Online Payment Terms and Conditions of use

Agreement

This agreement governs your use of the Company Service ("the service").

It forms an agreement between you and Company, ("us", "we" or "our") when you:

• register to use the Company Service; or
• access free content via the website or otherwise ("the service"), whichever occurs first.

Information might be delayed

You must treat all information provided via the service as delayed unless we specifically say the information is up to date.

Your security: You must protect your access codes and logout at the end of a session

You are responsible for all activities that occur on the restricted portion of the service, including the website after your usernames and passwords ("access codes") have been entered. You must take all reasonable steps to safeguard your access codes.

You must make sure that you have logged off at the end of a session. We are not liable for any loss or damage because of your failure to comply with this section.

This site is subject to our intellectual rights

You acknowledge that we and/or our licensors own all intellectual property and other rights that apply to the service, the content and the website. Various intellectual property laws and international treaties protect our intellectual property. This includes all registered and unregistered trademarks, patents, copyright, designs or applications for these.

You may only download, copy, view or use the content provided via the service for your own use and use the service for your own use. Certain content is only available to registered subscribers. You are not allowed to use or access that content unless you are a registered subscriber.

You must not allow other persons to access the service, or in any other manner use, copy, reproduce, share, display modify, license, rent, lease, loan, sell, distribute the content or the service or any of our intellectual property (or any portion thereof), without our prior written consent.

You may not create derivative works based on the service or our website.

We reserve all our rights.

You must retain all notices, including copyright notices on any content you access via the service (including any reports, newsletters or other content.)

You are subject to any license terms, conditions and restrictions that apply to third-party content. If you are not sure of what those license terms, conditions and restrictions are, you must contact the owner/author of that content.

You agree not to access the service by any means other than through the interface that is provided by Company to access the service.

You may not publish the content or create any kind of link or reference whether electronically or otherwise ("linking") to any part of our website without our prior written consent.

You must use recommended software and hardware and follow suggested settings

You must follow our suggested settings for communication devices, including browsers. If we specify hardware or software requirements, then you must use that specified hardware or software. Please see our website settings for more information or contact our website administrator. If you do not do this it may result in a security risk to you and/or result in some or all of the functionality of the service not to operate properly or at all.

You are responsible for obtaining the necessary services to gain access to the service and for supplying your own equipment and software

Our website, the service or parts of the foregoing may not be available to, or accessible from, certain devices.

You must at your own expense obtain all equipment and services and software necessary to gain access to the service, including compatible software and equipment to access and use the service and to read, convert or store the content.

You are responsible for all third party charges associated with this.

We do not provide any warranties about the service

You use the service and content at your own risk.

The service and content is provided on an "as is", "with all faults" and "as available" basis.

To the full extent allowed by law, we disclaim all warranties, express or implied, or representations of any kind, about the service, its availability, its operation or usefulness, its non-infringement. We do not provide the implied warranties of merchantability and fitness for any particular purpose. We do not verify the ownership rights or nature, accuracy or reliability of any information. We make no warranty about the ownership, nature, integrity, reliability, legality, quality, appropriateness, or security of the service. We make not warranty that any particular hardware or software or devices are compatible with the service. We do not warrant that the service will be available at all times, or from all locations.

We are not liable to you are any party for any loss or damage you suffer

You use the service and content at your own risk.

We are not liable to you or any other person for any loss or damage of any kind, which arises because of the service or content, regardless of how or when this arises. This includes loss or damage that arises because of one or a combination of the following:

• Because of your use of the service or content.
• Because of any of the content.
• Because of loss or damage to your computer system or software.
• Because of our actions or omissions.
• Because of the acts or omissions of any user or other person.
• Because you are not able to use the service or access any content.
• Because third-party party telecommunication systems or utilities have malfunctioned or are not available.
• Because of natural disasters.
• Because of the malfunction of your systems or third party systems.
• Because your communications or communication device were unlawfully accessed, monitored or intercepted.
• Because of our delay or failure to update, monitor or remove any content.

These exclusions apply to any claims for lost data, loss of goodwill, loss of productivity or any other losses or damages, even if we knew or should have known of the possibility of such damages. Without derogating from the foregoing our liability shall always be limited to the full extent permitted by law.

You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the use of the service or this agreement must be instituted within 1 (one) year after such claim or cause of action arose.

How this agreement must be read and interpreted

The following rules will apply to the interpretation of this agreement:

• Defined words are shown in title case or lower case, as the context requires.
• Words defined anywhere in this agreement will have the meaning given to them, throughout the agreement unless the context clearly requires otherwise or we state otherwise.
• The singular includes the plural, and vice versa.
• Clause (section) headings in this agreement are provided for convenience and ease of reference only and will not be used to interpret, modify, or amplify this agreement.
• If any of the terms, conditions or provisions in this agreement are held to be illegal, invalid, unlawful or unenforceable, the term, condition or provision will be ineffective to the extent of such prohibition or unenforceability and will be treated as if it were not written and deleted from this agreement without invalidating the remaining terms, conditions and provisions of this agreement.
• The words "includes" and "including", must be read to include the words "without limitation" immediately thereafter.
• The word "person" refers to natural and legal persons or groups of persons.
• References to "Company", "us", "we" or "our", shall where necessary to limit its liability or enforce its rights, including any indemnities from you, include Company and its directors, employees, affiliates, service providers, agents, licensors, clients and other partners. Such clauses will constitute a stipulation for the benefit of another.
• "Our", "us" and "we" only refers to Company and not you and Company.
• The rule that a contract be interpreted against the party responsible for drafting it, will not apply.

The law that governs the service, our relationship and this agreement

• The service is provided, hosted, controlled, and operated from the Republic of South Africa.
• This agreement and all online terms, our relationship and your use of the service is governed by and must be construed and interpreted in accordance with the laws of the Republic of South Africa without giving effect to conflict of laws provisions or rules.
• You consent to the jurisdiction of the South African courts for any dispute which may arise out of or in connection with this agreement.