Terms of Service

Agreement to Terms

Welcome to Backyard Finance. By accessing and using our website (www.backyardfinance.co.za) and services, you agree to be bound by these Terms of Service. Your use of the Backyard Finance website constitutes your agreement to all such terms, conditions, and notices without modification.

If you do not agree to these terms, please do not use our website or services.

Modification of Terms

Backyard Finance reserves the right to change the terms, conditions, and notices under which the Backyard Finance website is offered, including but not limited to the charges associated with the use of Backyard Finance website. You are responsible for regularly reviewing these terms. Continued use of the website following the posting of changes constitutes your acceptance of those changes.

Information and Calculator Disclaimers

All rates and fees in the calculations generated by the calculators on this website should be regarded as a guideline only. The results of the calculators or your submission of an application for a loan via the website do not represent a guarantee that we will grant you a loan.

You may not rely on any statement or information provided on this website without first obtaining written confirmation from Backyard Finance. Any application for a loan is subject to a credit and reference check being conducted by Backyard Finance.

For clarification or confirmation of any information on this website, please contact us at info@backyardfinance.co.za

Links to Third-Party Websites

The Backyard Finance website may contain links to third-party websites that are not owned or controlled by Backyard Finance. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. Links are provided for your convenience only and do not constitute an endorsement by Backyard Finance of the content or services provided by such websites.

Prohibited Uses

You agree to use the Backyard Finance website only for lawful purposes. You are prohibited from:

• Using the website in any way that could damage, disable, overburden, or impair the Backyard Finance website
• Obtaining or attempting to obtain any materials or information through any means not intentionally made available through the website
• Interfering with any other party's use and enjoyment of the website
• Using the website for any unlawful purpose or in violation of these Terms of Service

Communication Services Restrictions

When using communication features on our website (including but not limited to contact forms, chat features, or messaging services), you agree not to:

• Defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights of others
• Publish, post, upload, distribute, or disseminate any inappropriate, profane, defamatory, obscene, indecent, or unlawful content
• Upload files that contain viruses, corrupted files, or any other similar software that may damage the operation of another's computer
• Advertise or offer to sell or buy any goods or services for any commercial purpose unless such communication service specifically allows such messages
• Conduct or forward surveys, contests, pyramid schemes, or chain letters
• Falsify or delete any author attributions, legal notices, or proprietary designations
• Harvest or otherwise collect information about others without their consent

Backyard Finance reserves the right to terminate your access to any or all communication services at any time without notice for any reason. Backyard Finance may also disclose any information as necessary to satisfy any applicable law, regulation, legal process, or governmental request.

User-Submitted Content

Backyard Finance does not claim ownership of the materials you provide to Backyard Finance (including feedback and suggestions) or post, upload, input, or submit to any Backyard Finance website or our associated services.

However, by posting, uploading, inputting, providing, or submitting your content, you grant Backyard Finance and its affiliated companies permission to use your submission in connection with the operation of their businesses including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your submission. No compensation will be paid with respect to the use of your submission.

Disclaimer of Warranties and Limitation of Liability

Backyard Finance and/or its suppliers make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services, and related graphics contained on the Backyard Finance website for any purpose. All such information, software, products, services, and related graphics are provided "as is" without warranty of any kind.

Backyard Finance and/or its suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services, and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title, and non-infringement.

In no event shall Backyard Finance and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages, or any damages whatsoever including, without limitation, damages for loss of use, data, or profits, arising out of or in any way connected with the use or performance of the Backyard Finance website, with the delay or inability to use the website or related services, or for any information, software, products, services, and related graphics obtained through the website, or otherwise arising out of the use of the website, whether based on contract, tort, negligence, strict liability, or otherwise.

Termination

Backyard Finance reserves the right, in its sole discretion, to terminate your access to the Backyard Finance website and the related services or any portion thereof at any time, without notice. These Terms of Service supersede all previous representations, understandings, or agreements and shall prevail notwithstanding any variance with any other terms. This agreement constitutes the entire agreement between the parties regarding the use of the Backyard Finance website.

Privacy and Data Protection

By using the Backyard Finance website, you authorize Backyard Finance to collect and process your personal data in accordance with our Privacy Policy and the Protection of Personal Information Act (POPIA) 2013.

Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

National Credit Act Compliance

All credit products and services offered by Backyard Finance are subject to the National Credit Act 34 of 2005 and its regulations. By applying for credit through our website, you acknowledge and agree to comply with all requirements of the National Credit Act, including but not limited to affordability assessments and credit bureau checks.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the South African courts.

Contact Us

If you have any questions about these Terms of Service, please contact us: