Using OpenCredit Without Guesswork
OpenCredit is operated by Astros Marketing (Pty) Ltd and provides general information for people in South Africa who want to understand credit scores, credit reports, debt review, budgeting and the National Credit Act. The site is intended for personal and informational use. It is not a substitute for regulated financial, legal or debt counselling advice.
You may use the site to read content, review educational material and submit an enquiry through the contact form. You must not use the site in a way that breaks the law, interferes with the site, or copies material for unlawful distribution. Any use of the site must be lawful and respectful of other users and of OpenCredit systems.
What You May Read, Share and Reuse
All text, layout, graphics, icons, page structure and other content on this site belong to Astros Marketing (Pty) Ltd or are used with permission. You may view the content for your own information, and you may print or save small portions for private reference. Any wider use needs written permission first.
- You may not copy whole pages and present them as your own work.
- You may not alter our content and pass it off as official guidance.
- You may not use automated tools to scrape, harvest or republish site content.
- You may not remove copyright notices, notices on use or compliance wording.
Credit Scores, Reports and Debt Review Information
Information on this site explains credit scores, credit reports, debt review, consumer rights and the National Credit Act in general terms only. Credit scores are numerical assessments based on information held by credit providers and credit bureaus. Credit reports may include accounts, payment history, defaults and related records, and those records can affect access to credit. Debt review is a formal process, and the assessment, documents, court steps and clearance process can differ from one matter to another.
Nothing on this site is a promise of approval, a guarantee of outcome or a recommendation for your personal circumstances. If you need advice on your situation, confirm the position with a registered debt counsellor or the National Credit Regulator. You remain responsible for checking any decision before acting on it.
Information You Send Through the Enquiry Form
When you use the enquiry form on the contact page, you may provide contact details and information about your credit or debt review question. Please only send information that is accurate and relevant to your enquiry. Do not include sensitive details that are not needed for the first conversation, such as full card numbers or unnecessary personal records.
- We use submitted details to handle the enquiry and support the service requested.
- We may keep records for administration, compliance and service follow-up.
- You are responsible for making sure the information you submit is true and current.
- If you send information about someone else, you must have authority to do so.
Limits on Reliance and Liability
OpenCredit takes care to keep information current, but credit law, studio data and consumer processes can change. Content may not always reflect the latest legal position, administrative practice or studio record. You should verify important matters before relying on them, especially where a credit decision, court process or debt review application is involved.
To the fullest extent allowed by law, OpenCredit and Astros Marketing (Pty) Ltd are not liable for losses that arise from your use of the site, your reliance on general content, or errors outside our control. This includes indirect loss, missed opportunity, data issues and decisions made on the basis of general information only.
Updates, Governing Law and Contact
We may update these terms from time to time to reflect legal, technical or service changes. The version published on the site at the time of use applies to that visit. Continued use of the site means you accept the updated terms as published.
These terms are controlled by the laws of South Africa. If a provision is found to be unenforceable, the remaining provisions will continue to apply. For questions about the site or its terms, use the enquiry form on the contact page and select the topic that best matches your query.