Disclaimer
Last updated: September 2026
SAWise.co.za is an independent online information and publishing platform created to provide South African readers with practical, educational content about personal finance, banking, credit, loans, insurance, investing, saving, careers and other related topics.
We believe financial information should be clear, accessible and transparent. However, it is important that readers understand the role of SAWise.co.za and the limitations of the information published on this website.
1. For Information and Educational Purposes Only
All information published on SAWise.co.za is provided for general informational and educational purposes only.
Nothing on this website should be considered personalised financial, investment, tax, legal, insurance, credit or other professional advice.
Our articles, guides, comparisons, examples, calculations, tables and illustrations are designed to help readers better understand financial topics and available products. They are not recommendations tailored to your individual financial circumstances.
Your income, expenses, credit profile, financial goals, risk tolerance and personal circumstances may differ substantially from those used in examples on this website.
Where appropriate, readers should consider obtaining advice from a suitably qualified or registered professional before making important financial decisions.
2. SAWise.co.za Is Not a Bank, Lender or Financial Institution
SAWise.co.za is an independent informational website and online publisher.
Unless explicitly stated otherwise, we are not a bank, credit provider, lender, insurance company, investment provider or credit bureau.
We do not:
- issue personal loans or other credit;
- approve or decline loan applications;
- issue credit cards;
- provide insurance policies;
- manage investments on behalf of readers;
- determine credit scores;
- make lending decisions;
- guarantee interest rates, credit limits or repayment terms; or
- guarantee approval for any financial product discussed on this website.
Any application for a financial product takes place subject to the relevant provider’s own requirements, affordability assessments, terms and conditions, eligibility criteria and applicable South African laws.
3. We Never Charge You to “Release” a Loan or Financial Product
SAWise.co.za will never ask a reader to pay money to us in order to release, approve, activate or secure a loan, credit card, insurance policy or other financial product.
We do not collect “loan release fees”, “approval fees”, “clearance fees”, “activation fees” or similar payments on behalf of financial providers.
If somebody contacts you claiming to represent SAWise.co.za and requests payment in exchange for guaranteed credit or the release of funds, do not make the payment.
Readers should also be cautious of anyone promising guaranteed loan approval regardless of affordability or credit history.
4. No Guarantee of Approval
Mentioning or reviewing a financial product on SAWise.co.za does not mean that you will qualify for it.
Credit providers and other financial institutions determine eligibility according to their own criteria and applicable regulatory requirements.
Factors may include your income, affordability, existing financial obligations, credit history, employment circumstances and information contained in your application.
Statements such as example loan amounts, credit limits or potential repayment periods should therefore never be interpreted as a guarantee that a particular reader will receive those terms.
5. Accuracy and Changes to Financial Information
We make reasonable efforts to research, review and publish information that is useful and accurate at the time of publication or update.
However, financial products and regulations can change.
Banks, lenders, insurers and other providers may change their:
- interest rates;
- fees and charges;
- eligibility requirements;
- product features;
- credit limits;
- repayment periods;
- rewards and benefits;
- application processes;
- terms and conditions; and
- availability.
Tax thresholds, regulatory requirements and other government information may also change.
For this reason, we cannot guarantee that every piece of information on SAWise.co.za will remain current indefinitely.
Where money or an important financial decision is involved, readers should verify the latest information directly with the relevant provider or appropriate official authority before applying, paying, signing an agreement or making a decision.
6. Examples, Calculators, Charts and Statistics
SAWise.co.za may use calculations, hypothetical scenarios, comparison tables, graphs, case studies and examples to make financial concepts easier to understand.
Unless specifically stated otherwise, these should be treated as illustrative examples rather than personalised quotations or predictions.
A repayment calculation in an article, for example, may differ from an actual quotation because real-world costs can depend on interest rates, fees, creditworthiness, repayment terms and other circumstances.
Similarly, fictional case studies may be based on realistic South African circumstances but are provided to explain concepts rather than represent a specific reader.
Where statistics or third-party data are used, we aim to identify or link to the relevant source where practical.
7. Third-Party Websites and External Links
Our articles may contain links to banks, lenders, government departments, regulators, financial institutions and other third-party websites.
These links may be provided to help readers verify information, obtain further details or access a provider’s official website.
SAWise.co.za does not control third-party websites and cannot guarantee their availability, security, accuracy, privacy practices or content.
Once you leave SAWise.co.za, you are subject to the terms, policies and practices of the website you visit.
Always check that you are visiting the legitimate website of a financial institution before entering personal, banking or identification information.
8. Advertising and Commercial Relationships
SAWise.co.za may display advertising supplied by third-party advertising networks or partners.
The appearance of an advertisement on our website does not automatically mean that SAWise.co.za recommends, endorses or guarantees the advertised company, service or product.
Readers should perform their own checks before entering into a financial agreement with any advertiser or third party.
Where content contains an affiliate or other material commercial relationship that requires disclosure, we aim to disclose that relationship appropriately.
9. Financial Product Comparisons
Where SAWise.co.za compares financial products, the comparison is intended to help readers understand differences between selected products based on information available when the content was prepared.
A comparison may not include every product available in South Africa.
The product appearing most favourable in a table is also not necessarily the best product for your circumstances.
Before applying, compare the provider’s latest fees, interest rates, eligibility criteria, benefits and full terms and conditions.
10. No Professional Relationship
Reading an article, contacting SAWise.co.za or using information from this website does not create a financial adviser-client, attorney-client, tax practitioner-client, credit provider-consumer or other professional relationship between you and SAWise.co.za or its writers.
Our writers and publishers provide general informational content unless expressly stated otherwise.
11. Reader Responsibility
Financial decisions can have long-term consequences.
You remain responsible for evaluating whether a financial product or decision is suitable for your circumstances.
Before entering into a significant financial agreement, you should understand:
what you are borrowing or purchasing, what it will cost, what your obligations are, how long those obligations will continue and what may happen if you cannot meet them.
Never sign an agreement you do not understand.
12. Limitation of Liability
To the extent permitted by applicable South African law, SAWise.co.za, its owners, publishers, writers and contributors cannot be held responsible for losses, damages or other consequences arising solely from reliance on general information published on this website.
Nothing in this disclaimer is intended to exclude or limit any responsibility or consumer right that cannot lawfully be excluded under applicable South African law.
13. Contact and Corrections
We take the quality of our published information seriously.
If you believe an article contains inaccurate, outdated or misleading information, you are welcome to contact us and identify the page and information concerned.
Where appropriate, we may review, correct or update published material.
Our Commitment to Readers
SAWise.co.za exists to inform, explain and educate — not to promise financial outcomes.
We aim to publish useful South African content that helps readers understand financial products and everyday money matters before making decisions.
We do not sell guaranteed approvals. We do not release loans. We do not ask readers to pay us to obtain financial products.
Always verify important product information with the relevant financial provider, use official sources where possible and make financial decisions based on your own circumstances.