Welcome to Pienaar Group (“we,” “our,” or “us”).
By accessing or using our website, systems, or any of our commercial lending services, you agree to be bound by these Terms of Service (“Terms”).
Please read them carefully.

If you do not agree, you must discontinue use of our platform immediately.

1. Definitions

Client / User / Applicant — any person or entity using our platform or applying for our commercial lending services.

Platform — our website, applications, and associated systems under www.pienaargroupexecutive.com.

Services — private commercial lending, business-finance facilities, operational funding, and related administrative support provided by Pienaar Group Limited.

Agreement — the binding commercial loan contract formed between Pienaar Group and the Client once a facility is approved and accepted.

2. Acceptance of Terms

By creating an account, submitting an application, or using our platform, you:

• Confirm that you are over 18 years old and legally competent to enter into commercial agreements.

• Authorise Pienaar Group to verify your identity, business information, and documentation.

• Agree that electronic acceptance and digital signatures constitute valid and enforceable contracts.

3. Scope of Services

Pienaar Group provides private commercial funding including:

• Business development loans

• Commercial and investment-purpose facilities

• Agricultural and operational finance

• Asset-based and secured lending

All lending is strictly for business, commercial, or investment purposes.
We do not provide personal, household, or consumer loans.

No deposit-taking, savings accounts, or banking services are offered.

4. Account Registration

To access our commercial lending services, applicants must:

• Provide accurate, current information

• Maintain confidentiality of login credentials

• Notify us immediately of any unauthorised access

We may suspend or terminate accounts that contain false, incomplete, or misleading information.

5. Loan Applications and Agreements

All applications undergo a commercial due-diligence review, which may include:

• Verification of business activity, income, or revenue

• Review of bank statements and supporting documents

• Assessment of proposed security (if applicable)

If approved, applicants will receive a Commercial Loan Agreement outlining:

• Loan amount

• Repayment schedule

• Interest rate

• Fees (if applicable)

• Security terms

No funds are disbursed without a signed agreement.

All loans must be used for business, commercial, or investment purposes only.

6. Fees and Charges

All applicable fees, if any, are disclosed in the Loan Agreement.
These may include:

• Origination or documentation fees

• Administrative costs

• Late payment penalties

• Legal recovery costs in case of default

Fees are determined contractually and are not governed by consumer-credit regulations, as all facilities are commercial in nature.

7. Repayments and Defaults

Repayments must be made on the schedule provided in the Loan Agreement.

Late or missed payments may result in:

• Penalty fees

• Additional interest

• Suspension of access to services

• Enforcement and recovery procedures

Persistent non-payment may result in legal action.
The borrower remains liable for all outstanding principal, interest, and reasonable legal and collection costs.

8. Interest Rates

Interest rates are determined based on commercial risk, loan duration, and prevailing market conditions.
Rates may be fixed or variable as specified in the Commercial Loan Agreement.

9. Privacy and Data Protection

We process personal and business information in accordance with:

• The Protection of Personal Information Act (POPIA)

• GDPR, where applicable

Information may be shared with:

• Verification providers

• Payment processors

• Legal representatives

• Regulatory authorities when required

See our Privacy Policy for more details.

10. Communication and Notices

You consent to receive communications via:

• Email

• SMS

• WhatsApp

• In-app or system notifications

Notices are deemed received once sent to your registered contact details.
You may opt out of marketing communications at any time.

11. Limitation of Liability

Pienaar Group is not liable for:

• Indirect, incidental, or consequential losses

• Technical interruptions caused by third-party systems

• Losses arising from unauthorised access due to client negligence

Nothing in these Terms limits rights that cannot be restricted under South African law.

12. Termination of Service

We may suspend or terminate any account or loan facility if:

• Fraud, misuse, or suspicious activity is detected

• Required documents are withheld

• Repayment obligations are not met

• Legal or compliance standards require termination

Upon termination, all outstanding amounts become immediately due and payable.

13. Dispute Resolution

Disputes will first be addressed through internal resolution procedures.
If unresolved, the matter may be referred to:

• Independent mediation, or

• A South African court with competent jurisdiction

Because Pienaar Group provides commercial lending only, consumer credit ombudsman services do not apply.

14. Amendments

We may update these Terms at any time.
Revised versions will be posted on our website.
Continued use of the Platform constitutes acceptance of updated Terms.

15. Governing Law

These Terms are governed by the laws of the Republic of South Africa.
All disputes fall under the exclusive jurisdiction of the High Court of South Africa.

16. Contact Information

Pienaar Limited T/A Pienaar Group
Suite 196, 8 Shepherd Market, Mayfair, London W1J 7JY
📧 Email: loans@pienaargroupexecutive.com
☎️ Tel: +27 (0)10 123 4567
🌐 Website: www.pienaargroupexecutive.com