1.Introduction and Legal Terms
By accessing or using our website, www.saltera.co.za, or any subdomains, related platforms, or applications, collectively referred to as (“the Website”), you agree that you have read, understood, and agree to be bound to the terms and conditions contained herein (“Terms”). All rights in and to the content of the Website always remain expressly reserved by Saltera (Pty) Ltd.
These Terms explain the terms and conditions applicable to how you will use the Website. Please read these Terms carefully before using the Website. We will assume you have read and understood these Terms if you continue to access or make use of our Website.
Please pay specific attention to the BOLD paragraphs of these Terms. These paragraphs limit our risk or liability, constitute an assumption of risk or liability by you, impose an obligation on you to indemnify us or is an acknowledgement of any fact by you.
The terms “user”, “you” and “your” are used interchangeably in these Terms and accordingly refer to anyone using the Website for any reason whatsoever. Accordingly, the terms “us”, “our” or “we” refers to Saltera or our possession.
2.About Saltera and Our Brands
Saltera (Pty) Ltd is a registered credit provider in the Republic of South Africa (NCR Registration Number: NCRCP24251), operating in full compliance with the National Credit Act No. 34 of 2005 (“NCA”).
All personal loan facilities and credit services provided by Saltera are administered under its designated trading brands through dedicated, separate platforms, specifically:
- Kredomani (www.kredomani.co.za); and
- Vargo (www.vargo.co.za).
Nature of this Website
- The Website (www.saltera.co.za) functions solely as an administrative and corporate portal.
- No financial transactions, loan applications, affordability assessments, or binding agreements are conducted through or hosted on this Website.
- Accessing or reviewing information on this Website does not constitute a solicitation, recommendation, or offer of credit by Saltera or any of its trading brands.
3.Responsibilities and Warranties
Website Warranties
By accessing and using the Website, you warrant that:
- You have read, understood, and agreed to be bound by these Terms and will use the Website in good faith and for lawful purposes only;
- Any information you provide to us through contact forms, inquiries, or communication channels on the Website is true, accurate, current, and complete;
- You will not post, upload, transmit, or distribute through the Website any content that is threatening, defamatory, abusive, racist, discriminatory, unlawful, or in breach of privacy or confidentiality;
- You will not send unsolicited electronic communications (spam) or use any software, routine, or automated device to interfere or attempt to interfere with the proper functionality, security, or "look and feel" of the Website;
- You will not upload or transmit files containing viruses, malware, corrupted data, or any code designed to damage or limit the operation of any software, hardware, or network equipment;
- You will not infringe upon the intellectual property rights or proprietary rights of Saltera, its trading brands (including Kredomani and Vargo), or any third party;
- You will not use the Website or any material contained herein for any commercial purpose not explicitly authorized in writing by Saltera;
- You will not use the Website to violate any applicable law or regulation, or to encourage, facilitate, or promote illegal activities, including financial crimes; and/or
- You will not assist, facilitate, or encourage any third party to engage in any of the actions restricted above.
Failure to comply with these warranties constitutes a material breach of these Terms, entitling Saltera to exercise all legal rights and remedies available to it, including restricting your access to the Website, reporting your actions to relevant authorities, and instituting legal proceedings against you.
Connected Devices
The Website is accessible on compatible internet-connected devices. You are solely responsible for obtaining and maintaining the equipment, software, and internet connectivity required to access the Website. Saltera does not guarantee that the Website will function seamlessly on all devices or browsers.
Access to Website in Breach
Without prejudice to any of our other rights (whether at law or otherwise), we reserve the right to deny you access to the Website where we believe (in our sole reasonable discretion) that you are in breach of any of these Terms.
4.Data Protection and Personal Information
We will collect, store, and process all personal information provided by you through this Website (including via contact forms, general inquiries, or direct email communications) in strict accordance with applicable data protection legislation, including the Protection of Personal Information Act 4 of 2013 (“POPIA”), and our Privacy Policy.
You hereby grant Saltera the right to process your personal information as a responsible party (as defined under POPIA) for the purposes of:
- Responding to your inquiries, requests, or feedback submitted through the Website;
- Directing your request to the appropriate trading brand or department (such as Kredomani or Vargo), where applicable; and
- Managing general business, legal, and operational communications.
We will process, store, and retain your data only for as long as necessary to fulfill the purpose for which it was collected, or as required by applicable laws and our data retention policies.
For further information regarding your rights as a data subject, how we collect, use, and protect your personal information, or how to contact our Information Officer, please refer to our Privacy Policy available on the Website.
5.Communications and External Links
Electronic Communications and Messages
Data messages, including emails or contact form submissions, sent by you to Saltera will be considered received only once we explicitly acknowledge or respond to them in writing.
Data messages sent by Saltera to you will be regarded as received when the message enters your email server inbox and is capable of being retrieved by you.
Saltera reserves the right not to respond to any electronic communication containing abusive, threatening, defamatory, obscene, or unlawful content, and to take appropriate legal action where necessary.
Internet communications cannot be guaranteed to be completely secure or error-free, as data may be intercepted, corrupted, lost, or delayed. Saltera is not liable for the security, confidentiality, or accuracy of messages transmitted over the internet outside of our control.
Hyperlinks, Deep Links, Framing
The Website may contain links or redirects to other websites, including our dedicated brand platforms (such as Kredomani and Vargo) and independent third-party websites (“External Sites”).
Unless explicitly stated otherwise, hyperlinks to External Sites are provided for convenience and informational purposes only. Providing a link does not constitute an endorsement, guarantee, or approval by Saltera of the content, products, or security practices of those External Sites.
Your access to, browsing of, and use of External Sites remain entirely at your own risk and subject to the terms, conditions, and privacy policies of those specific platforms.
6.Intellectual Property
Website and Brand IP
All website layouts, content, text, graphics, designs, illustrations, trade names, logos, trademarks (including Saltera, Kredomani, Vargo, and associated brand identifiers), icons, images, software code, user interfaces, copyright, and service marks (“Intellectual Property”) displayed on or underlying the Website are owned by, or licensed to, Saltera (Pty) Ltd, its shareholders, or affiliates. All such rights are protected by South African and international intellectual property laws and treaties.
User submitted IP
Should you submit, post, or transmit any material, feedback, or information to us through the Website or electronic communication, you retain ownership of your intellectual property rights. However, you grant Saltera a non-exclusive, royalty-free, perpetual, and transferable license to use, process, and adapt such submissions as necessary to respond to your inquiry or manage group communications.
Protection and Restrictions
Except as expressly permitted in these Terms, all rights in and to the Intellectual Property are strictly reserved. You may not copy, reproduce, download, modify, alter, publish, broadcast, distribute, sell, frame, or transfer any Intellectual Property, graphics, or software code, in whole or in part, without the prior written consent of Saltera. Any unauthorized use or infringement of our Intellectual Property will result in immediate legal action and claims for damages.
License to Browse
Subject to your compliance with these Terms, Saltera grants you a personal, non-exclusive, non-assignable, and non-transferable limited license to view and display the content of this Website on a compatible computer or mobile device for personal, non-commercial, and informational purposes only. Nothing contained on the Website shall be construed as granting any license or right to use any trademark or intellectual property without our prior written authorization.
Third-Party IP
Where any material, logo, or software featured on the Website belongs to or has been licensed from a third party, all rights of use remain subject to the terms and conditions imposed by that third-party licensor.
User Requested Features / Feedback
If you submit suggestions, ideas, or feature requests regarding the Website or Saltera's brand platforms, Saltera shall be entitled to use, implement, or develop such suggestions without any restriction or obligation to compensate you. All intellectual property rights in any developments or enhancements shall vest exclusively in Saltera (Pty) Ltd.
Website Updates
Saltera reserves the right to modify, update, suspend, or discontinue any aspect, feature, graphic, or content on the Website at any time without prior notice.
7.Indemnities and Disclaimers
Disclaimers
"As Is" Basis: The Website and all content, materials, and information contained herein are provided on an "as is" and "as available" basis. Saltera makes no express or implied representations or warranties of any kind regarding the accuracy, completeness, reliability, correctness, or suitability of the information displayed on the Website.
Informational Nature: All content on this Website is provided for general corporate informational purposes only and does not constitute financial, legal, or investment advice.
System Functionality & Security: While Saltera takes reasonable security measures to maintain the integrity of the Website and exclude viruses or harmful software, we do not warrant or represent that access to the Website will be uninterrupted, timely, error-free, or completely free of bugs, viruses, worms, or other harmful components. Your access to and use of the Website remains entirely at your own risk, and you are responsible for implementing appropriate cyber-security precautions (such as anti-virus software).
Indemnities and Limitation of Liability
To the maximum extent permitted by applicable South African law, Saltera (Pty) Ltd, its shareholders, directors, officers, employees, partners, agents, and affiliates shall not be liable for any losses, costs, expenses, liabilities, fines, or damages of any nature whatsoever (including direct, indirect, incidental, special, consequential damages, economic loss, or loss of profits) arising out of or in connection with:
- Your access to, browsing of, or inability to use the Website;
- Any reliance placed by you on information or material published on the Website;
- Any technical malfunction, system interruption, or security breach beyond our reasonable control; or
- Any breach by you of these Terms or applicable laws.
You hereby indemnify and hold harmless Saltera, its directors, officers, employees, and affiliates against any third-party claims, liabilities, loss, or legal fees incurred as a result of your misuse of the Website or any breach of these Terms.
Survival: This clause will survive the termination or expiration of these Terms for any reason whatsoever.
8.Dispute Resolution
Disputes between You and Saltera
Negotiation: Should any dispute, disagreement, or claim arise between you and Saltera concerning the access to or use of this Website, the parties shall endeavor to resolve the dispute amicably through informal negotiation in good faith.
Jurisdiction: Subject to negotiation efforts, both parties consent to the jurisdiction of the appropriate court of the Republic of South Africa. Either party may also utilize the dispute resolution services of any applicable ombud or legislative tribunal as provided under South African law.
Non-Publicity: Neither party shall publicize, publish, or post details of any dispute or claim on social media platforms, public forums, or internet websites. Both parties acknowledge that public dissemination of unverified claims can cause reputational and financial harm, entitling the affected party to seek legal remedies and damages.
Disputes between Users and Third Parties / Brand Platforms
Independent Dispute: Should a dispute arise between you and any third-party service provider or brand platform linked on this Website (including Kredomani or Vargo), such dispute is strictly between you and that specific entity or service provider. Saltera (Pty) Ltd is not a party to such disputes, is not responsible for resolving them, and assumes no liability in connection therewith.
Notification: Notwithstanding the above, you may inform Saltera of any ongoing issues experienced with linked third-party providers for quality control and administrative purposes, though Saltera remains under no obligation to intervene or assist.
9.Termination of Use
Saltera's Rights: In addition to our other legal rights and remedies, Saltera reserves the right to restrict, suspend, or terminate your access to the Website without prior notice if:
- You breach any provision of these Terms;
- We reasonably suspect fraudulent, illegal, or abusive activity; or
- There are legitimate security, operational, or reputational concerns.
Saltera may also discontinue or restrict access to the Website for any other reason in its sole discretion, provided reasonable notice is given where practicable.
User Termination: If you wish to terminate your agreement to these Terms, you may simply cease accessing and using the Website. Any such termination will not affect or prejudice any rights, obligations, or liabilities accrued by either party prior to the date of termination.
Effect on Brand Agreements: For the avoidance of doubt, restricting or terminating your access to this Website (www.saltera.co.za) does not affect, modify, or prejudice any separate loan agreements or contracts concluded between you and Saltera's trading brands (such as Kredomani or Vargo) through their dedicated platforms. All obligations under such brand agreements will remain in full force and effect.
10.Notices and Service Address
Service Addresses: Each party chooses its service address for the purpose of serving legal processes, giving formal notices, and any communications arising from these Terms:
In the case of Saltera (Pty) Ltd: At the contact details and email address specified under the “Company Details” section below;
In the case of the user: At the email address or physical address provided by you when submitting an inquiry through the Website, or as otherwise established.
Change of Address: Either party may change its service address by giving written notice to the other party, provided that such change becomes effective 14 (fourteen) calendar days after receipt of the notice.
Actual Receipt: Any written notice in English actually received by a party shall be deemed valid notice, notwithstanding that it was not served strictly in accordance with this clause.
Conflict with Brand Contracts: For the avoidance of doubt, if you have entered into a separate loan agreement or credit contract with any of Saltera's trading brands (such as Kredomani or Vargo), the notices and service address provisions (including domicilium citandi et executandi) contained in that specific agreement shall take precedence over this clause regarding all matters related to that loan or credit facility.
11.Website and Company Details
- Site owner
- Saltera (Pty) Ltd
- Registration Number
- 2025/921931/07
- Legal status
- Private Company
- Description of business
- Short-term credit provider
- Website address
- www.saltera.co.za
- Email address
- info@saltera.co.za
- Telephone number
- +27 71 301 1094
- Address
- 12 Stibitz Street, Westlake, Cape Town, Western Cape, 7945
- Postal address
- 12 Stibitz Street, Westlake, Cape Town, Western Cape, 7945
12.General
Relationship Between the Parties
The relationship between you and Saltera shall be governed strictly by these Terms. Nothing contained herein shall be deemed to constitute a partnership, joint venture, employer/employee, or agency relationship between the parties. Neither party shall incur any liability on behalf of the other.
Force Majeure
If either party is prevented or delayed from performing any obligation under these Terms due to an event beyond its reasonable control (including war, civil commotion, power load-shedding or surges, governmental restrictions, pandemics, natural disasters, or major network failures), such failure shall not constitute a breach, and performance obligations shall be suspended for the duration of the event.
Changes to Terms
Saltera reserves the right to amend, update, or modify these Terms and the content of the Website at any time without prior individual notice. Any amendments will become effective immediately upon being published on the Website. Your continued access to or use of the Website following such updates constitutes your acceptance of the revised Terms.
Entire Agreement
These Terms contain the entire agreement between you and Saltera regarding your access to and use of this Website. Save as provided in clause 3 above, no variation, alteration, or cancellation of these Terms shall be of any force or effect unless reduced to writing and published by Saltera. This does not affect any separate agreements concluded between you and Saltera's trading brands.
No Waiver (No Indulgence)
No indulgence, leniency, or extension of time granted by Saltera shall constitute a waiver of any of its rights under these Terms. Saltera shall not be precluded from exercising any rights against any user that may have arisen in the past or may arise in the future.
Interpretation
Words importing the singular shall include the plural and vice versa. Words importing any gender include all genders, and references to persons include natural persons, corporate entities, and partnerships. Paragraph headings are for reference purposes only and shall not affect the interpretation of these Terms.
Governing Law
Your access to and use of this Website, as well as the operation of these Terms, shall be governed by and construed in accordance with the laws of the Republic of South Africa.
Legal Costs on Breach
Subject to applicable law, if you breach these Terms, you shall be liable for all legal costs incurred by Saltera in enforcing its rights, calculated on an attorney-and-own-client scale (including collection commission and trace fees).
Severability
Each provision of these Terms is severable. If any clause or portion thereof is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision shall be deemed omitted to the extent of such invalidity, while the remaining provisions shall continue in full force and effect.
Consumer Protection Legislation
No provision of these Terms is intended to violate any mandatory provisions of applicable consumer protection laws. Any conflicting term shall be limited or severed in accordance with clause 9 above.
Third-Party Benefits
Third parties may accept and enforce the benefits of these Terms only where expressly provided for herein or with the written consent of Saltera (Pty) Ltd.