Terms of Use
Last updated: December 2025
Welcome to Kusanda Capital’s website. By accessing or using this website and its related services, you agree to be bound by the following Terms of Use.
If you do not agree with these terms, please do not continue to use this website.
1. Introduction
Kusanda Capital (Pty) Ltd (“we,” “us,” or “our”) is a registered credit provider in terms of Section 40 of the National Credit Act (Act No. 34 of 2005, as amended).
Our website provides information about our financial products — including Skool Pay and General Pay — and allows users to apply for credit online.
These Terms of Use govern your access to and use of our website, online forms, and all related services provided through www.kusandacapital.co.za.
2. Eligibility
To use this website or apply for any Kusanda Capital product, you must:
Be 18 years or older;
Be a South African citizen or permanent resident; and
Provide accurate, complete and truthful information when requested.
Submitting false or misleading information may result in disqualification or legal action.
3. Use of the Website
You agree to use this website only for lawful purposes and in a manner that does not:
Infringe upon the rights of others;
Restrict or inhibit others’ use of the website;
Introduce viruses, malware or malicious code; or
Interfere with or damage the website’s operation.
We reserve the right to suspend or terminate access for any user who violates these terms or misuses our online application system.
4. Loan Applications
Submitting a loan application through this website does not guarantee approval.
All applications are subject to:
Affordability and credit assessments, as required under the National Credit Act;
Verification of personal and employment details; and
Availability of funds and internal approval processes.
Kusanda Capital reserves the right to approve, decline or modify the loan offer at its sole discretion.
5. Information Accuracy
While we make every effort to ensure that information on this website is accurate and up to date, Kusanda Capital makes no warranties or representations regarding completeness or reliability.
We may change product details, rates or eligibility criteria at any time without prior notice.
Users are encouraged to confirm details directly with our team before making financial decisions based on the information provided here.
6. Fees, Interest and Charges
All Kusanda Capital products comply with the National Credit Act (NCA) and NCR regulations.
Interest rates, initiation fees and service charges will always be disclosed in your loan agreement before acceptance.
There are no hidden fees — transparency is central to our Fair Finance promise.
7. Intellectual Property
All content on this website, including logos, designs, text, graphics, and software, is the property of Kusanda Capital or its licensors.
You may not reproduce, copy, modify or distribute any part of the site without our written consent.
8. Privacy and Data Protection
Your privacy is important to us.
All personal data collected through this website is handled in accordance with our Privacy Policy and the Protection of Personal Information Act (POPIA).
By using this site, you consent to our data practices as described in the Privacy Policy.
9. Limitation of Liability
Kusanda Capital shall not be held liable for:
Any loss, damage, or expense resulting from your use of or inability to use this website;
Delays, interruptions or technical failures; or
Errors or omissions in the information provided online.
Use of this website and any linked content is entirely at your own risk.
10. Links to Third-Party Websites
This website may contain links to external websites for your convenience.
Kusanda Capital is not responsible for the content, security or privacy practices of third-party sites and encourages users to review their policies before sharing information.
11. Amendments
We may revise these Terms of Use from time to time.
The latest version will always be available on our website, with the “last updated” date clearly indicated.
Continued use of the website constitutes acceptance of the revised terms.
12. Governing Law
These Terms of Use are governed by the laws of the Republic of South Africa.
Any disputes arising from these terms shall fall under the jurisdiction of South African courts.
13. Contact Us
For any questions about these Terms of Use or our services, please contact:
Kusanda Capital (Pty) Ltd
Registered Credit Provider – NCRCP22456
📧 info@kusandacapital.co.za
🌍 www.kusandacapital.co.za