1. Introduction

1.1 These terms and conditions govern your use of this website.

1.2 By accessing and using the website in any way, you are agreeing to comply with these terms and conditions published on the website. In addition, when using or purchasing particular website services or products, you agree to abide by any applicable posted conditions and/or guidelines for such products or services, which may change from time to time. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.

2. License to use website

2.1 Unless otherwise stated, Quattro Finance and Legal (Pty) Ltd (“use”, “we”, “our”) and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.

2.2 As a user of this website you are granted a nonexclusive, non-transferable, revocable, limited license to access and use the website and content in accordance with these terms of use.

2.3 You may view, download and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms of use.

2.4 You must not:

• republish material from this website (including republication on another website);
• sell, rent or sub-license material from the website;
• reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
• edit or otherwise modify any material on the website; or
• redistribute material from this website except for content specifically and expressly made available for redistribution.
• use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

3. Restricted access

3.1 We reserve the right to restrict access to areas of this website, or indeed this entire website, at our discretion.

3.2 If we provide you with login credentials to enable you to access your online profile or restricted areas of this website or other content or services, you must ensure that the user login credentials are kept confidential. Any activity on the website authenticated with your login credentials shall be deemed binding on and attributable to you and unless otherwise agreed in writing, we may suspend or terminate access to any services on the website without notice.

3.3 In terms of section 86 of the Electronic Communications and Transactions Act, 25 of 2002 you are notified that it is a criminal offence to gain unauthorised access to any restricted areas of this website or to otherwise interfere with the proper functioning thereof.

4. Electronic Communications

4.1 Electronic communications shall only be deemed to have been received if and when responded to in a manner, other than by way of an automated response.

4.2 Electronic communications, including all attachments thereto, transmitted to you by us are subject to the following specific terms:-

4.2.1 Information contained in electronic communications must be regarded as confidential and intended solely for the use of the intended recipient. Any unauthorised disclosure, copying, distribution or action in reliance upon the contents of this electronic communication is strictly prohibited and unlawful.

4.2.2 The views expressed in any electronic communications transmitted are those of the individual sender, unless the context clearly provides otherwise.

5. Limitation of liability and Disclaimer

5.1 We will not be liable to you in respect of any damages, losses or liability of any nature incurred by whomever and resulting from, inter alia, access to the website and links on the website or the inability thereof, content available on the website, services or products available on the website, or corruption of any data, database or software, nor for the deletion, corruption or failure to store any messages or other content maintained on or transmitted by way of the website.

5.2 The website and content available on the website are supplied on an “as is” basis and has not been compiled to meet your individual requirements. It is your responsibility to satisfy yourself, prior to entering into this agreement with us, that the content, products and services available from and through the website meet your individual requirements.

5.3 While all reasonable efforts are taken by us to ensure the quality and accuracy of the content available from the website is true and correct we do not make any warranties or representations that the content, products and services available from the website will in all cases be true, correct or free from any errors.

5.4 Furthermore, we do not warrant or represent that the website and certain services will be available at all times. You acknowledge that the website and our services may be unavailable due to updates or other causes beyond our control such as, inter alia, power failures (load shedding), viruses and acts of God.

6. Reasonableness

6.1 By using this website, you agree that the exclusions and limitations of liability and disclaimers in 5 above are reasonable.

6.2 If you do not think they are reasonable, you must not use this website.

7. Privacy policy

7.1 Any personal information collected by us will be dealt with and handled in accordance with our Privacy Policy, which is available on our website.

8. Not legal advice

8.1 Unless otherwise stated, the content is not intended to and does not constitute legal advice. The accuracy, completeness, adequacy or currency of the content is not warranted or guaranteed, and your use of the content and this website or materials linked from this website is at your own risk.

9. Unenforceable provisions

9.1 If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

10. Indemnity

10.1 You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach of these terms of use by you or anyone using your computer or account/profile, your use of the website, and any claim brought by any third party relating to negligent misconduct, rights of publicity and/or privacy, intellectual property infringement or defamation.

11. Breaches of these terms of use

Without prejudice to our other rights under these terms of use, if you breach these terms of use in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

12. Variation

We may revise these terms of use from time-to-time. Revised terms of use will apply to the use of this website from the date of the publication of the revised terms of use on this website. Please check this page regularly to ensure you are familiar with the current version.

13. Assignment

We may transfer sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.

You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms of use.

14. Severability

If a provision of these terms of use is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

15. Entire agreement

These terms of use constitute the entire agreement between you and us in relation to your use of this website and supersede all previous agreements in respect of your use of this website.

16. Applicable and governing law

These terms and conditions will be governed by and construed in accordance with the laws of the Republic of South African law, and any disputes relating to these terms and conditions will be subject to the non- exclusive jurisdiction of the courts of the Republic of South Africa.