1. Services Provided Directly by FinBuddy

FinBuddy provides certain services directly, rather than only referring you to a BuddyCentral Group company or external partner. These include, for example, assistance with judgment removals and credit record correction. Once you have agreed to and instructed FinBuddy to proceed with one of these services, FinBuddy begins work on your matter (which may include engaging credit bureaus, courts, or creditors on your behalf).

If you are not satisfied with a directly-provided service, you may request a refund by contacting FinBuddy within 7 days of payment, using the details on our Contact Us page. Refund requests are assessed on a case-by-case basis and, where approved, are processed back to your original payment method within 14 business days.

Where FinBuddy has already commenced work on your matter and you subsequently decide to cancel before it is completed, a fee may be charged to cover the work already performed, in proportion to the amount of work done. This fee will be explained to you before your service begins, and again at the point you request to cancel, so that you can make an informed decision. This is intended to ensure FinBuddy is able to recover reasonable costs for time and resources already committed to your case.

 

2. Fees Charged by Partners and BuddyCentral Group Companies

Many of the products FinBuddy refers you to — such as loans, insurance policies, or debt counselling — are provided, priced and billed by the relevant BuddyCentral Group company or external partner, not by FinBuddy. Refunds relating to those products are governed by that provider’s own refund policy and terms and conditions, which are made available to you when you apply for or take up that product.

 

3. Statutory Rights

Nothing in this policy limits any right you have under the Consumer Protection Act 68 of 2008 or other applicable South African law.