Terms of Service ZapDebt

  1. Acknowledgement of ZapDebt’s Role:
    • Purpose: ZapDebt serves as a bridge, connecting individuals seeking debt counselling with qualified debt counsellors across South Africa.
    • Relationship: While we facilitate these connections, it’s crucial to understand that ZapDebt does not offer direct debt counselling. No formal client-counsellor relationship is established with ZapDebt itself.
  2. No Direct Debt Counselling:
    • Clarification: ZapDebt does not provide direct debt counselling, financial advice, or any related services. Our primary role is to connect you with professionals who do.
    • User Responsibility: If at any point you believe or perceive that ZapDebt is offering direct counselling or advice, we urge you to refrain from using our services and notify us immediately.
  3. Arbitration Agreement:
    • Dispute Resolution: Any disputes or disagreements arising from this agreement or the use of our services will be settled through arbitration, not through court litigation.
    • Individual Basis: It’s essential to note that disputes will be resolved on an individual basis. Class actions or jury trials are not permitted under this agreement.
  4. Accuracy of Information:
    • User Obligation: You are responsible for ensuring that all information provided to ZapDebt, whether personal or related to third parties, is accurate, up-to-date, and truthful.
    • Third-Party Consent: If your information involves third parties in any way, you confirm that you have obtained all necessary permissions and consents from them.
  5. Electronic Records and Signatures:
    • Digital Transactions: In our digital age, certain transactions may require electronic signatures. By using our services, you grant ZapDebt the authority to use electronic signatures on your behalf when necessary.
    • Withdrawal of Consent: You have the right to withdraw this consent, provided that no transactions requiring the signature have been completed.
  6. Limitation of Liability:
    • Liability Cap: ZapDebt, its officers, directors, employees, and affiliates are not liable for indirect, punitive, special, incidental, or consequential damages that arise from this agreement or the use of our services.
    • User Responsibility: Users are responsible for their decisions and actions taken based on the connections and information provided by ZapDebt.
  7. Third-Party Services:
    • External Entities: Some services offered by ZapDebt may involve third-party entities or platforms.
    • Disclaimer: ZapDebt does not endorse, nor is it responsible for, any services, content, or actions provided or performed by third parties.
  8. Changes to the Terms of Service:
    • Updates & Modifications: ZapDebt reserves the right to modify, add to, or remove parts of these Terms of Service at any time.
    • User Acceptance: Continued use of our platform and services indicates your acknowledgement and acceptance of any changes made to these terms.
  9. Governing Law:
    • Jurisdiction: These Terms of Service, and any disputes arising from them, are governed by and will be interpreted according to the laws of South Africa.
    • Legal Proceedings: Any legal actions or proceedings will be held in South African courts.
  10. Force Majeure:
    • Unforeseen Events: ZapDebt is not liable for any failure or delay in performing its obligations if such failure or delay results from events beyond its reasonable control. This includes, but is not limited to, natural disasters, wars, government actions, or electronic disruptions.
  11. Termination:
    • Rights Reserved: ZapDebt reserves the right to terminate or suspend your access to our services if you breach any provision of these Terms of Service or engage in conduct that ZapDebt deems inappropriate.
  12. Dispute Resolution:
    • Arbitration: In the event of disagreements or disputes, both parties agree to resolve issues through arbitration in South Africa, foregoing court litigation.
    • Binding Decision: The outcome of the arbitration will be binding on both parties.
  13. Contact Information:
    • Queries & Concerns: If you have any questions, concerns, or feedback regarding these Terms of Service or any other aspect of our platform, please reach out to us directly at:

Contact Details:

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