1) Introduction and acceptance

These Terms & Conditions govern your use of the Debt Warriors website (the “Website”), our online portals, and any services or products we offer through them (the “Services”). By accessing or using the Website, and in particular by clicking any “I accept” / consent button, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the Website.

Unless stated otherwise, all content on the Website is owned by Debt Warriors or licensed to us. You may not copy, distribute, or use Website content except as allowed in these Terms.

(Consumer Protection Act, section 49 notice – important risk/waiver terms appear below under “Limitation of liability” and “Use of the Website, Services & Products”.)

2) Capacity to contract

You confirm that you are at least 18 years old and have full legal capacity to enter into these Terms. If you are acting on behalf of a company or other juristic person, you warrant you are authorised to bind that entity to these Terms.

3) Electronic communications

When you visit the Website or send us emails, you consent to receiving communications from us electronically. Any contracts, notices, disclosures, or other communications we send to the email address you provided will constitute proper notice.

4) Our services and online portals

We provide information and tools related to debt counselling and associated services. From time to time we may also offer client logins/portals (the “Portal/s”).
You are responsible for keeping your login details confidential and for all activity under your account. One user = one account. We may suspend or terminate accounts that abuse access or security.

Material breaches include (without limitation): impersonating another person; infringing IP or privacy rights; scraping, mining, or collecting personal information without consent; using the Services in a way that may harm others or our systems.

5) Personal information and privacy

We process personal information in line with POPIA and our Privacy Policy. By using the Website/Services you acknowledge that we will process your information for purposes including identity verification, responding to enquiries, providing services, billing, compliance and risk, analytics, customer care, service improvements, and—where permitted—marketing.
Our Privacy Policy explains what we collect, why, how long we keep it, who we share it with, international transfers, your rights, and how to exercise them.

Contact for privacy matters: admin@debtwarriors.co.za

6) Security safeguards

We implement reasonable technical and organisational measures to protect personal information and Website data against loss, misuse, unauthorised access, or disclosure. However, the internet is not perfectly secure. You remain responsible for protecting your devices (e.g., using anti-virus/anti-malware). We are not responsible for security breaches on your device or caused by factors beyond our reasonable control.

7) Third-party services, links, and integrations

The Website may reference or link to third-party websites, platforms, or services (including client portals hosted by a service provider). Those third parties have their own terms and privacy practices. We are not responsible for third-party content, availability, security, or services, and your use of them is at your own risk.
Some third parties (including ad/analytics vendors) may use cookies, pixels, or similar tech to personalise content or measure performance. See “Cookies” below and our Privacy Policy.

8) Use of the Website by agents

If you access the Website/Portal on behalf of another person or entity, you may be exposed to third-party personal information. You agree to process such information lawfully and in accordance with POPIA and our Privacy Policy, and you warrant that you have any required consents.

9) Changes to these Terms

We may update these Terms from time to time. The latest version will be posted on the Website and becomes effective on publication. Your continued use after changes take effect constitutes acceptance of the updated Terms.

10) Limitation of liability

The Website, its content, and the Services are provided “as is” and “as available”. We make no warranties (express or implied) about accuracy, completeness, availability, fitness for purpose, or that the Website will be error-free or free from harmful components.
To the maximum extent permitted by law, Debt Warriors (including our directors, employees, contractors, and affiliates) will not be liable for any indirect, special, incidental, punitive, or consequential damages; loss of profits; loss of data; business interruption; or losses arising from your use of—or inability to use—the Website or Services, even if we were advised of the possibility of such losses.
Nothing in these Terms limits liability that cannot lawfully be limited (e.g., for gross negligence or wilful misconduct).

11) Casual browsing

You may browse the Website without providing personal details. Servers may collect your IP address and basic usage data for aggregated analytics and site improvement. This data may not identify you directly. See our Privacy Policy for details.

12) Governing law and jurisdiction

These Terms are governed by the laws of the Republic of South Africa. You consent to the jurisdiction of the South African High Court (having territorial jurisdiction) for any dispute relating to these Terms, the Website, or the Services. If any provision is unenforceable, the remainder still applies.

13) Acceptable use – Website, Services & Products

You agree not to:

• process third-party personal information through the Website unlawfully or without consent;

• violate privacy or security controls (including hacking, password mining, or attempts to gain unauthorised access);

• upload or distribute malware or harmful code;

• use the Website/Services for unlawful purposes or to infringe IP rights.

We may suspend or terminate access (and claim damages/costs, including attorney-and-own-client legal costs) if you breach these Terms or misuse the Website/Services.

14) Google Ads, remarketing, and similar technologies

We may use Google Ads remarketing and/or customer match (and comparable tools) to exclude or tailor advertising to Website visitors. Third-party vendors, including Google, may use cookies or identifiers to enable these features. Use is governed by our Privacy Policy and Google’s policies. You can manage ad settings in your Google account or opt-out via browser add-ons. Email addresses used for customer match are processed in accordance with POPIA.

15) Cookies and analytics

We use essential cookies to operate the Website and may use analytics cookies (e.g., Google Analytics) to improve performance and usability. You can control cookies in your browser, but some features may not function without them. See our Privacy Policy for cookie categories and management options.

16) Intellectual property

All Website content (text, graphics, logos, icons, media, data compilations, software where applicable) is owned by, or licensed to, Debt Warriors. Unauthorised copying, modification, publication, or distribution is prohibited. Nothing on the Website grants any licence to use our trademarks or copyrighted material without our prior written consent.

17) ECTA section 43 disclosures (site owner details)

For purposes of section 43 of the Electronic Communications and Transactions Act, 2002:

• Full name and legal status: Debt Warriors [Pty] Ltd (or your correct legal form)

• Registration number: [Insert company registration number]

• Registered/physical address for service: [Insert full street address, Krugersdorp, Gauteng]

• Telephone: 071 886 2657

• Website: https://debtwarriors.co.za

• Email: admin@debtwarriors.co.za

• Description of main services: Debt counselling (debt review) and related advisory/mediation facilitation in South Africa, in accordance with the National Credit Act and applicable regulations.

18) Contact

Questions about these Terms or the Website may be sent to:
Email: admin@debtwarriors.co.za
Tel: 071 886 2657
Address: Krugersdorp, Gauteng

Plain-language summary (optional to publish)

• By using our site, you accept these Terms.

• Keep your login secure; you’re responsible for activity under your account.

• We process information as explained in our Privacy Policy.

• We’re not liable for losses arising from factors beyond our reasonable control.

• Third-party links/services are used at your own risk.

• South African law applies, and disputes go to the High Court.