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Terms of Use

Last updated: 12 December 2025

Welcome to Indlu Living (“Indlu Living”, “we”, “us”, or “our”).

These Terms of Use (“Terms”) govern your access to and use of this Site and any related digital channels we use, including WhatsApp links and online forms (together, the “Services”).

By accessing or using the Site, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the Site.

1. About Our Service

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Indlu Living provides information about home loan finance and rental-backed property finance in South Africa, including how we recognise rental income, support small-scale landlords, and connect you with our finance and property partners.

The content on this Site is for general information only.

Nothing on this Site is:

  • A guarantee that you will receive finance

  • A final quote or binding offer of credit

  • Personal financial, tax, legal, investment, or other professional advice

Any finance is subject to a separate application process, credit assessment, affordability checks, property compliance, and the terms and conditions of our finance partners.

2. Eligibility

 

By using this Site, you confirm that you:

  • Are at least 18 years old

  • Are legally capable of entering into binding contracts

  • Are using the Site for yourself or with proper authority on behalf of another person or entity

 

If you do not meet these requirements, you must not use the Site or submit any application information.

3. Using the Site & WhatsApp Links


You agree to use the Site and our WhatsApp application links only for lawful purposes and in line with these Terms.

 

You must not:

  • Provide false, misleading, or incomplete information

  • Attempt to bypass security or interfere with the Site

  • Use the Site in a way that could damage, disable, overburden, or impair any of our systems

  • Use automated tools (scrapers, bots, crawlers) without our written permission

 

Where the Site redirects you to WhatsApp or another messaging tool, your use of that platform is also governed by that platform’s own terms and privacy rules.

4. No Financial or Legal Advice

 

The information on this Site, including examples, repayment scenarios, and rental income illustrations, is for illustrative purposes only.

  • It may not reflect your personal situation.

  • It should not be relied on as financial, tax, legal, or investment advice.

 

You should obtain independent professional advice before making any financial decisions, including entering into a home loan, property investment, or rental arrangement.

5. Pre-Approvals, Applications & Illustrations


Any reference on this Site to “pre-approval”, “affordability checks”, “qualify for more”, “pay less”, or similar language is subject to:

  • Full completion of our application process

  • Verification of your income, credit profile, and documents

  • Property and rental compliance checks

  • Approval by our finance partners and/or credit providers

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All amounts, ratios, and examples (for example: “R10,000 monthly repayment”, “R6,000 rental income”, “your contribution R4,000”) are illustrative only and do not constitute a quote or guaranteed outcome.


We reserve the right to decline applications or change terms at our discretion, in line with applicable law and our internal credit policies.

7. Your Information & Privacy


When you submit information through the Site or via WhatsApp (for example, your name, ID, contact details, income details, or property information), you confirm that:

  • All information is true, accurate, and complete to the best of your knowledge

  • You have the right to share the information

 

We handle your personal information in line with our Privacy Policy and applicable South African data protection laws (including POPIA).
Please read our Privacy Policy carefully to understand how we collect, use, and protect your data.


By using the Site, you consent to us processing your information for:

  • Assessing affordability and pre-approval

  • Communicating with you about your application

  • Complying with legal and regulatory obligations

  • Improving our products and services

8. Intellectual Property


Unless otherwise stated, all content on this Site is owned or licensed by Indlu Living, including:

  • Text, copy, and layout

  • Logos and trademarks

  • Graphics, icons, and images

  • Diagrams, process flows, and illustrations

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You may:

  • View and print content for your personal, non-commercial use only

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You may not, without our prior written consent:

  • Copy, reproduce, modify, distribute, republish, or create derivative works from any part of the Site

  • Use any of our trademarks or logos

9. Cookies & Tracking


The Site may use cookies and similar technologies to:

  • Improve performance and user experience

  • Understand how visitors use the Site

  • Support analytics and security

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By using the Site, you consent to our use of cookies as described in our Cookie Notice or Privacy Policy (where applicable). You can adjust your browser settings to block cookies, but some parts of the Site may not function properly.

10. Availability & Changes to the Site


We aim to keep the Site available, accurate, and up to date, but we:

  • Do not guarantee uninterrupted access

  • May change, update, or remove content at any time

  • May suspend or discontinue parts of the Site or Services without prior notice

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We are not liable for any loss or damage arising from any interruption, suspension, or modification of the Site.

11. Disclaimer & Limitation of Liability


The Site and all content are provided on an “as is” and “as available” basis, without any warranties of any kind, whether express or implied, including but not limited to:

  • Fitness for a particular purpose

  • Non-infringement

  • Accuracy or completeness

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To the fullest extent permitted by law, Indlu Living and its directors, employees, and partners will not be liable for any:

  • Direct, indirect, incidental, consequential, or special damages

  • Loss of profits, revenue, data, goodwill, or opportunity arising out of or in connection with:

  • Your access to or use of the Site

  • Your reliance on any content or information

  • Any delay, error, interruption, or unavailability of the Site

  • Any dealings with third-party service providers or links

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Nothing in these Terms limits or excludes any liability that cannot be excluded under South African law.

12. Indemnity


You agree to indemnify and hold harmless Indlu Living, its directors, employees, and partners from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to:

  • Your use of the Site or Services

  • Your breach of these Terms

  • Your violation of any law or the rights of a third party

13. Changes to These Terms


We may update these Terms from time to time. When we do:

  • We will update the “Last updated” date at the top of this page

  • The updated Terms will apply as soon as they are posted on the Site

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By continuing to use the Site after changes are posted, you accept the updated Terms. Please review this page regularly.

14. Governing Law & Jurisdiction


These Terms are governed by the laws of the Republic of South Africa.
Any disputes arising out of or in connection with these Terms or your use of the Site will be subject to the exclusive jurisdiction of the courts of South Africa.

 

15. Contact Us


If you have any questions about these Terms or the Site, please contact us at:

  • Email: info@indlu.io

  • Postal address: 181 Jericho Ave, Waterkloof Glen, Pretoria, 0010

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