🌿 TERMS & CONDITIONS
ASHA 29 (Pty) Ltd
1. Nature of Services ASHA 29 (Pty) Ltd provides independent financial and credit advisory services. Services include financial position assessments, budgeting guidance, credit report education, and general advisory support. ASHA 29 (Pty) Ltd does not conduct debt review, negotiate with creditors, collect consumer payments, or perform any regulated debt counselling or credit intermediation functions as defined under the National Credit Act 34 of 2005. Where regulated services are required, clients will be referred to appropriately registered professionals.
2. No Professional Debt Counselling The advisory services provided do not constitute formal debt counselling, legal advice, financial planning, or credit intermediation. Clients are responsible for seeking appropriate registered or licensed professionals where required.
3. Client Responsibility Clients acknowledge that: • All information provided to ASHA 29 (Pty) Ltd must be accurate and complete. • Financial decisions remain the sole responsibility of the client. • Advisory guidance does not guarantee any specific financial outcome.
4. Fees and Payment Consultation fees are payable prior to or at the time of service delivery unless otherwise agreed in writing. Fees cover advisory services only and do not include services rendered by third-party professionals.
5. Limitation of Liability ASHA 29 (Pty) Ltd shall not be held liable for: • Decisions made by the client based on advisory discussions • Outcomes of services rendered by third-party professionals • Any indirect or consequential financial loss Liability is limited to the value of the consultation fee paid.
🌿 PRIVACY POLICY
ASHA 29 (Pty) Ltd
1. Introduction
ASHA 29 (Pty) Ltd respects your privacy and is committed to protecting your personal information in accordance with the Protection of Personal Information Act, 2013 (POPIA) of South Africa.
This Privacy Policy explains how we collect, use, store, and protect yor personal information.
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2. Information We Collect
We may collect the following personal information:
• Full name
• Contact details (phone number and email address)
• Financial information voluntarily provided during consultations
• Information submitted through website forms
• Any documentation provided for advisory purposes
We only collect information necessary to provide our advisory services.
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3. Purpose of Collection
Your personal information is collected for:
• Providing financial and credit advisory services
• Responding to enquiries
• Scheduling consultations
• Maintaining internal records
• Referrals to registered professionals (with your consent)
We do not sell or trade personal information.
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4. Lawful Processing
Personal information is processed:
• With your consent
• Where necessary to provide requested services
• Where required by law
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5. Sharing of Information
Personal information will not be shared with third parties without your consent, except:
• Where required by law
• Where you request referral to a registered professional
ASHA 29 (Pty) Ltd is not responsible for the privacy practices of referred third parties.
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🌿 WEBSITE DISCLAIMER ASHA 29 (Pty) Ltd
The information provided on this website is for general advisory and informational purposes only. ASHA 29 (Pty) Ltd provides independent financial and credit advisory services. We do not conduct debt review, negotiate with creditors, collect consumer payments, or perform regulated debt counselling functions as defined under the National Credit Act 34 of 2005.
Nothing on this website constitutes legal advice, financial planning services, or regulated credit intermediation. Where regulated services are required, clients are referred to appropriately registered professionals.
While every effort is made to ensure accuracy, ASHA 29 (Pty) Ltd makes no warranties regarding completeness, reliability, or outcomes resulting from reliance on the information provided. Use of this website does not create a client relationship until a formal consultation agreement has been entered into.
6. Referrals Where referrals are made, ASHA 29 (Pty) Ltd does not assume responsibility for the services, conduct, or outcomes of the referred professional. Clients are encouraged to independently verify the registration status of any referred party.
7. Confidentiality All client information is treated as confidential and will not be shared with third parties without consent, except where required by law.
8. Amendments ASHA 29 (Pty) Ltd reserves the right to amend these Terms & Conditions at any time. Updated versions will be published on the website.
6. Data Security We take reasonable technical and organisational measures to safeguard personal information against loss, misuse, or unauthorized access.
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7. Your Rights Under POPIA, you have the right to:
• Access your personal information • Request correction of inaccurate information
• Request deletion of information (subject to legal limitations)
• Withdraw consent Requests may be submitted in writing to: [consultants@asha29.org]
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8. Retention of Information Personal information is retained only as long as necessary to fulfil the purpose for which it was collected or as required by law.
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9. Updates to This Policy ASHA 29 (Pty) Ltd reserves the right to update this Privacy Policy. Updates will be published on this website.
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10. By contacting us via WhatsApp or email, you consent to electronic communication in accordance with our Privacy Policy. Informal messaging does not constitute regulated financial or debt counselling services.
ASHA 29 (Pty) Ltd provides independent financial and credit advisory services only.
We do not conduct debt review or negotiate with creditors.
NCR registration in progress.