1 Definitions & Interpretation
In these Terms & Conditions, unless the context indicates otherwise:
"Agreement" means the credit agreement entered into between BluCross Capital and the Client, incorporating the pre-agreement statement, quotation, and these Terms & Conditions.
"Client" / "You" / "Your" means any natural person aged 18 or older who applies for or holds a loan with BluCross Capital.
"BluCross Capital" / "We" / "Us" means Blu Cross Capital (Pty) Ltd (trading as "BluCross Capital"), a registered credit provider under the NCA.
"Bilti Menutzach" / "Technology Partner" means Bilti Menutzach (Private) Limited, the registered software engineering firm, digital platform architect, and technical operator responsible for the software development, hosting, database architecture, cybersecurity, and maintenance of the BluCross Capital digital ecosystem (
biltimenutzach.com).
"Bilti Menutzach Ecosystem" means the unified digital network of applications, client portals, APIs, and software platforms developed, engineered, hosted, or operated by Bilti Menutzach (Private) Limited.
"Credit Agreement" has the meaning assigned to it in section 8 of the National Credit Act 34 of 2005.
"NCA" means the National Credit Act 34 of 2005, as amended from time to time.
"NCR" means the National Credit Regulator, established under section 12 of the NCA.
"FAIS Act" means the Financial Advisory and Intermediary Services Act 37 of 2002.
"FIC Act" means the Financial Intelligence Centre Act 38 of 2001, as amended by the FIC Amendment Act 1 of 2017.
"FICA" means the Financial Intelligence Centre Act compliance requirements, including KYC/CDD obligations.
"POPIA" means the Protection of Personal Information Act 4 of 2013.
"CPA" means the Consumer Protection Act 68 of 2008.
"Loan Amount" / "Principal Debt" means the amount of money approved and disbursed to the Client under a Credit Agreement.
"Repayment Date" means the agreed date on which a loan instalment or full repayment is due.
"Default" means the failure of the Client to make a payment when due, or any other breach of the Agreement.
"Business Day" means any day other than a Saturday, Sunday or South African public holiday.
"Client Portal" means the online account management system and mobile apps available at blucrosscapital.com.
"Services" means the credit products, financial advisory services, digital applications, and platforms provided by BluCross Capital and powered by Bilti Menutzach (Private) Limited.
References to legislation include all amendments, replacements, and subordinate legislation made thereunder. The singular includes the plural and vice versa. Headings are for reference only and do not affect interpretation.
2 About BluCross Capital
Company Details
Registered Name: Blu Cross Capital (Pty) Ltd
Trading Name: BluCross Capital
Entity Type: Private Company (Pty) Ltd
Country: South Africa
Website: blucrosscapital.com
Email: info@blucrosscapital.com
Tel: 067 474 2000 / 087 093 1294
Regulatory Registrations
FIC: Accountable Institution — PCC 25 · Item 12
POPIA: Information Officer appointed — Act 4 of 2013
Technology Partner & Platform Architect
Technical Scope: Core systems engineering, digital lending architecture, database administration, server infrastructure, cybersecurity monitoring, and multi-platform app development (acting as primary Operator under section 20 of POPIA).
Blu Cross Capital (Pty) Ltd (trading as BluCross Capital) is a registered credit provider operating under the supervision of the National Credit Regulator (NCR). We provide responsible, transparent, and affordable short-term credit products exclusively to South African residents in partnership with Bilti Menutzach as our core technology provider. We are committed to the principles of responsible lending as set out in the NCA, fair consumer treatment under the CPA, and rigorous data protection under POPIA.
3 Eligibility Requirements
To qualify for a loan with BluCross Capital, you must meet all of the following requirements at the time of application:
Personal Requirements
- Be a natural person (not a company or trust)
- Be 18 years of age or older
- Be a South African citizen or permanent resident
- Hold a valid South African Identity Document or valid passport
- Not be under debt review, administration, or sequestration
Financial Requirements
- Have a regular verifiable income (salary, pension, grant)
- Hold an active South African bank account
- Provide a bank statement not older than 3 days at the time of application
- Pass our affordability assessment (NCA s.81)
- Not have exceeded the prescribed credit limit under the NCA
Meeting the eligibility criteria does not guarantee loan approval. All applications are subject to our internal credit assessment, affordability evaluation, and FICA verification. We reserve the right to decline any application without being required to provide reasons, subject to the NCA.
4 Application Process
You may apply for a loan through the following channels:
In Branch
Any of our offices
Required Documents:
- Valid South African ID document or valid passport
- Latest bank statement (not older than 3 days) in PDF format
- Proof of income (payslip, grant confirmation letter)
- Proof of residential address (where required)
Application Stages:
1. Submit
Complete the application form and upload documents
→
2. Verify
Identity and FICA verification
→
3. Assess
Affordability and credit check
→
4. Decide
Approval or decline decision
→
5. Disburse
Funds transferred same day
Submitting an application does not constitute a loan approval. You will be notified of our decision. If approved, a pre-agreement statement and quotation will be provided as required by NCA section 92 before you are asked to sign any agreement.
5 National Credit Act (NCA) Compliance
BluCross Capital is registered with the National Credit Regulator (NCR) as a credit provider under the National Credit Act 34 of 2005. The NCA governs all our credit agreements and affords you the following statutory protections:
Affordability Assessment (s.81)
We are legally required to conduct a thorough affordability assessment before approving any loan. This includes assessing your income, existing debt obligations, and living expenses to ensure you can afford the repayments without undue hardship. We will not extend credit if we reasonably believe you cannot afford it.
Pre-Agreement Statement (s.92)
Before you sign any credit agreement, we will provide you with a Pre-Agreement Statement and Quotation in the prescribed format detailing all costs, fees, interest rates, repayment amounts, and your total cost of credit. You are entitled to keep a copy.
Credit Agreement Copy (s.93)
You are entitled to receive a copy of your signed credit agreement. A copy will be available through your client portal and may be provided in physical form upon request at any of our branch offices.
Credit Bureau Reporting (s.70)
As required by the NCA, we report your payment behaviour (positive and negative) to registered credit bureaux. This information may appear on your credit profile and affect your ability to obtain credit from other institutions.
Debt Review (s.86)
If you are over-indebted, you have the right to apply to a debt counsellor for debt review under section 86 of the NCA. We will cooperate with creditor applications and court orders under the debt review process.
Reckless Lending Prevention (s.80)
We are prohibited from entering into a reckless credit agreement. If we failed to conduct a proper affordability assessment and you can demonstrate the credit was reckless, you may apply to a court or the NCT to have the agreement set aside.
For information about your rights under the NCA, contact the
National Credit Regulator:
www.ncr.org.za | 0860 627 627 | Or lodge a complaint with the
National Consumer Tribunal (NCT).
6 Loan Products & Amounts
BluCross Capital offers short-term consumer credit products as defined under the NCA. The following general parameters apply:
| Parameter | Details |
|---|
| Loan Type | Short-term consumer credit (personal loans) |
| Online Application Range | R500 – R8,000 (subject to approval and product configuration) |
| In-Branch Range | Subject to affordability assessment and available products |
| Loan Term | Short-term, as specified in the individual credit agreement |
| Repayment Structure | Lump sum or instalment, as agreed in the pre-agreement statement |
| Disbursement Method | Electronic funds transfer (EFT) to verified bank account |
| Currency | South African Rand (ZAR) |
Borrowing Limit & R500 On-Time Repayment Growth Policy
In strict adherence to the responsible lending provisions of the National Credit Act, every client is assigned a personalised maximum borrowing limit (typically starting at R1,000.00 for qualifying first-time applicants).
• R500 Automatic Limit Increase: Every time a client successfully settles an active loan in full on or before the due date without arrears, missed debit orders, or default, their credit limit automatically increases by R500.00 on their subsequent application (e.g., initial limit of R1,000.00 → R1,500.00 → R2,000.00, progressively advancing up to the statutory cap of R8,000.00).
• Multi-Month Loan Unlocking: Multi-month loan products have minimum principal thresholds (such as R1,500.00 for 2 months, R2,500.00 for 3 months, R3,500.00 for 4 months, etc.). Products whose minimum required amount exceeds a client's current credit limit remain locked and disabled in the client application until the client builds sufficient credit headroom through on-time loan repayments.
• Staff Discretion & Affordability Review: While digital client applications enforce current automated limits, BluCross Capital branch consultants and credit underwriters retain discretion to consider exceptional documented affordability changes (e.g. verified salary increases or lower verified debt commitments) to evaluate applications in full compliance with NCA regulations.
All amounts, terms and conditions are subject to change and will be confirmed in the Pre-Agreement Statement and Quotation provided before signing. BluCross Capital reserves the right to amend product offerings in accordance with applicable legislation.
7 Fees, Interest Rates & Repayment Calculations
All fees and interest rates charged by BluCross Capital are fully transparent, regulated, and compliant with the National Credit Act 34 of 2005 and NCR regulations. Our short-term credit calculations are structured as follows:
BLUCROSS CAPITAL STATUTORY PRICING & FEE SCHEDULE
REGULATED INTEREST RATE
Flat 30.00% of Principal Debt
Calculated as (Principal × 0.30) for all loan products
NORMAL INITIATION FEE
R51.75 + 4.55% of Principal Debt
Processed within 24 working hours (standard fee)
IMMEDIATE TRANSFER
Extra Charge Applied
Processed within 15 minutes from application time to bank account (not considering technical difficulties)
REPAYMENT STRUCTURE
1 Month (Single) vs 2–6 Months (Installments)
Multi-month term multiplier: 1.05^(M-1) applied to subtotal
1-Month Loan Repayment
For 1-month short-term loans, repayment consists of a single full payment transaction due in one month on your agreed salary pay day. There are no monthly installments. Total Repayable = Principal + Flat Interest (30%) + Initiation Fee.
2 to 6-Month Loans (Monthly Installments)
For multi-month loans (2 to 6 months), the subtotal is adjusted by the compounding term factor (1.05^(M-1)) and divided into equal monthly installments due on your salary pay day each consecutive month.
| Charge Type | Details | NCA Reference |
|---|
| Late Payment Fee | May apply per missed instalment as disclosed in credit agreement | NCA s.101(g) |
| Default Administration Charges | Applied upon default to cover administrative costs under statutory tariffs | NCA s.101 |
| Collection Costs | Statutory legal and debt collection fees permitted under the Debt Collectors Act and NCA | NCA s.101(h) |
| Interest on Arrears | Accrues on overdue amounts strictly in accordance with NCA section 103 | NCA s.103 |
All specific fees, interest rates, and the total cost of credit for your loan will be clearly disclosed in the Pre-Agreement Statement and Quotation provided to you before signing. We are prohibited under the NCA from charging fees in excess of prescribed maximums.
Estimate your loan repayments now: Use our interactive tool to calculate interest, initiation fees, and monthly installments across 1 to 6 months.
Open Loan Calculator ↗
8 FAIS Disclosure — Financial Services Provider
In terms of the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS Act), BluCross Capital discloses the following:
FSP Status
BluCross Capital is a licensed Financial Services Provider under the FAIS Act, authorised to provide advice and intermediary services in respect of financial products falling under Item 12 of the Categories of Financial Products.
Item 12 — Category
A person who carries on the business of a financial services provider requiring authorisation to provide advice or intermediary services in respect of the investment of any financial product (excluding non-life insurance, reinsurance, and medical scheme business).
PCC 25
We comply with Public Compliance Communication 25 (PCC 25) issued by the Financial Sector Conduct Authority (FSCA). This communication sets out requirements for accountable institutions under the FIC Act in the context of financial services providers.
Complaints — FSCA
If you are dissatisfied with any financial advice or intermediary services rendered, you may lodge a complaint with the
Financial Sector Conduct Authority (FSCA) or the
Ombud for Financial Services Providers (FAIS Ombud): 0860 662 837 |
faisombud.co.za
BluCross Capital's financial advice and services are general in nature. We recommend that you seek independent financial advice if you are uncertain about any financial product or commitment. Past performance of products does not guarantee future results.
9 FIC / FICA Compliance — Anti-Money Laundering
BluCross Capital is an Accountable Institution in terms of Schedule 1 of the Financial Intelligence Centre Act 38 of 2001 (FIC Act), as amended by the FIC Amendment Act 1 of 2017. We are subject to the supervision of the Financial Intelligence Centre (FIC) and are required to:
Customer Due Diligence (CDD) — Verify your identity before establishing a business relationship or entering into a transaction.
Enhanced Due Diligence (EDD) — Apply additional verification measures for higher-risk clients or transactions.
Suspicious Activity Reporting — Report suspicious transactions to the FIC as required by law.
Cash Transaction Reporting — Report cash transactions above R49,999 to the FIC.
Record-Keeping — Retain client and transaction records for a minimum of 5 years as prescribed.
Politically Exposed Persons (PEPs) — Apply enhanced scrutiny to PEPs and related parties in terms of s.21G of the FIC Act.
By applying for a loan, you consent to us conducting identity verification, screening against sanctions lists, and performing all required due diligence under FICA. Failure to provide required information may result in us being unable to process your application or maintain the business relationship.
10 Loan Agreement & Disbursement
- Upon approval, you will receive a formal offer in the form of a Pre-Agreement Statement and Quotation (Form 20). You must review this document carefully before accepting.
- The Credit Agreement comes into effect only once you have signed it (digitally or in person) and we have accepted it. Signing constitutes your full and informed consent.
- Funds are disbursed electronically to the bank account you provided and verified. We do not disburse funds in cash.
- You must ensure your bank account details are correct. We accept no liability for funds disbursed to an incorrectly provided account.
- Disbursement typically occurs on the same business day that the agreement is signed and verified, subject to banking cut-off times.
- All amounts drawn under the Credit Agreement are subject to the terms, conditions, fees and interest rates set out in the agreement.
11 Repayment Obligations
- You are required to repay the full amount outstanding (including principal, interest, and fees) on or before the Repayment Date specified in your credit agreement.
- Repayments are typically collected by debit order from your designated bank account. You authorise us to debit your account on the agreed repayment date.
- It is your responsibility to ensure sufficient funds are available in your account on the repayment date. A returned debit order may result in additional bank charges, late payment fees, and adverse credit bureau reporting.
- You may settle your loan early at any time. Early settlement may attract an early settlement fee as permitted by and capped under section 125 of the NCA.
- All repayments must be in South African Rand (ZAR). We do not accept payment in foreign currency.
- If you wish to make a manual payment or settle ahead of schedule, contact us at 067 474 2000 or help@blucrosscapital.com.
12 Default & Consequences
Please note: Failure to repay your loan on time can have serious financial and legal consequences. We strongly encourage you to contact us immediately if you are experiencing difficulty making repayments.
You will be in default if you:
- Fail to make any payment when due;
- Provide false or misleading information in your application;
- Fail to maintain your bank account in good standing;
- Become subject to debt review, sequestration, or administration; or
- Breach any material term of the Credit Agreement.
Consequences of Default:
| Action | Details |
|---|
| Default Notice | We will send a notice of default as required by NCA section 129, giving you 10–20 business days to remedy the default. |
| Credit Bureau Listing | Your default will be reported to registered credit bureaux, negatively affecting your credit score. |
| Additional Charges | Late payment fees and default administration charges as permitted by the NCA may apply. |
| Debt Collection | Your account may be handed to a registered debt collector or attorney for legal collection. |
| Legal Action | We may institute legal proceedings to recover the outstanding amount, potentially resulting in a court judgment against you. |
If you are struggling to repay, please contact us urgently. We will consider reasonable payment arrangements in accordance with the NCA. You also have the right to apply for debt review through a registered debt counsellor under NCA section 86.
13 Right of Cancellation (NCA Section 121)
In terms of section 121 of the National Credit Act, you have the right to cancel a credit agreement within a cooling-off period under certain conditions:
Cooling-off period: You may cancel a credit agreement without penalty by giving written notice within 5 business days of the date the agreement was signed, provided you return the full amount of credit received (or goods purchased) within that period.
- The right of cancellation applies to certain categories of credit agreements as specified in the NCA.
- To cancel, you must notify us in writing at info@blucrosscapital.com and simultaneously return or repay the full amount disbursed.
- If the loan has already been disbursed to your bank account, you must repay the principal amount in full within the 5-business-day period.
- Cancellation after the cooling-off period constitutes early settlement under section 125 of the NCA and may attract the prescribed early termination fee.
14 Client Responsibilities & Conduct
By using our services, you undertake to:
Provide accurate, truthful, and complete information at all times.
Notify us immediately of any changes to your contact or banking details.
Maintain sufficient funds in your bank account on repayment dates.
Contact us proactively if you anticipate difficulty making repayments.
Not apply for credit if you are knowingly unable to afford repayments.
Use our services only for lawful purposes.
Not attempt to defraud us or any third party through our platform.
Cooperate fully with FICA/POPIA information requests and verification processes.
Fraud Warning: Providing false documents, submitting fraudulent bank statements, or impersonating another person constitutes fraud and may result in immediate termination of the agreement, blacklisting, referral to the South African Police Service (SAPS), and prosecution under applicable criminal law.
15 Technology Partner, Software Development, Bilti Menutzach Ecosystem & Data Deletion
BluCross Capital's digital lending platform, client portal, mobile applications, and backend infrastructure are engineered, developed, hosted, and maintained by our official technology partner, Bilti Menutzach (Private) Limited ("Bilti Menutzach", biltimenutzach.com). By registering an account, submitting an application, or using our digital services, you expressly agree to the following technology, data governance, and ecosystem provisions:
15.1 Software Engineering & Database Access
You acknowledge and agree that Bilti Menutzach (Private) Limited and its authorized software developers, system engineers, and database administrators possess direct access to the database, application records, server logs, and user data. Both BluCross Capital (as Responsible Party) and Bilti Menutzach (as Operator) are legally bound under POPIA section 19 to maintain strict confidentiality and rigorous technical safeguards. This access is exercised solely for lawful software engineering and operational purposes: continuous cybersecurity monitoring, platform maintenance, diagnosing and resolving software bugs, optimizing database indexing, stress-testing infrastructure, validating automated calculations, and ensuring that all systems meet the highest standards of safety, accuracy, and regulatory compliance.
15.2 Records Retention & International Standards
Bilti Menutzach (Private) Limited and BluCross Capital retain user records, credit applications, audit logs, and transaction histories in accordance with South African statutory retention mandates (including the NCA 34 of 2005, FIC Act 38 of 2001, POPIA 4 of 2013, and ECTA 25 of 2002) as well as international cybersecurity and financial systems audit standards. Records are maintained securely for the duration required by law and sound technical governance.
15.3 Bilti Menutzach Ecosystem Authorization
In terms of section 11(1)(a) and section 15(3)(a) of the Protection of Personal Information Act (POPIA Act 4 of 2013), you grant explicit, informed consent for your verified profile data, KYC identification records, and system credentials managed by Bilti Menutzach (Private) Limited to be recognized, authenticated, and utilized across digital applications, client portals, and software platforms within the Bilti Menutzach Ecosystem. This lawful authorization provides seamless single sign-on (SSO), profile portability, account security verification, and expedited services across the ecosystem without requiring duplicate document uploads, all while remaining strictly governed by POPIA security controls.
15.4 Strict Confidentiality & Zero Public Disclosure
Your personal information is strictly confidential and protected by enterprise-grade encryption (AES-256 at rest and TLS 1.3 in transit). Neither BluCross Capital nor Bilti Menutzach (Private) Limited sells, rents, leases, trades, or discloses your personal information to the public under any circumstances. Access is restricted solely to authorized operational and engineering personnel bound by strict non-disclosure obligations.
15.5 Authorized Disclosures to Regulatory Authorities & Certified Third Parties
While your information is strictly locked against public exposure, information and system records may be lawfully disclosed only to:
- Statutory Regulatory Authorities: The National Credit Regulator (NCR), Financial Intelligence Centre (FIC), South African Revenue Service (SARS), Information Regulator, South African Police Service (SAPS), and courts of law pursuant to statutory compliance duties, subpoenas, or lawful judicial orders.
- Certified Auditing & Compliance Partners: External statutory financial auditors, accredited IT cybersecurity assessment firms, legal practitioners, and registered credit bureaux strictly for formal financial audits, security accreditation, statutory regulatory reviews, and credit reporting.
15.6 Right to Data Deletion & Account Erasure
Under Section 24 of POPIA, you have the right to request the correction, destruction, or permanent deletion of your personal data held by BluCross Capital and Bilti Menutzach (Private) Limited:
- How to Request: You may submit a written deletion request (POPIA Form 2) to info@blucrosscapital.com or initiate an account deletion request through the Client Portal settings.
- Immediate Actions: Upon receipt and identity verification, your login access, direct marketing permissions, and active digital credentials will be permanently deactivated and purged from operational systems.
- Statutory Retention Exception: Under section 170 of the National Credit Act (NCA 34 of 2005), section 22 of the Financial Intelligence Centre Act (FIC Act 38 of 2001), and section 14(1)(a) of POPIA, financial institutions are statutorily required to retain credit records, loan agreements, financial statements, and identification documents for a minimum period of 5 years after the conclusion or settlement of a credit agreement. During this statutory period, your data is locked in restricted, read-only compliance archives solely for statutory audits and cannot be used for any commercial or marketing purpose. Upon expiry of the statutory retention period, all records are permanently destroyed or de-identified.
15.7 Client Account Security Duties & Phishing Alerts
- You are strictly responsible for maintaining the confidentiality of your password, PINs, and authentication credentials.
- You must immediately report any suspected unauthorized access or compromise to help@blucrosscapital.com.
- BluCross Capital and Bilti Menutzach (Private) Limited will never contact you requesting your online banking password, one-time PIN (OTP), or full card details. Never disclose these to anyone.
15.8 Technical Availability & Operator Protection: Bilti Menutzach (Private) Limited and BluCross Capital implement enterprise-grade cybersecurity, redundancy, and disaster recovery. However, neither BluCross Capital nor Bilti Menutzach (Private) Limited shall be held liable for temporary system downtime, network latency, telecommunications failures, national grid interruptions (load shedding), or unauthorized breaches resulting from client negligence or force majeure events beyond reasonable technological control.
16 Our Rights & Remedies
Subject to the provisions of the NCA and applicable law, BluCross Capital reserves the right to:
- Decline any application without being obliged to provide reasons, subject to NCA obligations.
- Conduct credit checks and affordability assessments using registered credit bureaux and third-party verification services.
- Suspend or terminate your client portal account if you are in default, found to have submitted fraudulent information, or in breach of these terms.
- Amend our products, services, and these Terms & Conditions with reasonable notice to you.
- Assign or cede our rights under a credit agreement to a third party, subject to NCA requirements and notification to you.
- Take all legally available steps to recover outstanding amounts in the event of default.
17 Limitation of Liability
To the maximum extent permitted by law:
- BluCross Capital's total liability to you for any claim arising from these Terms or the use of our services shall not exceed the total amount of fees paid by you to us in the 3 months preceding the claim.
- We are not liable for any indirect, consequential, special, or punitive damages arising from your use of our services.
- We are not liable for delays or failures in service delivery caused by circumstances beyond our reasonable control (force majeure), including load shedding, banking system downtime, or natural disasters.
- We are not responsible for any loss arising from your failure to maintain the confidentiality of your account credentials.
Nothing in this clause limits our liability for fraud, gross negligence, or any liability that cannot be lawfully excluded under South African consumer protection legislation including the NCA and CPA.
18 Confidentiality
Both parties agree to keep confidential all information shared in connection with the credit agreement, including application details, financial information, and communication records, except where disclosure is:
- Required by law or a regulatory authority (NCR, FIC, SARS, courts);
- Necessary to credit bureaux for reporting purposes under the NCA;
- Necessary for debt collection or legal proceedings;
- Made with your explicit written consent; or
- Already lawfully in the public domain.
The handling of your personal information is governed by our Privacy Policy and POPIA. Our staff are contractually bound to maintain confidentiality of all client information.
19 Amendments & Updates
- We may update these Terms & Conditions from time to time to reflect regulatory changes, product updates, or improvements to our services.
- Material changes will be communicated via our website and/or direct notice to registered clients.
- The version of these Terms in force at the time of your application governs your credit agreement.
- Changes to terms of an existing credit agreement will be communicated as required by the NCA — we will not unilaterally increase fees or interest rates on an existing agreement except as permitted by law.
- Your continued use of our services after notice of changes constitutes acceptance of the updated Terms.
20 Governing Law & Jurisdiction
- These Terms & Conditions and all credit agreements are governed by and must be interpreted in accordance with the laws of the Republic of South Africa.
- The primary legislation governing our lending activities includes: the National Credit Act 34 of 2005, the FAIS Act 37 of 2002, the FIC Act 38 of 2001, POPIA 4 of 2013, the Consumer Protection Act 68 of 2008, and the Electronic Communications and Transactions Act 25 of 2002.
- Any dispute will be subject to the jurisdiction of a competent South African court or regulatory tribunal, including the National Consumer Tribunal (NCT) for NCA-related disputes.
21 Dispute Resolution
We are committed to resolving disputes quickly and fairly. The following process applies:
2
NCR Complaint — If unresolved, lodge a complaint with the
National Credit Regulator:
ncr.org.za | 0860 627 627 | complaints@ncr.org.za
3
National Consumer Tribunal (NCT) — For NCA disputes that cannot be resolved through the NCR:
thenct.org.za
4
FAIS Ombud — For complaints related to financial advice:
faisombud.co.za | 0860 662 837
22 General Provisions
- Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions remain in full force and effect.
- No Waiver: Our failure to enforce any provision of these Terms on any occasion does not constitute a waiver of that provision for any subsequent occasion.
- Entire Agreement: These Terms, together with the applicable credit agreement and pre-agreement statement, constitute the entire agreement between you and BluCross Capital regarding the services described.
- Electronic Communications: In terms of the Electronic Communications and Transactions Act 25 of 2002 (ECTA), electronic communications between us are valid and binding. Digital signatures and electronic acceptance of terms are legally effective.
- Language: These Terms are in English. In the event of any dispute as to meaning, the English version is authoritative.
- Notices: All formal notices must be in writing. Notices to us must be sent to info@blucrosscapital.com. Notices to you will be sent to the contact details you provided.
NCR Registered
FSP · FIC · PCC 25
