Terms & Conditions

Last updated: 09 October 2025

1. Eligibility and Use

You must be at least 18 years old and legally capable of entering into binding agreements. You agree to use this Website only for lawful purposes and in compliance with these Terms and South African law.

2. Nature of Our Service

We are not a credit bureau. We are a credit report aggregation and referral service that works with trusted, NCR-registered partners in South Africa to help users access their credit reports and review their credit profiles.

We do not directly provide or issue credit reports.When a user requests a credit report through our Website, we connect them with the appropriate licensed provider based on their profile. The credit report itself is provided by that partner, not by LIME HOLDINGS (Pty) Ltd. 

3. Financial Offers and Consent to Contact

When you submit your contact information on our Website, you consent to receive financial offers and related services from our trusted partners, all of whom are FSB and FSCA-registered entities. Your information will only be shared with these partners for the purpose of providing quotes or services relevant to your profile.

You may opt out of these communications at any time by clicking the unsubscribe link in the footer of every email or SMS message.

4. Information Storage and Compliance Recordkeeping

To comply with legal and advertising verification requirements, we maintain a full digital record of each user submission, including device type, browser type, IP address, and all data voluntarily provided by the user.These records are securely stored for up to one (1) year and may be used solely for verification or complaint resolution purposes.

5. Intellectual Property

All content, code, design, and branding on this Website remain the property of LIME HOLDINGS (Pty) Ltd or its licensors. You may not copy, modify, distribute, or reproduce any part of the Website without prior written consent.

6. Advertising Compliance and Disclosures

This Website complies with the Electronic Communications and Transactions Act (ECTA), the Protection of Personal Information Act (POPIA), and the advertising policies of Google Ads, Meta Ads and Microsoft Ads.

We clearly identify ourselves as LIME HOLDINGS (Pty) Ltd, a South African-registered company responsible for the operation, data processing, and communication on this site.

7. Disclaimers

The Website and all services are provided on an “as is” and “as available” basis.

We do not warrant or guarantee:

• The accuracy, or completeness of any credit information provided by our partners.
• That any lender, bureau, or institution will accept or rely on such reports.
• That the Website will be uninterrupted, error-free, or free from unauthorized access.

We are not a lender, credit bureau, or financial advisor, and nothing on this site constitutes financial advice. Use of this Website and any linked services is at your own risk.

8. Limitation of Liability

To the fullest extent permitted by South African law, LIME HOLDINGS (Pty) Ltd, its directors, employees, or partners shall not be liable for any indirect, incidental, consequential, or special damages arising from your use of or inability to use the Website or related services.

9. Governing Law

These Terms are governed by the laws of the Republic of South Africa, and any disputes shall be handled in the competent courts within the Western Cape jurisdiction.

10. Contact Information

For any administrative queries or complaints, users may contact:

LIME HOLDINGS (Pty) Ltd
Atlantic Beach Golf Estate, Melkbosstrand, Western Cape, South Africa, 7441
Postal: Suite 354, Private Bag x1, Melkbostrand,7437
Email: info@creditreportsa.co.za

11. Changes to Terms

We may revise these Terms at any time. Updated versions will be posted on this page with a new “Last updated” date. Continued use of the Website after such updates constitutes acceptance of the revised Terms.