Legal and Compliance Statement

1. Registered Entity and Regulator Compliance

GraceBridge is a registered South African business operating in the financial services sector.

We aim to be fully compliant with the following key legislation:

• National Credit Act (NCA), No. 34 of 2005
• Protection of Personal Information Act (POPIA), No. 4 of 2013
• Financial Intelligence Centre Act (FICA), No. 38 of 2001
• Consumer Protection Act, No. 68 of 2008

2. Responsible Lending Practices

GraceBridge upholds ethical lending principles. We ensure:

• Clear disclosure of fees, terms, and repayment obligations
• Credit is granted only after affordability and creditworthiness assessments
• No reckless lending or predatory practices
• Financial education support through our Health Fridays and community initiatives

3. DebiCheck & Secure Transactions

All repayments are managed via DebiCheck, a secure debit order system endorsed by the South African Reserve Bank. This ensures that:

• Customers authorise payment agreements in advance
• No unauthorised debit orders are processed
• You retain full control over repayment permissions

4. Data Protection and Confidentiality

GraceBridge handles all personal and financial data in compliance with POPIA.

We:

• Collect only necessary data
• Protect it using encryption and access controls
• Do not sell or share your information without your consent
• Allow you to request access, updates, or deletion of your data at any time

For more information, please read our Privacy Policy.

5. Dispute Resolution and Consumer Rights

If you have a complaint or dispute, we encourage you to first contact us directly at:

📧 support@gracebridge.com

If unresolved, you may escalate your complaint to the National Credit Regulator (NCR) or the Consumer Protection Tribunal in line with the National Credit Act.

6. Anti-Fraud and Misuse Monitoring

GraceBridge actively monitors all activity to detect and prevent fraud, identity theft, or misuse of our services.

We reserve the right to:

• Report suspicious activity to relevant authorities
• Suspend or terminate accounts involved in unethical or illegal behaviour
• Cooperate with law enforcement agencies during investigations

7. Legal Disclaimer

GraceBridge services are provided "as-is" and "as available."

We make no warranties regarding:

• Continuous availability of our website or systems
• Vendor product quality or availability
• External circumstances beyond our control

Use of our services implies acceptance of all applicable terms.

8. Contact for Legal or Compliance Queries