Legal Agreement

Terms of Service

Please read these terms carefully before using any services provided by Debt Relief Hub.

Last updated: July 2026

1. Acceptance of Terms

By accessing and using the Debt Relief Hub website and services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

Debt Relief Hub provides credit rehabilitation facilitation services. We are not registered debt counsellors under the National Credit Act. We facilitate debt review removal, adverse listing disputes, account updates, and credit rehabilitation by coordinating with our network of NCR-registered debt counsellor partners on your behalf.

3. No Legal or Financial Advice

The information on this website is provided for general informational purposes only and does not constitute legal or financial advice. Every consumer's situation is unique. We strongly recommend that you obtain independent advice before taking any action based on information found on this website.

4. Eligibility

Our services are available to South African residents aged 18 years or older. By engaging our services, you confirm that you are legally competent to enter into a binding agreement under South African law.

5. Client Responsibilities

  • You must provide accurate, complete, and truthful information when completing our qualification process.
  • You are responsible for ensuring all supporting documents provided are authentic and up to date.
  • You agree not to use our services for any unlawful purpose or in violation of any applicable South African law.

6. Fees and Payment

Initial consultations and credit assessments are provided free of charge. Service fees for facilitation work are disclosed transparently before any engagement begins. We will never charge hidden fees. All fee agreements are documented in writing prior to service delivery.

7. No Guarantee of Outcome

While we strive for the best outcomes for every client, we cannot guarantee specific results as outcomes depend on factors beyond our direct control, including court decisions, creditor cooperation, and credit bureau response times. Our success rate is high, but no outcome can be guaranteed as a matter of law.

8. Intellectual Property

All content on this website — including text, graphics, logos, and layout — is the intellectual property of Debt Relief Hub and may not be reproduced, distributed, or used without express written permission.

9. Limitation of Liability

To the maximum extent permitted by South African law, Debt Relief Hub shall not be liable for any indirect, incidental, or consequential damages arising from your use of our website or services.

10. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising from these terms shall be subject to the jurisdiction of the South African courts.

11. Changes to These Terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated revision date. Continued use of our services after any changes constitutes your acceptance of the new terms.

12. Contact Us

For any questions regarding these Terms of Service: