Welcome to the Keageoz Home Loans (hereinafter referred to as “Keageoz”)

information “website”. The aim of the Keageoz website is to connect its “clients” and

“visitors” (cumulatively referred to as "you" or "your" hereinafter) with a mortgage

origination company that is involved in sourcing the most appropriate home loans and

related products for our clients with our philosophy of “best advice for home buyers”.

Keageoz is an authorised financial services provider. This website is owned by Keageoz

Pty (Ltd) and all material contained within this website is under copyright.

Keageoz is not a principle lender and is not authorised to bind any lender, nor does it

claim to do so. In order to process your application, Keageoz will need your personal

information including, but not limited to your personal, financial and credit details in order

to complete and submit an application to the lender. The lender’s (also referred to as the

Bank’s) standard credit approval criteria and process will apply to all applications.

Keageoz, including subsidiaries and affiliates provides the information contained on this

website or any of the pages comprising the website to you, subject to the terms and

conditions set out in these website terms and conditions, the privacy policy, copyright

policy and any other relevant terms and conditions, policies and notices which may be

applicable to a specific section or module of this website.

 

Whilst every effort is made to update the information contained on this website, neither

the Keageoz nor any third party or data or content provider make any representations or

warranties, whether express, implied in law or residual, as to the sequence, accuracy,

completeness or reliability of information, opinions, any interest rate information,

research information, data and/or content contained on the website (including but not

limited to any information which may be provided by any third party or data or content

providers) and shall not be bound in any manner by any information contained on the

website. Keageoz reserves the right at any time to change or discontinue without notice,

any aspect or feature of this website. No information shall be construed as advice and

information is offered for information purposes only and is not intended for trading

purposes. You and your company rely on the information contained on this website at

your own risk. If you find an error or omission at this site, please let us know.

The information found on this website or any third party is subject to change without prior

notice, including but not limited to the interest rates, terms and conditions, and any other

information provided. The information generated when making use of the software or

calculators provided is a guideline only, the final result will be confirmed by the lender(s)

involved when completing the transaction. Please ensure that any other party/ies to your

application (i.e. co-applicant, surety) are aware of the terms and conditions and

requirements that will also apply to them.

 

The trademarks, names, logos and service marks (collectively "trademarks") displayed

on this website are registered and unregistered trademarks of Keageoz and business

partners. Nothing contained on this website should be construed as granting any license

or right to use any trade mark without the prior written permission of Keageoz or their

business partners.

 

External links may be provided for your convenience, but they are beyond the control of

Keageoz and no representation is made as to their content. Use or reliance on any

external links and the content thereon provided is at your own risk. When visiting

external links you must refer to that external websites terms and conditions of use. No

hypertext links shall be created from any website controlled by you or otherwise to this

website without the express prior written permission of Keageoz. Please contact us if

you would like to link to this website or would like to request a link to your website.

 

You further agree not to use the website to send or post any message or material that is

unlawful, harassing, defamatory, abusive, indecent, threatening, harmful, vulgar,

obscene, sexually orientated, racially offensive, profane, pornographic or violates any

applicable law and you hereby indemnify Keageoz (including subsidiaries and affiliates)

against any loss, liability, damage or expense of whatever nature which Keageoz or any

third party may suffer which is caused by or attributable to, whether directly or indirectly,

your use of the website to send or post any such message or material.

 

The Website Owner makes no warranties, representations, statements or guarantees

(whether express, implied in law or residual) regarding the website, the information

contained on the website, you or your company's personal information or material and

information transmitted over our system.

 

Keageoz shall not be responsible for and disclaims all liability for any loss, liability,

damage (whether direct, indirect or consequential), personal injury or expense of any

nature whatsoever which may be suffered by you or any third party (including your

company), as a result of or which may be attributable, directly or indirectly, to your

access and use of the website, any information contained on the website, you or your

company's personal information or material and information transmitted over our system.

In particular, neither the Keageoz nor any third party or data or content provider shall be

liable in any way to you or to any other person, firm or corporation whatsoever for any

loss, liability, damage (whether direct or consequential), personal injury or expense of

any nature whatsoever arising from any delays, inaccuracies, errors in, or omission of

any interest rate information or the transmission thereof, or for any actions taken in

reliance thereon or occasioned thereby or by reason of non-performance or interruption,

or termination thereof.

 

Keageoz does not make any warranty or representation that information on the website

is appropriate for use in any jurisdiction (other than the Republic of South Africa). By

accessing the website, you warrant and represent to Keageoz that you are legally

entitled to do so and to make use of information made available via the website.

 

Whilst every effort has been made by Keageoz and its providers of information and

services to ensure the proper performance of this website, the accuracy of the

information/images and the reliability of the binary data on this website, Keageoz, its

affiliated companies, service providers, suppliers, or any of their staff, do not warrant the

availability of website or the data or the accuracy of the data on the website.

We make no representations or warranties, whether express or implied, and assume no

liability or responsibility for the proper performance of this website and/or the accuracy of

the data contained on the website, and your use of the website and the data is thus at

your own risk. In particular we make no warranty that the website or the data will meet

your requirements, be uninterrupted, complete, timely, and secure or error free.
 

These website terms and conditions constitute the sole record of the agreement

between you and the Website Owner in relation to your use of the website. Neither you

nor the Website Owner shall be bound by any express tacit nor implied representation,

warranty, promise or the like not recorded herein. Unless otherwise specifically stated

these website terms and conditions supersede and replace all prior commitments,

undertakings or representations, whether written or oral, between you and Keageoz in

respect of your use of the website.

 

Keageoz may at any time modify any relevant terms and conditions, policies or notices.

You acknowledge that by visiting the website from time to time, you shall become bound

to the current version of the relevant terms and conditions and, unless stated in the

current version, all previous versions shall be superseded by the current version. You

shall be responsible for reviewing the then current version each time you visit the

website.

 

Where any conflict or contradiction appears between the provisions of these website

terms and conditions and any other relevant terms and conditions, policies or notices,

the other relevant terms and conditions, policies or notices which relate specifically to a

particular section or module of the website shall prevail in respect of your use of the

relevant section or module of the website.

 

The Website Owner shall be entitled to cede, assign and delegate all or any of its rights

and obligations in terms of any relevant terms and conditions, policies and notices to any

third party.

 

All provisions of any relevant terms and conditions, policies and notices are,

notwithstanding the manner in which they have been grouped together or linked

grammatically, severable from each other. Any provision of any relevant terms and

conditions, policies and notices, which is or becomes unenforceable in any jurisdiction,

whether due to voidness, invalidity, illegality, unlawfulness or for any reason whatever,

shall, in such jurisdiction only and only to the extent that it is so unenforceable, be

treated as pro non scripto and the remaining provisions of any relevant terms and

conditions, policies and notices shall remain in full force and effect.

 

Any relevant terms and conditions, policies and notices shall be governed by and

construed in accordance with the laws of The Republic of South Africa without giving

effect to any principles of conflict of law. You hereby consent to the exclusive jurisdiction

of the High Court of South Africa in respect of any disputes arising in connection with the

website, or any relevant terms and conditions, policies and notices or any matter related

to or in connection therewith.

 

Keageoz is an authorised financial services provider in terms of section 8 of the

Financial Advisory & Intermediary Services (FAIS) Act, 2002, operating under license

no. 24305. Keageoz has a commitment to comply with all obligations and requirements

under the Financial Advisory & Intermediary Services Act. For a copy of our FAIS license

or for more information about our compliance policies please contact our compliance

officer Johann Cronje on 082 953712.

 

We would greatly appreciate any feedback or comments you may have regarding any

aspect of this website, however, you remain liable to any third party for your comments

and agree not to send any material that is unlawful, harassing, defamatory, abusive,

indecent, threatening, harmful, vulgar, obscene, sexually orientated, racially offensive,

profane, pornographic or violates any applicable law.

At Keageoz we strive to go above and beyond always offering the best service to you

our client with our philosophy of “best advice for home buyers”. We do, however,

recognise that there may be an occasion where you have a complaint that needs to be

resolved. It is in the interest of everyone concerned that we prioritise any complaints you

may have and resolve them as smoothly and efficiently as possible and in line with

current legislation. For a detailed explanation of our complaints procedure please email

complaints@keageoz.com.

If you have any questions, comments or concerns arising from the website, the privacy

policy or any other relevant terms and conditions, policies and notices or the way in

which we are handling your personal information please contact us.

 

The Pre-approval Pledge does not constitute a fixed offer and is subject to the following

terms and conditions:

• This pledge is valid for 90 days from date of issue;

• A Satisfactory valuation of the proposed property is required;

• A Clear Credit record and satisfactory assessment by the relevant lenders (also

referred to as banks);

• The Bank’s standard home loan terms and conditions will apply which may affect the

amount stipulated on the pre-approval;

• This Pre-approval is calculated at current interest rates over a loan term of 20 years,

the amount indicated on this pre-approval will change should the interest rate fluctuate.

Copyright Notice

 

All aspects of this website – design, text, graphics, applications, software, underlying

source code and all other aspects – are copyright www.keageoz.com and its affiliates or

content and technology providers.

In accessing these web pages, you agree that any downloading of content is for

personal, non-commercial reference only. No part of this website may be reproduced or

transmitted in any form or by any means, electronic, mechanical, photocopying,

recording or otherwise, without prior permission of the Website Owner.

For rights clearance please contact us here.

 

At Keageoz, we respect every individual's right to privacy. Our relationship with you is

our most valuable asset and is the very basis of our name and reputation. To better

protect your privacy we provide this notice explaining our online information practices.

The Keageoz Privacy Pledge

Whether you are a Keageoz client or a visitor to the public area of our Web site, we

understand the importance you place on the privacy and security of information that

personally identifies you or your account information. We refer to and treat this

information as "personal information". We extend the following pledge to you:

 

·         We do not sell personal information to anyone.

·         We will only share personal information with others as stated in this pledge, unless we give you additional notice or ask for your permission.

·          We do reserve the right to disclose or report personal information where we believe in good faith that disclosure is required under law, to cooperate with regulators or law enforcement authorities, to perform necessary credit checks or collect or report debts owed to us, to protect our rights or property, or upon reasonable request by a unit trust fund in which you have chosen to invest.

·          Whenever we collect personal information from you, we will reference this pledge and notification or otherwise explain to you how we intend to use that information.

·          We use personal information in ways that are compatible with the purposes for which we originally requested it. For example, we will use the information you give us to process your requests and transactions, to provide you with additional information about products and services, or to evaluate your financial needs. To do so, we may share personal information within the Keageoz Group.

·          We limit the collection and use of personal information to what is necessary to administer our business and to deliver superior service to you. This may include advising you about our products or services, and other opportunities that we believe may interest you. To serve you better, we may combine information you give us on the Web or through other channels.

·          In both the above cases, you may withhold your consent to our doing this, and we will inform you how to exercise that choice. If you do not withhold your consent, we will presume that you have agreed to our continuing the practice. You will not be pressurised for your consent in return for our services and products.

·          We will make reasonable endeavours to protect the confidentiality of any personal information you share with us.

·          When we share personal information within the Keageoz Group, we protect that personal information through a strict Code of Ethics. Companies that we hire to provide support services or act as our agent must conform to our privacy standards.

·          The Keageoz Code of Ethics requires that employees with access to confidential client information may not use or disclose the information except as provided for herein. All employees are required to safeguard such information, as specified in their confidentiality undertakings to Keageoz.We continue to evaluate our efforts to protect personal information and make every effort to keep your personal information accurate and up to date.

·         If you identify any error in your personal information or need to make a change to that information, please contact us and we will promptly update our records.

·          If you have any questions or concerns, please contact us by e-mail at info@keageoz.com.

·         We use non-identifying and aggregate information to better design our website and to share with advertisers. For example, we may tell an advertiser that X number of individuals visited a certain area on our website, or that Y number of men and Z number of women filled out our registration form, but we would not disclose anything that could be used to identify those individuals. Our Commitment to Data Security To prevent unauthorised access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.