terms & Condtions
Bika Loans Terms And Conditions And Disclaimer
Introduction
This is the website of Bika Loans, a private company registered in the Republic of South Africa.
Bika Loans is a registered credit provider (NCRCP13994).
You can contact us regarding this website by email, at info@bikaloans.com
Bika Loans 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 (“you”), subject to the terms and conditions set out herein (“the terms”).
Please read these terms, together with our Privacy Policy carefully, they will govern our relationship with you in relation to your use of www.bikaloans.com (“the website”) and will constitute an ongoing binding agreement between Bika Loans and yourself.
Acceptance of Terms
By accessing the website, you are deemed to have read, understood and agreed to the terms. Bika Loans may at any time modify any of the terms and such modification will supersede and replace any previous terms. The amended terms will be made available on the website. Each time you access the website, you agree to be bound by the terms, as they have changed.
If you do not accept these terms and conditions, please do not continue to use this website. Please note that the terms and conditions stated in this document refer to the use by you of this website and are not related to any commercial agreement concluded between you and Bika Loans or any other third party pursuant to the use of this website.
Content of the website
While Bika Loans makes every effort to update the information provided on the website on a regular basis, Bika Loans 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.
The information, ideas and opinions expressed on this website are of a general nature and should not be regarded as financial or other advice. Before making any decision or taking any action based on, or in relation to information, ideas and opinions expressed on this website which might affect your personal finances or business, you should take appropriate advice from a suitably qualified person.
Use of the website and indemnification
By accessing the website, you warrant and represent to Bika Loans that you are legally entitled to do so. If you subscribe for any of our products you warrant and represent that you are legally authorised to subscribe for such services. You further warrant you will not use the website, the products and/or the services or any information made available or sent to you by us pursuant to your use of the website for any purpose that is unlawful or prohibited under South African or international law or is contravention of the terms. You hereby indemnify Bika Loans against any loss, liability, damage or expense of whatever nature which Wonga 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.
This website is available to you for your non-commercial use.
We may modify, withdraw or deny access to this website at any time.
You may print pages for your personal use but no part of this website may be reproduced or transmitted for any other purpose.
This website is intended to provide general information regarding Bika Loans, our products and services, and other information which may be of interest to you. It is not intended to provide exhaustive treatment of any subject. The information on this 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. Before making any decision or taking any action which might affect your personal finances or business you should take appropriate advice from a suitably qualified person.
Copyright and Intellectual Property
Copyright and all intellectual property rights and all materials, texts, drawings and data made available on the website (collectively “the materials”) are owned by Bika Loans, alternatively Bika Loans is the lawful user thereof, and are protected by both South African and international intellectual property laws. Any unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other circulation or exploitation of such material or any component thereof will be an infringement of such copyright and other intellectual property rights; save that you may use the materials or any component thereof for your own internal purposes and for purposes of considering and making use of the services offered by Bika Loans. The trademarks, names, logos and service marks (collectively “trademarks”) displayed on this website are registered and unregistered trademarks of Bika Loans. Nothing contained on this website should be construed as granting any licence or right to use any trademark without the prior written permission of Bika Loans.
Third party links
From time to time this website may also include links to other websites. These links are provided in order to enhance the interest of other featured content and are not intended to signify that Bika Loans endorses or otherwise has any responsibility for the content of the linked website.
No endorsement or approval of any third party or their advice, opinions, information, products or services is expressed or implied by any information on this website.
External links may be provided for your convenience, but they are beyond the control of Bika Loans 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 Bika Loan.
Privacy Policy
We respect your privacy and your personal information (even if you do not become or are no longer a customer of ours) and refer you to our privacy policy which governs the way in which we collect and use the personal information provided to us as part of the application process. You give BikaLoans permission to collect and use your personal information when you use the website.