Terms of Use – Finpug.co.za
Last updated: 12.12.2025
1. General Provisions
1.1. These Terms of Use of the website Finpug.co.za (hereinafter referred to as the “Terms”) govern the rules for using the website Finpug.co.za by users (hereinafter referred to as the “Users”) and define the rights and obligations of the website owner and operator (hereinafter referred to as the “Administrator”).
1.2. By accessing or using the website Finpug.co.za, the User fully and unconditionally agrees to these Terms.
1.3. The Administrator reserves the right to amend these Terms at any time. Any amendments shall become effective upon publication on the Website.
1.4. The Website Finpug.co.za is of an informational and intermediary nature only. The Administrator is not a financial institution, bank, credit provider, or lender and does not grant loans or credit directly. Any financial products presented originate from third-party providers.
2. Rights and Obligations of the User
2.1. The User has the right to use the Website in accordance with its intended purpose, these Terms, and all applicable laws of the Republic of South Africa.
2.2. The User undertakes to respect copyright and intellectual property rights relating to all content published on the Website.
2.3. It is prohibited to use the Website for unlawful purposes, purposes contrary to public policy or good faith, or in a manner that infringes the rights of third parties.
2.4. The User is solely responsible for all actions performed while using the Website, including the accuracy and legality of any information or content submitted through forms.
2.5. The User undertakes to provide true, accurate, current, and complete information where required to use the Service.
3. Rights and Obligations of the Administrator
3.1. The Administrator reserves the right to modify, update, or remove the content, structure, design, and functionalities of the Website at any time without prior notice to Users.
3.2. The Administrator shall not be responsible for decisions made by Users based on information published on the Website, including decisions related to financial or credit products.
3.3. The Administrator processes Users’ personal information in accordance with applicable South African law, including the Protection of Personal Information Act, 2013 (POPIA) and the Electronic Communications and Transactions Act, 2002 (ECTA), and in accordance with the Privacy Policy available on Finpug.co.za.
3.4. The Administrator may temporarily suspend or restrict access to the Website for technical, maintenance, security, or operational reasons.
4. Liability and Limitation of Liability
4.1. To the maximum extent permitted by applicable law, the Administrator shall not be liable for any damages, losses, or economic harm arising from the use of, or inability to use, the Website.
4.2. The Administrator shall not be responsible for the content, availability, offers, credit decisions, or data protection practices of third parties whose websites or services may be accessed via links from the Website.
4.3. The Administrator does not guarantee that the Website will be available at all times, free of errors, secure, or uninterrupted.
4.4. Where liability cannot be excluded under applicable law, the Administrator’s liability shall be limited to actual and proven direct damages caused by the Administrator.
5. Personal Information Protection
5.1. Users’ personal information is processed in accordance with:
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the Protection of Personal Information Act, 2013 (POPIA),
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the Electronic Communications and Transactions Act, 2002 (ECTA),
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applicable guidance issued by the Information Regulator of South Africa.
5.2. Detailed rules regarding the processing of personal information are set out in the Privacy Policy of Finpug.co.za.
6. Dispute Resolution
6.1. The parties agree to attempt to resolve amicably any disputes arising out of or in connection with the use of the Website.
6.2. If an amicable resolution cannot be reached, disputes shall be submitted to the competent courts of the Republic of South Africa, unless mandatory provisions of law provide otherwise.
7. Governing Law
7.1. These Terms shall be governed by and construed in accordance with the laws of the Republic of South Africa.
7.2. Matters not expressly regulated by these Terms shall be governed by applicable South African laws and regulations.
8. Final Provisions
8.1. These Terms constitute a legally binding agreement between the User and the Administrator from the moment the User begins using the Website.
8.2. The current and valid version of these Terms shall always be available on the Website Finpug.co.za.
Responsible Party (for Personal Information)
Livornica AM LLC
Registered address: Republic of Armenia, Movses Khorenaci St. 26A, 210
Country of registration: Republic of Armenia
Contact email: info@livornica.com
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