Terms & Conditions

1. About Pickle

Pickle (Pty) Ltd operates a digital finance comparison platform that allows users to submit applications for participating vehicle finance and home loan opportunities.

Pickle is a comparison and application facilitation platform. Pickle does not itself guarantee finance approval and is not responsible for the independent lending decisions of participating lenders.

2. Acceptance of These Terms

By accessing or using the Pickle website or submitting an application through the platform, you agree to be bound by these Terms & Conditions and our Privacy Policy.

If you do not agree with these terms, you should not use the platform or submit an application.

3. Eligibility

You must provide accurate information and meet any eligibility requirements applicable to the finance product you are applying for.

Participating lenders may apply additional eligibility requirements and assessment criteria.

4. Applications

When you submit an application through Pickle, you confirm that the information supplied by you is accurate, complete and not misleading.

Pickle may use the information supplied to match your application with participating lenders and facilitate the comparison process.

You are responsible for reviewing the information provided before submitting your application.

5. Lender Offers

Where participating lenders provide finance offers or indicative outcomes, these may be displayed or communicated to you through Pickle.

Any offer remains subject to the relevant lender's terms, conditions, verification procedures, credit assessment and final approval.

An indication, estimate or comparison displayed by Pickle does not constitute a guarantee that finance will be granted.

6. Finance Calculators

Pickle may provide vehicle finance and home loan calculators to help users estimate potential repayments.

Calculator results are estimates only and may not reflect actual lender pricing, fees, interest rates, taxes, insurance, credit assessments or other costs.

Calculator results must not be regarded as a quotation, financial approval or offer of credit.

7. Cashback

Pickle may offer cashback to qualifying customers where the relevant finance transaction meets the applicable cashback requirements.

Cashback is not guaranteed merely because an application has been submitted or approved.

Cashback may be subject to conditions including successful payout or registration of the relevant finance, receipt of applicable commission by Pickle and compliance with the applicable cashback terms.

Pickle reserves the right to verify qualifying transactions before issuing cashback.

8. User Responsibilities

You agree not to:

• Provide false, fraudulent or misleading information.
• Submit applications on behalf of another person without authority.
• Attempt to interfere with the operation of the website.
• Use the platform for unlawful purposes.
• Attempt to gain unauthorised access to systems or data.
• Abuse promotional or cashback programmes.

9. Third-Party Lenders

Pickle may work with participating lenders and other third parties.

Each lender remains responsible for its own products, assessments, approvals, contracts, fees and lending decisions.

You should review the terms and conditions of any lender before accepting a finance offer.

10. Availability of the Platform

Pickle aims to keep the platform available and operational, but we do not guarantee that the website or application services will always be available, uninterrupted or error-free.

Maintenance, technical problems, third-party services, network failures or other circumstances may temporarily affect availability.

11. Intellectual Property

Unless otherwise stated, the Pickle website, branding, designs, content, graphics, logos, software and other materials are owned by or licensed to Pickle.

You may not reproduce, distribute, modify or commercially exploit Pickle's intellectual property without prior written permission.

12. Privacy

Your use of the Pickle platform is also governed by our Privacy Policy, which explains how personal information is collected, used, stored and shared.

13. Limitation of Liability

To the extent permitted by applicable law, Pickle will not be responsible for losses arising from a lender's decision, rejection of an application, changes to lender terms, inaccurate information supplied by a user, or circumstances outside Pickle's reasonable control.

Nothing in these Terms & Conditions is intended to exclude or limit any liability that cannot lawfully be excluded or limited.

14. Changes to These Terms

Pickle may update these Terms & Conditions from time to time. Updated terms will be published on this page.

Your continued use of the platform after updated terms have been published may constitute acceptance of the updated terms, subject to applicable law.

15. Governing Law

These Terms & Conditions are intended to be governed by the laws of the Republic of South Africa, subject to applicable legislation and the jurisdiction of the appropriate South African courts.

16. Contact Us

If you have questions about these Terms & Conditions or Pickle's services, please contact us.