Terms and Conditions

1. Introduction

RocketLaunch Finance is a division of Plutus Wealth Managers Pty Limited (Registration No. 2020/903871/07), a registered credit provider (NCR Number: 21204) incorporated under South African law. Our principal offices are located at 15 10th Street, Parkhurst 2193. References to “RocketLaunch,” “we,” “our,” or “us” refer to Plutus Wealth Managers Pty Ltd and, where applicable, to RocketLaunch Finance as its division. “You” and “your” refer to the website user.

These Terms and Conditions govern your use of this website. By accessing and using this website, you agree to these Terms and Conditions as they may be amended. Additional terms applicable to specific website areas are posted throughout the site and, together with these Terms and Conditions, govern your use. These Terms and Conditions do not cover products or services provided under separate written agreements, which shall be governed by those specific agreements.

You must not use this website if you object to any of these Terms and Conditions. For questions or complaints, contact us at vasb@ebpxrgynhapusvanapr.pb.mn. We will resolve your query or complaint as soon as possible.

We value your privacy. Please read our Privacy Policy (available on this website and incorporated into these Terms and Conditions) describing how we collect and use your personal information. By using the website, you consent to the Privacy Policy.

This website is intended solely for users eighteen (18) years of age or older. By using the website, you represent and warrant that you are at least 18 years old.

We and/or our licensors own all copyright, trademark, and other intellectual property rights for all website material unless otherwise noted. All rights are reserved. You may view and print pages for personal use only, subject to these Terms and Conditions.

Unless expressly permitted in writing by RocketLaunch Finance, you are prohibited from:

We may restrict your use of this website, in whole or in part, at any time without notice or reason.

Our website may contain links to third-party websites or services not owned or controlled by us. We assume no responsibility for the content, privacy policies, or practices of third-party websites. Links are provided solely for convenience and do not imply reliability or endorsement. You should read third-party terms and conditions before using their websites and direct questions to the relevant website provider. You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused by or connected with the use of or reliance on content, goods, or services available through such third-party websites.

While we have taken reasonable steps to ensure accuracy, currency, availability, correctness, and completeness of website information, the website is provided “as is” with all faults. We make no express or implied representations or warranties regarding this website or its materials. Nothing on this website shall be construed as providing advice to you.

You use the website and its materials entirely at your own risk. We do not warrant that the website will be available, meet your requirements, provide uninterrupted access, be free from delays, failures, errors, omissions, or loss of transmitted information, or be free from viruses or other contaminating properties. You are solely responsible for adequate data and equipment protection, backup, and reasonable precautions to scan for computer viruses or destructive properties.

 

We, including our officers, directors, and employees, shall not be liable to you for anything arising from or connected with your website use, whether under contract, delict, or otherwise. We shall not be liable for any direct, indirect, consequential, or special liability related to your use of this website, including but not limited to computer service or system failure, access delays or interruption, data non-delivery or mis-delivery, computer viruses or other harmful components, breaches of security, unauthorized use of the system arising from hacking or otherwise, or your reliance on website information.

Your sole and exclusive remedy, and our sole and exclusive liability to you for any reason, shall be for you to discontinue your access to or use of the website. This limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.

You hereby indemnify us to the fullest extent from and against any and all liabilities, costs, demands, causes of action, damages, and expenses (including reasonable attorney’s fees) arising out of or in any way related to your breach of any provisions of these Terms and Conditions.

We may, at our sole discretion, modify the website, including these Terms and Conditions, at any time without prior notice. Any revised term shall take effect as of the date when the change is made to the website. You agree to review the Terms and Conditions regularly, and your continued access to or use of the website will constitute agreement to any changes.

By using this website or sending emails to us, you are communicating with us electronically. You agree to receive communications from us electronically, and that all agreements, notices, disclosures, and other communications that we provide to you electronically shall satisfy any legal requirement that such communication be in writing to be effective.

You further expressly consent that we, our employees, representatives, agents, or anyone contacting you on our behalf, may contact you for any and all purposes arising out of or relating to any account you may have with us, at any telephone number or any physical, email, or electronic address that you provide or at which you may be reached. It is your responsibility to provide us with current and accurate contact information.

You may withdraw your consent to receive electronic communication by contacting us at the address provided at the beginning of these Terms and Conditions.

Messages sent over the Internet or any cellular telephone network cannot be guaranteed to be completely secure as they are subject to possible interception, loss, or alteration. We shall not be held responsible for any message lost, intercepted, or altered by third parties and will not be liable to you or anyone else for any damages in connection with any message sent by you to us or by us to you over the Internet.

The information contained in communications from us is confidential and is intended solely for use by the addressee and others specifically authorized to receive it. If you are not the named addressee (or person responsible for forwarding the email to the addressee), please let us know immediately by return email and destroy the copy you have received. Any disclosure, copying, distribution, or taking action in reliance on the contents of such information is strictly prohibited and may be unlawful.

When you participate in any competition offered or survey conducted on our website or other owned platforms, or when you provide feedback regarding any of our products or services, you grant us a non-exclusive, irrevocable, perpetual, and sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any form, media, or technology now known or later developed. You waive any moral rights you may have in such content and represent and warrant that you own or control all rights to the content you submit and that use of your content by us will not infringe or violate the rights of any third party.

The Borrower may settle this agreement at any time in terms of section 125 of the National Credit Act, 34 of 2005 [Hereafter referred to as “the Act”] by paying the unpaid balance of the loan amount and unpaid interest charges and all other fees and charges up to the date of Settlement.

This document serves as a proposed loan agreement and quotation and the Borrower has the right to delay signing this agreement by five (5) days, to consider the proposed loan agreement and if the Borrower elects to enter into this agreement with the Lender, the agreement should be concluded at or below the interest rate and costs initially quoted. The Borrower has the right to enter into this loan agreement at any stage prior to the lapse of the five (5) business day period.

The interest rates for small and unsecured micro-loans are calculated in arrears on the outstanding capital at a fixed rate as per Table A of Regulation 42 of the Act. A change to the interest rate of small micro-loans is preceded by a notice by the Minister of Trade Industry in a Government Gazette and a change to the interest rate of unsecured loans is a factor of any change in the repurchase rate from time to time by the South African Reserve Bank. Should a change of interest rate occur as contemplated above that effect this agreement, the Borrower will be given five (5) business days written notice of such change before the change is implemented.

The Borrower is hereby notified and agrees that this loan will be settled by making charges against the bank account specified hereunder in terms of section 124(2) of the Act. The details of the charges are set out in the conditions of this loan which is part of this agreement:

Deduction Amount: As per clause 1.3 of this agreement. Date(s) of Deductions: On or after the dates specified in clauses 1.5 and 1.6 of this agreement.

In the event of default for whatever reason penalty interest and penalty service fee on repayments in arrears will be charged at the same interest rate and service fee rate set for this agreement. All attorney’s or registered debt collectors costs will also be recovered from the Borrower on the attorney and client scale or on the official tariffs applicable to registered debt collectors, as the case may be.

The Lender reserves the right in terms of section 123 of the Act to terminate this agreement with the Borrower if the Borrower defaults with any of the agreed repayments in terms of this agreement and proceed with legal proceedings in terms of section 129(1)(b) and section 130(1) of the Act which may result in a Court of Law enforcing the repayment of the Borrower’s outstanding obligations in terms of this agreement and the court judgement recorded by credit bureau available to other credit providers.

A copy of this signed Loan agreement is provided to the Borrower free of charge. A copy of the Act and Regulations is available to the Borrower to peruse the sections of the Act stated in this agreement and others on the premises of the Lender.

The Borrower and Lender agree that their rights and obligations under this agreement are limited to the conditions and clauses of this agreement as well as the conditions and requirements set in the Act.

The Lender will provide an account statement free of charge to the Borrower at the end of every third month during the term of a loan agreement. Account statements during intermediate months will be provided on request at a cost of R3.50 per page.

The Borrower declares that he/she is presently not under administration, has no intention of being placed under administration and agrees that he/she will not attempt to be placed under administration prior to discussing his/her financial situation with the Lender. The Borrower consents that in the event of being placed under administration on a date after the approval of this loan, that all payments still due to the Lender after granting of the administration order [“Future Payments”] shall fall within the ambit Section 74A(2) (e)(ii) of the Magistrates Court Act and therefore excluded in terms of Section 74C(2) of the said Act and the Lender shall therefore be entitled to recover all moneys still outstanding of this loan by means of legal action.

The Borrower declares that at the signing of this agreement he/she has not applied for debt review to a debt counselor in terms of section 86(1) of the Act or a competent court in terms of section 86(9) of the Act; and/or is not under debt re-arrangement in terms of section 86(8)(a) or section 87(1)(b)(ii) of the Act.

The Borrower agrees that in the event of any dispute or uncertainty he/she will discuss the matter with the Lender as a first step to resolve the issue. If the matter is not resolved to his/her satisfaction, the Borrower will submit his/her issue in writing to the Lender and if the dispute is not resolved thereafter to be at liberty to take up the matter with the National Credit Regulatory at toll share number 0860 100 406.

When applying for a loan from ROCKET LAUNCH (Pty) ltd. , you are entitled to request to be excluded from any or all of the following:

16.1. Telemarketing campaigns conducted by or on behalf of ROCKET LAUNCH (Pty) ltd.

16.2. Marketing or customer lists that are sold or distributed by ROCKET LAUNCH (Pty) ltd. , other than as required by the Act;

16.3. Any mass distribution of email or sms messages.

Declaration and Authorisation by Applicant

 I, the applicant, declare and agree that:

 

Last Updated: 28 October 2025

Contact Information:
RocketLaunch Finance
15 10th Street, Parkhurst 2193
Email: vasb@ebpxrgynhapusvanapr.pb.mn