Terms of Use

Welcome to MyPocketSmart. By accessing or using our website and services, you agree to be bound by these Terms of Use. If you do not agree, please do not use our platform.

1. About MyPocketSmart

MyPocketSmart is a South African digital financial media and lead-generation platform. We provide educational content, financial readiness assessments, and referral services to help consumers explore financial options offered by third-party providers.

Important: MyPocketSmart is not a registered credit provider, lender, bank, insurer, or debt counsellor. We do not grant credit, make lending decisions, or provide regulated financial advice.

2. Eligibility

Our services are intended for individuals aged 18 and over who are resident in South Africa. By using our platform, you confirm that you meet these requirements and that the information you provide is accurate and complete.

3. Use of the Platform

You agree to use MyPocketSmart only for lawful purposes. You may not:

• Provide false, misleading, or fraudulent information
• Use the platform to harm, harass, or impersonate others
• Attempt to gain unauthorised access to our systems or data
• Scrape, copy, or reproduce content without our written permission
• Use automated tools to submit forms or generate leads in bulk

4. Financial Readiness Assessment

Our assessment tool is provided free of charge for informational purposes. Submitting the assessment does not guarantee approval for any financial product, nor does it constitute an application for credit.

By submitting the assessment, you consent to being contacted by MyPocketSmart regarding your enquiry and to being referred to relevant third-party partners where appropriate. You may withdraw this consent at any time by contacting us.

5. Third-Party Partners

MyPocketSmart may refer users to independent financial service providers including lenders, debt consolidation companies, and funding partners. These providers operate under their own terms, privacy policies, and regulatory licences.

We do not control, endorse, or guarantee the products, services, or conduct of any third-party partner. Any agreement you enter into with a partner is solely between you and that provider.

MyPocketSmart may receive compensation from partners through affiliate, cost-per-lead (CPL), cost-per-click (CPC), or cost-per-acquisition (CPA) arrangements. This does not affect the price you pay to a partner provider.

6. Educational Content

All content on MyPocketSmart — including articles, tips, and assessment results — is for general educational and informational purposes only. It does not constitute financial, legal, or tax advice.

You should seek independent professional advice before making significant financial decisions. MyPocketSmart accepts no liability for decisions made based on information provided on this platform.

7. Intellectual Property

All content, branding, logos, text, graphics, and software on this website are owned by or licensed to MyPocketSmart and are protected by South African and international intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

8. Limitation of Liability

To the fullest extent permitted by law, MyPocketSmart and its directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the platform, reliance on its content, or interactions with third-party partners.

Our platform is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.

9. Indemnification

You agree to indemnify and hold harmless MyPocketSmart from any claims, losses, or damages arising from your breach of these Terms, misuse of the platform, or violation of any applicable law.

10. Privacy

Your use of MyPocketSmart is also governed by our Privacy Policy and POPIA Compliance Statement, which explain how we collect and process your personal information.

11. Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Updated terms will be posted on this page with a revised date. Continued use of the platform after changes constitutes acceptance of the updated terms.

12. Governing Law

These Terms are governed by the laws of the Republic of South Africa. Any disputes shall be subject to the exclusive jurisdiction of the courts of South Africa.

13. Contact

For questions about these Terms of Use, contact us at:

MyPocketSmart
Email: info@mypocketsmart.co.za
Website: mypocketsmart.co.za

Disclaimer

MyPocketSmart provides information and lead-generation services only. We are not a financial advisor, lender, debt counsellor, or registered credit provider under the National Credit Act.

All content on this website is for educational purposes. Partner referrals do not constitute an endorsement or recommendation of any specific product or provider. Financial decisions should be made based on your own circumstances and, where appropriate, independent professional advice.

Submitting an assessment or enquiry through MyPocketSmart does not guarantee access to credit or any financial product. All applications are subject to the approval criteria and terms of the relevant third-party provider.

MyPocketSmart makes reasonable efforts to ensure information on this site is accurate and up to date, but we do not warrant the completeness or accuracy of any content. We are not responsible for errors, omissions, or outcomes resulting from reliance on site content.