Terms and Conditions for Koola Capital

1. Introduction
Koola Capital (Pty) Ltd 2021/602709/07, is a credit provider offering working capital and asset finance to small businesses operating in townships across South Africa. By accessing and using this website, you agree to comply with the terms and conditions set forth herein (“Terms”). If you disagree with any of these Terms, please refrain from using the website.

2. Use of the Website
The use of our website is subject to these Terms. You may browse, download, or print pages for your personal use. Unauthorized reproduction or distribution of the content is strictly prohibited. You agree to use the website for lawful purposes only and refrain from using it in any manner that could harm Koola Capital or its users.

3. Online Applications and Funding
By submitting an online application for funding, you agree to provide accurate and truthful information. Koola Capital reserves the right to verify the information provided and approve or deny your application at its sole discretion. Any financing agreement entered into will be governed by a separate contract, which you must agree to before receiving any funds.

4. Privacy and Personal Information
Your personal information will be collected and processed in accordance with our Privacy Policy, which you can review on our website. By using our services, you consent to the collection and use of your personal information as described in the Privacy Policy. We take reasonable measures to protect your information but cannot guarantee its absolute security when transmitted over the internet.

5. Payment Terms
Once funding is approved, repayment will be structured according to the terms in your loan agreement. Koola Capital may offer various payment methods, including QR codes, ATM deposits, deposits with retailers, recurring billing, or payment links over WhatsApp. You are responsible for ensuring that payments are made in accordance with your loan agreement. Failure to do so may result in additional charges or legal action.

6. Intellectual Property
All content on this website, including text, graphics, logos, and software, is the property of Koola Capital or its licensors. Unauthorized use of this content is prohibited. You may not use our intellectual property for any commercial purpose without prior written consent from Koola Capital.

7. Limitation of Liability
Koola Capital provides this website on an “as-is” basis without warranties of any kind. We are not liable for any direct, indirect, or consequential damages arising out of your use of the website or reliance on the information provided. Koola Capital does not warrant that the website will be uninterrupted, error-free, or free from harmful components.

8. Links to Third-Party Websites
Our website may contain links to third-party websites for your convenience. These websites are not under the control of Koola Capital, and we are not responsible for their content, privacy policies, or any damages arising from their use. Access to these third-party websites is at your own risk.

9. Changes to Terms and Conditions
Koola Capital reserves the right to amend these Terms at any time. Changes will be effective immediately upon posting on the website. Your continued use of the website constitutes acceptance of any updates or modifications to these Terms.

10. Governing Law
These Terms are governed by the laws of the Republic of South Africa. Any disputes arising from the use of this website or services provided by Koola Capital will be subject to the exclusive jurisdiction of the courts of South Africa.

11. Contact Information
For any queries or complaints regarding these Terms or our services, please contact us at:
Email: oliver@koolacapital.co.za
Phone: +27825283606