Skip to main content

Terms and Conditions

All financial amounts on this website are in South African Rand (ZAR)

  1. Introduction:

This website is operated by Lndr Business Credit (PTY) LTD branded as Lndr Business (hereinafter referred to as “Lndr” for ease of reference). The terms such as “we”, “us”, and “our” refer to Lndr. The use of our website is subject to the following terms and conditions of use, as amended from time to time (the “Terms” for ease of reference). The Terms are to be read together by you (“The Client”) with any terms, conditions or disclaimers provided in the pages of our website. Please review the Terms carefully. The Terms apply to all users of our website, including without limitation, users who are browsers, Clients, merchants, vendors and/or contributors of content. If you access and use this website, you accept and agree to be bound by and comply with the Terms and our Privacy Policy. If you do not agree to the Terms or our Privacy Policy, you are not authorized to access our website, use any of our website’s services, or place an order on our website.

  1. Use of our website:

You agree to use our website for legitimate purposes and not for any illegal or unauthorized purpose, including without limitation, in violation of any intellectual property or privacy law. By agreeing to the Terms, you represent and warrant that you are at least 18 (Eighteen) years old and have the legal capacity to enter a binding contract. You agree not to use our website to conduct any activity that would constitute a civil or criminal offense or violate any law. You also agree not to attempt to disrupt or interfere with our website’s network or security features or gain unauthorized access to our systems. To complete your transaction or contact you as needed, you agree to provide us with accurate personal information such as your email address, mailing address, and other contact details. You also agree to keep your account and information up to date. By accepting the Terms, you give us permission to collect and use this information to contact you in accordance with our Privacy Policy.

  1. General conditions:

We reserve the right to refuse service to anyone, at any time, for any reason. We also reserve the right to modify the website, including terminating, changing, suspending, or discontinuing any aspect of the website at any time, without prior notice. We may also establish additional rules or limitations on the use of our website. It is your responsibility to regularly review the Terms, and your continued access or use of our website will signify your agreement to any changes made to them. You acknowledge and agree that we shall not be liable to you or any third party for any modification, suspension or discontinuance of our website or for any service, content, feature or product offered through our website.

  1. Third-party website links:

Links to and from websites beyond our website are solely for your convenience. We do not review, endorse, approve, or control any sites or providers linked to or from our website unless there are contractual agreements and API’s (Application Programming Interfaces which enables two applications to communicate) between them. Therefore, we are not responsible for the content of these websites, any third parties mentioned on these websites, or their products and services. Any link you access to a different site is solely at your own risk, and we shall not be responsible for any damages incurred through linking. Any links to sites that provide downloadable software are solely for convenience, and we are not liable for any consequences arising from downloading this software. Any downloaded software is governed by its accompanying license agreement, if any.

  1. Usage of comments, feedback, and other submissions

You accept responsibility for the information, profiles, opinions, messages, comments, and any other content (collectively known as “Content”) that you post, distribute, or share on or through our website or the services provided in association with our website. You acknowledge full responsibility for the Content, including its trademark, copyright, and other intellectual property ownership.

You agree that we may edit, adapt, modify, recreate, publish, or distribute any Content submitted by you in response to our request for specific submissions. You also agree that we are not obliged to maintain any Content in confidence, to pay compensation for any Content, or to respond to any Content.

You agree not to post, distribute, or share any Content on our website that is protected by copyright, trademark, patent, or any other proprietary right without the express consent of the owner of such proprietary right. You further agree that your Content will not be unlawful, abusive, or obscene, and will not contain any malware or computer virus that could affect our website’s operations. You will be solely liable for any Content that you make and its accuracy. We have no responsibility and assume no liability for any Content posted by you or any third-party.

We reserve the right to terminate your ability to post on our website and to remove and/or delete any Content that we deem objectionable and against public policy. You consent to such removal and/or deletion and waive any claim against us for the removal and/or deletion of your Content.

Please see our Privacy Policy to learn about how we collect, use, and share your personal information.

  1. Errors and omissions

Please note that our website may contain typographical errors, inaccuracies, or omissions and may not be complete or current. We reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time, without prior notice (including after an order has been submitted). Such errors, inaccuracies, or omissions may relate to product description, pricing, promotion, and availability, and we reserve the right to cancel or refuse any order placed based on incorrect pricing or availability information, to the extent permitted by applicable law.

We do not undertake to update, modify, or clarify information on our website, except as required by law.

  1. Disclaimer and Limitation of Liability

You assume all responsibility and risk with respect to your use of our website, Lndr, which is provided “as is” without warranties, representations, or conditions of any kind, either express or implied, with regard to information accessed from or via our website, including without limitation, all content and materials, and functions and services provided on our website, all of which are provided without warranty of any kind, including but not limited to warranties concerning the availability, accuracy, completeness, or usefulness of content or information, uninterrupted access, and any warranties of title, non-infringement, merchantability, or fitness for a particular purpose. We do not warrant that our website or its functioning or the content and material of the services made available thereby will be timely, secure, uninterrupted, or error-free, that defects will be corrected, or that our website or the servers that make our website available are free of viruses or other harmful components.

The use of our website is at your sole risk, and you assume full responsibility for any costs associated with your use of our website. We will not be held liable for any damages of any kind related to the use of our website.

In no event will we, or our affiliates, our or their respective content or service providers, or any of our or their respective directors, officers, agents, contractors, suppliers or employees be liable to you for any direct, indirect, special, incidental, consequential, exemplary or punitive damages, losses or causes of action, or lost revenue, lost profits, lost business or sales, or any other type of damage, whether based in contract or tort (including negligence), strict liability, or otherwise, arising from your use of, or the inability to use, or the performance of, our website or the content or material or functionality through our website, even if we are advised of the possibility of such damages.

Certain jurisdictions do not allow limitation of liability or the exclusion or limitation of certain damages. In such jurisdictions, some or all the above disclaimers, exclusions, or limitations may not apply to you, and our liability will be limited to the maximum permitted by law.

  1. Indemnification

You agree to defend and indemnify us, and hold us and our affiliates harmless, and our and their respective directors, officers, agents, contractors, and employees against any losses, liabilities, claims, expenses (including legal fees) in any way arising from, related to or in connection with your use of our website, Lndr, your violation of the Terms, or the posting or transmission of any materials on or through the website by you, including but not limited to any third-party claim that any information or materials provided by you infringe upon any third-party proprietary rights.

  1. Entire Agreement

The Terms and any documents expressly referred to in them represent the entire agreement between you and us in relation to the subject matter of the Terms and supersede any prior agreement, understanding or arrangement between you and us, whether oral or in writing. Both you and we acknowledge that, in entering into these Terms, neither you nor we have relied on any representation, undertaking, or promise given by the other or implied from anything said or written between you and us prior to such Terms, except as expressly stated in the Terms.

  1. Waiver

Our failure to exercise or enforce any right or provision of the Terms will not constitute a waiver of such right or provision. A waiver by us of any default will not constitute a waiver of any subsequent default. No waiver by us is effective unless it is communicated to you in writing.

  1. Headings

Any headings and titles herein are for convenience only.

  1. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a competent authority, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms will remain in full force and effect.

  1. Governing law

All disputes arising from or relating to these Terms, the Privacy Policy, your use of our website, or our products or services offered on our website will be governed by and construed in accordance with the laws of the Republic of South Africa, without giving effect to its conflict of law provisions.

Any legal disputes, actions or proceedings arising from these Terms or your use of our website must be brought before the courts of the Republic of South Africa, and you consent to the exclusive jurisdiction and venue of such courts.

  1. Questions or concerns

If you have any questions, comments, or feedback regarding our website, please contact us at:

  1. Privacy Policy

We are dedicated to maintaining the confidentiality, accuracy, and security of your personally identifiable information (“Personal Information”). Our Privacy Policy outlines how we collect, use, and disclose Personal Information in accordance with the legislation of the Republic of South Africa, specifically the Protection of Personal Information Act, Act 4 of 2013.

  1. Introduction

At Lndr, we take responsibility for safeguarding your Personal Information. We have assigned one or more individuals who are accountable for ensuring that we comply with our Privacy Policy.

  1. Identifying Purposes

We collect, use, and disclose Personal Information solely for the purpose of providing you with the product or service you have requested. We may also offer you additional products or services that we believe may interest you. We will inform you of the specific purposes for which we collect Personal Information before or at the time of collection. We will use your Personal Information solely for the stated purpose and will obtain your written consent before using your Personal Information for any other purpose. In some cases, the purpose for which we collect Personal Information may be obvious, and your consent may be implied, such as when you provide your name, address, and payment information during the order process.

  1. Consent

We require your knowledge and consent before collecting, using, or disclosing your Personal Information, except as permitted or required by law. Providing us with your Personal Information is always voluntary. However, if you choose not to provide certain information, we may be unable to provide you with our products or services. We will not condition the provision of a product or service on your consent to the collection, use or disclosure of information, except as necessary to provide the product or service. By agreeing to this credit agreement, you consent to our contacting your employer for the purpose of verifying your employment and obtaining other employment-related information.

  1. Limiting Collection

We will only collect the Personal Information necessary for the identified purpose. With your consent, we may collect Personal Information in person, over the phone, via email or through the internet.

  1. Limiting Use, Disclosure and Retention

Personal Information will only be used or disclosed for the purpose for which it was collected, unless you have given your consent, or as required or permitted by law. We will only retain Personal Information for as long as necessary to fulfil the stated purpose or as required by law.

  1. Accuracy

We will ensure that your personal information is kept accurate, complete, and up to date, as necessary, to fulfil the purposes for which it is being used.

  1. Safeguarding Customer Information

We will take reasonable precautions to protect your personal information from unauthorized access, use, or disclosure and will maintain appropriate security safeguards based on the sensitivity level of the information.

  1. Openness

We will make information available to you about our policies and practices related to the management of your personal information.

  1. Customer Access

Upon request, we will provide you with information about the existence and disclosure of your personal information and will give you access to it. You may verify the accuracy and completeness of your personal information and request that it be amended, if appropriate. However, we may not disclose certain information to you in certain circumstances permitted by law, such as when other individuals are referenced, or there are legal, security, or commercial proprietary restrictions.

  1. Handling Customer Complaints and Suggestions

If you have any questions or concerns about our Privacy Policy or our practices, please contact us at

  1. Additional Information
  2. Cookies

A cookie is a small text file or computer file or piece of information that is stored by your browser (for example, Internet Explorer or Safari) on your computer, PC or mobile device when you visit websites.

Cookies enable websites to recognize you when you visit them again and respond accordingly. We use cookies to improve the functionality of our website and, in some cases, to provide a customized online experience for visitors. Cookies are widely used, and most web browsers are initially set up to accept cookies automatically. You can adjust your internet browser settings to prevent your computer from accepting cookies or to receive a notification when you receive a cookie, so you can decline its acceptance. However, please note that disabling cookies may affect the optimal performance of our website.

  1. Web Services

Our website incorporates several APIs (Application Programming Interface) that allow us to validate client information and access credit bureau, banking, and other data sources. This enables us to identify and improve the client experience while evaluating credit risk.

  1. Other Websites

Our website may contain links to other third-party sites that are not governed by this Privacy Policy, aside from the APIs mentioned above. While we strive to link only to sites with high privacy standards, our Privacy Policy will not apply once you leave our website. Additionally, we are not responsible for the privacy practices employed by third-party websites. Therefore, we suggest that you review the privacy statements of those sites to learn how your information may be collected, used, shared, and disclosed.