About these terms
These terms are between you and Vantipay (Pty) Ltd, trading as VantiPay (registration number 2026/747642/07). They apply to your use of vantipay.co.za and, where a signed agreement does not say something different, to the loan management system, Credit Engine and VantiScan.
We are based at Midrand Business Park, 563 Old Pretoria Rd, Halfway House, Midrand, 1685, Gauteng, South Africa.
By using the website, you agree to these terms. If you do not agree, please do not use the site. Using the software requires a separate signed agreement, as set out below.
How we handle personal information is in the privacy policy. Cookies are in the cookie policy.
Using the website
You may use this website to read about VantiPay and to contact us. The pages are general information about our products. They are not legal, credit or compliance advice, and they are not a promise that a feature will suit your business until we confirm that in writing.
Use the site lawfully. Do not try to break, overload, scan or bypass it. Do not use the contact form to send harmful or unlawful material, or to send someone else’s personal information unless you have the right to do so.
Links to Facebook, LinkedIn, Instagram and other sites leave this website. Those sites have their own terms. We are not responsible for them.
Demo requests are not a binding offer
Asking for a demo, attending a demo, asking for a quote, or exchanging messages with us does not create a contract. It does not oblige you to take the software, and it does not oblige Vantipay (Pty) Ltd to supply it.
A price mentioned on a call or in an email is not binding by itself. Nothing on the website is an offer that you can accept simply by using the site or by sending the contact form.
Subscription and service terms
The loan management system, Credit Engine and VantiScan are supplied under a separate agreement signed by the customer and Vantipay (Pty) Ltd. That signed agreement governs the subscription, the fees, the service levels, and the parties’ duties for the software.
If these website terms and a signed agreement ever conflict on the software, the signed agreement wins. These website terms still apply to use of the website.
Until an agreement is signed, you have no right to use the software, and we may refuse or end access. Signing in to a system we have opened for you does not, by itself, replace the need for that agreement unless the agreement says that a written confirmation is enough.
Intellectual property
The website, its text, layout and graphics, the software, and the names and logo of VantiPay, Credit Engine and VantiScan belong to Vantipay (Pty) Ltd or its licensors. You do not acquire any right in them by visiting the site, requesting a demo, or reading a quote.
You may view the pages, print a copy for your own internal reading, and share a link to them. You may not copy the site or the software to build a competing product, and you may not remove branding or present our material as your own.
Information you send us, and records your business stores in the software, stay yours. You give us permission to use what you submit through the website so that we can reply to you. Use of customer data inside the software is governed by the signed agreement.
Acceptable use
If you have access to the website or the software, you must not:
- use it in a way that breaks the law, including the National Credit Act, the Financial Intelligence Centre Act (FICA), or POPIA
- try to see another customer’s information, or to get access you were not given
- disrupt, overload or probe it for a weakness
- upload malicious code or use it to send spam
- resell, sublicense or rent it, except as a signed agreement allows
- reverse engineer it, except where South African law does not allow us to forbid that
We may suspend access to the website where we reasonably believe these rules are being broken. Suspension of the software also follows the signed agreement, where there is one.
The software supports your decisions. It does not replace them.
The loan management system, Credit Engine and VantiScan are tools for your staff. They do not replace your own judgement, and they do not replace your own legal duties.
- A result from Credit Engine, or a figure in the loan management system, is not a decision by Vantipay (Pty) Ltd to grant or refuse credit. The credit decision stays with you.
- You remain responsible for complying with the National Credit Act, FICA and POPIA. The software does not register you with the National Credit Regulator, and it does not, by itself, discharge those duties.
- VantiScan helps you compare a person with an identity document. It does not, by itself, complete your customer due diligence.
You are responsible for the data you load, for the decisions your staff make, and for the way you explain those decisions to your clients.
Limitation of liability
Nothing in these terms takes away a right that the Consumer Protection Act, or any other South African law, says we cannot limit. Nothing here limits liability for fraud.
Subject to that, Vantipay (Pty) Ltd is not liable for loss arising from use of this website, or from reliance on general information on it. That includes loss of profit, business, goodwill or data, whether the loss is direct or indirect.
The website is provided as it stands. We may change or withdraw a page, and we do not promise that the site will be free of errors or available all the time.
Claims about the software itself are dealt with in the signed agreement, not in these website terms. These terms do not add a separate warranty for the software, and they do not increase any liability cap in that agreement.
South African law
These terms are governed by the laws of the Republic of South Africa. The courts of the Republic of South Africa may hear disputes about the website and these terms.
A signed service agreement may say where disputes about the software are heard. If it does, that clause applies to those disputes.
Changes to these terms
We may update these terms by posting a new version on this page and changing the effective date. From that date, the new version applies to use of the website. Please check this page when you return. This version is effective 12 November 2026.
A change to this page does not change a signed service agreement. That agreement changes only in the way the agreement itself describes.
Contact
Questions about these terms: info@vantipay.co.za
Phone: 010 824 7022
Midrand Business Park, 563 Old Pretoria Rd, Halfway House, Midrand, 1685, South Africa