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Verify Now - Identity Verification Platform

Legal Agreement

Terms of Service

Terms and conditions governing your use of Verify Now services

Last updated: December 26th, 2025

South African Law

Governed by SA legislation

POPIA Compliant

Data protection assured

NCA Compliant

Credit regulations

Secure Platform

Enterprise security

Overview

This website is operated by Verify Now. Throughout the site, the terms "we", "us" and "our" refer to Verify Now. Verify Now offers this website, including all information, tools, and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies, and notices stated here.

Urban Luxury Brands (Pty) Ltd (Reg. 2007/013732/07) is the parent company trading as Verify Now.

By visiting our site and/or purchasing something from us, you engage in our "Service" and agree to be bound by the following terms and conditions ("Terms of Service," "Terms"), including those additional terms and conditions and policies referenced herein and/or available by hyperlink.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services.

1. Online Terms

  • By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence
  • You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the service, violate any laws in your jurisdiction
  • You must not transmit any worms or viruses or any code of a destructive nature
  • A breach or violation of any of the Terms will result in an immediate termination of your services

2. General Conditions

  • We reserve the right to refuse service to anyone for any reason at any time
  • Your content (not including credit card information) may be transferred unencrypted over various networks. Credit card information is always encrypted during transfer
  • You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the service without express written permission
  • The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms

3. Accuracy, Completeness and Timeliness of Information

We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.

This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site.

4. Modifications to the Service and Prices

  • Prices for our products are subject to change without notice
  • We reserve the right at any time to modify or discontinue the service (or any part or content thereof) without notice at any time
  • We shall not be liable to you or to any third-party for any modification, price change, suspension, or discontinuance of the service

5. Products or Services

Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to return or exchange.

We reserve the right, but are not obligated, to limit the sales of our products or services to any person, geographic region, or jurisdiction. We may exercise this right on a case-by-case basis.

We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the service will be corrected.

6. Accuracy of Billing and Account Information

We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household, or per order. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made.

You agree to provide current, complete and accurate purchase and account information for all purchases made on our website. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

6A. Refunds and Cancellations

Credit-Based Services

Verification credits are non-refundable once purchased. Unused credits remain available for use until account termination. Credits do not expire while your account remains active.

Subscription Plans

Monthly subscriptions may be cancelled at any time, effective at the end of the current billing period. No refunds are provided for partial months. Annual plans may be cancelled with a pro-rata refund for unused months, less any discounts received.

Service Issues

If you experience technical issues that prevent you from using the service, please contact support. We may provide credit or refunds at our discretion for verified service outages or defects.

7-9. Third-Party Tools and Links

We may provide you with access to third-party tools over which we neither monitor nor have any control nor input. You acknowledge and agree that we provide access to such tools "as is" and "as available" without any warranties, representations, or conditions of any kind and without any endorsement.

Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy, and we do not warrant and will not have any liability or responsibility for any third-party materials or websites.

User comments and submissions grant us the right to edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation to maintain any comments in confidence or to pay compensation for any comments.

10. Personal Information

Your submission of personal information through this website is governed by our Privacy Policy. To view our Privacy Policy, please see Privacy Policy.

11-12. Errors and Prohibited Uses

Occasionally, there may be information on our site that contains typographical errors, inaccuracies, or omissions. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice.

You are prohibited from using the site or its content for:

  • Any unlawful purpose or to solicit unlawful acts
  • Violating any laws, regulations, or ordinances
  • Infringing intellectual property rights
  • Harassment, abuse, or discrimination
  • Submitting false or misleading information
  • Uploading viruses or malicious code
  • Collecting personal information of others
  • Spam, phishing, or scraping activities
  • Interfering with security features

13. Disclaimer of Warranties; Limitation of Liability

We do not guarantee, represent, or warrant that your use of our service will be uninterrupted, timely, secure, or error-free. The service and all products and services delivered to you through the service are provided 'as is' and 'as available' for your use, without any representation, warranties, or conditions of any kind.

In no case shall Verify Now, our directors, officers, employees, affiliates, agents, contractors, or service providers be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind.

13A. Service Availability and Support

Service Availability

We strive to maintain high availability for our verification services. Planned maintenance will be communicated in advance where possible. Service status updates are available through our dashboard.

Support Channels

Support is available via email during business hours (South African time). Enterprise customers may have access to priority support and dedicated account management as specified in their service agreement.

Incident Notification

In the event of a security incident affecting your data, we will notify you within 48 hours of confirmation, in accordance with our Data Processing Agreement and applicable law.

14-17. Indemnification, Severability, Termination & Entire Agreement

Indemnification

You agree to indemnify, defend, and hold harmless Verify Now and our parent, subsidiaries, affiliates, partners, officers, directors, and employees from any claim or demand arising out of your breach of these Terms.

Severability

If any provision of these Terms is determined to be unlawful, void, or unenforceable, such determination shall not affect the validity of any other remaining provisions.

Termination

We may terminate these Terms of Service at any time. You may terminate by ceasing to use our services. Obligations incurred prior to termination survive.

Entire Agreement

These Terms constitute the entire agreement between you and us and govern your use of the Service, superseding any prior agreements.

18. Governing Law

These Terms of Service and any separate agreements whereby we provide you services shall be governed by and construed in accordance with the laws of South Africa where we are registered.

Consent Management and Data Processing

Our Service provides integrated consent management tools to ensure NCR Regulation 18(5) compliance. Consent may only be collected and processed for prescribed purposes including:

Affordability Assessment
Credit Assessment
Credit Information Query
Fraud Detection/Prevention
Insurance Application
Tracing By Credit Provider
Debt Counseling
Model Development

All consent documents are stored securely for 7 years as required by POPIA, with SHA256 hash verification to ensure document integrity.

POPIA Compliance

Our Service complies with Protection of Personal Information Act (POPIA) requirements:

  • Lawful Processing: Personal information is processed only with proper consent for legitimate purposes
  • Data Minimization: We collect only the minimum personal information necessary
  • Storage Limitation: Personal information retained for 7 years as required by law
  • Security Safeguards: Industry-standard encryption and access controls
  • Data Subject Rights: Consumers can access, correct, or request deletion of their data
  • Cross-Border Transfers: Appropriate safeguards for international data transfers

User Accounts

  • You must provide accurate, complete, and current information when creating an account
  • You are responsible for safeguarding your password and all activities under your account
  • You must notify us immediately of any security breach or unauthorized account use
  • You may not use as a username the name of another person or entity without authorization
  • User accounts expire after six months of non-usage and will be disabled

Contact Information

Questions about the Terms of Service should be sent to us:

Company: Urban Luxury Brands (Pty) Ltd (Reg. 2007/013732/07)

Trading as: Verify Now

Email: hello@verifynow.co.za

Website: verifynow.co.za

Terms Updates

We reserve the right to update, change, or replace any part of these Terms of Service by posting updates to our website. Your continued use of the Service following any changes constitutes acceptance of those changes.

Version: 2.0
Last Updated: December 26th, 2025