Terms of Service (ToS)

Effective Date: 08 May 2025 Last Updated: 08 May 2027

1. Introduction

Welcome to The Ant Capital (Pty) Ltd (“The Ant Capital”, “we”, “us”, “our”). These Terms of Service govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms.

2. Company Information

The Ant Capital (Pty) Ltd

3. Description of Services

We offer:

  • Purchase Order Funding applications for SMMEs via our website.
  • Short-Term Personal Loan applications for qualifying individuals.
  • Customer support via WhatsApp or email directly accessible through the website.

4. Eligibility Criteria

Users must be 18 years or older. Specific requirements:

  • Purchase Order Funding: Valid SA ID, signed PO, supplier invoice, CSD report, business info, and client contact details.
  • Short-Term Loans: Valid SA ID, 3 months' payslips and bank statements, personal details. Credit checks, employment verification, and bank statement validation will apply.

5. User Responsibilities

You agree to:

  • Provide accurate and up-to-date personal, financial, and business information.
  • Keep contact information current.
  • Not misuse or misrepresent information for fraudulent applications.

6. Account Creation

To monitor application progress or upload documents securely, users may register an account via our platform. You are responsible for maintaining the confidentiality of your login credentials.

7. Payment Terms

No payments are processed directly on the website. Loan disbursements or PO funding arrangements are finalized off-platform with appropriate agreements.

8. Disclaimers & Limitations

  • We do not guarantee funding—all applications are subject to verification and internal risk assessments.

  • We do not offer financial advice—information on this site is for informational purposes only.

  • The Ant Capital is not liable for any loss, delay, or damage arising from system outages, cyber breaches, or inaccurate information provided by the user.

  • The user assumes full responsibility for any consequences resulting from submitting incorrect or false information.

9. Termination of Services

We reserve the right to suspend or terminate your access to the website or services if:

  • You submit fraudulent or false documentation.
  • You violate these Terms of Service.
  • You engage in abusive or illegal behavior through the platform.

10. Intellectual Property

All content, trademarks, and design elements on this website are the intellectual property of The Ant Capital (Pty) Ltd. You may not copy, distribute, or reproduce any part without prior written consent.

11. Third-Party Services

Our platform uses third-party software and tools, including but not limited to:

  • Meta Services (Facebook Pixel, WhatsApp)
  • Google Services (Analytics, reCAPTCHA, Ads)
  • CRM and email marketing tools
  • Cookie and remarketing tools

These tools may collect data subject to their own privacy policies. We do not control how they use your data.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of South Africa. Any disputes will first be resolved through arbitration in accordance with the Arbitration Foundation of Southern Africa (AFSA) rules. If unresolved, legal recourse may be pursued in the courts of South Africa.

13. Changes to the Terms

We reserve the right to update these Terms at any time. We will notify users via website banners or email where appropriate. Continued use constitutes acceptance of any changes.

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