Terms of service

1. Who we are

We are GetBitcoinLoans (Pty) Ltd, registration number 2025/573818/07, a licensed financial services provider (FSP 55552) and a registered credit provider (NCRCP22583). Our registered address is 1st Floor, Paramount Place, 105 Main Road, Green Point, Cape Town, 8005. In these terms, “we”, “us” and “our” mean GetBitcoinLoans, and “you” and “your” mean the person using our website or app. “Our site” means our website at getbitcoinloans.co.za and our app.

2. Using our site and accepting these terms

By accessing or using our site, you accept these terms and agree to use the site only as they allow. You confirm that you are at least 18 years old and able to enter into a binding agreement. If you use the site on behalf of a company or other entity, you confirm you are authorised to accept these terms for it.

3. How these terms fit with our other documents

These terms cover the site. Your Loan Agreement covers any loan. Where anything in these terms conflicts with your Loan Agreement in relation to a loan, the Loan Agreement applies. Our Privacy Policy covers how we collect and use your personal information. Nothing in these terms reduces any right you have under the National Credit Act, the Consumer Protection Act, or other law that cannot be excluded.

4. Your account

You may need to create an account to use parts of the site. You agree to give accurate and complete information and to keep it current. You are responsible for keeping your login details secure and for activity that happens under your account. Tell us promptly at security@getbitcoin.loans if you think your account has been accessed without your permission. We may suspend or close an account if you break these terms, or where we are required to by law or by our compliance obligations.

5. Using our site properly

You agree to use our site lawfully and not to:

• use it for any unlawful, fraudulent or harmful purpose;
• interfere with or disrupt the site, its security, or its underlying systems;
• try to gain unauthorised access to any part of the site, other accounts, or our systems;
• copy, scrape, harvest or extract data from the site by automated means without our written consent;
• reverse engineer or attempt to derive the source code of the site or app, except to the extent the law allows;
• submit false information, or impersonate any person or entity; or
• upload anything that infringes another person’s rights or contains malicious code.

6. Information on our site is not advice or an offer

The information on our site is general information about us and our product. It is not financial, legal or tax advice, and you should not rely on it as advice for your own situation. Any tools we provide, such as a loan calculator, give estimates for illustration only. They are not a quote, an offer of credit, or a promise of any particular loan or rate.

Nothing on our site is an offer to lend. Any loan is subject to your application, our identity and affordability checks, our compliance requirements, and the terms of the Loan Agreement, and we may decline an application. A loan is only agreed when you and we accept a Loan Schedule under the Loan Agreement.

7. Bitcoin and market information

Bitcoin is volatile and its value can fall as well as rise. Where our site shows a bitcoin price or similar market information, it may come from third-party sources, may be delayed, and may not match the price used for any loan. The price and other terms that apply to a loan are set out in the Loan Agreement, not on the general site.

8. Our intellectual property

The content, design, software, text, graphics and logos on our site are owned by us or licensed to us, and are protected by law. We give you a limited, personal, non-transferable permission to use the site for its intended purpose. You may not copy, reproduce, distribute or create derived works from any part of the site without our written consent. “GetBitcoinLoans” and our logo are our trade marks and may not be used without our permission.

9. Third-party links and services

Our site may link to, or rely on, third-party sites and services, such as crypto-asset exchanges, price sources and payment providers. We do not control these and are not responsible for their content, availability, or terms. Using a third-party service is between you and that third party, on their terms.

10. Availability of the site

We provide our site on an “as is” and “as available” basis. We may change, suspend or withdraw any part of it, and may carry out maintenance that makes it temporarily unavailable. We work to keep the site available and accurate, but we do not guarantee that it will be uninterrupted, error-free or always up to date. Where our systems are unavailable, your obligations under any Loan Agreement continue as set out there.

11. Security and responsible disclosure

We take reasonable measures to keep our site and your information secure. You also play a part: keep your device and login details secure, and be alert to phishing. If you find or suspect a security weakness, please report it to us at security@getbitcoin.loans and give us a reasonable chance to address it before disclosing it to anyone else. Do not test our security without our written permission.

12. Our liability

To the fullest extent the law allows, we are not liable for indirect or consequential loss, or for loss arising from your use of, or inability to use, the site, from any error or omission in general site information, or from your reliance on it. Nothing in these terms excludes or limits any liability that cannot be excluded or limited by law, including liability for fraud or under the Consumer Protection Act. Our liability in connection with a loan is dealt with in the Loan Agreement, not here.

13. Your responsibility to us

You are responsible for loss or damage we reasonably suffer as a result of your misuse of the site or your breach of these terms, to the extent the law allows.

14. Privacy and cookies

How we handle your personal information is set out in our Privacy Policy. Our site uses cookies and similar technologies, explained in our Privacy Policy. By using the site you agree to that use, except for cookies you can decline where we offer the choice.

15. Changes to these terms

We may update these terms from time to time. The current version and its effective date will always be on this page. Where a change is material, we will bring it to your attention. If you keep using the site after a change takes effect, you accept the updated terms.

16. Complaints and governing law

If you have a concern about the site, please contact us first at hello@getbitcoin.loans and we will try to resolve it. These terms are governed by South African law, and the South African courts have jurisdiction. Anything about a loan follows the complaint and dispute process in the Loan Agreement, including the statutory avenues available to you under the National Credit Act.

17. How to contact us

GetBitcoinLoans (Pty) Ltd, PO Box 16350, Vlaeberg, Cape Town, Western Cape, 8018

General queries: hello@getbitcoin.loans

Privacy and data queries (our Information Officer): privacy@getbitcoin.loans

Security reports: security@getbitcoin.loans