Terms and Conditions
1. About Us
Lighthouse Bonds is a MORCSA Corporate Member and authorised multi-net home-loan aggregator. We provide director-led bond origination, affordability assessments, multi-bank comparison and related property-finance advisory services primarily in Gauteng and Sasolburg / Northern Free State. We also develop and sell digital products (including plugins, calculators, tools and downloadable resources).
Director & Key Individual: Mabusa Sebobane
Contact: 083 748 7301 | mabusa@lighthousebonds.co.za
2. Scope of These Terms
These Terms apply to:
- Our free-to-applicant bond origination and advisory services; and
- Any digital products, software, plugins, calculators, licences or downloadable content that we sell or licence.
3. Bond Origination & Advisory Services
- Standard origination and affordability-assessment services are provided to applicants at no charge. We are normally remunerated by participating lenders where a bond is successfully registered.
- We do not ourselves grant credit, issue formal loan quotations, or guarantee approval of any home loan.
- Final credit decisions, interest rates and conditions remain solely with the relevant credit providers.
4. Digital Products – Licence and Ownership
When you purchase a digital product from us (including but not limited to WordPress plugins, calculators, tools, templates or software):
- You receive a limited, non-exclusive, non-transferable licence to use the product for your personal or internal business purposes only, unless a different licence scope is expressly stated at the point of sale.
- All intellectual property rights in the digital product remain the exclusive property of Lighthouse Bonds or its licensors.
- You may not reverse-engineer, decompile, resell, redistribute, sublicense or publicly share the product (or any substantial part of it) without our prior written consent.
- Licence keys, download links and access credentials are personal to the purchasing account and may not be shared.
4.1 Delivery of Digital Products
Digital products are delivered electronically (usually via download link, licence key or account access) shortly after successful payment. Delivery is deemed complete once the download link / access credentials have been made available to you.
4.2 Updates and Support
Unless otherwise stated at the time of purchase, any included updates or support are provided for the period specified on the product page. We reserve the right to discontinue updates or support for older versions.
5. Your Responsibilities
By using our services or purchasing digital products you confirm that:
- All information you supply is true, accurate and complete.
- You will not use any digital product in a manner that infringes third-party rights or applicable law.
- You are responsible for ensuring that your systems meet any stated technical requirements.
- You authorise us to process your personal and payment information for order fulfilment and (where relevant) bond-origination purposes in accordance with POPIA.
6. Pricing, Payment and Taxes
- Prices for digital products are displayed on the relevant product pages and are inclusive or exclusive of VAT as indicated.
- Payment is due at the time of purchase via the payment methods we make available.
- We reserve the right to change prices at any time; changes will not affect orders already placed.
7. No Guarantee of Approval or Results (Bond Services)
Any affordability estimates, pre-approvals or rate indications are indicative only and do not constitute a formal quotation or credit approval.
8. Limitation of Liability
To the maximum extent permitted by South African law:
- We are not liable for any indirect, consequential, incidental or pure economic loss arising from the use of our services or digital products.
- Our total aggregate liability arising out of or in connection with these Terms, our services or any digital product shall not exceed the total amount actually paid by you to us in the twelve (12) months preceding the claim (or R2 000 if no payment was made).
- Nothing in these Terms excludes or limits liability for fraud, gross negligence, or any liability that cannot lawfully be excluded.
9. Privacy
We process personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA). Please refer to our Privacy Policy for full details.
10. Changes to These Terms
We may update these Terms from time to time. The latest version will always be published on this page. Continued use of our website, services or digital products after changes constitutes acceptance of the updated Terms.
11. Governing Law
These Terms are governed by the laws of the Republic of South Africa. Any dispute shall first be referred to good-faith negotiation. If unresolved, the matter may be referred to the competent South African courts.
12. Contact
Mabusa Sebobane
Email: mabusa@lighthousebonds.co.za
Tel: 083 748 7301