Registration Required to Access Platform Services
You may freely review this policy — it is publicly available. However, to use any platform service — purchase order funding, document submission, or disbursement tracking — you must complete the Supplier Onboarding process and pass FICA compliance verification.
New Smartfin (Pty) Ltd operates strictly as a B2B alternative finance platform utility (NCRCP20242). The platform does not charge ongoing consumer micro-subscriptions or recurring transaction verification fees. All platform charges are assessed on a per-case basis as flat commercial vetting fees to cover the technical assessment and preparation of corporate dossiers. All vetting fees are earned upon initiation of data verification loops and are entirely non-refundable.
These Terms of Use ("Terms") constitute a legally binding agreement between you ("User", "you", "your") and New Smartfin (Pty) Ltd (NCRCP20242) ("Company", "we", "our", "us") governing your access to and use of the New Smartfin platform, website, and related data audit services (collectively, the "Platform").
⚠️ BY ACCESSING OR USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND OUR PRIVACY POLICY. IF YOU DO NOT AGREE, DO NOT USE THIS PLATFORM.
While our governance and compliance policies are publicly available for review without an account, access to B2B profile preparation services requires a registered, verified corporate account. Unregistered visitors may browse public policy documentation but cannot initiate vetting files or submit purchase orders for verification workflows.
To register: Visit newsmartfin.com or begin the Supplier Onboarding process directly. All corporate accounts must complete FICA and CSD validation checks before any vetting ticket can be created.
To register and utilize our data compilation tools, your enterprise must provide accurate information across the following categories, in full alignment with statutory compliance mandates:
Identity & Representative Personal Details
Full names, South African identity numbers, and contact details for representative FICA auditing
Business & CIPC Corporate Alignment
Active CIPC company registration number, legal corporate name, principal business address, and director logs
Financial Tracking & Banking Rails
Valid commercial bank account details and bank confirmation records for transactional settlement validation
FICA Compliance Document Dossier
Digital upload of physical company docs, SARS Tax Compliance Status (TCS) PIN, and Central Supplier Database (CSD) profiles
Official Point of Contact Channels
Corporate email, secure phone numbers, and operational WhatsApp hooks for system dispatch logs
Security & Device Observability Logs
Immutable capturing of IP addresses, session data, and device types to populate system fraud audit trails
To submit commercial purchase orders for preparation and vetting, your enterprise must meet these criteria:
- Hold valid, binding operational competence under South African corporate law
- Be an active, registered South African corporate entity (Pty Ltd, Partnership, or legally documented Sole Proprietor)
- Maintain an active, fully compliant profile on the National Treasury's Central Supplier Database (CSD)
- Provide fully transparent and current data sets during the 7-Gate verification process
- Maintain a valid, active commercial bank account with an authorised South African banking institution
- Possess a verifiable, authentic government or institutional Purchase Order (PO) document
New Smartfin reserves the right to terminate or pause platform service delivery for any profile failing to clear automated CIPC, SARS, or PEP sanctions queries.
By using the Platform to package business portfolios for our funding partners, you agree to comply with:
- National Credit Act (NCA): Ensuring all fee generation and pre-agreement parameters follow NCR schedules (NCRCP20242)
- Financial Intelligence Centre Act (FICA): Completing all mandatory KYB identity verification routines to eliminate third-party fraud risk
- Protection of Personal Information Act (POPIA): Enforcing strict row-level encryption thresholds for all private business documentation
- Consumer Protection Act (CPA): Applying fair, transparent transactional disclosures to all enterprise dashboard metrics
- Companies Act & Income Tax Act: Maintaining clean corporate standings and active SARS tax compliance parameters
- Public Finance Management Act (PFMA): Execution of perfected cessions completely aligned with National Treasury Circulars