1. Introduction

These Terms and Conditions govern your use of the Liquidfin website and the services offered by Liquidfin (Pty) Ltd ("the Company", "we", "our", or "us"). By accessing or using this website, you agree to comply with and be bound by these Terms and Conditions.

If you do not agree to these Terms, you must not use this website.

2. Nature of Services

Liquidfin provides external debt collection services, specialising in early delinquency collection (EDC) on a commission-only basis, in accordance with applicable South African legislation, including but not limited to:

• The Debt Collectors Act 114 of 1998;
• The National Credit Act 34 of 2005 ("NCA");
• The Protection of Personal Information Act 4 of 2013 ("POPIA");
• The Electronic Communications and Transactions Act 25 of 2002 ("ECTA");
• Applicable rules governing debit order collections and direct-to-trust-account settlement.

3. Use of the Website

You agree:

• To use the website only for lawful purposes;
• Not to interfere with the operation or security of the website;
• Not to upload malicious software or harmful code;
• Not to provide false or misleading information;
• Not to attempt unauthorised access to Liquidfin systems or data.

4. Direct-to-Account Settlement

Where Liquidfin is instructed to collect on a creditor client's behalf, collected payments are settled directly into that creditor's own trust account. Liquidfin does not receive, hold, or transfer collected funds on behalf of its creditor clients.

Any account balances, statements, arrangements, or reporting (including AOD, RPC and Conversion reports) displayed or communicated by Liquidfin are provided for informational purposes only, may be subject to reconciliation and verification, and do not constitute legal or financial advice.

5. Commission Structure

Liquidfin operates on a negotiable, commission-only, no cure–no pay basis for creditor clients placing collection books with us. Specific commission terms are agreed in writing with each creditor client prior to the commencement of collection activity on a placed book.

6. Consumer Accounts

Where Liquidfin makes contact with an individual regarding an overdue account on behalf of a creditor client, such contact will be conducted professionally and in accordance with the National Credit Act and applicable debt collection legislation.

Should you dispute any information relating to your account, you must contact Liquidfin directly using the details on this website.

7. Intellectual Property

All content on this website, including logos, trademarks, text, graphics, and software, is the property of Liquidfin or its licensors and may not be copied, reproduced, or distributed without prior written consent.

8. Limitation of Liability

To the maximum extent permitted by South African law:

• Liquidfin shall not be liable for indirect, incidental, or consequential damages;
• The website is provided "as is" without warranties of any kind;
• Liquidfin does not guarantee uninterrupted or error-free website operation.

9. Third-Party Links and Services

The website may contain links to external websites or reference third-party payment infrastructure. Liquidfin is not responsible for the content, security, or privacy practices of third-party websites or services.

10. Complaints and Disputes

Complaints may be submitted to:

Consumers may also refer complaints to the Council for Debt Collectors, the National Credit Regulator, or other applicable regulatory bodies where appropriate.

11. Amendments

Liquidfin reserves the right to amend these Terms and Conditions at any time. Updated versions will be published on this website.

12. Governing Law

These Terms and Conditions are governed by the laws of the Republic of South Africa.