M & J Kasi Loans (Pty) Ltd

Registration No: 2023 / 840315 / 07 | NCR Registration No: NCRCP20766

1. Our Commitment to You

At M & J Kasi Loans, responsible lending is at the core of our business. We arecommitted to providing short-term financial support that is fair, transparent, andrespectful of your financial reality. We aim to assist you with temporary reliefwithout exposing you to unnecessary risk or long-term debt cycles.

All lending practices are conducted in accordance with the National Credit Act 34of 2005 and applicable regulatory guidelines.

2. Loan Suitability

Our products are strictly short-term loans ranging from R500 to R8,000 with a fixed repayment period of one month.

• These loans are intended for temporary financial needs only.
• They should not be used as a long-term financial solution or to manageexisting long-term debt.

3. Affordability and Credit Assessments

To protect both the borrower and the lender, every application undergoes amandatory assessment. This includes:

• Credit Checks: We conduct credit checks on all applications to ensureborrowing remains fair and manageable.
• Affordability Assessment: We evaluate your income and expenses to ensurethat you can comfortably repay the loan on your next payday without financialdistress.
• Eligibility: Loans are only available to permanently employed individualsearning a minimum monthly income of R6,000. We do not offer loans toindividuals who are blacklisted or under debt review.

4. Full Transparency

We believe you deserve clear information before making a financial decision.Before any funds are released:

• We provide a complete breakdown of the total repayment amount, which includes the principal debt and the fixed 25% interest rate.
• We confirm your repayment date, which is structured to align with your pay day.
• There are no hidden fees, initiation fees, or service fees added to your repayment.

5. Your Responsibility as a Borrower

As a responsible borrower, we encourage you to:

• Borrow only what you need and what you are certain you can repay.
• Review all terms and repayment details carefully before accepting the loan.
• Contact us immediately if you anticipate any difficulty in making a repayment, so we can address the situation fairly.

6. Consequences of Non-Payment

Failure to meet repayment obligations may result in financial and credit-relatedconsequences:

• A 15% late payment fee may be applied to missed or delayed repayments.
• Continued non-payment may result in collection processes and maynegatively impact your credit score.

M & J Kasi Loans (Pty) Ltd is a registered credit provider committed to ethical andresponsible lending. We encourage all clients to borrow responsibly and to takeinformed steps toward financial stability and long-term well-being.