Terms of Use

1. DEFINITIONS

1.1. “Loobi™” means Loobi Loans Proprietary Limited , a private company registered in the Republic of South Africa as per the provisions of the Companies Act 71 of 2008, (Registration Number 2022/507283/07), a registered credit provider as per the provisions of the National Credit Act 34 of 2005, (NCRCP16465) and which for purposes of any disclaimer and for indemnity includes its directors, shareholders, employees, subcontractors and/or agents and any other representative personnel officially and formally (written manner) authorised by Loobi Loans Proprietary Limited.

1.2. “User/s” means any person accessing any part of this Website and may also be referred to as “You, Your or Yourself” or “Visitor”.

1.3. “Us, Our, We“, means Loobi Loans Proprietary Limited or hence forth per 1.1. “Loobi™”.

1.4. “Website” means, www.loobi.co.za

PLEASE READ THESE TERMS OF USE TOGETHER WITH OUR PRIVACY POLICY CAREFULLY. BY ACCESSING THIS WEB SITE AND ANY PAGES HEREOF, YOU ARE INDICATING THAT YOU HAVE READ, ACKNOWLEDGE AND AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, DO NOT ACCESS THIS WEB SITE. LOOBI™ RESERVES THE RIGHT TO CHANGE THESE TERMS OF USE WHICH YOU ARE RESPONSIBLE FOR REGULARLY REVIEWING AND YOUR CONTINUED USE OF THIS WEBSITE CONSTITUTES AGREEMENT TO ALL SUCH CHANGES.

2. INTRODUCTION 

2.1. Welcome to our website www.loobi.co.za, which is owned and operated by Loobi™.

2.2. Loobi™ provides the information contained in this Website and the pages comprising the Website, and advertises and offers the services advertised on this Website from time to time (“service/s”) to users or visitors, subject to the terms and conditions set out in this Terms of Use document. 

2.3. This document sets out the terms and conditions (“Terms of Use”) applicable to your access and use of our Website. In terms of Electronic Communications and Transactions Act 25 of 2002 and the Common Law of Contracts, these terms and conditions (“Terms of Use”) are valid, binding and enforceable against all persons who access our Website, web pages or any part thereof. If you do not agree to be bound by these terms and conditions (“Terms of Use”), then you must cease your use of, or access to, the Website in any manner deemed fit.

3. ACCEPTANCE OF TERMS

3.1. By accessing, browsing, populating any information and/or using our Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and to comply with all applicable laws and regulations. If you do not agree to these Terms, please do not access or use the Website in any manner whatsoever. You may use the Website only for lawful purposes and in accordance with the documented terms and conditions (“Terms of Use”). 

3.2. Please note that the terms and conditions (“Terms of Use”), stated in this document refer to the use by You of this Website and are not related to any contractually binding commercial agreement concluded between You and Loobi™ or any other third party pursuant to the use of this Website.

4. LICENCE TO USE

4.1. You are permitted to a limited licence to download the materials contained on our Website to a single personal computer, and print a hard copy of such materials, solely for personal, non-commercial use, and provided all copyright, trade mark and other proprietary notices are left intact. The permission of this limited licence is conditional upon your agreement to and compliance with all these terms and conditions of use. Without the prior permission of Loobi™, any other use of the materials on our Website including reproduction (for any purpose other than those noted above), modification, distribution or republication is prohibited and is a violation of Loobi™’s rights as governed by the Laws of the Republic of South Africa, International Laws and or/and is in line with the terms and conditions (“Terms of Use”).

5. ACCEPTABLE USE POLICY 

5.1 You must not post onto or otherwise make available on our Website any defamatory, threatening, obscene, harmful or pornographic material or material which would violate or infringe in any way the rights of others (including intellectual property rights, rights of confidentiality, or rights of privacy) or cause distress or inconvenience or which does not comply with all relevant laws. You must not express opinions that are vulgar, crude, sexist, racist or otherwise offensive;

5.2. You must not post onto or otherwise make available on our Website any material which you do not own without express permission of the owner of the material;

5.3. You must not make available, upload or distribute by any means any material or files that contain any viruses, bugs, corrupt data, “trojan horses”, “worms” or any other harmful software; and

5.4. You must not damage, interfere with or disrupt access to our Website or do anything, which may interrupt or impair its functionality.

6. CONTENT OF OUR WEBSITE

6.1. As much as Loobi™ makes every effort to update the information provided on its’ Website on a regular basis, Loobi™ makes no representations or warranties, whether express, implied in law or residual, as to the accuracy, completeness or reliability of any information, data and/or content on the Website.

6.2. The information, ideas and opinions expressed on our Website are of a general nature and should not be regarded as professional or implied financial or other advice. Prior to making any decision or taking any action based on, or in relation to information, ideas and opinions expressed on our Website which might affect your personal finances or business, we recommended that you consult a registered and qualified professional who may guide you in making an appropriate and informed decision. 

7. USE OF THE WEBSITE AND INDEMNIFICATION

7.1. By accessing the website, you warrant and represent to Loobi™ that you are legally entitled to do so, and you are authorised to solicit services and/or products provided by Loobi™.

7.2. You further warrant you will not use our Website, the products and/or the services or any information made available or sent to you by us pursuant to your use of our Website for any purpose that is unlawful or prohibited under South African or international law or is contravention of the terms and conditions (“Terms of Use”). You hereby indemnify Loobi™ against any loss, liability, damage or expense of whatever nature which Loobi™ or any third party may suffer which is caused by or attributable to, whether directly or indirectly, a breach by you of any of the warranties in these terms.

7.3. We may modify, withdraw or deny access to our Website at any time.

7.4. You may print pages for your personal use but no part of this website may be reproduced or transmitted for any other purpose.

7.5. Our Website is intended to provide general information regarding Loobi™, our products and services, and other information which may be of interest to you. The content harboured within our Website is not intended to provide exhaustive treatment of any subject. The information on our Website including all research, opinions or other content is not intended to and does not constitute financial, accounting, tax, legal, investment, consulting or other professional advice or services. Prior to making any decision or taking any action based on, or in relation to information, ideas and opinions expressed on our Website which might affect your personal finances or business, we recommended that you consult a registered and qualified professional who may guide you in making an appropriate and informed decision.

8. INTELLECTUAL PROPERTY AND COPYRIGHTS

8.1. All intellectual property on our Website, including but not limited to content, trademarks (or any ambiguously similar trademarks), logos, pictures, videos, downloads, domain names, patents, design elements, software, source code, meta tags, databases, text, graphics, icons and hyperlinks are the property of, or are licensed to Loobi™ and are protected from infringement by the Laws of the Republic of South Africa, International Laws and or/and is in line with the terms and conditions (“Terms of Use”). All rights in, and/or to, the content of our Website are reserved and retained by Loobi™ and/or the owners of such rights. 

8.2. Users of our Website are granted a limited licence for general use, granting the User, subject to the terms and conditions (“Terms of Use”), a non-exclusive, non-transferable, limited and revocable right to access, use, download and otherwise copy the current and future content of our Website for personal, non-commercial and informational purposes only.

9. THIRD PARTY LINKS 

9.1. Occasionally our website may also include links to other websites, other digital based platforms, and not only limited to social media platforms. These links are provided in order to enhance the interest of other featured content and are not intended to signify that Loobi™ endorses or otherwise has any responsibility for the content of the linked websites and other digital platforms.

9.2. We do not endorse or approve of any third party or their advice, opinions, information, products or services expressed or implied by any information on our Website.

9.3. External links may be provided for your convenience, but they are beyond the control of Loobi™ and no representation is made as to their content. Use or reliance on any external links provided is at your own risk. When visiting external links you must refer to the external terms and conditions of use. No hypertext links shall be created from any website controlled by you or otherwise to this website without the express prior written permission of Loobi™.

10. THIRD PARTY LINKS 

10.1. Loobi™ makes no warranties, representations, statements or guarantees (whether express, implied in law or residual) regarding our Website and the products and services provided. Loobi™ does not make any warranty or representation that information and services advertised on the website are appropriate for use in any jurisdiction.

10.2. We do not warrant that the website or any software available for download via the website is free of viruses or destructive codes. To the fullest extent possible by law, Loobi™ expressly disclaims all (express or implied) warranties, including, without limitation, compatibility, security and accuracy in respect of this website.

10.3. Neither Loobi™ or its directors, shareholders, employees, subcontractors and/or agents and any other representative personnel officially and formally (written manner) authorised by Loobi Loans Proprietary Limited shall be responsible for, and they hereby disclaim all liability for, any loss, liability, damage (whether direct, indirect or consequential) and/or expense of any nature whatsoever which may be suffered by you or any third party, as a result of or which may be attributable, directly or indirectly, to your access and use of our Website and/or any information contained on or received via our Website, your use of the products and services provided and/or your reliance on any information offered via the website and products and services.

10.4. Neither Loobi™ or its directors, shareholders, employees, subcontractors and/or agents and any other representative personnel officially and formally (written manner) authorised by Loobi Loans Proprietary Limited shall be liable for any loss of business, loss of data and/or loss of profits, any failure and/or unavailability of our Website for any reason whatever and/or the failure/delay by any third party service provider to render any service/s which are necessary to ensure the availability of our Website. 

10.5. Information transmitted via the internet is susceptible to monitoring and interception. You will bear all risks of transmitting information in this manner. We will not be liable for any loss, harm or damage suffered by you as a result of transmitting information to us.

10.6. Any unsolicited confidential or proprietary information sent to us via the internet cannot be guaranteed to remain confidential. If you need to send such information to us and are concerned about the security of this information please contact us and we will advise you of the most appropriate method of transmission.

10.7. Our Website is made available for public viewing on the basis that Loobi™ excludes, to the extent lawfully permitted all liability whatsoever for any loss or damage howsoever arising out of the use of our Website or reliance upon the content of our Website.

10.8. Nothing on our Website is intended to be nor should be construed as an offer to enter into a contractually legally binding relationship with you or anyone else, except for these terms which govern the relationship between us in relation to your use of our Website. The advertising of our products and services via the website merely constitutes an invitation by Loobi™ for you to make an application for credit. Loobi™ reserves the right not to accept and/or comply with any application for any reason whatsoever on notice to you. Should Loobi™ accept your application for credit, the agreement is governed by the terms and conditions of the application and loan agreement itself and not by these terms and conditions (“Terms of Use”), which specifically relate to the use of our Website.

11. CAPACITY OF USER/S

11.1. Each user/s represents and warrants that the user/s;

11.1.1. is old enough under applicable law to enter into the terms and conditions (“Terms of Use”); 

11.1.2. possesses the legal right, full power, and authority to enter into the terms and conditions (“Terms of Use”); 

11.1.3. will submit true, accurate and correct information to Loobi™ and our website. If the user is younger than 18 years of age, the user warrants that they (Being the user) have consent of thier legal guardian to enter into the terms and conditions (“Terms of Use”), or that the user has obtained legal status in another lawful manner.

12. FRAMING, CRAWLERS & SPIDERS 

12.1. No person, business or website may frame the site of Loobi™ or any of the pages on this site in any way whatsoever.

12.2. No person, business or website may use any technology to search and/or gain information from Loobi™’s website without its prior written consent.

13.  GOVERNING LAW

13.1. Our Website is owned and operated from the Republic of South Africa. These terms and conditions (“Terms of Use”), and the use of, or inability to use, the Website are accordingly governed by the laws of the Republic of South Africa.