Finance Disclaimer

This Finance Disclaimer governs all finance-related enquiries, finance assistance services, finance referrals, finance calculators, pre-qualification tools and finance introductions facilitated through We Spot Cars.

We Spot Cars operates as a vehicle marketplace and lead generation platform. Where requested, We Spot Cars may facilitate introductions between consumers and:

• Licensed finance providers
• Registered credit providers
• Banks
• Vehicle finance houses
• Authorised Financial Service Providers (FSPs)

We Spot Cars acts solely as an introducer and facilitator.

Unless expressly stated otherwise, We Spot Cars:

All finance decisions remain the sole responsibility of the participating finance provider.

Submission of a finance enquiry does not guarantee:

• Finance approval
• Conditional approval
• Pre-approval
• Vehicle approval
• Credit approval

All finance applications remain subject to:

• Credit assessments
• Affordability assessments
• Risk assessments
• Verification processes
• Regulatory requirements
• Internal lending criteria

Approval remains entirely at the discretion of the finance provider.

Any repayment estimates, affordability indicators, finance calculators or illustrative examples displayed on the platform are provided for informational purposes only. Such estimates:

• Are not quotations
• Are not finance offers
• Are not guarantees
• May differ from actual approved finance terms

Actual repayment amounts may vary depending on:

• Interest rates
• Deposit amounts
• Credit profile
• Vehicle value
• Finance term
• Finance provider requirements

Interest rates displayed, discussed or estimated through the platform are indicative only. Final interest rates are determined by the finance provider and may be influenced by:

• Credit profile
• Risk profile
• Lending policies
• Market conditions
• Regulatory requirements

We Spot Cars does not determine or control interest rates.

Finance providers may perform various assessments including:

• Credit bureau checks
• Identity verification
• Employment verification
• Income verification
• Affordability assessments
• Fraud prevention checks

By requesting finance assistance, users acknowledge that such assessments may be required by the finance provider.

Finance outcomes depend heavily on the accuracy of information supplied by the applicant. Applicants agree to provide:

• Accurate information
• Complete information
• Truthful information

Providing inaccurate or misleading information may result in:

• Delays
• Declined applications
• Withdrawal of approvals
• Legal consequences

Finance products offered through referrals remain the responsibility of the participating finance provider. We Spot Cars is not responsible for:

• Lending decisions
• Approval criteria
• Interest rates
• Fees and charges
• Contractual terms
• Repayment obligations

Consumers should carefully review all documentation supplied by the finance provider before entering into any finance agreement.

Information provided by We Spot Cars is intended for general informational purposes only. Nothing provided by We Spot Cars constitutes:

• Financial advice
• Credit advice
• Investment advice
• Tax advice
• Legal advice

Consumers should seek independent professional advice where appropriate.

Where finance providers are subject to the National Credit Act, 34 of 2005, all finance applications and agreements shall be governed by the provisions of that Act and applicable regulations.

We Spot Cars does not assume responsibility for compliance obligations that rest with finance providers.

Finance-related personal information may be processed in accordance with:

• POPIA
• The Privacy Policy
• The POPIA Consent Notice
• Applicable legislation

By requesting finance assistance, consumers consent to the lawful processing and sharing of information necessary to facilitate finance introductions.

To the fullest extent permitted by law, ALFA CAS (Pty) Ltd, its directors, employees, representatives and agents shall not be liable for:

Finance decisions remain solely within the control of the finance provider.

Users agree to indemnify and hold harmless ALFA CAS (Pty) Ltd against any claims, losses, damages, liabilities or expenses arising from:

• Finance applications
• Lending decisions
• Information supplied by the applicant
• Agreements concluded with finance providers

By submitting a finance enquiry through We Spot Cars, you acknowledge that:

• We Spot Cars does not provide finance
• We Spot Cars does not approve finance
• Finance approval is not guaranteed
• All lending decisions are made by finance providers
• Repayment estimates are illustrative only
• You remain responsible for reviewing and accepting any finance agreement offered by a finance provider