1. Detailed description of services

MyCreditNow is a product of Maris IT Development CC or herein referred to as MarisIT, a data aggregator, a business in the online credit scoring and vetting space. An industry that supplies data to commercial and consumer clients.

2. Delivery policy

Subject to availability and receipt of payment, requests will be processed within 1 days and delivery confirmed by way of an online platform that is assessable via username and password.

3. Export restrictions

The offering on this website is available to South African clients only

4. Return and refunds policy

The provision of goods and services is subject to availability. Cancellation of an order by the client will attract a charge of R14.99 per month of access granted during the duration of the subscription.

MarisIT reserves the right to cancel an order for which payment has already been received. This may occur if stock is insufficient or the quality of goods ordered does not meet the Provider’s standards. Should MarisIT exercise this right, the User will receive a full refund with no deductions.

Any complaints regarding the standard and quality of the product or services bought by consumers through the e-commerce facility should be directed to Marius du Plessis at the following email address, info@mycreditnow.co.za

5. Customer Privacy Policy

MarisIT sells credit reports and subscriptions online. The use of any product or service bought from this Website is at the purchaser’s risk. The purchaser/ user indemnifies and holds MarisIT harmless against any loss, injury or damages which may be sustained as a result of using the products sold on the Website.

The private information required for executing the orders placed through the e-commerce facility, namely the User’s personal information and credit card details, delivery address and telephone numbers will be kept in the strictest confidence by the Provider and not sold or made known to third parties. Only the necessary information, that is the delivery address and contact phone number will be made known to third parties delivering the product. Credit card details are not kept by MarisIT under any circumstances.

6. Payment options accepted

Payment may be made via Visa, MasterCard, Diners or American Express credit cards or by bank transfer into the MarisIT bank account, the details of which will be provided on request.

7. Credit Card acquiring and security

Credit card transactions will be acquired for MarisIT via PayGate (Pty) Ltd who are the approved payment gateway for Standard Bank of South Africa. PayGate uses the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no credit card details are stored on the website. Users may go to www.paygate.co.za to view their security certificate and security policy.

8. Customer details separated from card details

Customer details will be stored by MarisIT separately from card details which are entered by the client on PayGate’s secure site. For more details on PayGate refer to www.paygate.co.za

9. Merchant outlet country and transaction currency

The merchant outlet country at the time of presenting payment options to the cardholder is South Africa. Transaction currency is South African Rand (ZAR).

10. Responsibility

MarisIT takes responsibility for all aspects relating to the transaction including sale of goods and services sold on this website, customer service and support, dispute resolution and delivery of goods. Any complaints regarding the standard and quality of the product or services bought by consumers through the e-commerce facility should be directed to the Marius du Plessis at the following email address, info@mycreditnow.co.za

11. Country of domicile

This Website is controlled, operated and administered by MarisIT from its offices within the Republic of South Africa. Access to the Website from territories or countries where the Content or purchase of the products sold on the Website is illegal is prohibited. The User may not use this Website in violation of South African export laws and regulations. If the User accesses this Website from locations outside of South Africa, that User is responsible for compliance with all local laws. These Terms and Conditions shall be governed by the laws of the Republic of South Africa, and the User consents to the jurisdiction of the Witwatersrand High Court in the event of any dispute. If any of the provisions of these Terms and Conditions are found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions, and the remainder of these Terms and Conditions shall continue in full force and effect. These Terms and Conditions constitute the entire agreement between MarisIT and the User with regard to the use of the Content and this Website.

12. Variation

MarisIT may, in its sole discretion, change this agreement or any part thereof at any time without notice.

13. Company information

This website is run by Maris IT Development based in South Africa trading as MarisIT and with registration number 2006/191966/23

14. MarisIT contact details

MarisIT contact details Service Contact: info@mycreditnow.co.za