Terms & Conditions

Last Updated: April 2026

IMPORTANT NOTICE: These Terms and Conditions govern your access to, and use of the services provided by ClearMeNow (Pty) Ltd. Please read them carefully. By accessing, browsing, or using our website, any of our digital platforms, or engaging with our services, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Notice. If you do not agree with any part of these Terms, you must not use our services.

We may update these Terms from time to time. Any changes will be posted on our  website, and your continued use of our services after such changes constitutes your acceptance of the new Terms. It is your responsibility to review these Terms periodically.

INTERPRETATION AND DEFINITIONS

In these Terms, the following words and phrases shall have the meanings assigned to them below. Related expressions shall bear corresponding meanings:

“3rd Party” / “Third Party”: Any party other than you or ClearMeNow.

“ClearMeNow” / “we” / “us” / “our”: Refers to ClearMeNow (Pty) Ltd, a company incorporated in accordance with the laws of South Africa, including its divisions, subsidiaries, affiliates, shareholders, directors, officers, managers, employees, advisers, and representatives.

“Content”: All information (such as data files, written text, computer software, music, audio files or other sounds, photographs, videos or other images)  available on our website or through our services, which may be protected by copyright or other intellectual property rights.

“ECT Act”: The Electronic Communications and Transactions Act 25 of 2002 (as amended from time to time, including any regulations issued in terms of this Act)

“Intellectual Property”: All works, including literary works, pictorial, graphic andsculptural works, architectural works, works of visual art, and any other work that may be the subject matter of copyright protection; advertising, marketing and promotional concepts, ideas, proposals and slogans (whether or not subjectto copyright); information; data; formulas; designs; models; drawings; computer programs; including all documentation, related listings, design specifications,  and flowcharts; trade secrets; and any inventions, including all processes, machines, and compositions of matter, and any other invention that may be the subject matter of patent protection; and all statutory protection obtained or obtainable thereon.

“Intellectual Property Rights”: Rights, whether registered or unregistered,  including applications for and rights to obtain or use Intellectual Property.

“Member” / “You” / “Your”: Refers to a natural person who uses or subscribes to ClearMeNow services or accesses our website and digital platforms.

“Party”: Either ClearMeNow or you, as the context may indicate (“Parties” has a corresponding meaning).

“Personal Information”: Bears the meaning contained in the Promotion of Access to Information Act (No. 2 of 2000), as amended from time to time, and the Protection of Personal Information Act (No. 4 of 2013), as amended from time to time.

“Processing”: Any operation or activity or any set of operations, whether by automatic means, concerning Personal Information, including: the collection, receipt, recording, organisation, collation, storage, updating or modification, retrieval, alteration, consultation, or use; dissemination by means of transmission, distribution or making available in any other form; or merging, linking, as well as restriction, degradation, erasure, or destruction of information.

“Privacy Notice”: ClearMeNow’s Privacy Notice, which details how we collect,  use, store, and share your Personal Information, and which forms an integral part of these Terms.

“Service(s)”: The services provided by ClearMeNow, including but not limited to Debt Counselling, Debt consolidation, Debt settlement, access to credit reports and scores, and the marketing of various products and services via electronic communications.

“South African Law”: All and any laws and regulations of the Republic of South Africa, including but not limited to applicable codes of conduct, as may be promulgated or amended from time to time.

“Website”: Refers to www.clearmenow.co.za and any other digital platforms, mobile sites, Facebook pages, or applications operated by ClearMeNow.

“Visiting” / “Using”: To visit, load in a web browser, mobile phone or similar software application or device or otherwise engage with a website or service.

ABOUT CLEARMENOW

ClearMeNow (Pty) Ltd (“we, us, our”) is a Debt Solutions company. We offer a range of Debt Management solutions including but not limited to, Debt Counselling, Insurance Services Debt Consolidations and Settlements. We provide expertise, applications and structured advice to help you manage and navigate your financial circumstances.

To achieve our objectives and provide comprehensive services, ClearMeNow partners with various businesses, service providers, and professionals from time to time. These “Third Party Providers” form part of our product and services network and include, but  are not limited to:

Financial Services

Banking

Insurance

Retail

Vehicle Dealerships & Companies

Food & Beverage

Products and Services (general)

Telecommunications

Value-Added Service providers

Content Creation

We strive to constantly secure the best Third-Party Providers to connect you with offers 

that suit your needs, lifestyle, and budget.

ACCEPTANCE AND ELIGIBILITY

By using our Services or visiting our Website, you confirm that you have read, understood, and agreed to these Terms and Conditions. Our Service is for South African residents aged 18 years or older. You must be a South African resident and at least 18 years old to use our Services. You may access and use our Service only for your own personal use, and not for commercial purposes.

OUR SERVICES

4.1 Debt Solutions:
When you apply for our Debt Solution Services, you must complete an application form and may be required to sign a separate contract for those specific services. By applying through ClearMeNow, you agree to our Terms and Conditions and our Privacy Notice.

4.2 Free Access to Your Credit Report and Credit Score:
If subscribed to the CredOt value added product service, you will have access to your credit report via your profile, you give us permission to obtain these monthly reports for you from a registered credit bureau. We may notify you by email when a new report is available.

 4.3 Introduction to Other Useful Services:
If your credit profile indicates you are over indebted or struggling with debt, we may provide you with access to services to help you manage your debt.  If we identify credit products or other services provided by Third Party Providers that we believe may be suitable for your credit profile, we will inform you.

HOW WE TREAT YOUR PERSONAL INFORMATION (PRIVACY NOTICE)

We are committed to keeping your Personal Information confidential and secure. For fulldetails on how and what Personal Information we collect, how we use it, for what  purposes, how we store it, and with whom we share it, please read our comprehensive Privacy Notice, which is available on our Website and forms an integral part of these Terms.

YOUR RESPONSIBILITIES

6.1 Responsible Use:
You must use our Services and Website responsibly. You must not submit any content   or engage in any activity that:

Is illegal or fraudulent.

Is an attempt to impersonate another person or entity.

Violates a Third Party’s rights, including the right to privacy or any Intellectual  Property Rights.

Causes us or our affiliates or service providers harm.

6.2 Accurate and Up-to-Date Information:
Our Service delivery relies on the accuracy of the information you provide. It is your sole responsibility to ensure that all information you provide to us is accurate, current, and  complete. You must notify us immediately if any of your information changes.

6.3 Protecting Yourself Online:
It is your responsibility to check the terms and conditions and privacy policies of any website, service, or resource linked from our Website when you visit it. We cannot take responsibility for the quality of products or services made available through linked websites and resources. You are responsible for maintaining the confidentiality of any login credentials and for all activities that occur under your account.

OUR RESPONSIBILITIES AND DISCLAIMERS

7.1 General Information, Not Financial Advice:
The information provided on our Website and through our Services, while useful, is  general in nature. We do not provide financial advice. Our services are for informational and facilitative purposes. You should seek independent professional financial advice before making any financial decisions.

7.2 Third Party Links and Services:
We may provide links to other websites, resources, or products or services offered by Third Party Providers. This does not imply that we recommend or endorse their content, products, or services. We are not responsible for these external websites or resources, and they are governed by their own terms and conditions and privacy policies. Your interaction, correspondence, or business dealings with Third Party Providers are solely between you and that Third Party, including the acquisition, disposal, payment, and delivery of any goods or services, and any terms, conditions, warranties, or representations associated with such interaction. You agree that where you access Third Party services or websites, you do so entirely at your**

Contact Us:

Email: info@clearmenow.co.za or Tel: +27 (021) 020 3455