Vema 24 Website Terms of Use

Welcome

Welcome to the official website of Vema 24, operated by Vema Investment (Pty) Ltd (Registration No: 2019/323769/07), a Registered Credit Provider (NCRCP14391).

Agreement

By accessing or using www.vema24.co.za ("this website"), you acknowledge that you have read, understood, and agreed to these Terms of Use together with our Privacy Policy. If you do not agree, please discontinue use of this website immediately.

1. Website Use

This website is provided for personal and non-commercial use only. All services, content, and tools are provided on an "as is" and "as available" basis. While every effort is made to ensure accuracy, Vema 24 does not warrant that the website will always be error-free, uninterrupted, secure, or suitable for every purpose.

2. Information & Advice

The content on this website is of a general nature and does not constitute financial, legal, or professional advice. Users are encouraged to obtain independent professional advice before making decisions.

3. Services & Applications

Any services advertised (including credit, savings, or funeral benefits) are invitations to apply and not guarantees of approval. All applications are subject to credit assessments, affordability checks, and compliance with applicable laws. The decision to approve or reject an application remains at the sole discretion of Vema 24.

4. User Warranties

By using this website, you confirm that you are legally authorised to access and use it; will not use it for unlawful, fraudulent, or prohibited purposes; and that all information you provide is true, accurate, and complete. You indemnify Vema 24 against any loss, damage, or liability caused by a breach of these warranties.

5. Limitation of Liability

You use this website at your own risk. Vema 24 will not be held liable for any direct, indirect, or consequential losses arising from errors, delays, inaccuracies, system failures, viruses, reliance on calculators, or unauthorised use of personal information.

6. Privacy & Personal Information

By using this website, you consent to Vema 24 collecting, processing, and storing your personal information in line with the Protection of Personal Information Act (POPIA). See our Privacy Policy for more details.

7. Intellectual Property

All content, logos, data, and designs on this website are the property of Vema 24 (or licensed third parties). You may view, download, or print material for personal use only. No content may be copied, reproduced, or distributed for commercial purposes without prior written consent.

8. Links to Third-Party Websites

This website may contain links to external sites. Vema 24 does not control, endorse, or accept responsibility for third-party websites or their content. Visiting such sites is at your own risk.

9. Security & Access

If provided with login details, you are responsible for keeping them confidential. Notify Vema 24 immediately if you suspect unauthorised use. Vema 24 may suspend or terminate access at any time.

10. Amendments

Vema 24 may update or amend these Terms of Use at any time. The most recent version will always apply and be published on this website.

11. Governing Law

These Terms of Use are governed by the laws of the Republic of South Africa. Any disputes shall be resolved under the jurisdiction of South African courts.

12. Contact Us