Legal & Compliance

What this platform can — and deliberately can't — do

Real limits, stated plainly, not buried in fine print. If a feature isn't here, assume the cautious answer until it is.

On this page

Finance & affordability tools
Your data & documents
Estate agent compliance (PPRA / FFC)
Where property lead data comes from
What every report and number is grounded in

1. Finance & affordability tools

Assessing whether someone can afford, or qualifies for, credit (a home loan, vehicle finance, any loan) is regulated in South Africa under the National Credit Act. Since November 2016 there is no size exemption — any party extending or assessing credit in a regulated way must be registered with the National Credit Regulator (NCR). Prospectus is not a registered credit provider.

What we do

Organize your uploaded documents into what a bank/originator actually asks for
Give a rough, self-service affordability estimate — public rule-of-thumb math, your own self-reported numbers, clearly labeled as informational only

What we never do

Determine whether you qualify for anything
Produce a credit score, approval likelihood, or any assessment
Make a lending decision, or imply one

A real assessment always comes from a registered credit provider or bond originator — every tool here points you to that step, never replaces it.

2. Your data & documents

ID documents, payslips, and bank statements are genuinely sensitive personal information, regulated under POPIA (the Protection of Personal Information Act).

Uploaded documents go to a private storage bucket — never a public URL.
Download links are short-lived (48 hours) and only ever generated for the specific submission they belong to.
Nothing is auto-emailed anywhere — there is no email-sending infrastructure wired into this site. Delivery is either a secure link you or your agent generates, or a hand-run follow-up.
We never scrape or harvest contact/search data from third-party sites (property portals, social platforms, anywhere) to build contact lists. Outreach only ever uses contacts you already have a real relationship with, and is always draft-only — a human sends it, never an automated blast.

3. Estate agent compliance (PPRA / FFC)

South African property practitioners are regulated by the Property Practitioners Regulatory Authority (PPRA). A valid, current Fidelity Fund Certificate (FFC) is required to legally operate as one.

Agent Portal signup requires an FFC number and an explicit confirmation before subscribing — self-declared, since no public real-time verification API is available. The authoritative source to check any agent's status directly is the PPRA's own register:

theppra.org.za

4. Where property lead data comes from

Bank repossessions and sales in execution are legally required to be publicly disclosed — a court process, not private data. That's what makes surfacing them legitimate.

Real sources used: SA Sheriff, SheriffHQ, and the official South African Board for Sheriffs. Every listing links back to where it was actually found.

We do not scrape Property24, Private Property, or any other portal's listings database. Their listings are their own product — searching a court-mandated public notice is a different thing entirely from systematically extracting a competitor's proprietary catalogue, and we only ever do the former.

5. What every report and number is grounded in

No fabricated data, ever — not a placeholder statistic, not a plausible-sounding estimate presented as real. If a number appears in a report, it traces to something real: an uploaded file, a live check, a cited public source, or a number you typed in yourself. Where a figure is a judgment call or a rough estimate (sentiment on a media mention, an affordability calculation), that's stated plainly, not disguised as precision.