Upload a bank statement. Get an Approve, Review or Decline verdict, with the evidence behind it, in under 60 seconds.
No card needed for your first screening. Confirm your email and screen one real applicant.
Pieter van Rensburg
Why flagged
Affordability. Rent of R9 800 against R26 500 net income is 37%, above the 35% borderline.
Gambling. Two Betway transactions totalling R1 850 in the same month.
SA's only AI screening tool built specifically for property managers managing 50-500+ units.
Upload → Extract → Analyse → Report. No waiting. No back-and-forth.
Real-time pipeline with AI risk scores and income ratios
About 1 in 6 tenants doesn’t pay in full in a given month. PropCheck checks them before they move in.
Source: TPN Residential Rental Monitor, Q3 2025 (83.95% of tenants in good standing)
For scale: TPN’s average rental civil judgment was R39,421 in Q3 2025 (TPN Residential Rental Monitor).
Built around POPIA: you confirm the applicant’s consent on every screening, each one is logged, and data is deleted on request. Rent-to-income checks use common SA benchmarks (30 / 35 / 40%), and every ID number you enter gets a format check.
The path a tenant's statement takes, start to finish.
The PDF is parsed on your own device. The file itself is never uploaded to, or stored on, a PropCheck server.
The extracted text is sent to Anthropic's Claude API to write the risk analysis. It only runs for a signed-in, active account.
The risk rating, flags and recommendation are stored against your company. Row Level Security in the database keeps every company's data separate.
I'm Nkhuluko, the self-taught developer who built PropCheck in South Africa. There's no SOC 2 or third-party audit yet; the security page says plainly what is and isn't in place.
No contracts. Cancel anytime. Managing 50+ units? Talk to us about bulk pricing →
Plain answers. No fine print to hunt for.
Version 2026-10-21 · Last updated: 21 October 2026
These Terms are the agreement between you and PropCheck when you create an account, screen an applicant or pay for anything on propcheckai.co.za. We have written them in plain language on purpose. If something is unclear, ask us before you pay.
In these Terms, “PropCheck”, “we” and “us” mean the seller named above. “You” means the person or company that opens an account.
PropCheck reads the text of a bank statement that you or the applicant upload, and uses an AI model to produce a risk report: income and spending figures, flagged items with the evidence behind them, and a recommendation of APPROVE, REVIEW or DECLINE.
A new account gets one free screening after the email address is confirmed. No card is needed. It is limited to one per company, and we may refuse or limit free screenings if we see abuse.
Our is part of these Terms. In short: you have 7 days to cancel without giving a reason, we always refund payments taken in error or services we could not deliver, and nothing in these Terms limits any right you have under the Consumer Protection Act or the Electronic Communications and Transactions Act.
Our explains what we collect and why. For the applicant information you submit, you (or your company) are the “responsible party” under POPIA and PropCheck is your “operator”. These terms act as our written operator contract with you:
AI can make mistakes. PropCheck takes steps to keep its analysis grounded in the figures on the statement and shows the evidence behind each flag, but we do not promise that any report is complete or correct. Always look at the evidence and apply your own judgement before approving or declining an applicant.
We work to keep PropCheck available, but we cannot promise it will always be uninterrupted or error-free. Support is by WhatsApp and email during normal business hours in South Africa.
This section limits what we can be held responsible for. To the fullest extent the law allows:
Nothing in these Terms excludes or limits anything that cannot lawfully be excluded or limited, including liability for gross negligence, fraud or intentional wrongdoing, and your rights under the Consumer Protection Act and the Electronic Communications and Transactions Act. If a part of these Terms is not allowed by law, that part does not apply and the rest still does.
If we make a material change we will tell you by email or inside PropCheck at least 14 days before it takes effect, unless the law or security requires a faster change. If you do not agree you can close your account before the change starts and ask for a refund of unused value. Each version is dated at the top of this page.
If something goes wrong, contact us first using the details above. We will respond within 5 business days. You can also complain to the National Consumer Commission about consumer-protection matters, or to the Information Regulator about how personal information is handled (details in the Privacy Policy).
These Terms are governed by the law of the Republic of South Africa, and the courts of South Africa have jurisdiction, subject to any right you have by law to use a different court or forum.
Questions about these Terms: propcheck.za@gmail.com or WhatsApp 050 055 4906.
Version 2026-10-21 · Last updated: 21 October 2026
This Policy explains how PropCheck handles personal information, in line with the Protection of Personal Information Act 4 of 2013 (POPIA). It covers two groups of people: the agencies and landlords who use PropCheck, and the applicants whose bank statements they screen.
About an applicant (entered or uploaded for a screening):
About you, our customer:
Supplying applicant information is voluntary for the applicant, but without it the agency cannot run the screening.
We use these providers to run PropCheck. Some are outside South Africa.
Transfers outside South Africa. The applicant’s consent is recorded before a screening runs, and that consent covers the processing described here, including the transfer of the statement text to Anthropic in the United States for analysis. We use providers whose terms commit them to protecting personal information. We do not sell personal information.
An AI model reads the statement text and produces a risk report with a recommendation (APPROVE, REVIEW or DECLINE). It looks at income, regular and unusual spending, debt payments, gambling-type transactions, and similar patterns, and shows the exact figure or transaction behind every flag.
The recommendation is guidance only. A person at the agency or landlord makes the decision. If you are an applicant and you disagree with a decision or a flag, you can ask the agency to review it and to explain the reasoning. You can give your side and ask for the decision to be reconsidered by a person. We help the agency with that if they ask.
If you add a payslip, it is read in your browser like the bank statement and the file is never uploaded or stored. The extracted text is sent to our AI provider to read a handful of figures, and only those figures are kept with the screening. Review notes and the history of events on a screening are stored for your company only, and cannot be edited or removed after they are written. A shared-report link shows the report without the applicant’s ID number, expires on its own (1 to 30 days) and can be withdrawn by you at any time; we store only a one-way hash of the link, not the link itself.
PropCheck stores a few essential items in your browser so it can work (your sign-in, your theme, and your cookie choice). Analytics run only if you accept them. Everything is listed in our , and you can change your choice any time using “Cookie settings” at the bottom of the site.
Each company’s data is isolated by database-level access rules. All traffic uses HTTPS, passwords are handled by our authentication provider rather than by PropCheck, and data is stored on encrypted infrastructure. Details are on our Security & Trust page. If we have reasonable grounds to believe personal information has been accessed or acquired by an unauthorised person, we will tell the affected agency straight away, and, where PropCheck is the responsible party, we will notify the Information Regulator and the people affected as soon as reasonably possible.
We only send marketing by email or message to people who have agreed, or to our own customers about similar services. Every marketing message says who it is from and how to stop it. You can say “stop” at any time and we will stop.
Under POPIA you can ask us to confirm what personal information we hold about you, to see it, and to correct or delete it. You can object to our processing of it. For applicant information, please ask the agency or landlord who screened you first, because they are the responsible party. We will help them respond. To exercise a right with us, email propcheck.za@gmail.com. We will reply within 30 days.
You have the right to complain to the Information Regulator if you think your information has been mishandled: inforegulator.org.za · enquiries@inforegulator.org.za · 010 023 5200 · Woodmead North Office Park, 54 Maxwell Dr, Woodmead, Johannesburg, 2191.
PropCheck is for businesses and adults. We do not knowingly collect information about children.
If we change this Policy in a way that matters, we will update the date and version at the top and tell account holders by email or inside PropCheck.
Privacy questions: propcheck.za@gmail.com or WhatsApp 050 055 4906.
Version 2026-10-21 · Last updated: 21 October 2026
The short version
If you buy online as an individual, the Electronic Communications and Transactions Act (section 44) gives you the right to cancel a purchase of services within 7 days of the agreement, without giving a reason and without a penalty. A refund must be paid within 30 days of cancellation. We give this same 7 days to everyone, including companies.
The law makes one exception that matters here: the cooling-off right does not apply to services that began with your consent before the 7 days ended (section 42(2)(d)). PropCheck starts as soon as your payment clears, so a screening you have already run counts as a service that has begun. This is how that works for each product:
A failed analysis is not a refund situation. If a screening fails (for example the statement cannot be read), the credit you spent is restored to your account automatically.
We do not store your card and we do not renew anything automatically. A plan simply ends when its period ends, so there is nothing to cancel. You can close your account at any time.
Nothing on this page limits your rights under the Consumer Protection Act, the Electronic Communications and Transactions Act, or any other law. If you are unhappy with how we handled a refund you can complain to the National Consumer Commission. You can also contact us first so we can fix it.
Version 2026-10-21 · Last updated: 21 October 2026
This page explains the cookies and similar browser storage PropCheck uses, what each one is for, and how you stay in control. PropCheck does not use advertising cookies, and it does not sell or share this data with advertisers.
The first time you visit, a notice asks you to choose Accept analytics or Essential only. Until you accept, no analytics run at all. You can change your mind at any time using here or at the bottom of any page. Choosing “Essential only” after accepting turns analytics off and removes the analytics cookies from your browser.
These are saved in your browser’s local storage or cookies so the site can work. They are not used to track you.
| Name | What it does | How long |
|---|---|---|
Sign-in session (starts with sb-) | Keeps you signed in to your account between visits, so you do not have to log in every time. | Until you sign out, or the session expires |
pc_cookie_consent | Remembers your cookie choice, so we do not keep asking. | Until you clear your browser data |
pc_theme, pc_settings, pc_onb_done | Remember light or dark mode, your display settings, and whether you have finished the short set-up questions. | Until you clear your browser data |
pc_referral_code | If you arrived through a referral link, remembers the code so the referrer can be credited when you sign up. | Until you clear your browser data |
These help us see which pages are used and where the site is confusing, so we can fix it. They are switched on only after you choose Accept analytics.
| Provider | Cookies | What it does | How long |
|---|---|---|---|
| Google Analytics (Google, United States) | _ga, _ga_8BBYX5P8FJ | Counts visits and which pages are used, in aggregate. | About 13 months (400 days) |
| Microsoft Clarity (Microsoft, United States) | _clck, _clsk (plus cookies set by clarity.ms) | Shows where visitors click and scroll on the public website, so we can find and fix confusing parts. | _clck up to 1 year, _clsk 1 day |
What analytics never see. Inside your signed-in PropCheck account every screen is masked from Clarity, so applicant names, ID numbers and bank statement content are never recorded. Neither tool runs on an applicant’s upload link or on a password-reset or email-confirmation link.
You can also block or delete cookies and local storage in your browser settings. If you block the essential items above, you will not be able to stay signed in.
Questions about cookies or privacy: propcheck.za@gmail.com. Our explains how we handle personal information more generally.
What’s actually protecting your data, not a marketing checklist
We know property managers are being asked to upload something sensitive: a tenant’s bank statement. Here’s exactly what happens to it, and what’s protecting your account, in plain language.
Every company's screenings and properties are protected by database-level Row Level Security (RLS): not just an app-layer check, but a rule enforced by the database itself on every single query. One company's account cannot read another company's data, even if it tried to query the database directly.
The PDF itself is parsed locally in your browser. It is never uploaded to or stored on any PropCheck server. Only the extracted text is sent to Anthropic's Claude API to generate the risk analysis, and only the resulting report is stored, not the source document.
Every AI-powered action (screening analysis, lease drafting) checks a signed-in session and an active account status before running. It isn’t a public endpoint anyone can call. Only the pre-sales chat assistant on this site is intentionally open to visitors, and it has no access to any tenant’s data, your account, or the database.
PropCheck acts as an operator for the agencies that use it (see section 9 of the Terms of Service for the written operator terms). These are the providers we pass data to, and what each one receives. We will update this list, with a new date, before adding a provider that handles applicant data.
| Provider | What it does | Applicant data it receives | Location |
|---|---|---|---|
| Anthropic | AI analysis of the statement | Extracted statement text, and payslip text if added. No name beyond what the text contains. | United States |
| Supabase | Database and sign-in | Stored report, applicant name, ID number if entered, consent record | Region to be published here |
| Netlify | Website and functions | Passes requests through; does not keep the statement text | Region to be published here |
| Yoco | Card payments | None. Receives the payer’s own payment details, not applicant data. | South Africa |
| Google Analytics, Microsoft Clarity | Website analytics, only if accepted | None | United States |
If personal information we hold is compromised, we will tell the affected agency without undue delay so it can meet its duty to notify the Information Regulator and the people involved (POPIA section 22). Security reports go to the address below.
PropCheck is a small, actively-developed product, not a large enterprise vendor. There’s no formal third-party security audit or certification (like SOC 2) yet. What’s on this page is real and currently deployed, not aspirational. If that changes, this page will say so.
Found something that looks wrong, or have a security question? Email propcheck.za@gmail.com.
A running, honest log of what's actually shipped: no fluff, updated whenever something real goes live
The same rent-affordability rule PropCheck's AI applies to every screening, and the real cost of each pricing plan: live math, not a demo.
PropCheck's AI screening scores every tenant against the 30% / 35% / 40% rent-to-income rule: rent under 30% of income is ideal, up to 40% is borderline, and above 40% is high risk. Try it with your own numbers.
See exactly what each PropCheck plan costs you at your real screening volume, side by side. Updates as you type.
No contracts. Cancel anytime. Managing 50+ units? Talk to us about bulk pricing →
|
Pay Per Use
R149/screening
|
Growth
R1,250/mo annual
|
Unlimited
R2,917/mo annual
|
|
|---|---|---|---|
| Monthly fee | None | R1,500 | R3,500 |
| Paid annually (2 months free) | — | R15,000/yr | R35,000/yr |
| Screenings included | Pay per screening | 20 / month | Unlimited |
| Cost per screening | R149 | Included (first 20) | Included |
| Cost after included screenings | R149 each | R99 each | None (unlimited) |
| AI risk report, verdict & PDF export | |||
| AI checks panel (ID checksum, red flags, risk class) | |||
| Share reports via WhatsApp | |||
| Portfolio manager (saved units) | |||
| Priority WhatsApp support (same-day) | |||
| SA ID checksum (Luhn validation) | |||
| Built for POPIA data handling |
One tool, real features. No fake integrations, no "coming soon" badges dressed up as done. Everything below is live in the product today.
Upload an applicant’s bank statement PDF. It’s parsed entirely in your browser, and the file itself is never uploaded anywhere. Only the extracted text is sent to Claude (Anthropic’s AI) for analysis, which returns a full income and expense breakdown plus an APPROVE / REVIEW / DECLINE verdict, typically in under 60 seconds.
Requested rent is measured against net monthly income using the same rent-to-income thresholds shown on every report: 30% ideal, 35% borderline, 40%+ high risk.
Every ID number you enter is checked against the standard checksum SA ID numbers use, instantly flagging malformed or invalid numbers. It is a format check, not a Home Affairs verification.
Included on the Unlimited plan (R3,500/month). Not available on Pay Per Use or Growth.
Select up to 3 applicants for the same unit and compare them side by side: income, expenses, risk score and affordability, laid out in columns from the same data as their individual reports.
Your Dashboard surfaces every lease ending in the next 60 days, with a one-click "Screen for Renewal" action that pre-fills the screening form from the saved property.
A live, always-current list of what needs your attention: applicants flagged REVIEW in the last 30 days, leases renewing within 30 days, and recent declines, computed fresh every time you load the Dashboard, not a separate notification system to fall out of date.
Every screening gets a full report, ready to print or save as a PDF, plus a one-tap Share via WhatsApp button to send it straight to a colleague or landlord.
One aggregate, printable report across your whole portfolio: verdict counts, average risk score, and risk distribution across every screening you’ve run.
Draft a lease agreement straight from a screening's details: tenant, property, rent, deposit and term. Print it, save it as a PDF, or share a note via WhatsApp.
A computed Data Hygiene Score (never a fabricated number): your ID-checksum pass rate averaged with how many occupied units have a lease end date on file, alongside an audit trail of how every tenant's data was processed, including the consent record.
Press Cmd/Ctrl+K anywhere in the app to jump straight to any screening or property by name, no digging through menus.
An AI verdict is only useful if it’s actually right. Once a tenant’s been in place a while, log what really happened (paid on time, some issues, or defaulted) right from the report or a nudge in the Action Center once a screening passes 90 days with no outcome on file yet.
PropCheck is not a credit bureau and does not pull live data from TPN, Experian, or Home Affairs. Those integrations are not connected, and the app marks them “not connected” wherever they would appear. Every recommendation is AI-generated guidance from real bank statement data, not a guarantee, and the final tenancy decision is always yours.
Your first screening is free. After that it is R149 per screening with no monthly fee, or from R1,500/month for agencies screening regularly.
PropCheck reads an applicant's own bank statement and tells you whether they can carry this rent, not whether they paid someone else last year.
Here’s your screening activity
Upload the applicant's 3-month bank statement PDF. The AI will analyse income, expenses, and risk in under 60 seconds.
The demo runs on sample tenants only. To screen a real applicant’s bank statement, create a free account. It takes about two minutes.