Terms of Service

1. Platform Description and Status

Credit Registry SA is an independent credit intelligence and monitoring platform. We are not a registered credit bureau under the National Credit Act (NCA), nor are we affiliated with, authorised by, or operating under the supervision of the National Credit Regulator (NCR), any registered credit bureau, or any government authority.

Our services are designed to assist South African consumers with credit monitoring, structured intelligence, and financial awareness tools. Nothing on this platform constitutes legal, financial, or credit advice.

2. Eligibility

To register as a member, you must be: a South African resident aged 18 years or older; legally capable of entering into binding agreements; in possession of a valid South African ID number; and in compliance with all applicable laws.

By registering, you confirm that the information you provide is accurate, complete, and current. Providing false information constitutes a material breach of these Terms.

3. Membership Plans and Billing

We offer three membership tiers: a Free Annual plan, a Standard Plan (R139/month), and an Elite Plan (R249/month). Pricing is as displayed on the Membership page at the time of registration and is subject to change with 30 days' notice.

Monthly plans are billed on a recurring basis via PayFast. Your subscription renews automatically unless cancelled before the next billing date. There are no cancellation penalties. Cancellation takes effect at the end of the current billing period.

Refunds are not provided for partial months unless required by applicable law. If a billing error occurs, contact us within 30 days for review.

4. Services Provided

Credit Registry SA provides the following services (subject to your membership plan): credit position monitoring; alert notifications for significant credit profile changes; Monthly Intelligence Briefs; the CR Discipline Index (an internal behavioural indicator); access to the member marketplace; and the referral programme.

Service availability may be subject to third-party data provider availability, technical maintenance, or other operational factors. We do not guarantee uninterrupted access to all features at all times.

5. CR Discipline Index

The CR Discipline Index is an internal proprietary behavioural scoring tool developed and maintained by Credit Registry SA. It scores members on a scale of 0–100 across defined behavioural categories.

The CR Discipline Index is: not a credit bureau score; not shared with lenders, credit providers, or third parties; not regulated by the NCR; and not a measure of creditworthiness under the NCA.

It is a private, internal monitoring tool intended for member self-awareness only. We make no representations that any change in the CR Discipline Index will result in any change to any credit bureau score or financial outcome.

6. Disclaimers and Limitations of Liability

Credit Registry SA does not guarantee: improvement in your credit bureau score; approval of any credit application; any specific financial outcome as a result of using our platform; accuracy of third-party data sourced from credit bureaus or other providers.

To the maximum extent permitted by law, Credit Registry SA and its directors, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the platform.

Our total liability to you for any claim arising from use of the platform shall not exceed the total membership fees paid by you in the three months preceding the claim.

7. Marketplace and Partners

The Credit Registry SA marketplace lists third-party financial service providers who have completed our compliance review process. Marketplace listings do not constitute: endorsements of any product or service; guarantees of product approval; recommendations to enter into any financial agreement; or legal or financial advice.

You engage with marketplace partners entirely at your own discretion and risk. Credit Registry SA is not party to any agreement between you and a marketplace partner and accepts no liability for any outcome of such engagement.

8. Referral Programme

Members may participate in the referral programme by sharing their unique referral link. Rewards (account credit or complimentary membership month) are issued only upon verified paid activation of a referred membership.

The referral programme is a single-tier structure. There is no multi-level, pyramid, or chain-referral element. Rewards are subject to programme terms, which may be amended at our discretion with 30 days' notice.

9. Intellectual Property

All content, materials, tools, indices, and branding on the Credit Registry SA platform are the intellectual property of Credit Registry SA. You may not reproduce, distribute, modify, or commercialise any content without prior written consent.

10. Termination

We reserve the right to suspend or terminate your membership without notice if you: provide false information; engage in fraudulent or abusive behaviour; breach these Terms in any material way; or engage in conduct that may harm the platform, its members, or its reputation.

You may terminate your membership at any time by cancelling your subscription through the dashboard.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of South Africa. Any dispute arising from or relating to these Terms shall be subject to the jurisdiction of the South African courts.

12. Amendments

We reserve the right to amend these Terms at any time. Material changes will be communicated to registered members with at least 30 days' notice via email. Continued use of the platform after the effective date of amendments constitutes acceptance.

13. Contact

For any queries relating to these Terms, contact us at: legal@creditregistrysa.co.za. Correspondence should include your full name, ID number, and the nature of your enquiry.