Code of Practice

Purpose

• This Code of Practice outlines Harborne Finance’s commitment to ethical business conduct and responsible lending in accordance with South African regulations.

Ethical Lending Principles

• Transparent terms and conditions
• Fair treatment of clients
• Responsible credit assessment
• Compliance with the National Credit Act (NCA)

Client Responsibilities

• Providing accurate financial information
• Understanding loan obligations before signing contracts

Dispute Resolution

• Harborne Finance will resolve disputes fairly and efficiently.
• Complaints can be submitted to complaints@harbornefinance.co.za

Staff Conduct

• All staff must adhere to professional conduct standards and avoid conflicts of interest.

Compliance and Review

• This Code will be reviewed regularly to ensure continued compliance with NCR standards.