Terms of Service

2. About Optimus Solutions

Optimus Solutions provides loan-related application and support services. Information submitted through the website may be reviewed as part of an application assessment process.

Submission of an application does not constitute an approval, offer of credit or guarantee that a loan or other financial product will be provided.

3. Applications

When submitting an application, you agree to provide information that is accurate, complete and current to the best of your knowledge.

You must not knowingly submit false, misleading, fraudulent or incomplete information.

Optimus Solutions may request additional information or supporting documentation where reasonably necessary to assess or verify an application.

5. Supporting Documents

Where supporting documents are requested, you agree to submit documents that belong to you or that you are legally authorised to provide.

Documents may be used for identity verification, application assessment, affordability assessment, compliance and other legitimate purposes connected with the requested service.

6. Application Assessment

All applications are subject to assessment and verification. Submitting an application does not guarantee approval.

An application may be declined where information cannot be verified, where eligibility requirements are not met, where documents are insufficient, or for other legitimate reasons.

7. Loan Terms & Agreements

Where an application is approved, the applicable loan amount, interest, fees, repayment period, repayment method and other contractual terms will be communicated through the relevant agreement or documentation.

Nothing on this website should be interpreted as replacing the terms of a formal agreement entered into between the relevant parties.

8. Debit Orders & Payment Administration

Where applicable, approved applicants may be required to complete formal payment or debit order documentation before repayments can be processed.

Consent given during the initial application process does not, by itself, constitute a formal debit order mandate unless the applicable mandate requirements have separately been completed.

10. Website Availability

We aim to keep the website available and functioning reliably. However, we cannot guarantee that the website will always be available, uninterrupted, error-free or free from security vulnerabilities.

Maintenance, technical failures, third-party services, network interruptions and circumstances outside our reasonable control may temporarily affect availability.

11. Third-Party Services

The website may rely on third-party technology and service providers for hosting, document storage, communications, analytics, payment-related functionality or other technical services.

Your use of third-party services may also be subject to the terms and policies of those providers.

12. Intellectual Property

Unless otherwise stated, the content, branding, graphics, designs, text, logos and other materials displayed on this website belong to or are used by Optimus Solutions with appropriate permission.

You may not reproduce, modify, distribute or commercially exploit website content without prior written permission, except where permitted by applicable law.

13. Disclaimer

Information displayed on this website is provided for general informational and application purposes. Website content does not constitute a guarantee that any application will be approved or that any particular financial outcome will be achieved.

Applicants should carefully review all formal documentation provided to them before accepting any financial product or entering into an agreement.

14. Limitation of Liability

To the extent permitted by applicable law, Optimus Solutions will not be responsible for losses arising from circumstances beyond its reasonable control, including technical interruptions, communication failures, third-party service failures or unauthorised events.

Nothing in these terms is intended to exclude or limit any liability that cannot lawfully be excluded or limited under applicable law.

15. Changes to These Terms

We may update these Terms of Service from time to time. Updated terms will be published on this page and will include the date on which they were last updated.

16. Governing Law

These terms are intended to be governed by and interpreted in accordance with the laws of the Republic of South Africa, subject to any mandatory rights or protections provided by applicable law.