LEGAL AND COMPLIANCE
Privacy, Terms And Customer Protection
Sibuse Capital is committed to transparency, responsible lending and the protection of your personal information. The information below explains how we work and what you can expect from us.
SECTION 1
Privacy Policy And POPIA
Our commitment. Sibuse Capital respects your privacy and is committed to protecting your personal information in line with the Protection of Personal Information Act 4 of 2013 (POPIA) and applicable South African law.
Information we collect. Your full name and surname, South African ID number, mobile number, email address, employment status, monthly income, the loan amount you require, your preferred repayment period and your preferred contact method. Supporting documents (ID document, payslip, bank statement) are requested only when necessary and only through a channel our team confirms with you.
Why we collect it. To assess your enquiry and affordability, to contact you about your application, to meet legal and regulatory obligations, and to protect against fraud.
Sharing. We share personal information only with service providers who help us operate our business (such as verification and communication providers), where the law requires it, or with your consent. We do not sell your personal information.
Retention and security. We keep personal information only for as long as necessary for the purposes described above or as required by law, and we take reasonable steps to protect it. Please do not send identity documents, payslips or bank statements through unsecured channels.
Your rights. You may request access to, correction of, or deletion of your personal information, object to processing, and lodge a complaint with the Information Regulator (South Africa).
Contact. Email info@sibusecapital.co.za. Information Officer and registration details: to be confirmed.
SECTION 2
Terms And Conditions
Use of this website. By using www.sibusecapital.co.za you agree to these terms. If you do not agree, please do not use the website.
Information only. The content of this website is provided for general information about our short-term loan offering. It does not constitute an offer of credit, a quotation, financial advice or a promise of approval.
Applications and approval. All applications are subject to affordability assessments, applicable lending criteria and approval. Loan amounts, interest, fees and repayment terms applicable to your loan will be set out in your quotation and credit agreement before you accept any offer.
Accuracy of information. You confirm that information you submit through this website is true and correct. Submitting false or misleading information may result in your enquiry being declined.
Intellectual property. The Sibuse Capital name, branding, text and imagery on this website may not be copied or used without our written permission.
Limitation of liability. While we take care to keep information accurate and up to date, we do not warrant that the website will always be available or free of errors. To the extent permitted by law, Sibuse Capital is not liable for any loss arising from reliance on website content.
Governing law. These terms are governed by the laws of the Republic of South Africa.
Changes. We may update these terms from time to time. The current version will always be published on this page.
Company details. Registered name, company registration number, registered address and NCR registration details (where applicable): to be confirmed.
SECTION 3
Responsible Lending Policy
Our approach. Sibuse Capital promotes responsible borrowing. We assess affordability before making any offer, and we do not encourage customers to borrow more than they can reasonably repay.
Affordability assessment. We consider your income, employment status and existing commitments, together with the information and documents you provide. We may request further information or verification before deciding on an application.
Right to decline. We may decline an application where the information provided is incomplete or cannot be verified, or where the assessment indicates that the loan would not be affordable.
Borrow with care. Borrowing costs money. Before accepting an offer, make sure you understand the interest, fees, total cost of credit, repayment amount and repayment date, and that you can afford the repayments.
If you are struggling. Contact us early if you think you may not be able to make a repayment, so that we can discuss the options available to you. Free debt counselling is available in South Africa through registered debt counsellors.
Credit records. Your repayment behaviour may be reported to credit bureaux in accordance with applicable law.
Regulatory information. NCR registration number and other regulatory details (where applicable): to be confirmed.
SECTION 4
Complaints And Dispute Resolution
How to complain. If you are unhappy with our service, email info@sibusecapital.co.za with your name, contact number and a description of your complaint, or send a WhatsApp message to 081 313 7916. We treat every complaint seriously and with respect.
What happens next. We will acknowledge your complaint and investigate the matter, keeping you informed of progress. Specific response timeframes will be confirmed in our complaints procedure.
Escalation. If your complaint cannot be resolved to your satisfaction, you may refer it to the relevant ombudsman or regulator in South Africa, such as the Credit Ombud or the National Credit Regulator, where applicable. Contact details for these bodies are available from them directly and will be listed here once our escalation process has been confirmed.
Privacy complaints. Complaints about the processing of your personal information may be lodged with our Information Officer and with the Information Regulator (South Africa).
SECTION 5
Credit Agreement Disclosures And Company Details
Disclosures before you accept. If your application is approved, you will receive a quotation and a credit agreement that disclose, among other things: the principal amount borrowed; the interest rate and interest amount; all fees and charges; the total cost of credit; the repayment amount or instalments and repayment date or dates; the first instalment date; your right to settle the loan early and how early settlement is calculated; the consequences of late or non-payment, including default interest, collection costs and legal costs; and any insurance or optional products.
Nothing is binding until accepted. Submitting an enquiry on this website does not create a loan agreement and does not oblige you to accept any offer.
Compliance statement. Sibuse Capital intends to conduct its lending activities in line with South African consumer credit and privacy legislation. The specific regulatory registrations applicable to the business will be confirmed and published here.
Company and regulatory details to be confirmed: registered company name; company registration number; registered business address; NCR registration number (where applicable); VAT registration number (where applicable); Information Officer details; complaints and escalation contact details; applicable interest rate, fees and repayment terms for each loan product.
Contact us. Email info@sibusecapital.co.za, or WhatsApp 081 313 7916 / 071 383 1354 during operating hours (08:00 – 18:00).