Legal
Your rights and our responsibilities. Please read these carefully before using our services.
Last Updated: April 2026
1. Introduction
TJ Vanwanati (Pty) Ltd ("we", "our", or "us"), registration number 2023/003593/07 and NCR registration NCRCP17092, is committed to protecting the privacy and personal information of our clients and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
2. Information We Collect
We may collect personal information that you voluntarily provide to us when you:
- Complete an application form on our website
- Subscribe to our newsletter or communications
- Contact us via phone, email, or the contact form
- Engage with our financial products and services
The personal information we collect may include your full name, email address, phone number, physical address, identity number, employment details, and financial information required for credit assessments.
3. How We Use Your Information
We use the information we collect to:
- Process your credit applications and provide financial services
- Conduct affordability assessments as required by the National Credit Act
- Communicate with you regarding your applications and accounts
- Comply with legal and regulatory obligations
- Improve our website functionality and user experience
- Protect against fraudulent or unauthorized activity
4. Protection of Personal Information (POPIA)
We comply with the Protection of Personal Information Act (POPIA) of South Africa. Your personal information is processed lawfully and in a reasonable manner that does not infringe on your privacy. We implement appropriate technical and organizational measures to protect your personal information against unauthorized or unlawful processing, accidental loss, destruction, or damage.
5. Sharing of Information
We may share your personal information with:
- Credit bureaus for the purpose of credit assessments and reporting
- The National Credit Regulator as required by law
- Third-party service providers who assist us in operating our business
- Legal authorities when required by law or court order
We will never sell your personal information to third parties for marketing purposes.
6. Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws and regulations. Financial records are retained for a minimum of five years as required by the National Credit Act.
7. Your Rights
Under POPIA, you have the right to:
- Request access to your personal information
- Request correction or deletion of your personal information
- Object to the processing of your personal information
- Lodge a complaint with the Information Regulator
- Withdraw your consent for processing at any time
8. Contact Us
For any privacy-related queries or requests, please contact us at:
TJ Vanwanati (Pty) Ltd
Email: tlangelani@tjvanwanati.co.za
Phone: 079 385 3098 | 010 880 1263
Address: 81TH Street Halfway Gardens, Urban Ridge West, Midrand
Last Updated: April 2026
1. Acceptance of Terms
By accessing and using the TJ Vanwanati website and services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services. TJ Vanwanati (Pty) Ltd, registration number 2023/003593/07, reserves the right to modify these terms at any time.
2. Services Overview
TJ Vanwanati is a registered credit provider (NCRCP17092) offering micro-finance and credit services in compliance with the National Credit Act No. 34 of 2005. Our services include personal loans, debt review assistance, clearance certificates, and financial planning consultations. All services are subject to approval and affordability assessments.
3. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Be a South African citizen or permanent resident
- Possess a valid South African identity document
- Have a verifiable source of income
- Provide accurate and truthful information in all applications
4. Credit Applications
All credit applications are subject to a thorough affordability assessment as mandated by the National Credit Act. Submitting an application does not guarantee approval. We reserve the right to decline any application based on our lending criteria. Interest rates and repayment terms will be clearly communicated before you enter into any credit agreement.
5. User Responsibilities
As a user of our services, you agree to:
- Provide accurate, current, and complete information
- Notify us promptly of any changes to your personal or financial circumstances
- Not use our website for any unlawful or fraudulent purpose
- Not attempt to interfere with the functionality of our website
- Meet all repayment obligations as agreed in your credit contract
6. Intellectual Property
All content on this website, including text, graphics, logos, and images, is the property of TJ Vanwanati (Pty) Ltd and is protected by South African intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without prior written consent.
7. Limitation of Liability
TJ Vanwanati shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of our website or services. While we strive to provide accurate and up-to-date information, we do not guarantee the completeness or accuracy of any content on this website. Financial decisions should be made in consultation with a qualified adviser.
8. Dispute Resolution
Any disputes arising from the use of our services shall first be addressed through direct negotiation. If a resolution cannot be reached, disputes may be referred to the National Credit Regulator or resolved through arbitration in accordance with South African law. These terms are governed by the laws of the Republic of South Africa.
9. Contact Information
For questions regarding these Terms of Service, please contact us:
TJ Vanwanati (Pty) Ltd
Email: tlangelani@tjvanwanati.co.za
Phone: 079 385 3098 | 010 880 1263
Address: 81TH Street Halfway Gardens, Urban Ridge West, Midrand
NCR Registration: NCRCP17092