Terms of use and disclaimer

Last updated 30 October 2026.

General information, not financial or legal advice

KayaClear gives general information and estimates based on the National Credit Act 34 of 2005, the National Credit Regulations, the Prescription Act 68 of 1969 and the figures you enter. It is not financial advice as defined in the Financial Advisory and Intermediary Services Act (FAIS), and not legal advice. KayaClear is not a credit provider, not a registered debt counsellor and not an authorised financial services provider, and does not recommend any lender, credit product, debt counsellor or debt solution. It is not connected to the National Credit Regulator (NCR) or the National Consumer Tribunal. Your credit agreement, statements and certificate of balance show the actual amounts. For complaints about credit, contact the NCR; for help with over-indebtedness, a debt counsellor registered with the NCR.

Using the site does not create an advisory, debt counselling or attorney-client relationship. KayaClear does not arrange credit, negotiate with credit providers or act for you in any dispute.

Accuracy

We take our rules from the National Credit Act, the National Credit Regulations, the Prescription Act and the National Credit Regulator, and test our calculations, but the repo rate and regulations change, and some questions of law are not settled. Results are estimates based on what you enter and may differ from your statements.

Liability

To the extent permitted by law, we are not liable for any loss arising from use of, or reliance on, this site or its results. Check your agreement and statements, and get advice from a registered professional before acting on a result.

Advertising and links

The site displays labelled advertising. Adverts are served by Google and are not chosen or endorsed by us. We do not use affiliate or referral links. Links to official sources are provided for convenience.

Changes

We may update these terms. The date above shows the latest version.