantage of ClickCredit.
    6. The eiusdem generis rule shall not apply and accordingly, whenever a provision is followed by the word “including” followed by specific examples, such examples shall not be construed to limit the ambit of the provision concerned.
    7. A reference to any statutory body or court shall be construed as a reference to that statutory body or court as substituted from time to time thereafter by successor statutory bodies or courts, as the case may be.