Terms and Conditions of Use

These Terms and Conditions of Use ("Terms") govern access to and use of the website located at homerefinancingguide.com (the "Website") operated by homerefinancingguide Proprietary Limited (Pty) Ltd, trading as homerefinancingguide ("we", "us", "our"). By accessing or using the Website, or by purchasing goods or services offered through it, you ("User", "you") agree to be bound by these Terms in full. If you do not accept these Terms, you must not use the Website.

1. Company Details

2. Acceptance of Terms

These Terms constitute a legally binding agreement between you and homerefinancingguide Proprietary Limited (Pty) Ltd, governed by the laws of the Republic of South Africa, including but not limited to the Electronic Communications and Transactions Act 25 of 2002 ("ECTA"), the Consumer Protection Act 68 of 2008 ("CPA"), where applicable, and the Protection of Personal Information Act 4 of 2013 ("POPIA"). Your continued use of the Website following any amendment to these Terms constitutes acceptance of the amended Terms.

3. Eligibility

You must be at least 18 years of age, or possess the legal capacity to conclude a binding agreement under South African law, to use this Website. By using the Website you warrant that you meet this requirement.

4. Use of the Website

You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of the Website by, any third party. Prohibited conduct includes, without limitation:

• Uploading or transmitting any material that is unlawful, defamatory, obscene, or infringes any intellectual property or other proprietary right;
• Attempting to gain unauthorised access to the Website, servers, or networks connected to the Website;
• Introducing viruses, trojans, worms, or other material that is malicious or technologically harmful;
• Using any automated system, including "robots" or "spiders", to access the Website without our prior written consent;
• Engaging in conduct that restricts or inhibits any other person from using or enjoying the Website.

5. Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, software, and the compilation thereof, is the property of homerefinancingguide Proprietary Limited (Pty) Ltd or its licensors and is protected by South African and international copyright, trademark, and other intellectual property laws. No content may be reproduced, distributed, republished, or transmitted in any form without our prior written consent, save for personal, non-commercial use.

6. Products, Services and Pricing

We take reasonable care to ensure that descriptions and prices of products and services published on the Website are accurate at the time of publication. Prices are quoted in South African Rand (ZAR) and, unless otherwise stated, are inclusive of value-added tax ("VAT") at the applicable statutory rate. We reserve the right to correct any pricing or descriptive errors, and to amend prices, without prior notice. Where the Consumer Protection Act applies to a transaction, nothing in these Terms limits any right or remedy afforded to you as a consumer under that Act.

7. Orders and Payment

Submission of an order through the Website constitutes an offer to purchase, which we may accept or decline at our discretion. A binding agreement is formed only upon our written confirmation of the order. Payment must be made by the methods indicated on the Website. We reserve the right to refuse or cancel any order where we suspect fraud, error, or a breach of these Terms.

8. Disclaimer of Warranties

The Website and its content are provided "as is" and "as available" without warranty of any kind, whether express or implied, save for those warranties that cannot lawfully be excluded under South African law. We do not warrant that the Website will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected.

9. Limitation of Liability

To the maximum extent permitted by law, homerefinancingguide Proprietary Limited (Pty) Ltd, its directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential loss or damage arising out of or in connection with your use of, or inability to use, the Website, including but not limited to loss of profit, business, data, or goodwill, whether arising in contract, delict, or otherwise. Nothing in these Terms is intended to exclude or limit liability that cannot lawfully be excluded or limited under South African law, including liability arising from gross negligence or wilful misconduct.

10. Indemnity

You agree to indemnify and hold harmless homerefinancingguide Proprietary Limited (Pty) Ltd, its directors, employees, and agents against any claim, loss, liability, damage, or expense (including reasonable legal costs) arising from your breach of these Terms or your unlawful use of the Website.

11. Third-Party Links

The Website may contain links to third-party websites. Such links are provided for convenience only and do not constitute an endorsement of the linked website. We accept no responsibility for the content, accuracy, or practices of any third-party website.

12. Privacy and Cookies

Our collection, use, and processing of personal information is governed by our Privacy Policy, which is prepared in accordance with the Protection of Personal Information Act 4 of 2013 ("POPIA") and forms part of these Terms. Our use of cookies and similar tracking technologies is set out in our Cookie Policy. Both documents are available on the Website.

13. Suspension and Termination

We reserve the right, at our sole discretion and without notice, to suspend or terminate your access to the Website in the event of a breach of these Terms or for any other reason we deem appropriate, including maintenance or discontinuation of the Website.

14. Variation

We may amend these Terms from time to time. The revised Terms will be published on this page with an updated effective date. Continued use of the Website after publication of amended Terms constitutes acceptance of those amendments.

15. Severability

Should any provision of these Terms be found by a competent court or tribunal to be unlawful, invalid, or unenforceable, that provision shall be severed and the remaining provisions shall continue in full force and effect.

16. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Republic of South Africa. You consent to the non-exclusive jurisdiction of the South African courts in respect of any dispute arising from or in connection with these Terms or your use of the Website.

17. Complaints and Dispute Resolution

Should you have any complaint regarding the Website or these Terms, please contact us at info@homerefinancingguide.com or +27 15 475 4482 in the first instance. We will endeavour to resolve any complaint promptly and in good faith.

18. Contact Us

For any queries regarding these Terms, please contact:

These Terms were last updated in 2026.