1. Introduction
These Terms & Conditions (“T&C”) apply to any financing application submitted via the online finance platform offered by Sable Energy (“we”, “us”, “our”) through the white-label interface. By submitting a financing application, you (“Applicant”) agree to these T&C and confirm you are legally capable of entering into them.

2. Definitions

• Applicant: Individual or business submitting a finance application.

• Financing Provider: The third-party provider that approves and manages the finance.

• Product(s): Solar system, installation, and related services offered by Sable Energy.

• Finance Agreement: Legally binding contract between Applicant and Financing Provider.

• Site: Website and embedded white-label interface.

3. Role of Sable Energy

• Sable Energy is a facilitator and does not provide credit.

• We are not responsible for the Financing Provider’s approval or performance.

• Approval is subject to credit assessment and terms of the Financing Provider.

4. Application & Approval

• Submission does not guarantee approval.

• Applicants must provide complete and accurate information.

• Financing Provider conducts checks (credit bureau, affordability, identity).

• Installation and delivery of Product(s) only occur once finance is approved and disbursed.

5. Payment & Order Processing

• Sable Energy will only commence processing, procurement, or installation once full payment or approved financed amount has been received.

• Any additional work, upgrades, or unforeseen costs beyond the approved finance amount must be paid in full before we commence that work.

• Sable Energy is not liable for partial installations, delays, or incomplete work caused by insufficient payment.

6. Disclosure & Compliance

• Finance quotations will include all costs, interest, number of instalments, total cost of credit, and are provided in compliance with the National Credit Act (NCA).

• Applicants are entitled to receive agreements in clear, understandable language.

• The process complies with the Consumer Protection Act (CPA) and South African laws.

7. Applicant Obligations

• Make all payments in accordance with the Finance Agreement.

• Use Product(s) lawfully and maintain them according to Sable Energy contracts.

• Notify Sable Energy or Financing Provider of any changes affecting repayment ability.

8. Products, Delivery & Warranty

• Sable Energy provides Product(s) per scope and installation contract.

• Warranty is applicable only after finance approval and delivery.

• Sable Energy is not responsible for Financing Provider actions, delays, or rejected applications.

9. Marketing & Advertising

• Promotional material is indicative; Sable Energy does not guarantee approval, lowest rates, or outcomes.

10. Limitation of Liability

• Sable Energy’s liability is limited to facilitating the connection between Applicant and Financing Provider.

• We are not liable for losses, costs, or damages resulting from the Finance Agreement or credit provider’s decisions.

11. Privacy & Data

• Personal and financial information is shared with the Financing Provider and credit bureaus as required.

• Sable Energy processes data according to POPIA, ensuring security and lawful use.

12. Cancellation & Termination

• Applicants may cancel the application before signing the Finance Agreement.

• Once concluded, cancellation or early settlement follows Financing Provider terms.

• Offers may lapse if Finance Agreement is not accepted in the specified time.

13. Governing Law & Jurisdiction

• South African law governs T&C and Finance Agreement.

• Parties submit to the non-exclusive jurisdiction of South African courts.

14. Acceptance of Terms

• Submitting a finance application constitutes acceptance of these Terms & Conditions.