(In terms of Section 63 of the National Credit Act, 34 of 2005)
1. Consumer Language Rights
In terms of Section 63 of the National Credit Act (NCA), every consumer has the right to receive any document that is required to be delivered in terms of the Act in an official South African language, where practicable.
As a registered credit provider, Saltera (Pty) Ltd t/a Vargo (Registration No. 2025/921931/07, NCRCP24251) is committed to promoting accessibility, clarity, and transparency in all financial communications and services.
2. Supported Official Languages
As a short-term credit provider (microlender), VARGO provides documentation and communications in the following official South African languages:
- English (Default operating language)
- Afrikaans
3. Scope of Covered Documents & Services
Where applicable and upon request, the following key functions and documents are available in English and Afrikaans:
- Pre-Agreement Statement and Quotation (Section 92 of the NCA)
- Credit Agreement and Terms & Conditions
- Enforcement Notices (Section 129 and Section 86(10) notices under the NCA)
- Marketing and Advertising Material
- Customer Support & Call Centre Communications
- General Electronic Communications (SMS, Email, and System Notifications)
4. How to Request Documents in Your Preferred Language
If you would like to receive your documents or support in Afrikaans, or if you require verbal explanation of your credit agreement in your preferred language, please contact us through any of the following channels:
- Support Telephone: +27 71 301 1094
- Email: support@vargo.co.za / info@saltera.co.za