Terms & Conditions

1. Acceptance of These Terms

By accessing or using this website, you agree to be bound by these terms. If you do not agree with any part of them, please do not use this website.

2. Use of This Website

You agree to use this website only for lawful purposes. You must not:

• Attempt to gain unauthorised access to any part of this website or its underlying systems.
• Use this website to transmit any harmful code, or to interfere with its normal operation.
• Submit false, misleading or fraudulent information through any form on this website.
• Use content from this website for any commercial purpose without our prior written consent.

3. Intellectual Property

Unless otherwise indicated, all content on this website — including text, graphics, logos and the Jehiels Holdings and Govenders marks — is owned by or licensed to Jehiels Holdings and is protected by applicable intellectual property laws. You may view and print pages for personal, non-commercial use only.

4. Accuracy of Information

We take reasonable care to keep the information on this website accurate and up to date, but we make no warranty that it is complete, error-free, or that it reflects the most current terms of any product. Where content on a service page differs from what a Govenders representative confirms directly with you, the direct confirmation applies.

5. Financial Services Disclaimer

This website provides general information about Jehiels Holdings and the businesses within its group, including Govenders Finance and Investments. Nothing on this website constitutes a binding offer of finance, a credit agreement, financial advice, or a guarantee of approval for any product.

Financial products described on this website are provided by Govenders Finance and Investments under its own registrations — including with the National Credit Regulator and as an authorised representative under the applicable Financial Services Provider licence — and are subject to that entity's own application process, terms, and individual assessment of each applicant.

6. No Advice

Content on this website, including articles published under Insights, is general information only and does not constitute financial, investment, credit or legal advice. You should seek independent advice suited to your specific circumstances before making any financial decision.

7. Third-Party Links and Services

This website links to, or embeds, third-party services including a separate loan application portal, WhatsApp, an embedded map, and a market-data widget. We do not control these third parties and are not responsible for their content, availability, or how they handle your information. Use of any third-party service is subject to that provider's own terms.

8. Limitation of Liability

To the maximum extent permitted by law, Jehiels Holdings and Govenders Finance and Investments will not be liable for any direct, indirect or consequential loss arising from your use of, or inability to use, this website, or from reliance on any information published on it.

9. Indemnity

You agree to indemnify Jehiels Holdings and Govenders Finance and Investments against any claim or loss arising from your breach of these terms or your misuse of this website.

10. Governing Law

These terms are governed by the laws of the Republic of South Africa, and any dispute arising from them will be subject to the jurisdiction of the South African courts.

11. Changes to These Terms

We may update these terms from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of this website after changes are published constitutes acceptance of the updated terms.