Terms and Conditions

OnTime -Terms and Conditions

Last updated: March 2026

These Terms and Conditions (“Terms”) govern the use of the OnTime platform (“Platform”, “Service”) operated by OnTime (Pty) Ltd (“OnTime”, “we”, “us”, “our”).

By accessing or using the Platform, you agree to be bound by these Terms.

1. Definitions

Client: Any body corporate, HOA, managing agent, or authorised representative using the Platform.
User: Any individual authorised by a Client to access the Platform.
Debtor: A member, owner, or tenant whose information is submitted via the Platform.
Credit Bureau: A registered credit reporting agency used by OnTime.
POPIA: Protection of Personal Information Act, 4 of 2013.

2. Nature of the Service

2.1 OnTime provides a digital administrative platform that enables Clients to:

Collect and store documentation
Manage arrears-related processes
Submit verified information to third parties, including credit bureaus

2.2 OnTime does not provide legal advice, debt collection services, or credit decisions.

2.3 All submissions made through the Platform are done on instruction and authority of the Client.

3. Client Responsibilities

The Client warrants that:

3.1 They have lawful authority to submit information relating to Debtors.

3.2 All information uploaded is:

Accurate
Complete
Supported by valid documentation

3.3 Required notices, resolutions, and demand letters have been properly issued before any submission.

3.4 The Client complies with:

POPIA
Credit reporting laws
Applicable sectional title, HOA, and municipal regulations

OnTime relies entirely on the information provided and does not independently verify legal compliance.

4. Data Protection and POPIA

4.1 OnTime processes personal information strictly in accordance with POPIA.

4.2 Information is processed solely for:

Service delivery
Compliance reporting
Credit bureau submission (where applicable)

4.3 OnTime implements reasonable technical and organisational safeguards but cannot guarantee absolute security.

4.4 The Client indemnifies OnTime against claims arising from unlawful or unauthorised data submission.

5. Credit Bureau Submissions

5.1 OnTime acts as a technical intermediary only.

5.2 All credit listings:

Are submitted on Client instruction
Remain the responsibility of the Client

5.3 OnTime is not liable for:

Listing outcomes
Credit scoring impact
Disputes raised by Debtors

5.4 Any removal, correction, or dispute handling must be authorised by the Client.

6. Limitation of Liability

6.1 OnTime is not liable for:

Indirect or consequential losses
Loss of revenue
Legal costs incurred by the Client or Debtor

6.2 OnTime’s total liability is limited to fees paid by the Client in the preceding 3 months.

7. Indemnity

The Client indemnifies and holds OnTime harmless against:

Claims
Fines
Legal actions
Regulatory penalties

arising from:

Incorrect data
Lack of authority
Non-compliance with law

8. Suspension or Termination

8.1 OnTime may suspend access if:

Misuse is detected
Legal risk arises
Fees remain unpaid

8.2 Either party may terminate with 30 days’ written notice.

8.3 Termination does not affect accrued rights or obligations.

9. Fees and Payment

9.1 Fees are charged as agreed in writing or per published pricing.

9.2 All fees are exclusive of VAT unless stated otherwise.

9.3 Late payments may result in service suspension.

10. Intellectual Property

10.1 All Platform content, software, and branding remain the property of OnTime.

10.2 Clients receive a non-transferable, limited-use licence for the duration of the service.

11. Governing Law

These Terms are governed by the laws of the Republic of South Africa.

Any disputes shall be subject to the jurisdiction of South African courts.

12. Amendments

OnTime may update these Terms from time to time.

Continued use of the Platform constitutes acceptance of the updated Terms.