Terms and Conditions

Effective date: 12 May 2026

These terms govern access to and use of Persal digital services. By using this website or applying for a loan, you confirm that you accept these terms.

Use of the Platform

• You must provide accurate and complete information.
• You are responsible for keeping account credentials confidential.
• You may not use the platform for unlawful, fraudulent, or abusive activity.

Credit Applications and Agreements

All lending is subject to eligibility checks, affordability assessment, and verification. Any approved loan is governed by the specific pre-agreement statement, quotation, and signed agreement presented to you at the time of approval.

Fees, Interest, and Repayments

Applicable fees, interest, and total repayment obligations are disclosed before acceptance. Repayment obligations remain enforceable in accordance with your loan agreement and applicable law.

Intellectual Property

Website content, branding, and software components are protected by intellectual-property laws. No content may be reproduced or distributed without permission, except where legally permitted.

Limitation and Changes

Persal may update services and these terms from time to time. Updated terms are effective upon publication unless a later date is stated.

Contact

For questions regarding these terms, email support@persal.co.za.