Our Terms and Conditions

These terms govern your use of DotMe Capital’s website and financial services, ensuring compliance with the National Credit Act (NCA) and other South African regulations.

1. Definitions

In these Terms and Conditions, the following definitions apply:

  • "DotMe Capital": DOTME CAPITAL (PTY) LTD, a registered credit provider under the National Credit Regulator (NCR) with registration number NCRCP19913, hereafter referred to as "we," "us," or "our."
  • "Website": The website located at www.dotmecapital.co.za.
  • "User": Any individual or entity accessing the website or our services, referred to as "you," "your," or "yourself."
  • "Loan": Any financial product offered by DotMe Capital, including payday loans, personal loans, merchant cash advances, or long-term business finance.
  • "Privacy Policy": Our separate policy outlining the collection, use, and protection of personal information, available at Privacy Policy.

2. Acceptance of Terms

By accessing or using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree, please refrain from using our website or services. These terms apply to all users, including prospective borrowers, business partners, and other parties.

3. Loan Agreements

In compliance with the National Credit Act (NCA), the following terms apply to loan agreements:

  • Application Process: Submitting a loan application does not guarantee approval. Approval is subject to our credit assessment, including credit checks, affordability assessments, and compliance with NCA requirements.
  • Loan Terms: Approved loans are governed by a separate loan agreement, which will detail the principal amount, interest rates, fees, repayment schedule, and total cost of credit, as required by Section 93 of the NCA.
  • Consumer Rights: You have the right to receive a pre-agreement statement and quotation, a cooling-off period (5 business days for certain agreements under Section 16 of the CPA), and the right to settle the loan early without penalty, subject to Section 125 of the NCA.
  • Default: Failure to meet repayment obligations may result in legal action, credit bureau reporting, and additional costs (e.g., collection fees), as permitted by the NCA.

4. Marketing and Promotions

Promotional offers and marketing materials are subject to the following:

  • Eligibility: Offers are subject to credit assessment, affordability checks, and final approval by DotMe Capital.
  • Transparency: All promotional materials comply with the CPA, providing clear terms and conditions at the time of application.
  • Modifications: We reserve the right to modify or withdraw promotional offers at any time without prior notice.

5. Website Usage

You agree to use our website in accordance with the following:

  • Lawful Use: Use the website only for lawful purposes and in a manner that does not infringe the rights of others or disrupt website functionality.
  • Prohibited Actions: You may not engage in activities that damage, disable, or impair the website, including hacking, introducing viruses, or attempting unauthorized access.
  • Availability: We do not guarantee uninterrupted access to the website and are not liable for disruptions, delays, or errors.

6. Intellectual Property

All content on our website, including text, graphics, logos, trademarks, and software, is the property of DotMe Capital or its licensors and is protected by South African and international intellectual property laws. Unauthorized use, reproduction, or distribution of any content is prohibited and may result in legal action.

7. Third-Party Links

Our website may include links to third-party websites for convenience. These links do not imply endorsement, and we are not responsible for the content, accuracy, or availability of these sites. Use third-party websites at your own risk and review their terms and privacy policies.

8. User Feedback and Content

We welcome feedback but reserve the right to remove or edit content that is unlawful, defamatory, or inappropriate. You are responsible for any content you submit, and we are not liable for third-party claims arising from your submissions.

9. Security and Data Protection

We implement reasonable security measures, including encryption and secure servers, to protect your information, as detailed in our Privacy Policy. However, no system is completely secure, and we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.

10. Limitation of Liability

The website and services are provided "as is" without warranties of any kind. We are not liable for:

  • Errors, inaccuracies, or omissions in website content.
  • Damages arising from website use or inability to use, including loss of profits, data, or other intangible losses.
  • Viruses or harmful components, provided we take reasonable precautions.

11. Dispute Resolution

In the event of a dispute:

  • Contact our support team at support@dotmecapital.co.za or 010 593 4949 to resolve the issue.
  • If unresolved, disputes may be escalated to the NCR (www.ncr.org.za) or FSCA (www.fsca.co.za), as applicable.
  • Parties agree to attempt mediation before pursuing litigation, as required by South African law.

12. Changes to Terms

We may update these Terms and Conditions at any time without prior notice. The latest revision date is indicated below. Continued use of our website or services after updates signifies your acceptance of the revised terms.

Last Updated: July 16, 2025

13. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of the Republic of South Africa. Any disputes arising from these terms are subject to the exclusive jurisdiction of South African courts.

14. ECTA Disclosures

In compliance with the Electronic Communications and Transactions Act (ECTA), we provide the following disclosures:

  • Full Name and Legal Status: DOTME CAPITAL (PTY) LTD, a private company registered in South Africa.
  • Registration Number: 2024 / 329445 / 07.
  • NCR Registration: NCRCP19913, registered with the National Credit Regulator.
  • Physical Address: 46 Braun Street, Verwoerdpark, Alberton, 1449 (Remote).
  • Contact: Email: info@dotmecapital.co.za, Phone: 010 593 4949.
  • Website: www.dotmecapital.co.za.

15. Entire Agreement and Severability

These Terms and Conditions, together with our Privacy Policy and any loan agreements, constitute the entire agreement between you and DotMe Capital. If any provision is found unenforceable, it will be severed, and the remaining provisions will remain valid and enforceable.

16. Contact Us

For questions, concerns, or disputes regarding these Terms and Conditions, please contact:

Connect with Our Capital Specialists

Book a consultation to discuss your financial needs or apply for a loan with DotMe Capital today.