1. ACCEPTANCE OF TERMS

By accessing, downloading, installing, or using the SNAPCASH a division of KLEVERS HOLDINGS PTY LTD, whether or not you become a registered user ("User", "You", "Yourself", "Your"), You agree to be bound by these Terms, which You acknowledge that You have read and understood.

Upon application, a detailed quote outlining the total loan value and finance fees will be issued to you for approval. No loans will be issued without acceptance of quote.

By applying for SNAPCASH a division of KLEVERS HOLDINGS PTY LTD services, You also give permission to receive electronic, written, verbal and other forms of communication. You reserve the right to opt out of communication at any time.

We reserve the right, at Our sole discretion, to change, modify or otherwise alter these Terms at any time.

Interest rate is 5% for new applications and 3% for repeat applicants.

Annual Percentage Rate (APR) is between 174.32% and 239.65%.

You must review these Terms & Conditions on a regular basis to keep yourself informed of any changes.

2. HOURS OF OPERATION

SNAPCASH a division of KLEVERS HOLDINGS PTY LTD corporate office is open Monday to Friday 8:00a.m. - 4p.m. CAT.

We close for all government observed holidays.

These policies and procedures applies to all SNAPCASH a division of KLEVERS HOLDINGS PTY LTD products sold on this site or any other site owned by SNAPCASH a division of KLEVERS HOLDINGS PTY LTD that includes a link to these pages:

www.snapcash.co.za

3. NON-PAYMENT

The only way costs will mount beyond our initial calculation is if you do not comply with the terms of the loan agreement. If our first collection attempt is declined by your bank - because you have not made sure that there are enough funds available - we will do our best to contact you as soon as possible, as we always hope to resolve the situation as quickly as possible. However, your bank may charge you for not having sufficient funds available in your account.

We will then make further attempts to collect the money from your account and our professional collections team will also keep trying to contact you to discuss the situation. If your circumstances have changed significantly, they will do their best to offer a solution and come to an arrangement that helps you best, which is always our goal.

We do not believe in charging you with ongoing and multiple charges, like most lenders, but interest will continue to mount on your balance for up to 90 days if we cannot reach a fair agreement in the meantime. If we do not reach an agreement and we cannot recover the money over a reasonable period, your account will be passed to an external collections partner.

Continued failure to repay a loan will also mean credit bureaus will record the outstanding debt. Records remain on file for a number of years after they are closed, whether settled by you or defaulted.

Finally, your rating with SNAPCASH a division of KLEVERS HOLDINGS PTY LTD will be affected and you probably won't be able to borrow from us again.

None of these things are worth the risk, so if you have doubts about whether you'll be able to comfortably repay a loan, please do not apply in the first place.

4. INTELLECTUAL PROPERTY

You agree that the SNAPCASH a division of KLEVERS HOLDINGS PTY LTD, including but not limited to SNAPCASH a division of KLEVERS HOLDINGS PTY LTD Products and services, graphics, user interface, audio clips, video clips, editorial content, templates and the scripts and software used to implement SNAPCASH a division of KLEVERS HOLDINGS PTY LTD, contains proprietary information and material that is owned by SNAPCASH a division of KLEVERS HOLDINGS PTY LTD and/or its licensors, and is protected by applicable intellectual property and other laws, including but not limited to copyright. You agree that you will not use such proprietary information or materials in any way whatsoever except for use of the SNAPCASH a division of KLEVERS HOLDINGS PTY LTD Services in compliance with this Agreement. No portion of the SNAPCASH a division of KLEVERS HOLDINGS PTY LTD may be reproduced in any form or by any means, without expressed written permission from SNAPCASH a division of KLEVERS HOLDINGS PTY LTD. You agree not to modify, rent, lease, loan, sell, distribute, or create derivative works based on the SNAPCASH a division of KLEVERS HOLDINGS PTY LTD Services in any manner, and you shall not exploit the SNAPCASH a division of KLEVERS HOLDINGS PTY LTD brand in any unauthorized way whatsoever, including, but not limited to, by trespass or burdening network capacity.

Notwithstanding any other provision of this Agreement, SNAPCASH a division of KLEVERS HOLDINGS PTY LTD and its licensors reserve the right to change, suspend, remove, or disable access to any KLEVERS HOLDINGS PTY LTD products, content, or other materials comprising a part of the SNAPCASH a division of KLEVERS HOLDINGS PTY LTD brand at any time without notice. In no event will SNAPCASH a division of KLEVERS HOLDINGS PTY LTD be liable for making these changes. SNAPCASH a division of KLEVERS HOLDINGS PTY LTD may also impose limits on the use of or access to certain features or portions of SNAPCASH a division of KLEVERS HOLDINGS PTY LTD services, in any case and without notice or liability.

All copyrights in and to SNAPCASH a division of KLEVERS HOLDINGS PTY LTD (including the compilation of content, postings, links to other Internet resources, and descriptions of those resources) and related software are owned by SNAPCASH a division of KLEVERS HOLDINGS PTY LTD and/or its licensors, who reserve all their rights in law and equity. THE USE OF THE SOFTWARE OR ANY PART OF SNAPCASH a division of KLEVERS HOLDINGS PTY LTD, EXCEPT FOR USE OF SNAPCASH a division of KLEVERS HOLDINGS PTY LTD AS PERMITTED IN THIS AGREEMENT, IS STRICTLY PROHIBITED AND INFRINGES ON THE INTELLECTUAL PROPERTY RIGHTS OF OTHERS AND MAY SUBJECT YOU TO CIVIL AND CRIMINAL PENALTIES, INCLUDING POSSIBLE MONETARY DAMAGES, FOR COPYRIGHT INFRINGEMENT.

SNAPCASH a division of KLEVERS HOLDINGS PTY LTD, the SNAPCASH a division of KLEVERS HOLDINGS PTY LTD logo, other SNAPCASH a division of KLEVERS HOLDINGS PTY LTD trademarks, service marks, graphics, and logos used in connection with SNAPCASH a division of KLEVERS HOLDINGS PTY LTD are trademarks or registered trademarks of SNAPCASH a division of KLEVERS HOLDINGS PTY LTD in the Republic of South Africa and/or other countries. Other trademarks, service marks, graphics, and logos used in connection with SNAPCASH a division of KLEVERS HOLDINGS PTY LTD Services, for example Microsoft Office, National Credit Regulator, are trademarks of their respective owners. You are granted no right or license with respect to any of the aforesaid trademarks and any use of such trademarks.

5. LEGAL

KLEVERS HOLDINGS PTY LTD is a Company Registered in South Africa. Registration Number: 2013/156128/07.

Registered Address: 15TH Floor, Denor House,356 Smith Street, Durban 4000

SNAPCASH a division of KLEVERS HOLDINGS PTY LTD is registered with the National Credit Regulator (NCRCP6829).

6. RENEWAL POLICY

All our loans are fixed term loans. Each loan is subject to a separate agreement which ends as soon as the loan has been repaid.

The loan agreements do not automatically renew. Therefore, SNAPCASH a division of KLEVERS HOLDINGS PTY LTD does not have a renewal policy.

Subsequent loans require a new loan agreement to be entered into.

Should you be unable to repay a loan by the agreed due date, then arrangements can be made, provided that the terms of such an extension is agreed upon by all parties within a period of no more than 5 days from the original payment date.

The extension of a payment date does not constitute a Renewal.

7. CUSTOMER SERVICE

If you have questions or comments regarding SNAPCASH a division of KLEVERS HOLDINGS PTY LTD products, please WhatsApp on 079 989 5707.

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