TERMS OF SERVICE
(South Africa – Finance Services)
Last updated: 23 November 2025
Welcome to MY OWN FINANCE.
By using our website, forms, tools, or services, you agree to the Terms below.
Please read them carefully.
1. DEFINITIONS
“We / Us / Our” refers to MY OWN FINANCE.
“You / Client / User” refers to any person accessing our services.
“Services” refers to vehicle finance assistance, pre-qualification, refinancing, balloon settlement assistance, insurance quotes, and related advisory.
2. NATURE OF OUR SERVICE
MY OWN FINANCE is an independent vehicle finance facilitator.
We:
Compare finance options from multiple banks
Assist with pre-qualification
Submit formal applications with your consent
Provide general guidance (not financial advice)
Are not a bank or credit provider
Final approval is always subject to the policies and requirements of the chosen finance institution.
3. NO GUARANTEED APPROVAL
Submission of a form does not guarantee:
Finance approval
Interest rate
Instalment amount
Vehicle availability
Insurance approval
All outcomes depend on bank assessment, affordability, credit history, and verification.
4. USER RESPONSIBILITY
You agree to:
Provide accurate and complete information
Not submit false, misleading or fraudulent documentation
Inform us if your circumstances change
Use our tools (calculator, forms, etc.) responsibly
Ensure you understand the terms before signing finance contracts
5. OUR RESPONSIBILITIES
We commit to:
Handling your information confidentially
Acting honestly and transparently
Presenting accurate finance options
Complying with POPIA, FAIS, and all applicable laws
Providing customer support through every step
6. THIRD-PARTY BANKS & PARTNERS
We do not control:
Final interest rates
Bank approvals
Insurance provider decisions
Payout timelines
Compliance requirements
We are not liable for delays caused by third parties.
7. USE OF FINANCE TOOLS & CALCULATORS
Our online tools are for estimation only.
They do not constitute:
A quote
A guarantee
Financial or legal advice
Actual figures may differ.
8. LIMITATION OF LIABILITY
We are not liable for:
Loss of income
Rejection of finance
Incorrect information supplied by the user
Actions or decisions made by banks or insurers
Errors caused by system failures beyond our control
Our maximum liability is limited to the value of services rendered (where applicable).
9. INTELLECTUAL PROPERTY
All website content, branding, designs, text, calculators, and data belong to MY OWN FINANCE and may not be copied or used without written permission.
10. TERMINATION
We reserve the right to suspend services if you provide false information or engage in fraudulent activity.
11. GOVERNING LAW
These Terms are governed by the laws of the Republic of South Africa.
12. CONTACT US
For any privacy-related questions:
Email: [email protected]
Phone: 071 689 0110
Address: 14 Sekelbos St, Rangeview Ext 4
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Disclaimer: MY OWN FINANCE is an independent vehicle finance facilitator. We are not a bank or credit provider. All finance approvals, interest rates, instalments and terms are subject to the credit assessment policies of South African banks and authorised finance partners. Calculators and website tools provide estimates only and do not constitute financial advice or a final offer.
POPIA Notice: By using this website or submitting any form, you consent to the secure processing of your personal information as outlined in our Privacy Policy. Your data is encrypted, confidential, and will never be sold or misused.
Terms: All services are provided in accordance with our Terms of Service, including the use of third-party banks, credit bureaus and compliance partners.
Regulatory Compliance: Our processes follow FAIS, FICA, and South African consumer finance guidelines. Final loan terms and approvals remain at the discretion of authorised financial institutions.