Legal
Terms & Conditions
Governing your use of this website and any enquiry submitted through it.
⚠ Draft — requires legal review
A working draft only. It has not been reviewed by an attorney. Your lawyer must confirm the correct position under the National Credit Act, the Consumer Protection Act and the FAIS Act as they apply to Bailey Capital's actual lending activity, and complete every REPLACE field, before this page is published.
1. About this website
This website is operated by Bailey Capital (registration number REPLACE_REG_NO). By accessing or using it, you agree to these terms. If you do not agree, please do not use the site.
2. Nothing here is an offer of credit
All information on this website is general in nature and provided for information purposes only. It does not constitute:
- An offer of credit or finance
- A commitment or promise to advance funds
- Financial, legal, tax or investment advice
- A quotation, or a representation as to the terms on which finance may be available
Any facility is subject to independent valuation, satisfactory due diligence, verification of title and ownership, written terms, registration of security, and applicable law. Bailey Capital may decline any enquiry or application at its discretion and is not obliged to give reasons.
3. Illustrative figures
Amounts, percentages, loan-to-value ratios and worked examples shown on this website — including the illustrative example on the home page — are indicative only. They are not quotations and do not form part of any agreement. Actual terms are set out solely in a written offer issued to you.
4. Enquiries
Submitting an enquiry does not create any obligation on either party, is not an application for credit, and does not oblige Bailey Capital to respond, assess or advance funds. Information you submit must be accurate and complete to the best of your knowledge.
Personal information submitted through this website is handled in accordance with our Privacy Notice.
5. Obtain independent advice
Property-backed finance carries real risk, including the risk of losing the secured property in the event of default. You should obtain independent legal and financial advice appropriate to your circumstances before entering into any finance agreement. We encourage you to take any written offer to your own attorney before signing.
6. Regulatory status
REPLACE — state Bailey Capital's regulatory position accurately. If registration as a credit provider is required under the National Credit Act, 34 of 2005, the NCR registration number must appear here and in all advertising. If any exemption is relied upon, state its basis. Your attorney must confirm this.
7. Intellectual property
All content on this website — including text, design, the Bailey Capital name, logo and marks — is owned by or licensed to Bailey Capital and protected by South African and international law. You may not reproduce, distribute or create derivative works from it without written permission.
8. Third-party links
This website may link to third-party websites. We do not control and are not responsible for their content, availability or privacy practices.
9. Limitation of liability
To the fullest extent permitted by law, and subject always to the Consumer Protection Act, 68 of 2008, Bailey Capital is not liable for any loss or damage arising from your use of, or reliance on, this website or its content. We do not warrant that the site will be uninterrupted or error-free.
10. Governing law
These terms are governed by the laws of the Republic of South Africa, and you consent to the jurisdiction of the South African courts.
11. Contact
sales@baileycapital.co.za
REPLACE_STREET_ADDRESS
Last updated: REPLACE_DATE