Terms of Service

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User”, “you”, or “your”) and Ranta Tech platform operating under PEAK PHOENIX VENTURES (PTY) LTD (“Ranta”, “Platform”, “we”, “our”, or “us”) governing your access to and use of the Ranta mobile application, website, platform, and related services (collectively, the “Services”).

By accessing or using the Services, you acknowledge that you have read, understood, and agreed to be bound by these Terms.

If you do not agree to these Terms, you must immediately discontinue use of the Services.

1. Eligibility

The Services are intended solely for individuals who:

• Are at least 18 years of age;
• Have legal capacity to enter into binding agreements;
• Comply with all applicable laws and regulations.

The Platform reserves the right to refuse access to the Services at its sole discretion.

2. Services

Ranta provides a technology platform designed to facilitate digital onboarding, financial services access, identity verification, credit-related assessments, and related operational services.

The platform may partner with third-party financial institutions, lenders, verification providers, payment providers, and other service providers in connection with the Services.

Nothing contained within the Services constitutes financial, legal, investment, or tax advice.

3. Account Registration

Users may be required to create an account to access certain Services.

Users agree to:

• Provide accurate and complete information;
• Maintain the confidentiality of account credentials;
• Immediately notify the Platform of unauthorized access or suspected security breaches.

Users are solely responsible for activities conducted through their accounts.

4. Verification and Consent

The Platform may require identity verification, employment verification, banking verification, affordability assessments, and fraud prevention checks.

By using the Services, Users expressly authorize the Platform and its partners to:

• Verify submitted information;
• Conduct identity and fraud checks;
• Access and process financial and transactional information where consent is provided;
• Communicate with third-party verification providers and financial institutions.

Failure to provide required information may result in denial or limitation of access to the Services.

5. No Guarantee of Approval

Submission of information or use of the Services does not guarantee:

• Approval for financial products;
• Loan disbursement;
• Credit approval;
• Access to partner services.

All approvals remain subject to applicable underwriting, verification, compliance, and risk assessment criteria.

6. User Obligations

Users agree not to:

• Provide false or misleading information;
• Impersonate another person or entity;
• Engage in fraudulent, unlawful, or abusive conduct;
• Attempt unauthorized access to systems or data;
• Interfere with the operation or security of the Services.

The Platform reserves the right to suspend, restrict, or terminate access where violations are suspected.

7. Third-Party Services

The Services may integrate with or rely upon third-party services, including:

• Financial institutions;
• Credit bureaus;
• Identity verification providers;
• Payment providers;
• Banking connectivity providers.

The Platform does not control third-party services and shall not be responsible for their actions, availability, content, policies, or performance.

8. Fees and Charges

Certain Services may involve fees, charges, interest, repayment obligations, or other financial terms imposed by third-party financial institutions or partners.

Applicable terms will be disclosed separately where required.

Users are responsible for reviewing all applicable financial agreements prior to acceptance.

9. Intellectual Property

All intellectual property rights relating to the Services, including but not limited to:

• Software,
• Designs,
• Logos,
• Trademarks,
• Content,
• Technology,
• Documentation,

shall remain the exclusive property of the Platform or its licensors.

Users may not reproduce, modify, distribute, reverse engineer, or exploit any portion of the Services without prior written authorization.

10. Privacy

Use of the Services is also governed by the Platform’s Privacy Policy.

By using the Services, Users consent to the collection, processing, storage, and sharing of information as described in the Privacy Policy.

11. Disclaimers

The Services are provided on an “AS IS” and “AS AVAILABLE” basis.

To the maximum extent permitted by law, the Platform disclaims all warranties, representations, and guarantees, whether express, implied, statutory, or otherwise, including but not limited to:

• Merchantability;
• Fitness for a particular purpose;
• Availability;
• Accuracy;
• Non-infringement.

The Platform does not warrant uninterrupted or error-free operation of the Services.

12. Limitation of Liability

To the maximum extent permitted by applicable law, the Platform, its affiliates, officers, employees, partners, and service providers shall not be liable for:

• Indirect damages;
• Consequential damages;
• Incidental damages;
• Loss of profits;
• Loss of data;
• Business interruption;
• Financial losses arising from use of the Services.

The aggregate liability of the Platform shall not exceed the amount paid by the User, if any, for access to the Services during the preceding twelve months.

13. Indemnification

Users agree to indemnify, defend, and hold harmless the Platform and its affiliates from and against any claims, liabilities, damages, losses, costs, or expenses arising from:

• Violation of these Terms;
• Misuse of the Services;
• Fraudulent or unlawful conduct;
• Violation of rights of third parties.

14. Suspension and Termination

The Platform reserves the right, at its sole discretion and without prior notice, to:

• Suspend accounts;
• Restrict access;
• Terminate Services;
• Remove content;
• Refuse future access,

where necessary for legal, regulatory, security, operational, or risk management purposes.

15. Modifications to Services

The Platform reserves the right to modify, suspend, discontinue, or update any aspect of the Services at any time without liability.

16. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws and regulations governing the jurisdiction in which the Platform operates.

17. Contact Information

For questions regarding these Terms, please contact:

18. Acceptance

By accessing or using the Services, Users acknowledge and agree to be bound by these Terms and Conditions.