Legal
Disclaimer
Last updated: March 2025. Please read this disclaimer carefully before using the Credit Registry SA platform. By accessing or using our services, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer.
Important Notice
Credit Registry SA is an independent credit intelligence and monitoring platform and is not a registered credit bureau or government authority. Our services are informational and monitoring tools only and do not constitute financial, legal, or credit advice.
Platform Status
Credit Registry SA is an independent credit intelligence and monitoring platform. We are not a registered credit bureau under the National Credit Act 34 of 2005. We are not affiliated with, authorised by, or operating under the supervision of the National Credit Regulator (NCR), any registered credit bureau (including but not limited to TransUnion, Experian, Compuscan, or XDS), or any department or entity of the South African government.
No Financial or Legal Advice
Nothing on this platform constitutes financial advice, legal advice, or credit advice. All information provided — including intelligence briefings, monitoring summaries, the CR Discipline Index, and any automated recommendations — is for informational and educational purposes only. You should not rely on any content from this platform as the sole basis for any financial or legal decision. Consult a qualified financial adviser or attorney for personalised guidance.
No Guarantee of Credit Score Improvement
Credit Registry SA does not guarantee any improvement in your credit bureau score. Our services may assist you in understanding your credit profile and making informed decisions, but we make no representation that use of our platform will result in any change to your credit score, your creditworthiness assessment by any lender, or your eligibility for any credit product.
No Guarantee of Credit Approval
Credit approval decisions are made exclusively by credit providers in accordance with their own criteria, the NCA, and bureau data. Credit Registry SA has no influence over the credit approval decisions of any lender or credit provider. No listing, recommendation, or referral through our platform constitutes a pre-approval, guarantee, or assurance of credit approval.
CR Discipline Index
The CR Discipline Index is an internal proprietary behavioural indicator developed exclusively by Credit Registry SA. It does not represent a credit bureau score. It is not shared with lenders. It is not regulated by the NCR or any statutory body. Changes in the CR Discipline Index have no direct effect on any external credit bureau score or any credit assessment conducted by a third party. The Index is provided as a private, self-monitoring tool only.
Monthly Intelligence Brief
The Monthly Intelligence Brief is produced using AI-assisted drafting and human moderation. While we endeavour to ensure accuracy and appropriate tone, intelligence briefs are informational summaries only. They do not constitute financial advice, legal advice, or certified credit analysis. We do not warrant the completeness or accuracy of all information within the briefings.
Marketplace Partners
Financial service providers listed in the Credit Registry SA marketplace have completed our internal compliance review process. Such listing does not constitute: an endorsement or recommendation of any product; a guarantee of product suitability for your circumstances; a warranty as to regulatory compliance at any given time beyond the point of initial review; or any representation by Credit Registry SA regarding the outcome of engaging with any listed provider. You engage with marketplace partners entirely at your own discretion and risk.
Third-Party Data
Some information provided through our platform is sourced from third-party credit bureaus and data providers. We do not control the accuracy, completeness, or timeliness of third-party data. If you believe any credit bureau data is inaccurate, you have the right to dispute it directly with the relevant bureau.
Limitation of Liability
To the maximum extent permitted by applicable South African law, Credit Registry SA, its directors, employees, contractors, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this platform or any of its services — including reliance on any information provided through the platform.
POPIA Compliance
We are committed to processing your personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA). For full details of how your data is managed, refer to our Privacy Policy.