Our usage agreement with you

We know it's tempting to skip these Terms of Service, but it's important to establish what you can expect from us as you use our services, and what we expect from you.

Terms of Service

Nora Finance (Pty) Ltd


Nora Finance (Pty) Ltd and its affiliates (suppliers and service providers) provide their services to you subject to the conditions detailed in this agreement. By using the Nora Finance (Pty) Ltd website/app and/or registering to shop on Nora Finance (Pty) Ltd you confirm that you have familiarized yourself with the terms and conditions governing the conduct of parties accessing or using the Nora Finance (Pty) Ltd website/app to trade and that you agree to be bound by these terms and conditions. Your access to the Nora Finance (Pty) Ltd website/app and use of any services provided by Nora Finance (Pty) Ltd including any purchases made by you from Nora Finance (Pty) Ltd are subject to terms and conditions established under the following headings.

  • Terms of Use of Nora Finance (Pty) Ltd Website/app
  • Terms of Trade with Nora Finance (Pty) Ltd
  • Privacy and Security Statement
  • Intellectual Property Statement
  • Dispute Resolution
  • Compliance with statutory consumer protection provisions

Terms of Use of Nora Finance (Pty) Ltd Website/app

Nora Finance (Pty) Ltd grants you a limited license to access and make personal use of the Nora Finance (Pty) Ltd website/app. You are not allowed to modify (other than page caching) the website/app or any portion thereof without the prior written consent of Nora Finance (Pty) Ltd.

This license does not permit any resale or commercial use of the Nora Finance (Pty) Ltd website/app or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of the Nora Finance (Pty) Ltd website/app or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools.

You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of the Nora Finance (Pty) Ltd website/app so long as the link does not portray Nora Finance (Pty) Ltd, its affiliates, or their products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Nora Finance (Pty) Ltd logo or other proprietary graphic or trademark, or those of their affiliates, as part of the link without prior written permission of the owner of the graphic or trademark.

Nora Finance (Pty) Ltd may provide links from the Nora Finance (Pty) Ltd website/app to other website/apps which may offer services to you and is not responsible for evaluating the content or offerings made on these websites/apps.


You expressly agree that your use of Nora Finance (Pty) Ltd websites/apps is at your sole risk.

To the full extent permissible by South African law, Nora Finance (Pty) Ltd disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Nora Finance (Pty) Ltd will not be liable for any damages of any kind arising from the use of the Nora Finance (Pty) Ltd websites/apps, including, but not limited to direct, inirect, incidental, punitive, and consequential damages.

All warranty on products are strictly compliant with the Consumer Protection Act. Should an additional manufacturer's warranty be afforded on the product, such product will be returned at our cost to the end-user, if found in compliance with the terms of such warranty.

Applicable law

The Nora Finance (Pty) Ltd website/app and all communications and transactions concluded using the website/app, are governed by, and you agree to, the application of the laws of the Republic of South Africa. As the website/app is targeted at South African citizens and residents any limitations on implied warranties or the exclusion or limitation of certain damages which may be applicable under the laws of any other jurisdiction are expressly waived by you.

3. TERMS OF TRADE WITH Nora Finance (Pty) Ltd

Invitation to do business

Only when Nora Finance (Pty) Ltd has accepted your offer to purchase and the acceptance is communicated to you, will an enforceable agreement of sale be transacted. Despite our best efforts, a small number of the products or services offered on the website/app may be mis-priced. If we discover a mis-pricing, we will do one of the following:

  • If the correct price is lower than our stated price, we will charge the lower amount.
  • If the correct price is higher than our stated price, we will, at our discretion, either contact you for instructions before accepting your order or notify you that the order has not been accepted.

IMPORTANT: If any products or services are supplied and delivered to you directly by, or through, a third party, even though access to the products and services is gained through the Nora Finance (Pty) Ltd website/app, the supply of these products and services may be subject to conditions which differ from those governing the terms of trade with Nora Finance (Pty) Ltd . You shall be solely responsible for ensuring that you understand and agree to the terms and conditions governing the sale of these products and services. Place and time of agreement. Agreement as to the terms of use of the Nora Finance (Pty) Ltd website/app shall be deemed to have be accepted by you at the time that you first accessed the Nora Finance (Pty) Ltd website/app.


Due to the popularity of some products or services, Nora Finance (Pty) Ltd may not always have any products or services ordered by you in stock. Nora Finance (Pty) Ltd will accept orders for out of stock products or services to ensure that you will be the first to receive the item once it becomes available. If the products and services ordered by you are not available or only a portion is available, you may cancel the order, or re-order the quantity that is available, or place a backorder. Once the products or services become available, it will be shipped to you.

Electronic communications

When you visit Nora Finance (Pty) Ltd or send e-mails to us, you are communicating with us electronically. Nora Finance (Pty) Ltd will communicate with you by e-mail or by posting notices on the Nora Finance (Pty) Ltd website/app. 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.


Registration as a purchaser is restricted to individuals who may legally enter into binding and enforceable agreements. No person under the age of 18, or not legally permitted to enter into a binding and enforceable agreement, may register as a purchaser. Any person not permitted to register as a purchaser but who does so, shall be guilty of committing a fraud and Nora Finance (Pty) Ltd may take whatever legal action it deems necessary to obtain the appropriate relief.

In registering as a purchaser you are required to provide Nora Finance (Pty) Ltd with, complete and accurate information about yourself and you warrant that the information provided is correct.

If you are in breach of, or Nora Finance (Pty) Ltd believes that you may breach, any of the terms and conditions governing the use of, or trading using the Nora Finance (Pty) Ltd website/app, Nora Finance (Pty) Ltd may, in its absolute discretion, either suspend or terminate your registration as a purchaser.


You are solely responsible for ensuring the confidentiality of your password, which authenticates your identity. You acknowledge this responsibility and agree that any communication or transaction that may be made using your password, shall be attributed to you.

If you suspect that the confidentiality of your password has been compromised, you should immediately advise Nora Finance (Pty) Ltd of this fact by email. Nora Finance (Pty) Ltd shall on receipt of the email suspend your registration pending your further instructions. You shall remain responsible for all transactions effected prior to the suspension of your registration and liable for any payments that may flow from these transactions.


Nora Finance (Pty) Ltd may amend the terms and conditions governing access to the Nora Finance (Pty) Ltd website/app as well as trade using the website/app.


Nora Finance (Pty) Ltd knows that you care how your personal information may be collected, processed and used; we appreciate your trust that Nora Finance (Pty) Ltd will do so carefully and sensibly.

The information provided by you helps us personalize and continually improve your shopping experience at Nora Finance (Pty) Ltd. Here are the types of information we gather.

  • Automatic Information: Nora Finance (Pty) Ltd receives and stores certain types of information whenever you interact on the Nora Finance (Pty) Ltd website/app or communicate with Nora Finance (Pty) Ltd by email. For example, like many Web sites, we use "cookies", and we obtain certain types of information when your web browser accesses Nora Finance (Pty) Ltd.
  • Information You Give Us: We receive and store information you enter on the Nora Finance (Pty) Ltd website/app or that you may provide to Nora Finance (Pty) Ltd in any other manner. Certain of the information provided on registration is mandatory to assist us in ensuring that the communications and transactions entered into with you may be completed effectively and lawfully.
  • E-mail Communications: To help us make e-mails more useful, we may receive a confirmation when you open e-mail from Nora Finance (Pty) Ltd, if your computer supports such capabilities.

By providing the information to Nora Finance (Pty) Ltd you consent to Nora Finance (Pty) Ltd collecting maintaining, storing and processing the information, provided that Nora Finance (Pty) Ltd shall:

  • not disclose your personal information to a third party other than to effect the transactions agreed to in using the Nora Finance (Pty) Ltd website/app without obtaining your express consent to do so;
  • only disclose your personal information, without your consent, if legally required to do so;
  • be entitled to use the information provided by you to compile statistical or aggregated information in such a way that you may not be identified.

While Nora Finance (Pty) Ltd and its affiliates shall take commercially reasonable care to safeguard the information provided by you to Nora Finance (Pty) Ltd from unauthorized access or disclosure, Nora Finance (Pty) Ltd does not represent or guarantee that the safeguards will provide absolute protection.


Copyright in any information or trademarks displayed anywhere on the Nora Finance (Pty) Ltd website/app are protected by worldwide copyright laws and treaty provisions. The copyright of these materials is held by Nora Finance (Pty) Ltd, or by the original creator of the materials, or by suppliers and service providers to Nora Finance (Pty) Ltd.


Any dispute arising out of or in connection with this agreement including any question regarding its existence, validity or termination, will be resolved in accordance with the law of South Africa. The language used during the dispute resolution process will be English. For the purposes of any arbitration:

  • you choose the email address chosen by you in registering as a purchaser; and
  • Nora Finance (Pty) Ltd chooses info@mybusinessapp.co.za

By using the Nora Finance (Pty) Ltd website/app and accepting the conditions of use of the website/app and trade conducted using the website/app you bind yourself to the terms of arbitration provided in this agreement.


Nora Finance (Pty) Ltd adheres to the provisions of Chapter VII of the Electronic Communications and Transactions Act 25 of 2002 (“the Act”). Chapter VII of the Act provides protection to consumers and the provisions of the Act relevant to commercial transactions that may be effected on the Nora Finance (Pty) Ltd website/app, as well as the information required in terms of the Act, are provided for your reference.

Return of products or cancellation of service agreements

Nora Finance (Pty) Ltd shall, subject to the exclusions provided for below and the provisions relating to any return of products or cancellation of a service agreement, allow the return of products or cancellation of a service agreement, within seven days of the date of receipt by you of the products or the conclusion of an agreement to provide services. Exclusions from return of products or cancellation of service agreements. The provisions of this agreement relating to the return of goods and cancellation of any agreement to provide services shall not apply if:

  • any products and services are acquired by auction;
  • to services which commenced with the customer's consent, (either express or implied) prior to the expiry of the seven-day period;
  • where the price of the products or services depends on fluctuation in financial markets beyond the control of Nora Finance (Pty) Ltd;
  • where the products are personalised or made to the customer's specifications;
  • where the products by reason of their nature cannot be returned;
  • if audio, video recordings or any form of computer software are either used or if supplied other than in digital form, if the seal on the storage media is broken;
  • the sale of reading material in whatever form.

Customers obligations on return of products and services

If a customer cancels any transaction in respect of which delivery of the products or services (to the extent that the may be returned) have been delivered, within seven days of the receipt of the products or services, the customer shall return to Nora Finance (Pty) Ltd or its authorised agents, the products, undamaged in any manner, together with all packing materials and documentation delivered by Nora Finance (Pty) Ltd or its agents, to the customer as well as a written indication of the customer's choice to cancel the transaction. The customer shall refund to Nora Finance (Pty) Ltd all direct expenses incurred by Nora Finance (Pty) Ltd or its authorised agents, in the delivery of the products and services ordered by the customer, as well as the direct expenses incurred by Nora Finance (Pty) Ltd or its authorised agents in accepting return of the products and cancellation of the provision of services, arising as a result of the return of the products or cancellation of the services ordered by the customer.

Nora Finance (Pty) Ltd's obligations on return of the products and services

Within thirty days of return of the products or receipt of notice of cancellation of the agreement to deliver services Nora Finance (Pty) Ltd or its authorised agents shall refund to the customer any amounts paid by the customer less any amounts due by the customer to Nora Finance (Pty) Ltd as provided for above.

Disclosures in terms of section 43 of the Act: The following information is made available to you in compliance with Section 43 of the Act.

Full name and legal status of website/app owner: Nora Finance is the trading name and is wholly owned by Nora Finance (Pty) Ltd, a company duly incorporated in terms of the company laws of South Africa.

Self-regulatory or accreditation body: none.

Address for service of all legal documents: none.

NOTE: Warranty turnaround time, minimum 14 days.

Description of Services: Nora Finance (Pty) Ltd provides access to a variety of products and services that may be purchased online all of which are, or will be, described on the Nora Finance (Pty) Ltd website/app.

Price of goods: Prices are displayed in the website/app and are subject to Nora Finance (Pty) Ltd rights in respect of any mis-pricing stipulated in the clause dealing with Invitation to do business above. All prices of products and services displayed on the Nora Finance (Pty) Ltd website/app are inclusive of Value Added Tax.

Payment: Payment terms and manner of payment are stipulated in the clause dealing with payment above.

Terms and conditions governing this agreement: The full Terms and Conditions applicable to the access and use of the services provided on the Nora Finance (Pty) Ltd website/app and any amendments thereto, shall at all times be available on the Website/app, save to the extent that they may be varied in writing by the parties. These terms may be accessed on this Website/app, downloaded and stored, or reproduced at any time.

Delivery of products or services: The anticipated time of delivery of any products or services, purchase using the Nora Finance (Pty) Ltd website/app shall be indicated at the time that any order is accepted by Nora Finance (Pty) Ltd

Transaction records and history: A full record of transactions effected using Nora Finance (Pty) Ltd shall be available to the user for a period of 14 days from delivery of the products or services to the purchaser by Nora Finance (Pty) Ltd or its agents.

Dispute resolution: The provisions governing Dispute Resolution are stipulated under the clause Dispute Resolution above.

Privacy and Security: The provisions governing Privacy and Security are provided for under the clause Privacy and Security above.

Minimum duration of Agreement: There shall be no minimum duration of agreements entered into between users and registered purchasers to use the Nora Finance (Pty) Ltd website/app. All agreements shall endure indefinitely subject to either party's rights to terminate the agreement. The termination of the agreement by either party shall be without prejudice to any rights between the parties existing at the time of the termination, which shall endure beyond the date of termination.