1.1 Definitions

 

 

In these Terms and Conditions, the following terms have these meanings:

 

• Digital Platform means the website, mobile application, or any related digital service made available by the business.

• Business / We / Us / Our means the company operating the platform and any affiliated entities where applicable.

• App means any mobile or tablet application provided by the business.

• Personal Information means any information that identifies or relates to a person or business, including contact, financial, technical, or account information.

• Software means the digital systems, code, applications, updates, content, and related technology used in connection with the platform.

• Working Day means any day other than a Saturday, Sunday, or public holiday in South Africa.

• You / Your means the person or entity using the platform.

 

 

 

 

1.2 Right of Use

 

 

By accessing or using the platform, you agree to these Terms and Conditions.

 

We grant you a limited, non-exclusive, non-transferable right to use the platform for your own lawful business or personal purposes. You may not use the platform for unlawful activity or for unauthorised commercial exploitation.

 

You do not acquire ownership of the platform, software, or any intellectual property by using the platform.

 

You must be at least 18 years old to register for or use the platform.

 

You are responsible for any data, SMS, call, or internet charges incurred while using the platform.

 

 

 

1.3 Commencement and Termination

 

 

These Terms and Conditions apply from the moment you first access, download, install, or use the platform.

 

You may stop using the platform at any time.

 

We may suspend, restrict, or terminate your access immediately if you breach these Terms and Conditions or use the platform in a way that is unlawful, harmful, abusive, or risks the integrity of the platform.

 

 

 

1.4 Account and Profile Security

 

 

If you create an account, you are responsible for keeping your login details secure and confidential.

 

You accept responsibility for all activity that takes place under your account, whether authorised by you or not.

 

You must notify us immediately if you believe your account, password, device, or profile has been compromised.

 

We may require you to update your login credentials or verify information from time to time.

 

We may refuse access to services if we are unable to verify the information you provide.

 

 

 

1.5 Changes to These Terms

 

 

We may update these Terms and Conditions at any time.

 

Any updated version will be published on the platform. Continued use of the platform after changes are published means you accept the revised Terms and Conditions.

 

Where required, you may be asked to accept updated terms before continuing to use the platform.

 

 

 

1.6 Restrictions on Use

 

 

You may not:

 

• copy, modify, adapt, distribute, reverse engineer, decompile, or attempt to access the source code of the software, except where allowed by law;

• sell, lease, sublicense, transfer, or assign any part of the platform or software;

• misuse the platform by introducing malicious code, viruses, worms, or harmful material;

• attempt to gain unauthorised access to the platform, systems, accounts, or data;

• use the platform in a way that breaches any law or infringes intellectual property or other rights.

 

 

You are responsible for ensuring that anyone accessing the platform through your account, device, or internet connection also complies with these Terms and Conditions.

All content, software, branding, design elements, materials, and intellectual property on the platform are owned by the business, its licensors, or its partners, and are protected by applicable law.

 

You may not copy, reproduce, publish, display, distribute, or otherwise use any content from the platform without prior written permission, unless permitted by law.

 

Nothing in these Terms and Conditions grants you any ownership or licence rights in relation to the platform or its content, except the limited right to use the platform as set out above.

The platform and its content are provided on an “as is” and “as available” basis.

 

To the fullest extent permitted by law:

 

• we do not guarantee that the platform will always be available, uninterrupted, secure, accurate, complete, or error-free;

• we do not guarantee that the platform, systems, or servers are free from viruses or harmful components;

• we do not warrant that the platform will meet your individual requirements or intended outcomes.

 

 

Your use of the platform is at your own risk.

 

We will not be liable for any direct, indirect, incidental, special, or consequential loss or damage arising from your use of, or inability to use, the platform, including loss of income, profits, business, data, or reputation, except where liability cannot legally be excluded.

 

We are also not responsible for losses caused by:

 

• service interruptions or delays;

• power failures or technical problems;

• events beyond our reasonable control;

• incorrect or incomplete information supplied by you;

• misuse of the platform or breach of these Terms by you.

 

 

Information made available on the platform is for general information purposes only and does not constitute professional, legal, financial, or other regulated advice unless expressly stated otherwise.

The platform may contain links to, integrations with, or references to third-party websites, products, software, or services.

 

These third-party services are not controlled by us, and we are not responsible for their content, security, availability, or privacy practices.

 

Your use of any third-party website or service is entirely at your own risk. You should review the terms and privacy policies of those third parties before using them.

Your personal information will be collected, processed, stored, and protected in accordance with our Privacy Policy and applicable data protection laws.

 

By using the platform, you consent to the processing of your personal information where required for the provision of services, account management, platform functionality, legal compliance, fraud prevention, or security.

To use the platform effectively, you may need:

 

• a compatible browser or mobile device;

• internet access;

• enabled cookies and JavaScript where applicable;

• software capable of opening common file formats such as PDF, DOCX, XLSX, or TXT.

 

 

We do not guarantee that the platform will function correctly on all devices, systems, or browsers.

We aim to make the platform accessible and usable for a wide range of users.

 

Accessibility features may include:

 

• resizable text and images;

• strong contrast and readable layouts;

• image descriptions or alternative text;

• simplified content structures;

• keyboard-friendly navigation;

• plain language where possible.

 

 

We continue to improve accessibility in line with good practice and relevant standards.

Where applicable, you may request access to certain records or information held by us in accordance with relevant legislation, including access to information laws.

 

Requests must be submitted in line with our access to information process or manual, where applicable.

By using the platform and accepting these Terms and Conditions, you agree that certain notices, confirmations, approvals, records, and transactions may be communicated or concluded electronically.

 

Electronic acceptance, electronic consent, or electronic signatures may be treated as valid and binding where permitted by law.

 

You are responsible for keeping your contact details accurate and up to date so that you can receive important communications.

 

Cancelling your consent to electronic communications may affect the services we are able to provide to you.

If web chat, messaging, or online support services are available on the platform:

 

• these services are intended to help users navigate the platform or obtain general assistance;

• users should not share sensitive banking details, PINs, passwords, or unnecessary confidential information through chat;

• chat interactions may be recorded or stored for service, training, quality, or compliance purposes;

• information shared through chat does not constitute regulated advice unless expressly stated.

 

 

We are not liable for losses arising from reliance on informal support responses where professional advice is required.

From time to time, we may run promotions, campaigns, or competitions.

 

Each promotion or competition may have its own specific terms, including:

 

• eligibility requirements;

• entry periods;

• prize details;

• winner selection methods;

• notification processes;

• prize conditions;

• use of participant information.

 

 

Participation in any promotion or competition constitutes acceptance of the relevant promotional terms and conditions.

 

We reserve the right to amend, suspend, or cancel a promotion or competition where necessary and subject to applicable law.

These Terms and Conditions are governed by the laws of the Republic of South Africa.

 

By using the platform, you agree that any dispute arising from these Terms and Conditions or your use of the platform will be subject to the jurisdiction of the South African courts, unless applicable law requires otherwise.

If you have any questions about these Terms and Conditions, please contact us at:

 

• Email: [Insert email]

• Phone: [Insert phone number]

• Address: [Insert address]