Last updated: 2018/12/06


“Imali Direct” means a website and/or loan portal owned and operated by Ammacom Credit (Pty) Ltd. In instances where reference is made to “Us, Our, We”, and for purposes of any disclaimer and/or indemnity, the reference will expressly include the directors, shareholders, employees, subcontractors, agents, successors-in-title and assignees of Ammacom Credit (Pty) Ltd.

“Ammacom Credit” means Ammacom Credit (Pty) Ltd, a private company registered in South Africa (registration number 2015/201855/07) and a Registered Credit Provider with the NCR (Registration Number NCRCP8496).

“ECT Act” means the Electronic Communications and Transactions Act 25 of 2002.

“Website” means www.imalidirect.co.za and includes all affiliated pages, subdomains, and protocols, and which may include products and/or services as offered by Imali Direct, Ammacom Credit and/or third parties.

“Website Materials” means all materials, text, drawings, illustrations, and data made available on this Website and owned by Ammacom Credit.

“Trademarks” means trademarks, names, logos, and service marks of Ammacom Credit.

“User(s)” which may also be referred to as “You, Your, Yourself” means any person accessing any part of this Website.

“NCR” means the National Credit Regulator.

“Terms of Use” which may also be referred to as “Website Terms of Use, Website Terms, Website T&Cs, Terms” means the Terms and Conditions regarding the use of the Imali Direct Website, as described on this page, and subject to modification from time to time.

“Personal Info” means information that is personally identifiable to You, and may include, but is not limited to, Your contact details, employment, banking, affordability, and other personal information that may be required to conclude a commercial agreement between Imali Direct and Yourself.




This Website is operated by Ammacom Credit, and is intended to provide general information regarding Ammacom Credit, our products and services, and other information which may be of interest to You. This Website is also used as a platform for online loan application(s), where Users may be able to apply for a short-term loan from Ammacom Credit. The information on this website is not intended to provide exhaustive treatment of any subject and does not constitute financial, accounting, tax, legal, investment, insurance, debt, consulting, counselling, and/or any other professional advice or service.

Ammacom Credit strives to update the content and information on this Website regularly, but We make no representation or warranty, whether express, implied in law, or residual, as to the accuracy, completeness and/or reliability of any such content and information on this Website.

Ammacom Credit may at any time modify this Website and the Terms of Use without prior notice to You. Such modifications will be made available on this Website, and will supersede any previous versions of this Website and/or Terms.



By accessing and/or utilising this Website, You warrant and represent to Ammacom Credit that You are legally entitled to do so, and You accept and agree to be bound by the Terms of Use as provided for in this legal notice.

If you subscribe to and/or apply for any of Our products and/or services, You warrant and represent to Ammacom Credit that You are legally entitled to do so.

By continuing to use this Website and/or Our products and services, You agree to be bound by these Terms, effective from the first time You access this Website. Ammacom Credit may change, modify, add to or remove from portions or the whole of these Terms. Changes to the Terms will become effective when the changes are posted on the website.  Your continued use of the website following the posting of changes or updates will be considered as your acceptance of the updated Terms. Please note that these Terms refer to Your use of this Website, and do not refer to any commercial agreement(s) which may be successfully concluded between Yourself and Ammacom Credit and/or any other third party pursuant to the use of this Website.

Should You continue to use this Website, and/or apply for a short term loan and/or subscribe to any of Our products and/or services, You agree to provide Us with accurate Personal Info as required to conclude any commercial agreement(s), and for the purpose of Us being able to contact You, in accordance with our Privacy Policy.

Ammacom Credit is a responsible lender and We subscribe to the requirements of the NCR when considering short term loan applications. As such, and in order to conclude any commercial agreement(s), You will be required to upload a copy of your South African ID document, Your most recent 3 months’ banks statements, and Your most recent payslip. It is Your responsibility to keep such documentation up to date on Our website should You apply and/or reapply for any commercial agreement(s) with Us.

If You disagree and/or do not accept these Terms, please close this browser and do not continue to use this Website.


You hereby agree that, by Your continued use of this Website, You authorise Ammacom Credit to make use of Your personal information to contact You directly by email, SMS, web-chat, telephone, cell phone, fax, social media, and other communication channels available to Ammacom Credit from time to time when communicating or attempting to communicate with You directly or indirectly.



This Website is provided “as-is” and Ammacom Credit expressly disclaims all warranties, representations, conditions, statements and/or guarantees of any kind, either express, residual, or implied in law, regarding the Website, products and/or services, and/or access of information on or via this Website. Ammacom Credit does not warrant that this Website and/or any media, content, links, or software available for download via This Website are free from viruses and/or destructive code(s).

Ammacom Credit does not make any warranty or representation that the information, products and/or services on this Website are appropriate for use in any jurisdiction.

By accessing this Website, You warrant that You will not Use the Website, products and/or services, content and/or information made available or sent to You by Us pursuant to Your use of this Website for any purpose that is unlawful or prohibited under South African or International law, or that is in contradiction to the Terms of Use.

You hereby agree that the Use of Our Website by You is at Your sole discretion and risk, and that You assume full responsibility for any costs associated with Your continued Use of this Website, and in particular beyond the Terms of Use after a successful commercial agreement(s) is concluded with Ammacom Credit.

You hereby indemnify Ammacom Credit against any loss, liability, damage, and/or expense of any nature which You, Ammacom Credit and/or any third party may suffer due to, and/or attributable to Your Access of this Website, the (non) availability of this Website, and/or a breach by You of this Website and/or its Terms of Use, and/or Your reliance on any information offered via this Website, whether caused directly, indirectly or consequentially.

Information transmitted via the internet is susceptible to monitoring and interception. While Ammacom Credit strives to keep Your session on this Website secure, You accept and bear all risk(s) of transmitting information in this manner. You hereby indemnify Ammacom Credit against any loss, harm, or damage suffered by You as a result of transmitting information to Us.

Should we discover that any information represented by You is fraudulent and/or has been falsified, You indemnify Us to report such information to the relevant authorities.

Should We enter into a commercial agreement(s) with You, that agreement will be governed by the Terms and Conditions thereof, and not by these Terms, which specifically refer to the use of this Website.



Copyright, all intellectual property rights, and all Website Materials are owned by Ammacom Credit. Alternatively Ammacom Credit is the lawful user thereof, and are protected by both South African and international intellectual property laws. Any unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other circulation or exploitation of such material or any component thereof will be an infringement of such copyright and other intellectual property rights; save that You may use the Website Materials or any component thereof for Your own private purposes and for purposes of considering and making use of the products and services offered by Ammacom Credit. The Trademarks displayed on this Website are registered and unregistered trademarks of Ammacom Credit, and nothing contained on this Website should be construed as granting any licence or right to use any Trademarks without the prior written permission of Ammacom Credit.



This Website may include links to other websites which may be intended to enhance and/or supplement the User experience of this Website. Ammacom Credit does not necessarily endorse nor take any responsibility whatsoever for the content of such link(s) and destination website(s), whose Terms should be read and agreed to independently of the Terms of Use for this Website.

No third party or unauthorized User may establish a hyperlink, frame, meta tag, or similar reference to this Website, whether electronically or otherwise (collectively referred to as linking) before receiving written permission by Ammacom Credit to do so.



Data messages (as defined by the ECT act) addressed by You to Imali Direct and/or Ammacom Credit shall be deemed to have been created and sent by You from within the geographical boundaries of South Africa.

Data messages addressed by You to Imali Direct and/or Ammacom Credit shall only be deemed to have been received by Imali Direct and/or Ammacom Credit if Imali Direct and/or Ammacom Credit responds thereto.

Imali Direct and/or Ammacom Credit will regard communication sent to you by email as having been received by Yourself one day after it was sent.

Electronic signatures, encryption, and/or authentication are not required for valid electronic communications between You and Imali Direct and/or Ammacom Credit.

You agree and warrant that data messages sent by You to Imali Direct and/or Ammacom Credit from a computer, IP address or mobile device normally used by or owned by You, are sent and/or authorised by You personally.



Access to the services and content available on this Website is classified as “electronic transactions” in terms of the ECT Act. Therefor Users have the rights detailed in Chapter 7 of the ECT Act, and Ammacom Credit has the duty to disclose the following information:

Full Name and Legal Status of the Website Owner: Ammacom Credit (Pty) Ltd, registered and active South African Private Company, Registration Number 2015/201855/07.

Street Address and Physical Address For Receipt Of Legal Services: Unit 2002, Building 11, Highgrove Office Park, Highveld Techno Park, Centurion, 0169

Postal Address: PO BOX 50401, Randjiesfontein, 1683, South Africa

Main Business: Credit Provider



The website is controlled, operated and administered by Ammacom Credit from its offices within the Republic of South Africa.

For purposes hereof, the Terms of Use agreement shall be deemed to have been concluded in Pretoria, Gauteng, South Africa, at the time You access this Website for the first time.

The Terms of Use Agreement will be governed by the laws of the Republic of South Africa, and you consent to the jurisdiction of the North Gauteng High Court in the event of any dispute.

If any of the provisions of the Terms of Use Agreement are found by a court of competent jurisdiction to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible so as to give effect to the intent of the Terms, and the remainder of the Terms will continue in full force.



This Website uses Cookies, which are small pieces of temporary or session information that are sent to Your browser and stored on Your hard drive. These Cookies are used by Ammacom Credit in order to provide the best possible service on Our Website to Our Users, to collect statistical data about browsing behaviour, audience size, and usage patterns. These Cookies are used to collect statistics and while they are not able to identify individual Users, Cookies provide a means for Us to recognise Your device when You return to this Website. Temporary or session cookies are deleted when the browser is closed, and Users can alter the way in which their browser(s) handle Cookies. Should you choose to do so, it is possible (depending on the browser you are using), to be prompted before accepting any cookies, or to prevent your browser from accepting any cookies at all. This may however cause certain features of the website not to be accessible.

We respect Your privacy and Your personal information and We are committed to maintaining the accuracy, confidentiality, and security of Your Personal Info.

To that effect, Our Privacy Policy governs how we collect, use, and disclose your Personal Info, and we encourage you to familiarise yourself with Our Privacy Policy at https://imalidirect.co.za/privacy-policy.aspx



We strive to answer any questions that a User might have regarding the use of this Website, the application for a short term loan, subscription to Our products and services, and any other commercial agreement(s) that may be entered into between a User and Ammacom Credit.

For a list of Frequently Asked Questions regarding Imali Direct, please refer to Our FAQ page at: https://imalidirect.co.za/FAQ.aspx

For any other questions, please contact Imali Direct at:

Tel: 010 594 5138

Email: vasb@vznyvqverpg.pb.mn