Terms & Conditions

1. Introduction

These Terms and Conditions govern your use of the Just Bridge website and the services offered by Just Bridge (Pty) Ltd ("Just Bridge", "the Company", "we", "our", or "us"). By accessing or using this website, or by applying for or holding a loan with us, you agree to comply with and be bound by these Terms and Conditions.

If you do not agree to these Terms, you must not use this website or our services.

2. Nature of Services

Just Bridge is a registered credit provider (NCR Number: NCRCP6302) offering consumer microloans and managing collections on arrear microloans, in accordance with applicable South African legislation, including but not limited to:

• The National Credit Act 34 of 2005 ("NCA");
• The Protection of Personal Information Act 4 of 2013 ("POPIA");
• The Electronic Communications and Transactions Act 25 of 2002 ("ECTA");
• Applicable rules governing credit agreements and debit order collections.

3. Eligibility and Loan Applications

To apply for a loan with Just Bridge, you must be at least 18 years old, a South African resident or citizen, and provide accurate and complete information as part of your application.

All loan applications are subject to affordability assessment, credit vetting and approval at the sole discretion of Just Bridge, in accordance with the NCA and our internal credit policies.

4. Credit Agreements

Where a loan is approved, the specific terms of that loan, including the principal amount, interest rate, initiation and service fees, and repayment schedule, will be set out in a separate written credit agreement and quotation provided to you in accordance with the NCA. Interest and fees charged will not exceed the maximum prescribed under the NCA and its Regulations.

5. Repayment Obligations

You are responsible for making repayments in full and on time, in accordance with your credit agreement. Repayments are typically collected via debit order from the bank account nominated by you.

6. Default, Arrears and Collections

Should you fall into arrears on your loan, Just Bridge or its appointed agents may contact you to recover the outstanding amount, in accordance with the NCA and applicable debt collection legislation. Just Bridge will follow the debt enforcement procedures prescribed under the NCA, including any required notices, before initiating legal action.

7. Credit Bureau Reporting

Just Bridge reports account and payment information, including arrears, to registered credit bureaux in accordance with the NCA. This may affect your credit profile and your ability to obtain credit elsewhere.

8. Use of the Website

You agree:

• To use the website only for lawful purposes;
• Not to interfere with the operation or security of the website;
• Not to upload malicious software or harmful code;
• Not to provide false or misleading information;
• Not to attempt unauthorised access to Just Bridge systems or data.

9. Intellectual Property

All content on this website, including logos, trademarks, text, graphics, and software, is the property of Just Bridge or its licensors and may not be copied, reproduced, or distributed without prior written consent.

10. Limitation of Liability

To the maximum extent permitted by South African law:

• Just Bridge shall not be liable for indirect, incidental, or consequential damages;
• The website is provided "as is" without warranties of any kind;
• Just Bridge does not guarantee uninterrupted or error-free website operation.

11. Third-Party Links and Services

The website may contain links to external websites or reference third-party payment infrastructure. Just Bridge is not responsible for the content, security, or privacy practices of third-party websites or services.

12. Complaints and Disputes

Complaints should first be submitted to Just Bridge at:

If a complaint is not resolved to your satisfaction, you may refer it to the National Credit Regulator, the National Consumer Tribunal, or another applicable ombud or regulatory body.

13. Amendments

Just Bridge reserves the right to amend these Terms and Conditions at any time. Updated versions will be published on this website.

14. Governing Law

These Terms and Conditions are governed by the laws of the Republic of South Africa.