Website Disclaimer – Mali Pty Ltd

Registered Credit Provider – NCRCP18719
Last Updated: December 2025

The information provided on this website is intended for general informational purposes only. While Mali Pty Ltd (“Mali”, “we”, “us”) strives to ensure that all content is accurate and up to date, we make no representations or warranties of any kind, express or implied, regarding the completeness, accuracy, reliability, suitability or availability of the information, products or services contained on this website.

1. No Financial or Legal Advice

The content on this website does not constitute financial, legal or professional advice. All loan applications are subject to Mali’s affordability assessments, risk checks, MyChama savings verification (where applicable), document validation and the outcome of our responsible lending criteria in accordance with the National Credit Act.

Nothing on this site should be interpreted as a guarantee of approval.

2. Product Information

All product descriptions, pricing and features displayed on the website are provided for information only and may change without prior notice. The final terms and conditions applicable to any loan or service will be contained in the formal agreement provided to you upon approval.

Developmental credit products require supplier invoices, quotes, school fee statements, compliance documentation or other relevant supporting documents. Mali finances approved suppliers or institutions directly and does not disburse cash for developmental loans.

3. MyChama Savings Disclaimer

MyChama is an independent stokvel savings platform.
Mali does not hold, manage or control any savings.
Mali only verifies savings history as part of eligibility criteria and cannot be held liable for any actions, delays or decisions made by MyChama or its administrators.

4. Insurance Disclaimer

Credit Life Insurance and the Beneficiary Plan offered through Mali are underwritten by authorised insurers.
Mali is not the insurer and does not determine benefit limits, exclusions, waiting periods or claims outcomes.
All claims are assessed and paid solely by the respective insurer according to their policy terms.

5. External Links

This website may contain links to third-party websites such as MyChama or insurer portals. These links are provided for convenience only. Mali has no control over the nature, accuracy or availability of those sites and is not responsible for any loss or damage arising from their use.

6. No Liability

To the maximum extent permitted by law, Mali is not liable for any loss, damage, cost or expense arising directly or indirectly from:

Reliance on website content
Errors or omissions
Unavailability of the website
Actions taken based on website information
Use of third-party websites or platforms
Delays caused by suppliers, insurers or service providers

Your use of this website is entirely at your own risk.

7. Regulatory Compliance

Mali Pty Ltd is a registered credit provider under the National Credit Regulator (NCRCP18719) and complies with the National Credit Act, POPIA and PAIA requirements. All credit decisions follow responsible lending practices.

8. Changes to This Disclaimer

Mali reserves the right to modify, update or replace this disclaimer at any time. The most current version will always be available on our website.

9. Contact Information

For questions regarding this disclaimer or our services, please contact:

Information Officer: Fidel Okillah
Email: fidel@malilife.co.za
Website: www.malilife.co.za