Terms and Conditions

Credit Score ReadinessSA is operated by Saneli Financial Foundations ("we", "us"), a South African credit readiness service. These terms are governed by the laws of the Republic of South Africa, including the Consumer Protection Act, the Electronic Communications and Transactions Act, the National Credit Act and the Protection of Personal Information Act (POPIA).

We provide credit readiness tracking, affordability modelling, debt settlement planning and document review to help you prepare for home loan or vehicle finance.

We are not a credit bureau, a bank or a debt counsellor. A readiness score is guidance only — it is not a guarantee that any lender will approve your application. Final credit decisions are made by lenders.

• You must be 18 or older with a valid 13-digit South African ID number.
• The information you provide must be true, complete and your own.
• You are responsible for keeping your login details private. Tell us immediately if you suspect someone else has used your account.

• Membership costs R199 per month (VAT inclusive where applicable).
• Payment is collected monthly in advance by our payment partner. Your card details are handled by the payment partner and never stored by us.
• Your membership renews automatically each month until you cancel. We will give you at least 20 business days' notice of any price change.
• If a payment fails, access to member features may be paused until payment succeeds.

Members earn R29.85 per month for every referred friend who holds an active, paid membership. Seven paying friends cover your own R199 subscription; earnings from every friend above seven are yours. Earnings stop for any friend who cancels or does not pay. We may withhold earnings obtained through fraud or fake accounts.

We only access your credit profile and bank information with your recorded POPIA consent, and every consent is logged. We use your information only to provide the service, never sell it, and never ask for your banking passwords or one-time PINs. You may request access to, correction of or deletion of your information at any time.

You may not upload false or altered documents, use another person's identity, attempt to access other members' information, or interfere with the platform. We may suspend or close accounts that break these rules.

You may cancel at any time. Refunds are handled under our Refund and Cancellation Policy, which forms part of these terms.

To the extent the law allows, we are not liable for lender decisions, errors in data supplied by credit bureaus or third parties, or indirect losses. Nothing in these terms limits rights you have under the Consumer Protection Act.

We may update these terms from time to time. Material changes will be communicated by email or on your dashboard before they take effect.

Questions or complaints can be sent through our contact page or to sanelifinancialf@sff.community.