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Terms & Conditions

The use of the LegalGuru application form is subject to the Terms and Conditions set out below.

Please take a moment to read this important document.

1. Terms of Service

1.1. The Terms of Service mentioned hereunder shall apply should you (the applicant/client) enter into an agreement with LegalGuru, (hereafter referred to as “LegalGuru”), for the purchase of LegalGuru Membership Package referred to in clause 3 below from LegalGuru.

1.2. Please take your (the applicant/clients’) time to read and thoroughly understand the terms of service herein LegalGuru for LegalGuru Membership Package. These terms of service apply to this website (www.legalguru.co.za) for the purchase of LegalGuru Membership Package referred to in clause 3 below.

1.3. The user (the applicant/client) LegalGuru website(s), admits and/or confirms that the applicant/client hereby irrevocably agrees to the policies and procedures of LegalGuru. This means that the applicant/client has taken the time to read, study and thoroughly understand these terms, Terms of Use, Legal Disclaimer and the Privacy Policy (herein collectively known as the “policies”) of LegalGuru and the/this website www.legalguru.co.za

1.4. The policies are all accessible on LegalGuru website and upon you, the client’s, request.

1.5. The policies will form part of your (the applicant’s/client’s) consent when submitting your (the applicant/clients’) application for LegalGuru’s Membership Package via LegalGuru website and it shall constitute a digital signature (IP Address location, Date and Time of application submission) on your (the applicant/Clients’) digital legally binding and enforceable service mandate and agreement for the irrevocable acceptance of the policies of  LegalGuru, between yourself (the applicant/client) and LegalGuru.

1.6. You (the applicant/client) hereby furthermore confirm that you (the applicant/client) have voluntarily submitted the application for the purchase of LegalGuru’s Membership Package, under no force or duress and at your (the applicant/clients’) own free will. Please contact our offices at 021 286 0864 or email [email protected] should you (the applicant/client) have any queries. Do not submit your (the applicant/client) application if you (the applicant/client) do not agree to or thoroughly understand LegalGuru’s policies and please leave the/this website immediately.

1.7. For the sake of convenience, when reference is made to “the agreement” and / or “an agreement” and / or “this agreement” etc., in these Terms of Service, it refers to the agreement between the applicant / client and LegalGuru for the purchase of LegalGuru Membership Package referred to below.

2. Consumer Rights

2.1. Please note LegalGuru fully subscribes to the consumer protection legislation in South Africa, more specifically the CONSUMER PROTECTION ACT 2008 and REGULATIONS of 2011 (the CPA).

2.2. All provisions in this agreement are in line with the CPA. However, should it be found that any provision of this agreement and the policies are not in line with the CPA, the relevant provision should be considered as not forming part of this agreement and the policies.

2.3. Our staff has been trained with regard to the CPA and such training shall always be refreshed should the need arise.

3. The Service / Product

3.1. The product offered is a 12 (twelve) month fixed-term agreement after which it becomes month to month until cancelled for the following service package (herein referred to as “LegalGuru Membership Package”):

3.1.1 Unlimited Credit Score Reports which will help you determine your current financial position and how to improve your credit rating, which can be accessed through LegalGuru Members Portal.

3.1.2 Access to LegalGuru Members Portal, found on www.legalguru.co.za, which includes articles and/or videos on budgeting, finance, insurance and other topics as well as links to our Endorsed Local Providers.

3.1.3 Access to our list of Endorsed Local Providers for insurance (life, household, car, legal, funeral, accident care), loans and debt counselling. All our Endorsed Local Providers are registered with the Financial Services Board and/or the National Credit Regulator in accordance with relevant legislation.

3.1.4 A complimentary loan finding service/facility, through LegalGuru affiliated panel of registered financial services providers and I “the client” hereby mandate LegalGuru and LegalGuru to submit such application. I “the client” hereby grant LegalGuru and LegalGuru and its affiliates to conduct a credit check from any credit bureau or third-party data base as reasonably required for the purposes of this application and products.

3.1.5 Access to our Platinum Lawyer App which allows the client to submit up to four questions per month to a legal consultant.

4. Duration

4.1. LegalGuru and LegalGuru’s Membership Package is a service for a fixed-term of 12 (twelve) months.

4.2. The 12 (twelve) month period commences from the date your service mandate and agreement has been entered into.

4.3 After the period referred to in paragraph

4.2 the agreement will continue on a month to month basis until explicitly cancelled.

5. Costs of Services

5.1. The costs of the LegalGuru and LegalGuru Membership Package is as follows:
5.1.1. R449.00 (four hundred and forty nine rand) for the first month subscription fee; and

5.1.2. R149 (one hundred and forty nine rand) per month for the remaining 11 (eleven) months.

5.2 The Cost of services may be subject to change and said changes will be communicated to all interested parties whereby the continued use of the services described in section 3 herein constitutes a tacit agreement to the change in pricing.

5.3 Should the client not accept the new pricing, the client has the right to cancel his subscription, subject to a reasonable cancellation fee.

5.4 In addition the above cost of services offer is subject to change yearly and in accordance with the Consumer Price Index.

6. Cooling off period – Direct Marketing

6.1. If the applicant/client has entered into this agreement not via an electronic transaction, and due to direct marketing, the applicant/client may cancel this agreement by notice to LegalGuru in writing, or another recorded manner and form, within five (5) business days after this agreement has been entered into. This cancellation will only be accepted by LegalGuru in a recordable manner (writing and/or telephonic) by e-mail: [email protected] or by calling: 021 286 0864 within the prescribed period as aforementioned.

6.2. LegalGuru will then return any payment received from the applicant/client in terms of this agreement within fifteen (15) business days after receiving the aforementioned cancellation notice.

6.3. During the cooling off period, the applicant/client is to make use of the website namely www.legalguru.co.za to ensure that the applicant/client is happy with the services provided in terms of this agreement.

7. Cooling off period – Non Direct Marketing

7.1. If the applicant/client has entered into this agreement through an electronic transaction, the applicant/client may cancel this agreement within seven (7) business days after this agreement has been entered into. This cancellation will only be accepted by LegalGuru in a recordable manner (writing and/or telephonic) by e-mail: [email protected] or by calling: 021 286 0864 within the prescribed period as aforementioned.

7.2. LegalGuru will then return any payment received from the applicant/client in terms of this agreement within 30 days after successful cancellation of this agreement.

7.3. During the cooling off period, the applicant/client is to make use of the website namely www.legalguru.co.za to ensure that the applicant/client is happy with the services provided in terms of this agreement.

8. Expiration

8.1. On the expiry of this agreement, it will automatically be renewed and continued on a month-to-month basis, subject to any material changes of which LegalGuru has given notice, as contemplated in the CPA, unless the applicant/client expressly—directs LegalGuru to terminate the agreement on the expiry date; or Agrees to a renewal of the agreement for a further fixed term.

8.2 The applicant / client may cancel this agreement as provided in the CPA upon the expiry of its fixed term, without penalty or charge, but the consumer remains liable to LegalGuru for any amounts owed to LegalGuru in terms of the applicant/clients’ agreement up to the date of successful cancellation by either the applicant/client or LegalGuru.

9. Early Termination by the applicant / client

9.1. Should the applicant/client wish to terminate this agreement before the termination date, the applicant/client may do so on 20 business days’ notice in writing or other recorded manner and form to LegalGuru and the applicant/client remains liable to LegalGuru for any amounts owed to LegalGuru in terms of these policies up to the date of successful cancellation by either the applicant/client or LegalGuru.

9.2. In the case of early termination of this agreement by the applicant/client or LegalGuru as aforesaid, LegalGuru shall impose a reasonable cancellation penalty as provided for in the CPA.

10. Breach of Agreement

10.1. Should the applicant / client be in breach of this agreement and/or the terms in the policies, and remain in breach and/or failed to rectify the breach after 20 business days has elapsed after LegalGuru has given written notice to the applicant/client for the failure to comply with the agreement, LegalGuru shall accordingly cancel this agreement.

10.2. Should LegalGuru terminate this agreement due to a breach on the part of the applicant/client, a notice stipulating same would be sent to the applicant/client.

10.3. The applicant/client shall remain liable to LegalGuru for any amounts owed to LegalGuru and LegalGuru in terms of this agreement up to the date of successful cancellation, and LegalGuru shall impose a reasonable cancellation penalty as provided for in the CPA.

10.4. All legal fees associated with the collection of monies owing to LegalGuru in terms of these policies, being it for breach or otherwise shall be paid by, or be liable by the applicant/client on an attorney client scale.

10.5. The applicant/client shall be responsible for all failed debit order costs which currently amounts to R110.00 (one hundred and ten rand) per unsuccessful debit order from the applicant/client to LegalGuru and LegalGuru.

11. Loan Finding Service

11.1. LegalGuru and its employees acts only on instructions / mandate given by the applicant/client to submit a loan application (the loan application form) on their behalf to various financial institutions. LegalGuru and its employees will send the loan referral application form to any of the registered financial institutions that they may see fit. A facsimile, digital and/or email copy of the “loan application form” constitutes the original.

11.2. The costs of LegalGuru Membership Package has no association with a/the loan and/or the loan finding service/facility whatsoever and the applicant/client irrevocably agrees that the Membership Package by LegalGuru is a MANDATORY purchase in order to receive their (the applicant/clients’) complimentary loan finding service/facility.

11.3. The loan finding service/facility is absolutely FREE! And its outcome is NOT GUARANTEED through our (LegalGuru) panel of financial services providers.

11.4. Any funds received by LegalGuru from its Financial Service Providers is income received as a cost of advertising and is not commission as it is NOT a broker.

11.5. LegalGuru’s employees DO NOT provide financial advice as all applicants/clients deal with the registered Financial Services Providers directly, we (LegalGuru) will forward all your (the applicant/clients’) requests and applications to qualified and registered financial service providers, who in turn, will correspond with the applicant/client directly.

11.6. The applicant/client agrees and understands that LegalGuru Membership Package as per clause 3 hereof, the costs thereof has no association with a/the loan and/or the loan finding service/facility whatsoever and the applicant/client hereby irrevocably agrees that LegalGuru Membership Package, offered by LegalGuru is a MANDATORY purchase in order to receive their (the applicant/clients’) complimentary loan finding service/facility.

12. LegalGuru Lawyer App

12.1 By submitting a question or by making use of the services offered through the Platinum Lawyer App, the client confirms that the following terms and conditions has been brought under his/her attention, accepts and understands these terms and conditions and confirms that this is done without any undue influence and out of own free will:

12.1.1 This is a Legal Consulting service intended to save the client time and costs;

12.1.2 The client confirms that no consultation in person is held with an Attorney and that advice is given by legal consultants on this basis;

12.1.3 The client has the obligation to provide all relevant information to the legal question submitted, and if unsure if any information is relevant or not, he/she is hereby informed to rather provide such information to equip the Legal Consultant to thoroughly assess the legal question;

12.1.4 By making use of this service the client confirms that he/she is NOT being represented or advised by an Attorney and that this is NOT an instruction to the Attorney and/or any employees of an Attorney firm to act on their behalf;

12.1.5 The client accepts the cost structure as set out herein.

13. General Information

13.1. When applying telephonically, all applicants/clients are read a confirmation paragraph which explains and confirms all processes about to take place. This will confirm the applicant’s/client’s understanding of the policies and procedures of LegalGuru. If the applicant/client does not accept and/or agree to and/or understand the policies and procedures of LegalGuru, the applicant/client should not proceed with their application for our (LegalGuru) services. All calls are recorded, and the voice recording constitutes the applicant’s/client’s signature of irrevocable acceptance of the LegalGuru and LegalGuru policies.

13.2. All applicants/clients whom apply on www.loansunlimited.co.za are required to “tick” a box after completing the online/electronic application, prior to submitting (Clicking the “SUBMIT” button) the/their online/electronic application which confirms that the applicant/client irrevocably agrees to the policies and procedures of LegalGuru, which the applicant/client has thoroughly read and understood. On the applicant/client submitting the online/electronic application to purchase LegalGuru Membership Package via the LegalGuru and LegalGuru website, a digital legally binding and enforceable service mandate and agreement is automatically generated by the website namely: www.loansunlimited.co.za, which shall include and constitute a “digital signature” (IP address location, Date and Time stamp of Submission) of the applicant/client, for the irrevocable acceptance of the LegalGuru and LegalGuru policies (Terms of Service, Terms of Use, Legal Disclaimer and the Privacy Policy, herein collectively known as the “policies”) which the applicant/client confirms they have thoroughly read, understood and agreed to.

13.3. All documents and/or legally binding and enforceable service mandate and agreements are readily available to all our (LegalGuru) applicants/clients on written request. The written request can be sent to [email protected] or the applicant/client may access the homepage of LegalGuru and LegalGuru website.

14. Use of applicant/client information

14.1. Recorded Telephonic Application: All LegalGuru service consultants act on information provided by new applicants/clients who call 021 286 0864 and this data is entered and saved on to our encrypted Service Management System.

14.2. Online/Electronic Application: New applicants/clients apply through our (LegalGuru and LegalGuru) website namely: www.loansunlimited.co.za, or via one of our affiliate based websites, including, but not limited to Mazuma Loans, Hoopla Loans, and Cherry Loans, or directly on www.legalguru.co.za and enter all their credentials voluntarily on the online/electronic application form with no force or duress and at their (the applicant/clients’) own free will.

14.3 All this information is stored and processed in order to process your (the applicant/client) application for your (the applicant/clients’) Membership Package that you have purchased with LegalGuru. Furthermore, the applicant’s/client’s information will get passed on to a third party for the use of the loan seeking service/facility.

15. Consent to perform Credit Check

The Applicant/Client, hereby consents that, and authorises LegalGuru, or any Third Party through whom LegalGuru may work, at all times: contact, request and obtain information from any credit or service provider (or potential credit or service provider) or registered credit bureau relevant to an assessment of the applicant/client’s behaviour, profile, payment patterns, indebtedness, whereabouts, and creditworthiness.

17. Indemnification by Applicant/Client

17.1 You (the applicant/client) agree to indemnify, defend, and hold harmless LegalGuru and LegalGuru, the LegalGuru and LegalGuru website namely www.loansunlimited.co.za, its investors, contractors, officers, directors, members, managers, partners, shareholders, licensors, suppliers, customers, employees, agents, third-party advertisers, technology providers and service providers from and against any loss, damage, cost, or liability (including, reasonable attorneys’ fees) resulting from or relating in any way to a third-party claim, demand, action or proceeding that arises out of this legally binding and enforceable service mandate and agreement or the LegalGuru and LegalGuru website namely www.loansunlimited.co.za, including but not limited to in relation to: (a) your use, non-use or misuse of, or connection to the LegalGuru and LegalGuru website, the Services and any Content (including without limitation your (the applicant/client) Content and any third party Content) forming part of the website. LegalGuru and LegalGuru and its service provider(s) shall not in any circumstances, be liable to the applicant/client for any direct, indirect or consequential loss or damages including, without limitation, loss of business or profits save to the extent where direct loss or damage arises out of the wilful misconduct or gross negligence by LegalGuru and LegalGuru. For purposes of this Agreement, “wilful misconduct or gross negligence” means any intentional material act or failure or failure to act which seriously and substantially deviates from a diligent course of action and which is in reckless disregard of or indifference to the harmful consequences. The applicant/client indemnifies LegalGuru and LegalGuru and its service providers from and against any loss, damage, costs, expenses and liabilities which the applicant/client may suffer or incur as a result of or in connection with any claim or action by any third party arising out of the actions or omissions of LegalGuru and LegalGuru and its service providers save to the extent that the legal action or claim arises out of fraud; or the wilful misconduct or gross negligence by LegalGuru and LegalGuru. The provisions of this clause will survive termination of this agreement.

18. Acceptance

18.1. All applicants/clients will receive a notification of acceptance of their application for the purchase of the LegalGuru’s Membership Package via email and/or SMS.

18.2. However, once you have submitted your online/electronic application on LegalGuru website name www.legalguru.co.za, or instructing a telephonic agent to do so, these terms becomes binding upon you (the applicant/client).

Consumer Protection Act Notice: As per the requirements of the Consumer Protection Act No. 68 of 2008, should you feel the need to lodge a complaint about the services we provide, kindly forward your complaint to [email protected] We strive to resolve all complaints within 72 hours from date of receipt.