Terms and conditions of use

Conditions Of Access

1.1. The terms and conditions set out in this document (the “Terms and Conditions”) govern the use of the website of IKAMVA LABANTU, located at www.ikamva.org.za (the “Website”).

1.2. The Terms and Conditions become effective when you access the Website for the first time and constitute a binding agreement between yourself and IKAMVA LABANTU. Your use of the Website will be considered notice of your acceptance to abide by and be bound by these Terms and Conditions.

1.3. By accessing the Website, you are deemed to have read and have full knowledge of the Terms and Conditions as amended from time to time.

DISCLOSURE
PRIVACY AND SECURITY POLICY

4.1.IKAMVA LABANTU’s commitment to your privacy and the security of your personal information is outlined in our Privacy and Security Policy.

4.2. IKAMVA LABANTU respects your right to privacy and confidentiality and therefore will not sell, rent or exchange personal information provided by you with any third party, save as otherwise provided for in the Terms and Conditions or the Privacy and Security Policy. Furthermore, IKAMVA LABANTU undertakes to use its reasonable commercial endeavours to safeguard any personal information acquired by IKAMVA LABANTU in connection with the use of the Website by you.

4.3. IKAMVA LABANTU is committed to keeping your information confidential but reserves the right to disclose personal information in certain circumstances, for instance where it is believed to be in good faith, it is required under law, to co-operate with the applicable regulatory or law enforcement authorities or to protect its rights or property.

4.4. You consent to IKAMVA LABANTU and its representatives using personal information provided by you:

4.4.1. to provide services;

4.4.2.   to deal with your queries; and

4.4.3.   for the purposes of statistical analysis, research and record keeping.

4.5.     You also consent to the transfer of your personal information to any third party, which acquires substantially all of IKAMVA LABANTU’s assets.

DISCLAIMER AND LIMITATION OF LIABILITY

5.1. The purpose of the Website is to provide you with general information regarding IKAMVA LABANTU, IKAMVA LABANTU’s products and IKAMVA LABANTU’s services. Although IKAMVA LABANTU will use its reasonable commercial endeavours to ensure the accuracy of the information on the Website on an ongoing basis, use of the Website and any Online Services are at entirely your own risk.

5.2.  All information on the Website is provided “as is” and is not intended to meet your individual requirements and may contain inaccuracies or typographical errors. Laws, rules and regulations applicable to the information may also change from time to time and you should independently verify the correctness of information contained on the Website.

5.3.  Nothing on the Website constitutes an offer to you and the information provided on the Website is merely an invitation to you to do business with IKAMVA LABANTU.

5.4.  Information is made available on the Website without any express or implied warranty or representation whatsoever. In particular, IKAMVA LABANTU does not warrant that the Website will be error-free or will meet any particular criteria of accuracy, completeness, performance, quality or reliability of information.

5.5.  Neither IKAMVA LABANTU nor its affiliates, subsidiaries or any of its agents or representatives shall be liable for any damages whatsoever suffered or incurred, whether direct, indirect, special, incidental or consequential damages, arising from or relating to the use, or inability to use, the Website, or the information provided from and through the Website, any functionality thereof or of any linked website.

5.6.  Without derogating from the generality of the above, IKAMVA LABANTU will not be liable for:

5.6.1. any malfunction, interruption, downtime or other failure of the Website, the IKAMVA LABANTU computer system, databases (or any of its components), for whatever reason, or any other failure of goods or services provided by third parties, including, without limitation, third party systems such as the public switched telecommunication service providers, internet service providers, electricity suppliers, local authorities and certification authorities;

5.6.2.   any loss or damage suffered by you in respect of orders, purchases or disposal of goods and services from third parties based on the information provided on the Website;

5.6.3.   any loss or damage in respect of your data or other data directly or indirectly caused by malfunction of the IKAMVA LABANTU computer system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on our system or third party systems, programming defects, negligence on our part; and/or

5.6.4.   any event over which IKAMVA LABANTU does not have direct control.

5.7.     Under no circumstances will IKAMVA LABANTU be responsible for any loss, damage or harm suffered by you or a third party as a result of the transmission of confidential or other information to IKAMVA LABANTU via the internet, any transmissions by IKAMVA LABANTU that you have expressly or implicitly authorised IKAMVA LABANTU to make, or for any errors or changes made to any transmitted information. IKAMVA LABANTU reserves the right to request independent verification of any information transmitted via the Website or email.

SOFTWARE

6.1. You acknowledge that any software made available for download on or via the Website is governed by licence conditions and agree that you indemnify IKAMVA LABANTU against any breach by you of these licence conditions.
6.2. IKAMVA LABANTU does not expressly or implicitly warrant that any files, downloads or applications via the Website are free of viruses, trojans, bombs, time-locks or any other data or code which has the ability to corrupt or affect the operation of your computer, database, network or other information system.

HYPERLINKS

7.1. This Website may contain hyperlinks to websites operated by third parties (“Third Party Websites”). The operation and content of Third Party Websites shall be determined by the relevant third party which controls the website and this will be governed by separate terms and conditions. It is your responsibility to become acquainted with such terms and conditions.

7.2. Hyperlinks to Third Party Websites are provided for convenience only and the inclusion of any links should not be taken to imply an endorsement by IKAMVA LABANTU in any way of a Third Party Website to which it links. IKAMVA LABANTU has no control over or proprietary interest in websites owned, operated controlled and/or provided by third parties and accepts no responsibility or liability for the content of any other website.

7.3. IKAMVA LABANTU prohibits the establishment of any hyperlinks, frame, metatag or similar reference, whether electronically or otherwise, to this Website by anyone, save with IKAMVA LABANTU’s prior written approval, which approval may be withheld for any reason whatsoever. Breach of this clause 7.3 entitles IKAMVA LABANTU to take legal action without prior notice to you and you shall reimburse IKAMVA LABANTU for the costs related to such legal action on an attorney and own client scale.

INTELLECTUAL PROPERTY RIGHTS

8.1. The content on the Website, including but not limited to, software, databases, text, graphics, icons, logos, hyperlinks, multimedia works, private information and designs are the property of or licensed to IKAMVA LABANTU or third parties. Subject to the rights afforded to you in these Terms and Conditions, if any, all IKAMVA LABANTU’s rights to intellectual property on the Website are expressly reserved.

8.2. You are authorised to view and download one copy of the content of the Website, or a portion thereof, to a local hard drive or disk, and to print and make copies of such print out, provided that:

8.2.1. the material is used to consider IKAMVA LABANTU’s products and/or services and for no other purpose; and

8.2.2.  any reproduction of the material or content of the Website or a portion of it shall include IKAMVA LABANTU’s copyright notice in its entirety, which can be obtained on the Website

8.3. All trademarks, logos and designs, whether registered or not, used on the Website are subject to the copyright of IKAMVA LABANTU or third parties and belong to IKAMVA LABANTU or a third parties and are protected by both national and international intellectual property laws.

8.4. Nothing on the Website should be construed as granting any license, right, authority or approval to use any trademark of IKAMVA LABANTU (or any third party). You may not use, copy, reproduce, transmit, distribute, disseminate, sell, publish, broadcast advertise or exploit IKAMVA LABANTU’s intellectual property (or the intellectual property of any third party), without IKAMVA LABANTU’s (or the third party’s) prior written permission.

8.5. You acknowledge that you have no right, title or interest in any material on the Website and that IKAMVA LABANTU is the proprietor of all the material on the Website, whether it constitutes confidential information or not, and irrespective of the existence of copyright.

COMMENTS POSTED ON THE WEBSITE

9.1. The Website makes provision on the Website for you to comment on the services provided by IKAMVA LABANTU and for agents and employees to respond thereto by way of interactive “blogging”.

9.2. IKAMVA LABANTU reserves the right, but not the obligation, to monitor and edit or remove any information posted to the Website.

9.3. You agree not to post or transmit any comments to the Website which are illegal, defamatory, infringing, harassing, obscene, commercial advertising, personal marketing, profane, untrue, incorrect or harmful, abusive, threatening, vulgar or obscene or constitute hate speech. IKAMVA LABANTU reserves the right to report any such comments posted by you to the appropriate authorities.

9.4. If you post unsolicited content or other information to the Website, and unless otherwise indicated by you, you grant IKAMVA LABANTU a non-exclusive, royalty-free, perpetual, irrevocable, and fully sub-licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such information throughout the world in any media. You grant IKAMVA LABANTU the right to use the name that you submit in connection with such information, if it so chooses.

9.5. You warrant to IKAMVA LABANTU that:

9.5.1. you own or otherwise control all of the rights to the information that you post;

9.5.2. the information is accurate;

9.5.3. by the supply of the information to IKAMVA LABANTU, you do not violate the Terms and Conditions and do not infringe the rights of any person or entity; and

9.5.4. you indemnify IKAMVA LABANTU for all claims resulting from the receipt by IKAMVA LABANTU of the information you supply to it.

9.6. Information, ideas and opinions expressed by an agent, representative or employee of IKAMVA LABANTU on the Website should not be regarded as professional advice or the official opinion of IKAMVA LABANTU .

9.7. IKAMVA LABANTU takes no responsibility, and assumes no liability for, any information posted by users of the Website, any third party or any of IKAMVA LABANTU’s agents, representatives or employees. You indemnify and hold IKAMVA LABANTU harmless against any liability, claim, damage or loss that may result from your posting(s) to the Website.

COMMUNICATIONS

10.1. You acknowledge that IKAMVA LABANTU will use email and notices on the Website as the foremost means of communicating with you on matters relating to the Website and the Terms and Conditions.

10.2. An email message will be deemed to be sent:

10.2.1. by you, at the time IKAMVA LABANTU is capable of accessing such email in full; and

10.2.2.  by IKAMVA LABANTU, at the time shown on the email as having been sent, or if not shown, at the time that IKAMVA LABANTU’s system shows it as having been sent.

10.3. An email message will be deemed to be received:

10.3.1. by you once it becomes capable of retrieval by you; and

10.3.2.  by IKAMVA LABANTU, the earlier of IKAMVA LABANTU confirming receipt thereof to you; and IKAMVA LABANTU responding thereto.

10.4. An email message shall be attributed:

10.4.1. to you, if it appears to have originated from you, whether or not it was sent in error or due to a malfunction in the communication system; and

10.4.2.  to IKAMVA LABANTU, if it was sent by a duly authorised representative acting within the scope of authority of such representative, or by an automated  system programmed by IKAMVA LABANTU or on behalf of IKAMVA LABANTU, provided that such system operated without error or malfunction.

CHANGES AND AMENDMENTS TO TERMS AND CONDITIONS

11.1. IKAMVA LABANTU reserves the right, in its sole and absolute discretion, to change, modify, add to and/or remove from portions or the whole of these Terms and Conditions from time to time and without prior notice.

11.2. Changes to these Terms and Conditions will become effective upon such changes being posted on the Website and you will be deemed to have consented, read and have full knowledge of the amended Terms and Conditions when accessing the Website.

LEGAL CAPACITY

You hereby warrant that you have the required legal capacity to enter into and be bound by the Terms and Conditions. Persons under the age of 18 (eighteen) must be assisted by their legal guardians when using the Website.

CHOICE OF LAW AND JURISDICTION

13.1. This Website is controlled, operated and administered by IKAMVA LABANTU from its offices as set out on the website. IKAMVA LABANTU makes no representation that the content of the Website is appropriate or available for use in other locations or countries. Access to the Website from territories or countries where the content is illegal is prohibited. You may not use this Website in violation of South African export laws and regulations. If you access this Website from locations outside of South Africa, you are responsible for compliance with all local laws.

13.2. The Terms and Conditions shall be governed by the laws of the Republic of South Africa, and you consent to the jurisdiction of the High Court of South Africa in the event of any dispute.

13.3. If any of the provisions of these Terms and Conditions are found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions, and the remainder of these Terms and Conditions shall continue in full force and effect.

13.4. These Terms and Conditions constitute the entire agreement between IKAMVA LABANTU and you with regard to the use of the content and this Website.

CONTACT DETAILS

14.1. IKAMVA LABANTU chooses the following address for the service of any legal notice related to these Terms and Conditions:

Physical address:
Hills Building, Buchanan Square, 160 Sir Lowry Road, Cape Town, 7925, Republic of South Africa
Mailing address:
P.O. Box 165, Cape Town, 8000

BREACH

If you:
15.1. breach any provision of the Terms and Conditions;

15.2. use the Online Services or in any other manner interact with the Website in an unlawful or unauthorised manner;

15.3. knowingly introduce any viruses, trojans, worms or other material which is technologically harmful; or

15.4. attempt to gain unauthorised access to the Website, the server on which the Website is hosted or any server, computer or database connected to the Website,

IKAMVA LABANTU shall be entitled, but not obliged, to terminate the delivery of services to you immediately without prior notice and without prejudice to IKAMVA LABANTU’s other rights in terms of these Terms and Conditions or at law.

Privacy And Security Policy

INTRODUCTION

1.1. IKAMVA LABANTU (“IKAMVA LABANTU”) is dedicated to protecting the privacy and confidentiality of our customers and will safeguard any personal information acquired by IKAMVA LABANTU as a result of or in connection with your use of the IKAMVA LABANTU website, located at www.ikamva.org.za (“Website”).

1.2. To enable IKAMVA LABANTU to deliver services and to attain the highest level of customer service, it is critical for IKAMVA LABANTU to obtain accurate and timely information about its clients while protecting the confidentiality and privacy of such information.

1.3. IKAMVA LABANTU will comply with the privacy and procedures set out in this Privacy and Security Policy and will not otherwise distribute your personal information without notifying you in advance, through the provisions of supplemental privacy policies and statements or otherwise.

COLLECTION OF INFORMATION

2.1. The personal information collected by IKAMVA LABANTU is mostly information and materials provided voluntarily by you through the use of the Website, completing an application form or communicating with IKAMVA LABANTU. The personal information collected by IKAMVA LABANTU from users is of a nature which is appropriate in the normal course of business to provide the products and services requested by you.

2.2. IKAMVA LABANTU may also collect information about you, which is automatically provided through the use of “cookies” when you access the Website. A cookie is a small data file consisting of encrypted information assigned to a computer’s browser when visiting the Website and is stored on your hard drive. Cookies are sent to the IKAMVA LABANTU web server when the Website is visited but do not collect or transmit your personal information or function on their own.

2.3. Cookies are used to identify which areas of the Website are more frequently visited and enable IKAMVA LABANTU to deliver content that is specific to the needs of a user. IKAMVA LABANTU can thus provide a more valuable online experience with the information received. Although cookies can be disabled by you, this may have an effect on the functioning of the Website and is not recommended.

DISCLOSURE OF INFORMATION

3.1. IKAMVA LABANTU is committed to keeping your personal information confidential and will not sell, rent or exchange your personal information with anyone. IKAMVA LABANTU will not disclose your personal information without your consent unless:

3.1.1. requested to do so by any regulatory authority and the regulators appointed by such regulatory authorities for the various financial sectors;

3.1.2.  compelled in terms of a court order or by law;

3.1.3.  it is in the public interest to do so;

3.1.4.  it is acting

3.1.5.  to comply with any regulation passed under the relevant legislation, or any legal process; and

3.1.6.  it is to protect and defend IKAMVA LABANTU’s rights and property (including IKAMVA LABANTU’s intellectual property).

3.2.    IKAMVA LABANTU aspires to provide first-class service to its customers, which necessitates IKAMVA LABANTU providing information to you regarding new services or special offers. In each instance, you will be provided an opportunity to opt-out of such information circulars. For more information, please contact IKAMVA LABANTU, or send an email to in**@ik****.za.

SECURITY

4.1. Only authorised employees, agents and representatives of IKAMVA LABANTU will have access to your personal information and all of IKAMVA LABANTU’s employees, service providers and marketing partners are bound by confidentiality agreements and obliged to comply with strict standards of privacy and confidentiality.

4.2. Users of the non-public areas of the Website will be required to log in to such areas through means of identification and authentication, prior to access being granted by IKAMVA LABANTU to the online services.

4.3. Nevertheless, IKAMVA LABANTU cannot guarantee the security of information that is transmitted to IKAMVA LABANTU electronically as such transmissions are susceptible to unlawful access or monitoring. Any electronic transmissions made by you to IKAMVA LABANTU are at your own risk.

ACCESS TO INFORMATION

5.1. The Promotion of Access to Information Act, No 2 of 2002 embodies the constitutional right of access to any information held by any private or public body that is required for the exercise or protection of any rights. There are a number of requirements that have to be met prior to access to any information be granted.

5.2. The Act requires that a manual be prepared to assist people in exercising their right of access to information. This manual can be obtained from IKAMVA LABANTU by e-mailing in**@ik****.za.

GENERAL PROVISIONS

6.1. This Privacy and Security Policy does not include IKAMVA LABANTU’s terms and conditions of use of the Website and users are advised to read such terms and conditions.

6.2. IKAMVA LABANTU reserves the right, in its sole and absolute discretion, to change, modify, add to and/or remove from portions or the whole of this Privacy and Security Policy from time to time and without prior notice. You will be deemed to have read and have full knowledge of the amended Privacy and Security Policy.

6.3. Although IKAMVA LABANTU has taken reasonable care in ensuring the accuracy of the information contained in this Privacy and Security Policy, IKAMVA LABANTU does not guarantee its accuracy at any time.

6.4. IKAMVA LABANTU will not be liable for any loss or damage suffered by a user in connection with, or arising from, any reliance placed on the information provided in this Privacy and Security Policy.