Using This Website

1.1 By using this website (www.negociate.co.za), you agree to be bound by these terms of use. These terms of use become effective when you access our website for the first time and constitute a binding agreement between Negociate Credit Solutions and yourself, which will always prevail. 1.2 The services offered by this website are provided to you free of charge, except where another agreement between us stipulates the contrary, on an "as is" and "as available" basis. Negociate Credit Solutions uses its best efforts to maintain the quality of its services, but you should not assume that the site is error-free or that it will be suitable for the particular purpose which you have in mind when using it. 1.3 The information, ideas and opinions expressed on this site are of a general nature and should not be regarded as financial or other advice. Prior to taking any action based on, or in relation to, information, ideas and opinions expressed on this site you need to obtain professional advice appropriate to your planned action. 1.4 Negociate Credit Solutions is the owner of the "negociate.co.za" domain. No other person or entity has any right to use any of the aforesaid domains. Should you be contacted by or come across any website (other than this one) purporting to be the official website of Negociate Credit Solutions, please report this to Negociate Credit Solutions's Client Care Centre at: 0861 555 554.

2.1 You use this website at your own risk. 2.2 Negociate Credit Solutions makes no warranties or representations of any kind (express or implied) with regards to the website or its content. 2.3 Negociate Credit Solutions shall not be held responsible for any injury, loss, expense or damage of any kind whatsoever suffered or incurred by you as a result of accessing this website, utilising any service offered on this website or relying on any information contained on this website for any reason whatsoever including but not limited to any injury, loss or damage suffered as a result of: 2.3.1 errors or discrepancies in the information provided; 2.3.2 relying on the information generated by a calculator or other online tool which is made available on this website. Such calculators and online tools are merely informative and their results are not a representation by Negociate Credit Solutions about our products and do not bind Negociate Credit Solutions in any manner; 2.3.3 relying on the accuracy of information provided by a third party. 2.3.4 any unauthorised access or amendment of this website by third parties; 2.3.5 any breakdown or failure of any equipment or medium of access to this website; 2.3.6 any failure or unavailability of this website or any third parties' facilities or systems resulting in the inability to access this website or process any transaction referred to or offered on this website; 2.3.7 the destruction or accessing of your data or equipment, or the data or equipment belonging to any third party used by you to access the site; or 2.3.8 any alteration, modification, upgrade or update of this website or any technology, hardware or software modification that may form part of this website. 2.4 You hereby indemnify Negociate Credit Solutions against any demand, claim or action for either direct-, indirect-, punitive- or consequential damages or order against Negociate Credit Solutions relating to or in connection with your use or accessing of this website whether such demand, claim or action was caused directly or indirectly for any reason whatsoever. 2.5 Negociate Credit Solutions reserves the right in its absolute discretion to alter, modify, upgrade, update, suspend or withdraw this website or any part hereof at any time. 2.6 You are entirely responsible for all content that you access, upload, post, email or otherwise transmit via Negociate Credit Solutions. We are not liable for loss of any content you transmit and you should keep a backup copy of all such content.

3.1 You give Negociate Credit Solutions permission to collect and use your personal information when you use the website. Negociate Credit Solutions uses your personal information only for internal purposes like improving the functionality of the site, keeping a database of users and maintaining a record of your access to the site. 3.2 Negociate Credit Solutions will not share your personal information with any third party without first obtaining your consent, unless Negociate Credit Solutions is ordered by a court of law to do so. 3.3 You consent that Negociate Credit Solutions may share your personal information with sub-contractors for purposes of management and administration of our website. 3.4. Negociate Credit Solutions uses a third party service offered by Google called Remarketing on this website. Remarketing allows us to serve our advertisements to users who visited our website when they visit other websites that are part of Google's advertising network. This helps us connect with these potential customers while they browse other websites. You can learn more about Remarketing on Google's explanatory website:https://support.google.com/adwords/answer/2454000. 3.5. Remarketing is an anonymous service and does not identify you personally - it simply identifies the pages visited on our website by recognising the unique identifying number of the cookie on your computer. 3.6. By using our website, you consent to the use of the Remarketing services as described below. 3.7. If you would like to opt-out of Remarketing, you have a number of options: 3.7.1. Google's Ads Preference Manager: https://www.google.com/ads/preferences/; 3.7.2. Listing yourself with self-regulatory associations to which advertising vendors such as Google subscribe; or; 3.7.3. Configuring your browser's settings to manage, disable or clear cookies:http://www.google.com/intl/en/policies/technologies/managing 3.8. Negociate Credit Solutions uses a third party service offered by Google called Analytics Demographics and Interest Reporting. Google Analytics Demographics and Interest Reporting allows us to collect data about age, gender and interest and how you use our website, so that we can optimise your website experience. By using our website, you consent to us using Google Analytics Demographics and Interest Reporting. You can learn more about Analytics Demographics and Interest Reporting on Google's explanatory website: https://support.google.com/analytics/answer/2799357.

4.1 Negociate Credit Solutions retains all copyright and other intellectual property rights in all material, including logos and other graphics and multimedia works published on or via the site. You are authorised to view and download one copy to a local hard drive or disk, print and make copies of such printouts, provided that: 4.1.1 the material is for personal use to consider the use of the online services and not for any commercial purposes; 4.1.2 any reproduction of our proprietary material from this site or portion of it must include our copyright notice in its entirety; 4.1.3 you do not distort or otherwise modify the proprietary information in a manner that may be prejudicial to Negociate Credit Solutions. 4.2 The logos and trademarks shown on this site are our registered and unregistered trademarks or that of third parties. Nothing on this site should be construed as granting any licence or right to use any trademark without our prior written permission and/or that of third parties, as the case may be. You may not, without our prior written permission, use our intellectual property or that of third parties for any other purposes. 4.3 An application to use our intellectual property must be submitted to legal@negociate.co.za. Upon receiving your application we will do our best to respond and enter into further discussions with you. If you don't get a written response from us within 5 business days, consider your request as having been rejected. 4.4 If you submit any content to this website, you grant by the submission of such content a transferable, perpetual, worldwide and royalty-free licence to use the content in any manner whatsoever. If the intellectual property rights of any content submitted by yourself is owned by a third party, you undertake to notify Negociate Credit Solutions immediately of the situation and you indemnify Negociate Credit Solutions upon submission against any claims that such third party may bring against Negociate Credit Solutions for the use of third-party content submitted to the website by yourself.

5.1 Nobody may establish a hyperlink, frame, meta tag or similar reference, whether electronically or otherwise (collectively referred to as linking), to this site or any subsidiary pages before receiving our prior written approval, which may be withheld or granted subject to the conditions we specify from time to time. 5.2 An application for linking must be submitted to legal@negociate.co.za. Once received we will do our best to respond and enter into further discussions with you. If you don't get a written response from us within 5 business days, consider your request as having been rejected.

6.1 The website may contain links to other websites with information and material produced by other parties. While we endeavour to provide links only to reputable websites, we cannot accept responsibility or liability for the information provided on other websites. A link from our site to any other website does not mean that we have scrutinised or endorsed the owners or administrators of the websites or their business or security practices and operations.

7.1 We take your privacy seriously and we will comply with all applicable laws imposing obligations on us to safeguard your personal information. We ask that you read this privacy notice ("Privacy Notice") carefully as it contains important information about how we will use your personal information should we be exposed to it or have to process your personal information in the context of your use of the Apps. 7.2 For the purposes of the Protection of Personal Information Act, 4 of 2013, we are the ‘responsible party’ in respect of personal information you submit to us (i.e. the company who is responsible for, and controls the processing of, the personal information you submit to us). 7.3 We may obtain personal information about you (such as your name, email address, phone number, payment and transaction details) whenever you complete forms on any of the Apps or when you use any of the Apps. 7.4 We will also obtain personal information you provide when you download or register to use the Apps, send us feedback, post material, contact us for any reason and by any medium, sign up to a service, make purchases using the Apps, complete a survey, report a problem with any of the Apps. We may further retain a record of any contact you make with us. 7.5 We may monitor your use of the Apps through the use of cookies and similar usage tracking devices. For example, we may monitor how many times you use the Apps, which pages you go to, traffic data and transaction types. This information helps us to build a profile of our users. Some of this information will be aggregated or will be statistical in nature, which means that we will not be able to identify you individually. 7.6 We may also collect information about your device each time you use the Apps. For example, we may collect information on the type of mobile device that you are using and its unique device identifier (for example, the IMEI number, the device’s mobile phone number, or the MAC address of the device’s wireless network interface), the type of mobile browser that you are using, the mobile operating system that you are using and mobile network information. 7.7 We may use your personal information for the following purposes: a. to help us identify you and any accounts you hold with us; b. administration; c. research, statistical analysis and behavioural analysis; d. customer profiling and analysing your purchasing preferences; e. fraud prevention and detection; f. to notify you of any changes to the Apps or to our services that may affect you; g. security vetting; h. providing support services we are responsible for; i. and improving our services. 7.8 The Apps may contain links to websites or other apps which we or our partners own, or websites or apps of our partners or third parties. Please note that if you follow any of these links, the websites, apps and services provided through them will have their own privacy policies/terms of use. We do not accept any responsibility or liability for their respective privacy policies/terms of use or the collection and use of any personal information collected through these websites, apps or services. Please ensure that you review the relevant privacy policies/terms of use prior to providing any personal information to, or using these websites, apps and services. 7.9 We may disclose your personal information to: a. other companies within our group; b. our agents and service providers; and c. law enforcement and regulatory agencies in connection with any investigation to help prevent unlawful activity or as otherwise required by applicable law. 7.10 We will use technical and organisational measures to safeguard your personal information, for example: a. we store your personal information on secure servers; and b. transaction details are encrypted using TLS technology while in transit. 7.11 While we will use all reasonable efforts to safeguard your personal information, you acknowledge that the use of the internet is not entirely secure and for this reason we cannot guarantee the security or integrity of any personal information that is transferred from you or to you via the internet. 7.12 We may monitor and record communications with you (such as telephone conversations and emails) for the purpose of quality assurance, training, fraud prevention and compliance.

We may amend these conditions from time to time. By accessing this site you are bound to the version of the conditions published here at the time of any visit to this site. You agree to view the current version each time you access the site. A certificate signed by the administrator responsible for maintaining this site will be prima facie proof of the date of publication and content of the current version and all previous versions of the conditions. Nothing on this site should be treated as an offer but merely as an invitation to do business with us. If any provision of these terms of use is not fully enforceable for any reason, the remainder shall nonetheless continue to apply. The laws of the Republic of South Africa apply to these terms of use as well as the relationship between yourself and Negociate Credit Solutions as far as it concerns the use of our website or any matter that may arise from such use. Breach of these conditions entitles us to take legal action without prior notice to you and you agree to reimburse the costs associated with such legal action to us on an attorney and client scale.