Terms and Conditions

Welcome to Pokea.Money. A Titanshift (Pty) Ltd company

Please carefully review the following rules that govern your use of our Site and also read our Privacy Notice regarding the information that you provide to us. These Terms and Conditions of Use (“Terms of Use”) apply to the World Wide Web site owned, operated, licensed, and controlled by Titanshift Pty Ltd T/a Pokea.Money. (“Pokea.Money”), including its related, affiliated, or subsidiary companies (collectively, the “Site”). This Site is the property of Pokea.Money. By using this Site, you agree to these Terms of Use; if you do not agree, do not use this Site.

Pokea.Money reserves the right at its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes.

Privacy

Please review our Privacy Notice (which also governs your visit to our Site) to understand our practices. Additionally, by using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure.

Intellectual

This Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on the Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by Pokea.Money or third parties and all right, title and interest therein shall remain the property of Pokea.Money and/or such third parties (collectively, the “Content”).

Electronic communications

When you visit www.Pokea.Money or send emails to us, you are communicating with us electronically and you consent to receive communications from us electronically to the extent permissible by law. We will communicate with you by email or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing to the extent permissible by law.

You agree that we may send emails to you for the purpose of advising you of changes or additions to this Site, about any of our products or services, or for such other purposes as we deem appropriate and as permissible by law. Please make sure to review the Electronic Transactions and Consent clause on your loan agreement for further information about e-sign of loan document consents.

Links to other websites and services

This Site contains links to outside services and resources (“Third Party Content”), the availability and content of which Pokea.Money does not control. Some Third Party Content may be custom matched based on information provided by you to Pokea.Money. We are not responsible for examining or evaluating, and we do not warrant the offering of these businesses or individuals or the content of their web sites.Pokea.Money does not assume any responsibility or liability for the actions, products, and content of these and any other third parties.Pokea.Money does not guarantee that any service offered by Third Party Content will be offered to you.Pokea.Money may receive compensation from third parties for referring you to the third party or to their website. Any services that you obtain through Third Party Content will be subject to the terms and conditions and Privacy Notice of the Third Party Content. Any concerns regarding any such service or resource, or any link thereto, should be directed to the particular outside service or resource.

Credit Reports/Credit Scores

When you apply for any of our loan services, you do hereby give authority and consent to Pokea.Money to access your personal and or confidential information from the National Loans Register and any other Credit Bureau that may provide such information. These agencies will record our enquiries which may be seen by other companies who make their own credit enquiries. This may a affect your ability to obtain credit elsewhere in the near future. We may use credit scoring.

Customer data usage

Pokea.Money may use Customer data for (i) improvement of services; (ii) to the extent permitted by law to use, distribute, and disclose Aggregated Data; and (iii) for fraud screening, identity verification, and account information verification Pokea.Money will also disclose customer data to third parties as outlined in these Terms and Conditions.

User Generated Content

You hereby grant Pokea.Money a non-exclusive, transferable, unlimited, worldwide, irrevocable, sub-licensable and royalty-free license to publish, host, copy, distribute, modify, create derivative works from, reproduce, display, perform, transmit, process or otherwise use in any manner whatsoever and in all formats or distribution methods now known or developed hereafter, all or any portion of your User Content for the purposes of providing, optimising, improving and promoting our Services. You agree this license includes the right to use your name, persona and likeness included in any User Content in connection with delivering the Services, without any obligation or compensation to you.

You agree this license includes the right for Pokea.Money to publish your User Content in a searchable format that may be accessed by other users of the Services.

You further agree not to post, upload to, transmit, distribute, store, create or otherwise publish through the Services any of the following:

User Content that is libelous, defamatory, profane, obscene, pornographic, sexually explicit, indecent, lewd, vulgar, suggestive, violent, harassing, hateful, threatening, offensive, discriminatory, bigoted, abusive, inflammatory, invasive of privacy or publicity rights, fraudulent, deceptive or otherwise objectionable;

User Content that is illegal or unlawful, that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or otherwise create liability or violate any local, state, national or international law;

User Content that may infringe or violate any patent, trademark, trade secret, copyright, or other intellectual or other right of any party;

User Content that contains or depicts any statements, remarks or claims that do not reflect your honest views and experiences;

Private information of any third-party including, but not limited to, addresses, phone numbers, email addresses, Social Security numbers or credit card numbers;

Unsolicited promotions, political campaigning, or commercial messages (SPAM) or any chain messages;

User Content designed to deceive or trick the user of the Services;

Viruses, corrupted data or other harmful, disruptive or destructive files or code, script or other software designed to automate any functionality on the Services; or

User Generated Content

As a condition of your use of this Site, you agree that you will not, and you will not take any action intended to: (i) access data that is not intended for you or attempt to reverse engineer the Site; (ii) invade the privacy of, obtain the identity of, or obtain any personal information about any customer or user of this Site; (iii) probe, scan or test the vulnerability of this Site or breach security or authentication measures without proper authorisation; (iv) attempt to interfere with service to any user, host or network or otherwise attempt to disrupt our business, including, without limitation, via means of submitting a virus, worm, Trojan Horse, or other destructive feature to this Site, overloading, “flooding,” “spamming,” “mail bombing” or “crashing;” (v) send unsolicited mail, including promotions and/or advertising of products and services; or (vi) attempt to use robots, spiders, intelligent agents, software, tools, engines, or other means to navigate or search the Site other than those generally available through third-party web browsers such as Microsoft Explorer or Google Chrome. Violations of system or network security may result in termination of account and civil or criminal liability.

Indemnity

By using the Site, you agree to indemnify and hold Pokea.Money, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) arising out of or in any way connected with (i) your access to and use of the Service; (ii) your violation of any of the Terms and Conditions referenced herein, or any applicable law or regulation; (iii) your violation of any third-party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues between you and any third party. Pokea.Money reserves the right to assume or participate, at your expense, in the investigation, settlement and defense of any such action or claim.

Any failure by Pokea.Money to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms If any provision of these Terms of Use or their application in a particular circumstance shall be held by a court of competent jurisdiction to be contrary to law, such provision shall be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law. The remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law. These Terms of Use constitute the entire agreement between you and Pokea.Money with regard to your use of the Site, and any and all other written or oral agreements or understandings previously existing between you and Pokea.Money with respect to such use are hereby superseded and cancelled.

Cookies

“Cookies” are small data files transferred by a website to your computer’s hard drive. Pokea.Money or its service providers send cookies when you surf our site or sites where Pokea.Money ads appear, make purchases, request or personalise information, or register yourself for certain services. Accepting the cookies used on our site, sites that are “powered by” another company on Pokea.Money’s behalf, or sites where our ads appear may give us access to information about your browsing preferences, which we may use to personalise and enhance your experience. Cookies are typically classified as either “session” cookies or “persistent” cookies.

Session cookies do not stay on your computer after you close your browser.

Persistent cookies remain on your computer until you delete them or they expire.

Generally speaking, web browsers automatically accept cookies by default. That being said, you can typically prevent cookies or selectively accept cookies by adjusting the preferences in your browser. If cookies are not accepted, there may be some features of our site that will not be available and some Websites may not display properly. In most instances, however, a customer may refuse a cookie and still be able to navigate our website without issue.

A web browser is usually set to accept cookies automatically but can be changed to decline them. Information on how to adjust cookie preferences (e.g., preventing your browser from accepting new cookies, etc.) are located in the help and support section of your browser. In most cases, a visitor may refuse a cookie and still fully navigate our Website.

Pokea.Money does not store passwords or any other information about a visitor in a cookie that would identify them, locate them, and determine their preferences or their financial activity. Aggregated customer information may help Pokea.Money assess the performance of its website and develop strategies to maximise utility. This information may be provided to other companies, including but not limited to third party advertisers. This information does NOT include any personal details that can be used to identify individuals.

Electronic transactions and consent

This Electronic Signature (“ E-Sign Consent”) constitutes your consent to receive disclosures and other information in electronic form. Pokea.Money is required by law to provide you with certain disclosures. Pokea.Money is not permitted to provide those disclosures to you online without your consent.

We will provide these Communications to you by posting them on our Website after you log-in, and/or by emailing them to you at your registered email address. It is your responsibility to keep your registered email address up to date so that we can communicate with you electronically.

By consenting to E-Sign Consent, you agree that Pokea.Money may provide electronically any and all communications concerning its decisions on your Consumer Application (the “Application”), the terms of any loan that may be provided to you and the privacy notice (the “Disclosures”). The Disclosures may include, in addition to other things, disclosures pursuant to: (1) the federal Equal Credit Opportunity Act and Regulation B; (2) the federal Fair Credit Reporting Act; (3) the federal Truth in Lending Act and Regulation Z; (4) the federal Electronic Funds Transfer Act and Regulation E; (5) the federal Gramm-Leach-Bliley Act; and (6) any other applicable federal, state or local law or regulation. Your consent applies not only to the Application and any resulting loan but also to any application for future credit services from Pokea.Money.

Consumer Consent

Before completing any transaction with Pokea.Money, you will be asked to consent to the Terms and Conditions, which constitutes your agreement to the following terms below:

Pokea.Money may provide disclosures required by law and any other information concerning your legal rights and duties and your account to you electronically.

Pokea.Money can send any communications, billing statements, or required disclosures, such as initial and annual privacy notices (together, “Disclosures”) to you electronically via our website or to the email address that you have provided to us.

Pokea.Money will notify you via e-mail when the Disclosures are available. The Disclosures will be available for at least 30 days and will be provided to you in a format that can either be printed or downloaded for your records. Pokea.Money will send an email or text message to you that will contain instructions regarding how to view the Disclosures.

Your electronic signature on agreements and documents has the same effect as if you physically signed the document with a pen.

This consent applies to any transaction undertaken through Pokea.Money in the past, to all future disclosures and communications on your account, to all future transactions, at any time, to any transaction with us, and to other Disclosures that we provide to you by email.