Terms and Conditions

Last updated: 4/2/2026

1. Definitions

In these Terms and Conditions, unless the context otherwise requires:

• MFC refers to Mzazela Finance Corporation (Pty) Ltd.
• Client means any person or entity engaging MFC for liquidity, credit, or crypto asset services.
• Agreement refers to this document and any annexures or schedules attached.
• CASP means Crypto Asset Service Provider licensed under applicable FSCA and FAIS regulations.
• Liquidity Services refer to facilities or instruments provided to enhance capital efficiency or cash flow.
• Credit Services refer to lending, funding, or credit line facilities extended under the National Credit Act (NCA) and FSCA regulations.
• FICA refers to the Financial Intelligence Centre Act, 2001, requiring verification and monitoring of client information.
• FSCA means the Financial Sector Conduct Authority of South Africa.
• POPIA means the Protection of Personal Information Act, 2013.

2. Scope of Services

MFC offers the following services under applicable South African financial laws:

1. Liquidity Provision – Facilitating liquidity solutions for individuals, corporations, and financial institutions.
2. Credit Provision – Offering loans, revolving credit facilities, and structured finance options in accordance with NCA and FSCA requirements.
3. Crypto Asset Services (CASP) – Providing crypto-related payment processing, wallet management, exchange facilitation, and custodial services as licensed.

3. Client Eligibility and Due Diligence

• 3.1 Clients must undergo full FICA verification before accessing services.
• 3.2 MFC reserves the right to request documentation including ID, proof of address, company registration documents, and source of funds.
• 3.3 Failure to comply with verification requirements may result in suspension or termination of services.

4. Use of Services

• 4.1 The Client agrees to use all services lawfully and transparently, without engaging in money laundering, fraud, or prohibited financial activity.
• 4.2 MFC may suspend or terminate any account suspected of illegal transactions or non-compliance.
• 4.3 The Client is responsible for maintaining the confidentiality of account information and authorizations.

5. Credit Terms

• 5.1 Credit facilities are subject to individual credit assessments and approval.
• 5.2 Interest rates, fees, and repayment terms will be disclosed in the Credit Facility Agreement provided to each client.
• 5.3 Default on credit repayment will attract penalty charges, legal recovery, and potential blacklisting in accordance with the NCA.
• 5.4 MFC reserves the right to review, amend, or withdraw credit limits without prior notice based on risk assessments.

6. Liquidity Facilitation

• 6.1 Liquidity services are provided subject to market availability and internal risk assessments.
• 6.2 MFC does not guarantee liquidity or profit margins unless explicitly stated in a written agreement.
• 6.3 All transactions are monitored for compliance with Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations.

7. Crypto Asset (CASP) Operations

• 7.1 MFC provides crypto asset services under FSCA-compliant frameworks and in line with FATF guidelines.
• 7.2 Clients acknowledge the volatility and risk associated with crypto assets.
• 7.3 MFC is not liable for market fluctuations, losses due to private key mismanagement, or third-party system failures.
• 7.4 Clients agree that crypto transactions are irreversible once executed.

8. Data Protection & POPIA Compliance

• 8.1 MFC collects and processes client information under the Protection of Personal Information Act (POPIA).
• 8.2 Information collected is used for service provision, compliance, and communication purposes.
• 8.3 Clients have the right to request access, correction, or deletion of their personal data.
• 8.4 MFC will not share client information with third parties without consent unless required by law or regulatory authority.

9. Fees and Charges

• 9.1 All applicable fees, commissions, and administrative costs shall be disclosed prior to service activation.
• 9.2 MFC reserves the right to adjust pricing subject to 14 days’ notice.
• 9.3 Late payments or defaults may attract interest and collection costs.

10. Limitation of Liability

• 10.1 MFC shall not be liable for indirect, incidental, or consequential damages resulting from the use of its services.
• 10.2 MFC’s liability shall be limited to the amount of direct loss proven to result from its negligence.
• 10.3 Clients accept the inherent risk in financial and crypto markets and indemnify MFC against losses from volatility or third-party actions.

11. Regulatory Compliance

• 11.1 MFC operates under South African financial laws and is subject to oversight by the FSCA and Financial Intelligence Centre (FIC).
• 11.2 Clients must comply with all relevant regulations, including FICA, POPIA, FAIS, and CASP directives.

12. Termination

• 12.1 Either party may terminate this Agreement by providing 30 days’ written notice.
• 12.2 MFC may immediately terminate if the client breaches these Terms, engages in illegal activity, or fails to meet payment obligations.

13. Dispute Resolution

• 13.1 Any disputes shall first be addressed through negotiation between the parties.
• 13.2 If unresolved, disputes shall be referred to arbitration in Pretoria under South African law.
• 13.3 The decision of the arbitrator shall be final and binding.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of South Africa.

15. Contact Details

Mzazela Finance Corporation (Pty) Ltd
Email: complianceoffice@mzazelafinance.com
Address: Malmani Road, Oaktree, Krugersdorp, Gauteng, 1739, South Africa
Tel: [Insert contact number]

16. Acceptance

By engaging MFC’s services, the Client acknowledges having read, understood, and agreed to these Terms and Conditions.