Terms and conditions

Who operates this website

Qivo is the project’s working brand. Operator: [Company name]. Registration number: [Registration number]. Registered address: [Registered address]. Contact: [Support email] / [Telephone number]. These details are awaiting completion.

The current service

Qivo is being developed as a loan-comparison service for South Africa. It is not a lender. Loan matching and credit applications are not open yet. Completing the current form does not submit a loan application or create a loan agreement.

Comparison is free to use. If a loan service is connected in future, the chosen credit provider will set its own interest, fees, eligibility requirements and agreement.

Using the form

The intended service is for adults aged 18 or older. Provide accurate information and do not use another person’s details without authority. The current form checks the format of a mobile number and email; it does not verify ownership of either contact.

Your phone number and email remain in the open page’s memory. Other selected preferences can be saved in this browser as explained in the privacy policy.

Your choices

Clicking Continue in the calculator accepts these terms and acknowledges the privacy policy. Marketing permission is separate and optional. Leaving marketing unchecked does not prevent you from continuing.

Guide articles provide general information, not a personalised financial recommendation. A matching result, when available, will not guarantee approval.

Changes and contact

The service and these terms will need to be updated before applications launch. Check the current version when using the service. Questions and complaints can be directed to the operator’s contact channel once the details above are completed.