Terms and Conditions

Website access and use conditions

The conditions on which access to the web site is permitted are as follows:

  • Insta Fund (Pty) Ltd takes all reasonable care to ensure that the materials and information on this web site are accurate and complete.
  • However they are provided for general information purposes only. They are not intended to be comprehensive or to include advice on which you may rely. We make no express or implied representations or warranties of any kind related to this website or the material contained on this website. You should independently verify any information and material on this website before relying on it and you should always consult a suitably qualified professional.
  • All Terms and Conditions are governed by South African law and you agree to submit to the jurisdictions of the courts of South Africa. If you are outside of South Africa you need to satisfy yourself that you are lawfully able to use any such information and materials.
  • All liability is excluded in respect of any loss or damage which may arise in connection with the use of or reliance upon any materials and information (including audio information) appearing on this web site.
  • You may print or download any material on this web site and retain a copy of it for your personal use as our client. You may use the website only for your personal and non-commercial use. You may not use the website to provide any services to a third party.
  • You will require (in advance) our written permission to make any other use of the material and information on this website, including, in particular, its incorporation into any other electronic or hard copy document.
  • Links from this site to any other website are provided for convenience only, and do not imply affiliation with or endorsement by Insta Fund (Pty) Ltd. Insta Fund (Pty) Ltd is not responsible for the content of external web sites that link to this site or which are linked from this site.
  • Your use of this website implies an acceptance of the Terms and Conditions of Use. In the event of a conflict between the Terms and Conditions of Use of this website and any specific terms applicable, and only to the extent of the conflict, the more specific terms will apply.
  • Insta Fund (Pty) Ltd shall be permitted to assign, transfer and subcontract its rights and/or obligations without any notification or consent required. However you shall not be permitted to assign, transfer or subcontract any of your rights and/or obligations.
  • Copyright in the pages forming this web site (including logo) belongs to Insta Fund (Pty) Ltd, unless otherwise stated. All rights are reserved.
  • No person, business or website may use any technology to search and gain any information from this website.
  • Insta Fund (Pty) Ltd makes every effort to ensure that any material to be downloaded from the website or an email communication is free from any viruses, but it cannot guarantee that the material is free from any or all viruses. Insta Fund (Pty) Ltd is not responsible for any loss or damage howsoever caused by downloaded material. You are responsible to implement antivirus software appropriate to protect your data input and output. You may not use any devices or software that upload any viruses to the Insta Fund (Pty) Ltd website.
  • Insta Fund (Pty) Ltd reserves the right to make changes to these materials and information at any time without notice.
    Insta Fund (Pty) Ltd may monitor visits to this web site and retain information about its users (including, without limitation, the use of cookies and other browser-generated information, and also any personal information you provide when communicating with us). Refer further to our Privacy Policy.
Privacy Policy
  • Insta Fund (Pty) Ltd takes data privacy seriously. We are committed to protecting the privacy and security of personal data we may collect from visitors to our websites and/or our clients.
  • This policy does not apply to any third party websites. If you follow a link to any of these third party websites, they will have their own privacy policies, which Insta Fund (Pty) Ltd is not responsible for.
  • By providing your personal data to us (whether via our website, by email, in person or over the phone), you agree to the terms and conditions of our Privacy Policy.
  • We may collect and process different types of personal data in the course of operating our business and providing our services. These include, but are not limited to: personal details provided to us by or on behalf of our clients, contact data, any personal information and data relating to the shareholders or the directors of our clients, financial data such as payment related information or bank account details bank statements or Annual Financial Statements, any company and personal accounting records such as invoices, purchase orders, debtors aging, creditor aging, your registered and operating address, website usage and other technical data such as details of your visits to our websites or information collected through cookies and other tracking technologies, Identification and other background verification data such as copies of identity documents, CIPC documentation, memorandum of incorporation, landlord or other suppliers statements, utility bills or evidence of beneficial ownership/share register, business management data such as curriculum vitae, education and employment history, details of professional memberships and other information relevant to the management of the borrower.
  • We may collect or receive your personal data in a number of different ways:
    a) where you provide it to us directly by corresponding with us by email, telephone, mobile applications or via any other direct interactions with us;
    b) where we monitor use of, or interactions with, our websites, any marketing we may send to you, or other email communications sent from or received by Insta Fund (Pty) Ltd;
    c) third party sources, for example, where we collect information about you to assist with “know your client” checks as part of our client acceptance procedures;
    d) any publicly available sources -e.g. LinkedIn, Facebook etc.
  • We will only use your personal data where we are permitted to do so by applicable law.
  • We do not knowingly collect or maintain information about children.
  • We will use your information as its necessary to understand your product needs, determine whom should contact you from our organisation, to assist us in preparing for conversations and in order to conclude a contract with you in order to provide you with the requested products. It is also necessary for Insta Fund (Pty) Ltd to verify that we are dealing with the legitimate customer in order to avoid fraud.
  • We may use your personal data in the following ways:
    a) to fulfil our risk management obligations (including running credit checks via credit bureau) and to ensure that you fall within our acceptable risk profile;
    b) to prevent fraud, to identify conflict of interest or reputational risk;
    c) on legal grounds – to ensure contract performance, to enable us to accurately prepare contracts and perform our obligations and provide our products to you,
    d) to ensure the content of our website is relevant;
    e) for research purposes to develop better offerings;
    f) to recover any payments due to us and where necessary to enforce such recovery through the engagement of debt collection agencies or taking other legal action (including the commencement and carrying out of legal and court proceedings
    g) to reorganise or make changes to our business - in the event that we are undergo a re-organisation (for example if we merge, combine or divest a part of our business), we may need to transfer some or all of your personal data to the relevant third party (or its advisors) as part of any due diligence process or transfer to that re-organised entity or third party your personal data for the same purposes as set out in this Privacy Policy or for the purpose of analysing any proposed re-organisation; in order to allow us to change our business).
  • Insta Fund (Pty) Ltd will not share your personal data with third parties except in responding to your request for products.
  • When we share your personal data, we shall share it with: our professional advisors (e.g. legal, financial, business, risk management or other advisors), bankers and auditors; our insurers and insurance brokers; third party service providers to whom we may be outsourcing certain functions such as information and document management, office support, technology and IT services, word processing, photocopying etc;
  • We share your personal data and client data with credit agencies for processing and credit reporting purposes. You acknowledge and accept these Terms when you request any of our product offering.
  • We may also process your personal data to comply with our regulatory requirements or in the course of dialogue with our regulators as applicable.
  • We will process your data in South Africa.
  • We will retain your personal data for as long as is necessary to fulfil the purpose for which this data was collected and any other permitted linked purpose. If your personal data is used for two purposes we will retain it until the purpose with the latest period expires; but we will stop using it for the purpose with a shorter period once that period expires. Our retention periods are also based on our business needs and good practice.
  • This is how we protect your data: We recognise that information security is an integral element of data privacy. While no data transmission (including over the Internet or any website) can be guaranteed to be secure from intrusion, we implement a range of commercially reasonable physical, technical and procedural measures to help protect personal data from unauthorised access, use, disclosure, alteration or destruction in accordance with data protection law requirements.
  • Information that you provide to us is stored on our service providers’ secure servers. This website is hosted by Xneelo. Insta Fund (Pty) Ltd is satisfied with the security as well as the accessibility and information use policies and standards being followed by Xneelo. For more info on this service provider and their policies, please visit their website: www.xneelo.co.za.
  • Everyone at Insta Fund (Pty) Ltd and any third party service providers we may engage that process personal data on our behalf (for the purposes listed above) are also contractually obligated to respect the confidentiality of personal data.
  • Alongside our role, please also note that where we have given you (or where you have chosen) a password which enables you to access certain parts of our websites or online services, you are responsible for keeping this password confidential and for complying with any other security procedures that we notify you of. We ask you not to share a password with anyone.
  • We are also required to take reasonable steps to ensure that your personal data remains accurate. In order to assist us with this, please let us know of any changes to the personal data that you have provided to us by contacting us at info@instafund.co.za
  • While it is our policy to respect the rights of individuals, please be aware that your exercise of these rights is subject to certain exemptions to safeguard the public interest (e.g. the prevention or detection of crime), our interests (e.g. the maintenance of legal privilege) and some of these rights may be limited (for example the right to withdraw consent) where we are required or permitted by law to continue processing your personal data to defend our legal rights or meet our legal and regulatory obligations. If you contact us to exercise any of these rights we will check your entitlement and respond in most cases within a month.
  • When you visit our websites we may send a cookie to your computer. This is a small data file stored by your computer to help improve functionality or tailor information to provide visitors with more relevant pages. We may also analyse website traffic to identify what visitors find most interesting so we can tailor our website.
  • If you have any questions about our Privacy Policy, please contact us on info@instafund.co.za
  • We may change the content of our websites and how we use cookies without notice and consequently our Privacy Policy and Cookie Policy may change from time to time in the future. We therefore encourage you to review them when you visit the website to stay informed of how we are using personal data. This Privacy Policy was last updated in May 2020.
Cookies Policy
  • By using our website instafund.rckt.co.za you consent to the use of cookies in accordance with this Cookies policy. Usually you will have seen a pop up to this effect on your first visit to this website; although it will not usually appear on subsequent visits. Our cookies policy does not apply to, and we are not responsible for, the privacy practices of third party websites which may be linked to or accessible through this website.
  • Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are then sent back to the originating web domain on your subsequent visits to that domain.
  • Cookies are useful because they allow a website to recognise a user’s device. Cookies allow you to navigate between pages efficiently, remember preferences and generally improve the user experience. They can also be used to tailor advertising to your interests through tracking your browsing across websites. Session cookies are deleted automatically when you close your browser and persistent cookies remain on your device after the browser is closed.
  • We use strictly necessary cookies. These cookies are essential in order to enable you to move around the website and use its features. Without these cookies, services you have asked for (such as navigating between pages) cannot be provided. This session cookie assigns a unique identifier to each visitor so they can navigate the site correctly and preserves the visitor’s session state across page requests.
  • We may use performance cookies. We use analytic cookies to analyse how our visitors use our websites and to monitor website performance. This allows us to provide a high quality experience by customising our offering and quickly identifying and fixing any issues that arise. For example, we might use performance cookies to keep track of which pages are most popular, which method of linking between pages is most effective, and to determine why some pages are receiving error messages. We might also use these cookies to highlight articles or site services that we think will be of interest to you based on your usage of the website. The information collected by these cookies is not associated with your personal information by us or by our contractors.
  • We may use website functionality cookies. We make use of cookies to provide you with certain functionality. For example, to remember choices you make (such as your user name, language or the region you are in), or to recognise the platform from which you access the site, and to provide enhanced and more personal features. These cookies are not used to track your browsing on other sites.
  • We may use targeting cookies. We collect information about your browsing habits and are used to make advertising more relevant to you and your interests. They are used by services provided by third parties. Third parties provide these services in return for recognising that you have visited our website. When you use the LinkedIn, Twitter or the other share buttons available, you will be directed to a page controlled by those companies which may place cookies (including targeting cookies) and will be subject to LinkedIn’s, Twitter’s or the relevant other website’s cookies policies respectively.
  • We may also use your IP address and browser type to help diagnose problems with our server, to administer our website and to improve the service we offer to you. An IP address is a numeric code that identifies your computer on the internet. We may perform IP lookups to determine which domain you are coming from (eg google.com) to more accurately gauge our users’ demographics. Information from these types of cookies and technologies is not combined with information about you from any other source and will not personally identify you.
  • We use marketing related emails that contain a single, advertising-unique “web beacon pixel” to tell us whether our emails are opened and combined with other technology to verify any clicks through to links within the email. We may use this information for purposes including determining which of our emails are more interesting to you and to query whether users who do not open our emails wish to continue receiving them. The pixel will be deleted when you delete the email. If you do not wish the pixel to be downloaded to your device, you should choose not to click links that we send you. This information may be connected to your personal identity.
  • We may update this Cookies policy and we would encourage you to review the policy from time to time to stay informed of how we are using cookies. This Cookies policy was last updated in May 2020.