Terms & Conditions

By using our website, you agree to the Terms and Conditions set out below. You also agree to use the website for the use intended primarily being that of comparing business finance. If you do not agree to these terms and conditions, please do not use our service.

Information about us

Fincheck Business is a brand and website managed by Finch Technologies (PTY) Limited, a company registered in South Africa.
Finch Technologies is a business that provides financial comparison websites that facilitate the user to source the most appropriate funding for their personal or business capacity. At no point in time does Finch Technologies originate loans or provide financial advice.

The Fincheck Business service

Fincheck Business provides a service by matching applicants with appropriate Lending partners with businesses looking for finance. After completing an inquiry, Fincheck Business will pass on your information to the appropriate Lending Partner. Your application will be deemed as consent for us to pass the information from your form field on to third parties.
After completing an inquiry form online via our website, you agree that you will receive an initial e-mail We acknowledge our obligations to this agreement by performing the service you have requested. In doing so we are the service provider and you are our customer. We deal directly with the customer and have no obligation to any party other than our customer.
If you are accessing our service on behalf of a 3rd party our obligation is still with you, the customer. And as our customer, the terms and conditions of this agreement apply to you, the customer and no other parties or agents connected to you.

Accessing and using our website

Access to our website is permitted on a temporary basis, and, as explained below, we reserve the right to withdraw or amend the service we provide on our website without notice. We will not be liable if for any reason our website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of our website, or our entire website, to users who have registered with us.
You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms and conditions and that they comply with them.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

Service Limits

We act as an intermediary and credit broker to our customers in order to locate lenders, insurers and service providers who may offer loans, finance, insurance policy(s) and/or utility services.
We work alongside a number of loan providers, finance providers, credit brokers, insurance providers and utility brokers (“Our Partners”). These are the companies and organisations that we use to help find products and services for our customers.
We do not provide loans, finance, insurance or utilities and do not represent the interests of or act on behalf of any of Our Partners. The decision to provide customers with any product or services lies with Our Partners alone and depending upon what has been applied for, may depend upon factors such as a lender’s assessment of a customer’s credit worthiness by taking into account their credit history.
Once a customer enters into an agreement with us and accepts our terms and conditions, we act as the customer’s broker for a period of 6 months. This period allows us the chance to try and find a product or service offer required by the customer.

Financial information

Our Partners amend their lending criteria from time to time and the indication of possible acceptance is based only on the information that you have provided us along with Partner requirements. This website is not permitted to give advice either through the service or telephone or e mail. No information on this website should be deemed as to be giving financial advice.

Our website changes regularly

We aim to update our website regularly and may change the content at any time. If the need arises, we may suspend access to our website, or close it indefinitely. Any of the material on our website may be out of date at any given time, and we are under no obligation to update such material.

Our liability

The material displayed on our website is provided “as is” without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we and third parties connected to us hereby expressly exclude:

• All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
• Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or results of the use of our website, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

Checks and references

Credit checks and credit reference agencies can also help prevent fraudulent applications so by proceeding with your application you agree to Our Partners using data provided for the purpose of preventing fraud and ensuring the customer's identity is as claimed. This data may be used by a Credit Reference Agency or Fraud Agency and these agencies may keep a record of your information.
Information provided by the customer must always be true and accurate as misleading information will be regarded as a breach of our terms and is likely to breach any agreement the customer has entered into with Our Partners. Furthermore, misleading information may also result in the instigation of criminal procedures against the customer.
If the customer has authorised any 3rd Parties to access the service on behalf of the customer instructions issued by authorised 3rd parties will be contractually binding on the customer on whose behalf the 3rd Party is acting.
Should the customer choose to make a joint application for a loan or finance via our site each party will be dealt with as a customer acting with the consent of the other and if correspondence is entered into with one party of the joint application it shall be assumed that the communication is with both parties.

Viruses, hacking and other offenses

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of- service attack or a distributed denial-of- service attack.
You must not establish a link from any website that is not owned by you. Our website must not be framed on any other site, nor may you create a link to any part of our website other than the homepage. We reserve the right to withdraw linking permission without notice. If you wish to make any use of material on our website other than that set out above, please contact us on our contact form by clicking here.

Links from our website

Where our website contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Applicable law and jurisdiction

These terms and conditions and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of South Africa

Language

The agreement is in English and all communications between you and us will be in English.

Changes to terms and conditions

We may change these terms and conditions at any time by posting changes online. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. By continuing to use the site after changes are posted you are accepting our new terms and conditions. Some of the provisions contained in these terms and conditions may also be superseded by provisions or notices published elsewhere on our website.