Terms of Use

By accessing or using the MINC Financial Services website (minc.co.za) and any associated digital services ("the Platform"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Platform.

These terms are governed by South African law and comply with the Electronic Communications and Transactions Act 25 of 2002 (ECTA) and the Consumer Protection Act 68 of 2008 (CPA).

MINC Loans (Pty) Ltd (Registration: 2017/539456/07) is a Juristic Representative of Structured Administration Services, an authorised Financial Services Provider. MINC is registered with the National Credit Regulator under NCR registration number NCRCP22194. Funeral cover policies are underwritten by Structured Risk Solutions (Pty) Ltd (FSP 50618).

The Platform provides information about and facilitates applications for:

• MINC Loans: Short-term loans from R500 to R8,000 for salaried South Africans, regulated by the National Credit Act 34 of 2005
• MINC Funeral Cover: Funeral insurance products underwritten by Structured Risk Solutions and regulated by the FSCA

All services are subject to approval, affordability assessment, and eligibility criteria.

To apply for MINC products, you must:

• Be a South African citizen or permanent resident with a valid SA ID
• Be 18 years of age or older
• Be employed (for loan applications) or meet the product-specific requirements
• Not be under debt review or administration (for loan applications)
• Provide accurate and truthful information in your application

By submitting a loan application, you expressly consent to MINC conducting a credit check and affordability assessment as required by the National Credit Act. This includes enquiries with registered credit bureaus.

Submission of an application does not guarantee approval. MINC reserves the right to decline any application without being required to disclose the reason, other than as required by the NCA.

You agree to provide accurate, complete, and current information when using the Platform. Providing false, misleading, or fraudulent information may result in application rejection, cancellation of existing agreements, and may constitute a criminal offence under South African law.

All content on this Platform, including text, graphics, logos, and software, is owned by or licensed to MINC Financial Services and is protected by South African intellectual property laws. You may not reproduce, distribute, or create derivative works without prior written consent.

Your use of the Platform is also governed by our Privacy Policy and POPIA Notice, which are incorporated into these Terms by reference.

To the maximum extent permitted by law, MINC Financial Services shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Platform. Our total liability for any direct damages shall not exceed the amount paid by you (if any) for the service in question.

This limitation does not apply where prohibited by the Consumer Protection Act or National Credit Act.

These Terms of Use are governed by the laws of the Republic of South Africa. Any disputes shall be resolved in accordance with South African law, and you consent to the jurisdiction of the South African courts.

MINC reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting on the Platform. Continued use of the Platform after changes constitutes acceptance of the revised Terms.