Terms and Conditions of Service

We provide a once-off purchase or a subscription-based credit reporting scheme called MyCreditMonitor. MyCreditMonitor gives members access to Credit Reports and Scores, Credit alerts. MyCreditMonitor Credit reporting services are supplied and powered by Kudough Credit Solutions (Pty) Ltd.

These terms and conditions explain our services to You as our Client and Your obligations to Us. Please read these terms carefully before signing up to these services via this website since they apply as soon as You accept them – they are really important. If You have any questions or there is anything that You don’t understand then please contact us at:help@mycreditmonitor.co.za

MyCreditMonitor.co.za is a trading style of Triple Eight Media Pty Ltd. Company registration number: 2015/087851/07. 

All payment processing for MyCreditMonitor.co.za is undertaken by Kudough Credit Solutions (Pty) Ltd

Service and Delivery Policy

MyCreditMonitor.co.za works with Kudough Credit Solutions (Pty) Ltd to provide the fulfilment, support and delivery of the Credit Reporting Facility. You agree to abide by these terms. We acknowledge Your instructions expressly or by acting upon them. We treat You as our Client. We accept no liability or obligation to any third party whether or not You may be acting as their agent, fiduciary or intermediary. Even if You disclose their identity to Us and You are acting in such a capacity, Your obligations to Us remain unaffected. We are entitled to act on any oral or written instructions We receive from You or anyone We believe is to be authorised by You to give them.

MyCreditMonitor Membership Notices

You are a potential/actual member of the membership programme (called the "Scheme") as described in this document. Before You can access Your credit report (on an annual payment option) and make use of the Scheme You must first enrol in the Scheme (called "Membership"). This involves providing accurate and complete information including Your name, email address and postal address, and the payment information for membership fees should You continue Your Membership. Once you submit these details and agreed to our terms you will be enrolled as a member of the Scheme (called a "Member"). Importantly, a Member must be an individual who is: 

●an adult (i.e. aged 18 and over); or
●enrolled with an adult’s express approval or on behalf of that adult at his/her express instruction. 
●A person who does not qualify as described above is prohibited from becoming or being a Member. Any person who becomes a Member (or purports to do so), makes a statement, upon which We are entitled to rely, that that person is aged 18 years or older.
●A person may not become a Member unless they are based in the South Africa, as this is the area We service. A Member must have a postal address in the South Africa. Any person becoming a Member makes a statement, upon which We are entitled to rely, that, that person is, and will continue to be, based in the South Africa and that that person will supply a full postal address in the South Africa including a valid post code.
For information on our privacy practices please see our Privacy Policy. We take privacy very seriously and aim to comply with all relevant provisions of South African data protection legislation. All personal information provided through this website or by email, such as Membership enrolment information or information necessary to complete the purchase of a product/benefit, will be handled in accordance with the Privacy Policy.

Offer Details

You accept the offer details which are as follows:

●when You sign up to the Scheme as a Member You will, after payment, automatically receive a copy of your credit report;
●If you choose to purchase an annual membership that is paid monthly, this is charged monthly at the agreed upon rate as determined by the agent you dealt with at the time of signing up as a member. By joining this Scheme You agree that You will be liable to pay the Membership Fee;
●to ensure continuous service Your Membership fee will be automatically charged on or about the same date each month to the card/account details which You have specifically provided for this purpose when You signed up to be a member, and by joining this Scheme You agree to give us permission to do so, unless You terminate Your membership in accordance with the cancellation process set out below.

Member Benefits (Discounts and other benefits)

Any products or services purchased (taking into account Benefits or otherwise) must be purchased directly from the product or service vendors/providers. We do not supply, offer or charge for products or services (other than Membership which is a service which provides access to information, discounts, offers and promotions on those third party products and services.)
●The Member accepts the Credit Reporting Service Provider's own end user agreement before first use of the Credit Reporting Service and that end user agreement forms a contract between the Member and the Credit Reporting Service Provider;
●The Credit Reporting Service Provider is able to properly validate the identity and address details of the Member, and such validation is at the absolute sole discretion of the Credit Reporting Service Provider, this can be done by way of Knowledge Based Assessment (KBA) 
●The Credit Reporting Service Provider accepts the Member as a person eligible to receive the Credit Reporting Service, which is at the absolute sole discretion of the Credit Reporting Service Provider;
●The Member first properly registers on the Credit Reporting Service Provider's website; and 
●The Member complies at all times with the Credit Reporting Service Provider's own end user agreement. Breach of the Credit Reporting Service Provider's own end user agreement may terminate entitlement to receive the Credit Reporting Service.
●Members should note that the terms of the Credit Reporting Service Provider's own end user agreement permit the Credit Reporting Service Provider to suspend or terminate the Credit Reporting Service under the circumstances listed in the Credit Reporting Service Provider's own end user agreement

Acceptance and Terms of Membership

You indicate acceptance of this Agreement and agree to pay any relevant charges by completing the card payment section, selecting Terms and Conditions consent and by clicking on the "Yes I Agree, Take me to my credit report button on the Scheme enrolment page. Once this button is clicked there is a legally binding contract between the Member and us which consists of this Agreement, the Terms of Use and the Privacy Policy.
●Membership starts from the moment of successful enrolment on the scheme

●Membership lasts until Your Membership terminates as detailed in the cancellation paragraph.

Membership Rules

●Membership is personal to the person accepting these terms.
●Membership is non-transferable.
●Membership cannot be used by persons other than the Member.
●You shall ensure that no other persons have access to Your Member details.
●Other persons in the same household shall not access the Scheme, the Benefits or the Credit Reporting Service using the identity of the Member and You the Member shall be responsible to ensure this is upheld.
●Benefits, access to, and information from the Credit Reporting Service are not for resale.
●A Member must promptly notify us on becoming aware of any unauthorised use of the Membership number or if the Membership number is lost or stolen.

Membership Renewal

Unless a Member notifies Kudough Credit Solutions (Pty) Ltd that he/she wishes to terminate this Agreement (i.e. cancel his/her Membership) by following the instructions in the cancellation paragraph, that Member's Membership will be renewed automatically each month ("Renewal") and that Member will be charged the current Membership, which will appear on that Member's monthly billing statement.

Cancellation of Membership and Rights to Cancel

●A Member may terminate this Agreement (i.e. cancel Membership) at any time by notifying us via email to:help@mycreditmonitor.co.za

●MyCreditMonitor and/or Kudough Credit Solutions (Pty) Ltd reserves the right to terminate this Agreement (i.e. cancel Membership) at any time and for any reason. If We do this, We will re-credit to the relevant Member's account any sum deducted by us from the Member's credit card/debit card in respect of any period of Membership for which the Member has paid but which the Member will not benefit from because We have terminated this Agreement (pro rata if necessary in respect of time and payment). We will do this as soon as possible but in any event within 48 hours of termination. We will not be obliged to offer any additional compensation for disappointment suffered or otherwise.
●Termination of this Agreement (and cancellation of Membership) will be effective within 4 weeks of the receipt by us of the Member's cancellation request or our notice to the Member.
●Entitlement to access, make use of or benefit from Membership (including the Credit Reporting Service) shall cease.

Membership Fees and Continuous Payment Authority

●When signing up to be a Member, You provide us with a continuous payment authority ("CPA") so that We can collect repayments automatically from Your bank account using the debit card You nominate for this purpose.
●A Member can cancel Membership at any time (in accordance with the cancellation paragraph (as above)).
●If We have been unable to take the payment, We shall use CPA to make up to 24 further attempts for the full Membership Fee as follows:
●22 attempts will be made on the days following the start date of the membership. 
●Thereafter, one attempt will be made on each of the 2 successive Fridays following the attempt set out above. 
●Throughout the period referred to in the above paragraph, Your access to the Service may be suspended pending receipt of the Membership Fee. 
●To cancel this CPA You may ask us to cancel it by using the contact details above Please be aware that if You do cancel You will still owe any outstanding Membership Fees as agreed and Your access to the Service will be terminated. Cancellation of this CPA will be effective from the date that We receive such notification.

Membership Rules

●We will at all times carry out our obligations under this Agreement with reasonable care and skill. 
●The Benefits and the Credit Reporting Service have been designed for Members in the United Kingdom only (and in certain cases within certain regions of the United Kingdom). Not all Benefits (or the Credit Reporting Service) will be available therefore to all Members.
●We are constantly seeking new benefits for Members from providers. Accordingly, the Benefits and the particular services offered within the Credit Reporting Service are continually changing and We do not and cannot represent or warrant that any particular Benefits or elements of the Credit Reporting Service will be available at any particular time. We reserve the right to eliminate, add, change and substitute Benefits and/or elements of the Credit Reporting Service from time to time without notice to any or all Members.
●A Member agrees that We are not responsible or liable for any Benefits provided by providers or for the Credit Reporting Service provided by the Credit Reporting Service Provider and, if a Member has any claims relating to Benefits, the Member will make a claim against the relevant provider providing (or purporting to provide) the relevant Benefit; and
●To the Credit Reporting Service, the Member will make a claim against the Credit Reporting Service Provider providing (or purporting to provide) the relevant Credit Reporting Service.


We shall not be liable for any breach of obligation to You by any bank, counterparty, intermediary or other third party with whom You do business. You will be liable for any loss You suffer as a consequence of You providing inaccurate information. If there is any partial non-performance of our obligations, provided We have made reasonable endeavours to perform them You must give us full credit for doing so. We will incur no liability for any loss arising from non-performance by Us which is caused by something beyond our reasonable control including changes in the law or regulations affecting how We normally operate. In the event that any of these terms (each of which is severable) is for any reason illegal, invalid or unenforceable, such provision as deemed modified sufficiently to render it enforceable, legal and valid and of similar effect as We intended. Apart from provisions expressly covering associate companies, nothing in these terms is enforceable by anyone who is not a party to them.


We endeavour to make every effort to ensure our service to You is excellent, however if You wish to make a formal complaint, please send Your complaint in writing to us at help@mycreditmonitor.co.za We will issue a final response to You within 8 weeks of Us receiving Your complaint.


The copyright and material on this website is owned by MyCreditMonitor and is protected by the copyright laws of the South Africa. The material on this website may only be used by those who access it from the South Africa and such users will be entitled to copy any such information for their own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of MyCreditMonitor. Any website may be in breach of statutory or common law rights which could be the subject of legal action. MyCreditMonitor disclaims all liability which may result from any unauthorised reproduction or use of the information on this website.

Trade Mark

Certain names, words, titles, phrases, logos, icons, graphics, or designs to the pages of this website may constitute trade names or unregistered trademarks of MyCreditMonitor. The display of any of the above trade names or trademarks on pages of this website does not imply that any license has been granted to any third party in respect of the same. All other product or company names and devices, logos, icons, graphics or designs referred to on these pages of this website are trademarks of their respective owners MyCreditMonitor intends no infringement of such trademarks. The appearance or absence of products, services, companies, organisations, home pages or other websites on this website does not imply any endorsement or non- endorsement thereof by MyCreditMonitor. All rights not expressly granted herein reserved by MyCreditMonitor.


MyCreditMonitor shall not be liable for any direct or indirect, special, incidental, or consequential damages, including the loss of profits, business revenue or goodwill arising from the use or access of or inability to use or access interruption or availability of this website, its operation or transmission, computer viruses, loss of data or otherwise in respect of its use. Any exclusions or limitations or restrictions of liability contained in these terms and conditions of use and access of this website shall be subject to the qualification that nothing contained in any such exclusion or limitations or restrictions of liability shall operate to exclude or restrict any duty or liability of MyCreditMonitor to any person which has under the Financial Services and Markets Act.


The information, materials and functions contained in this website including text, graphics, links or other items are provided on an as is basis excluding any warranty whatsoever, express or implied, including but not limited to warranties of satisfactory quality, fitness for a particular purpose or freedom from computer viruses. MyCreditMonitor excludes any liability for any errors in or omissions from information, materials and functions included in this website or any third party Websites linked to or from this website.


This website is intended to be accessed only by persons located in the South Africa and MyCreditMonitor makes no representation that any information, materials or functions included in this website are appropriate for use in any other jurisdiction.

Personal Data & Privacy Policy - How We use Your information

As the internet is not a secure medium of communication, MyCreditMonitor cannot guarantee the security of any information You input into this website or send to us on the internet. MyCreditMonitor is not, and will not be responsible for any damages You or others may suffer as a result of the loss of confidentiality of any such information. By agreeing to these terms and conditions We may contact You about services or products offered by us or other companies in our group or approved by us, which We believe You may be interested in, or to carry out market research about our services or products or those of third parties. We may also pass information to other companies approved by us so that they may contact You about services or products, which they believe You may be interested in. Contact for these purposes may be by post, email, SMS, or by other means as We may agree with You from time to time. This will override any registrations You may have with preference services.

If You do not wish to receive on-going contact from us please send us a request via email to: help@mycreditmonitor.co.za

Website Problems

This website has been extensively tested and should work properly at all times. However, if You experience a problem at any time, please return to the homepage and try again. If the problem persists You can contact us by following the link on the Contact Us page.


The invalidity or unenforceability of any provisions of this Agreement shall not affect the validity or enforceability of any other provision of this Agreement, which shall remain in full force and effect.


Information provided in this website is believed to be reliable when posted. However, MyCreditMonitor cannot guarantee that information will be accurate, complete and current at all times. All information on this website is subject to modification from time to time without notice.

Governing Laws

The terms and conditions of use of this website shall be governed by and construed in accordance with the laws of South Africa.

Security and Web Access

Payment and personal information is always safe. Our SSL (Secure Sockets Layer software) is the industry standard and among the best software available today, for secure commerce transactions. It encrypts all of Your personal information including: Credit Card Number and Name and Address so that it cannot be read over the internet.