Terms & Conditions

Terms governing use of the Debt Fresh website and online services.

Last updated: 24 August 2026

These terms apply to the use of the Debt Fresh website and online enquiry, credit-report and assessment services.

Information on this website

Website information is provided for general guidance. An online indication, calculator, case study or affordability figure is not a guarantee of a particular debt-review outcome.

Free initial services

Debt Fresh does not charge for the initial credit-report request or initial debt assessment presented as free on this website. Any regulated debt-counselling fees or other charges applicable after a client proceeds will be explained separately.

Debt review

Debt review is a regulated process. Eligibility, repayment proposals, interest concessions, legal status and outcomes depend on each consumer’s circumstances and the applicable process.

Credit reports

A credit report is requested only where the required information and consent have been provided. You are responsible for providing accurate information.

Website availability

We aim to keep the website available and accurate but cannot guarantee uninterrupted access. If an online form fails, you can contact Debt Fresh directly.

Intellectual property

Debt Fresh branding, website text, design and original materials may not be copied or commercially reused without permission, except where allowed by law.

Contact

Questions may be sent to assessments@debtfresh.co.za.