On-Lending & Liquidity Provider Platform

2025 Mzazela Finance Corporation (MFC) Pty Ltd. All rights reserved. An authorized financial services and credit provider Reg No. 2023/888893/07 (NCRCP19930) • Email info@mzazelafinance.com • Address: Colan Ext 2, Bancor Avenue, Parkland West Building, Menlyn Maine, Waterkloof Glen, Pretoria, 0181 •

1. Introduction and Legal Terms

By accessing or using our Platform you agree to these Terms. Content on the Platform remains reserved by MFC. MFC is a registered credit provider (NCRCP19930). Please read carefully, especially bolded sections highlighting limitations of liability and risk.

2. Our Services and Creating a Profile

• Apply online for short-term loans; typical decisioning within minutes.
• On approval, you receive a pre-agreement statement & quotation; then a credit agreement.
• Create a user profile to apply and manage your account, payments and statements.
• You must provide accurate, current and complete information and keep it updated.
• Notify us immediately of any suspected unauthorised access or misuse.

3. Ways to Pay

• Minimum monthly Instalment will be communicated on approval.
• Payments via EFT, debit order, or online payment; valid once received and credited.
• Allocation order: interest → fees/charges → principal debt.
• Early payments are welcome; remaining balances are due on the instalment date.
• Online payments are encrypted by our providers; their terms apply.

4. Responsibilities and Warranties

• You confirm you are 18+ and legally capable; information supplied is accurate.
• No abusive/defamatory content; no interference, malware, or reverse engineering.
• Respect third-party IP; no unlawful use (including financial crime/AML violations).
• We may restrict access if you breach the Terms.

5. Messages and Advertising

• Your data messages are deemed received when we acknowledge/respond.
• Our messages are received when they arrive in your email server inbox.
• We may ignore unlawful/abusive messages and take appropriate action.
• Internet messages are not guaranteed secure; you accept the associated risks.
• External links do not imply endorsement; use at your own risk.

6. Intellectual Property & Confidentiality

• Platform IP is owned/licensed by MFC; rights reserved.
• Limited personal display license; no copying/modifying without consent.
• We may modify Platform/Services without prior notice (completed transactions unaffected).
• Application information is confidential unless disclosure is legally required or public.

7. Indemnities, Disclaimers & Warranties

• Services are provided “as is” and “as available”.
• No liability for direct/indirect/consequential losses from Platform use.
• No guarantee of uninterrupted or error-free access; security measures are reasonable, not absolute.
• You indemnify MFC against losses arising from your breach of these Terms.

8. Dispute Resolution

• Negotiate in good faith; if unresolved, refer to independent mediation.
• Per National Credit Act: ADR, NCR complaint, or National Credit Tribunal.
• National Financial Ombud Scheme: 0860 800 900.
• No publicising disputes on social media; doing so may cause harm and liability.

9. Termination of Use

We may limit/terminate access for breach with reasonable notice. You may terminate per your credit agreement. Rights/obligations accrued remain enforceable.

10. Notices and Service Address

• MFC: info@mzazelafinance.com
• User: email/mobile/physical address provided on registration.
• Updates to service address take effect 14 days after written notice.

11. Company Information

Entity: Mzazela Finance Corporation (MFC) Pty Ltd • Private Company • Reg: 2023/888893/07 • NCR: NCRCP19930 • Phone: +27 82 971 0446 • Email: info@mzazelafinance.com • Address: Colan Ext 2, Bancor Avenue, Parkland West Building, Menlyn Maine, Waterkloof Glen, Pretoria, 0181 •

12. General Provisions

• No partnership/joint venture created; no authority to bind each other without consent.
• Force majeure applies; obligations suspended during such events.
• We may amend Terms; continued use = acceptance.
• Entire agreement; changes valid only if in writing and signed.
• No waiver by indulgence; headings for convenience only.
• Governing law: Republic of South Africa; severability applies.
• No provision overrides mandatory consumer protection law.

Effective date: 24 June 2025

At Mzazela Finance Corporation (MFC) Pty Ltd (Reg No. 2023/888893/07 • NCRCP19930), we prioritise the safeguarding of your Personal Information as defined under South Africa’s POPI Act. This notice explains how we collect, use, share and protect information when you use our websites, dashboards, mobile experiences and services (the “Platform”).

1) Important Information & Who We Are

• MFC acts as the Responsible Party (and sometimes Operator).
• Information Officer: Amogelang Tshikhovhokovho
• Contact: info@mzazelafinance.com • +27 82 971 0446
• Address: 158 Malmani Road, Sterkfontein Country Estates, Krugersdorp.
• You may also lodge complaints with the Information Regulator (SA) or Form 5.
• We may update this policy; continued use indicates acceptance of updates.
• We do not intentionally process children’s data or Special Personal Information.

2) What We Collect

• Identity, Contact, Profile, Employment, Financial, Transaction, Technical & Usage, Marketing & Communications, Support data.
• Aggregated/analytics data; if combined with identifiers, treated as Personal.
• If requested data is not provided, we may be unable to offer services.

3) How We Collect

• Direct interactions (applications, contracts, support).
• Automated technologies (cookies, logs, telemetry).
• Third parties (credit bureaux, banks, payment providers, analytics tools).

4) How We Use Your Information

• With your consent, to perform a contract, under legitimate interests, or to comply with law/regulation.
• Purposes include: onboarding & KYC, affordability & credit assessment, loan servicing, payments, customer support, security & fraud prevention, analytics & product improvement, legal compliance and reporting.
• Quality control: calls/interactions may be recorded for training and compliance.
• Marketing: no third-party marketing without your opt-in; you can opt out anytime.

5) Disclosures & Sharing

• Internal affiliates on a need-to-know basis.
• External partners under contracts that protect confidentiality (e.g., KYC providers, credit bureaux such as Experian, banks, payment processors, cloud/IT vendors, auditors, legal/regulatory authorities).
• Corporate transactions (merger, acquisition) subject to appropriate safeguards.

6) Cookies

We use cookies and similar technologies to improve performance and analytics. You may disable cookies in your browser; some features may not function fully.

7) International Transfers

Data may be processed/stored outside South Africa with appropriate safeguards (adequacy decisions or standard contractual clauses).

8) Data Security

We apply technical/organizational measures to prevent unauthorised access, loss or misuse, including encryption in transit and at rest where appropriate, access controls, and staff confidentiality obligations.

9) Retention

• Credit apps/agreements: ≥ 3 years after termination
• FICA records: ≥ 5 years
• Company records: ≥ 7 years • Tax: ≥ 5 years
• Where no statutory period applies, we retain only as long as necessary, then delete or de-identify.

10) Your Rights

• Access, Rectify, Erase, Object, Restrict, Portability, Withdraw consent.
• Submit requests to info@mzazelafinance.com.
• To cancel your account, see /account-cancellation once signed in.

11) Legal Basis (Glossary)

Legitimate Interest • Performance of Contract • Legal/Regulatory Obligation • Express Consent. Third parties include internal affiliates; authorised providers; regulators and law enforcement; professional advisers.