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Redisure
(PTY) LTD
- Disclaimer
- Indemnification
- Use of Services
- Privacy Policy
- Electronic Communications
- Intellectual Property Rights
- Password
- Termination and Variation
- General
- FAIS Compliance
TERMS AND CONDITIONS OF USE OF THE [REDISURE
WEBSITE ACCESSING ANY PAGES ON THIS WEBSITE IMPLIES THAT YOU, ("THE
USER"), AGREE TO THE FOLLOWING TERMS AND CONDITIONS OF USE OF THIS
WEBSITE.
1. DISCLAIMER
1.1 Whilst every effort has been made by [REDISURE (Pty)
Ltd ("REDISURE"), and its suppliers of information, to ensure the
proper performance of this website, the accuracy of the
information/images and the reliability of the data on this website,
REDISURE, its affiliated companies, suppliers, or any of their
employees, do not guarantee the availability of services, content
and information offered on this website ("the Services") or the
accuracy of the information and/or images on this website.
1.2 We make no representations or warranties, whether express or
implied, and assume no liability or responsibility for the proper
performance of this website and/or the Services and/or the
information and/or images contained on this website, and the
Services are thus used at your own risk. In particular we make no
warranty that the Services will meet your requirements, be
uninterrupted, complete, timely, and secure, or error free.
1.3 We will not entertain requests for exchanges, returns and/or
refunds.
1.4 This site may contain hyper-links to third party sites. REDISURE
is not responsible for the content of, or the services offered by
those sites. The hyper-link(s) are provided solely for your
convenience and should not be construed as an express or implied
endorsement by us of the site(s) or the products or services
provided therein. You access those sites and use their products and
services solely at your own risk.
2. INDEMNIFICATION
You indemnify and hold us harmless against all and any loss,
liability, actions, suites, proceedings, costs, demands and damages
of all and every kind, (including direct, indirect, special or
consequential damages), and whether in an action based on contract,
negligence or any other action, arising out of or in connection with
the failure or delay in the performance of the Services offered on
this website, or the use of the Services, information and/or images
available on this website, whether due to our negligence or not.
3. USE OF SERVICES
3.1 You may only use the Services for lawful purposes and you
warrant that you shall not:
3.1.1 use the Services to receive or transmit material which is in
violation of any law or regulation, which is obscene, threatening,
racist, menacing, offensive, defamatory, in breach of confidence, in
breach of any intellectual property rights, or otherwise
objectionable or unlawful;
3.1.2 other than for your own use, store on your computer, or print
copies of extracts from this website, and you may not, other than
for your own use, "mirror" or cache information provided via this
website on your own server, or copy, adapt, modify or re-use the
text or graphics from this website without prior written permission
from REDISURE.
4. PRIVACY POLICY
4.1 REDISURE and all its associated companies are committed to
respecting the privacy of your personal data. To demonstrate our
commitment, REDISURE has created this Security and Privacy Statement
in order to communicate its intent to provide effective processes
for the appropriate handling of such private information and to
comply with applicable legislation that governs the authentication,
protection and disclosure of personal information.
4.2 What types of information are REDISURE collecting, and how do we
do it?
For the purpose of business communications, administration and
transacting we may collect and use personal information, for
example: your name, address, telephone number, e-mail and/or account
details. This will enable us to:
- Respond to queries or requests submitted by you;
- Process orders or applications;
- Resolve problems with goods and services previously supplied;
and/or
- Create products or services that may meet your future
requirements.
- REDISURE will collect, store, process, transmit or otherwise handle
private information only with the knowledge and consent of yourself.
Mostly, this is done by completing an online form.
4.3 The use of Cookies
We may store some information (commonly known as a "cookie") on your
computer when you visit our web site. This enables REDISURE to
recognize you during subsequent visits. The type of information
gathered is non-personal (such as: the IP address of your computer,
the date and time of your visit, which pages you browsed and whether
the pages have been delivered successfully. Apart from merely
establishing basic connectivity and communications, REDISURE may
also use this data in aggregate form to develop customized services
- tailored to your individual interests and needs. Should you choose
to do so, it is possible (depending on the browser you are using),
to be prompted before accepting any cookies, or to prevent your
browser from accepting any cookies at all. This will however cause
certain features of the web site not to be accessible.
4.4 What about the security of my personal data?
REDISURE have implemented technology, policies and processes aimed
at protecting the confidentiality, integrity and availability of
your personal information. We will update and refine these measures
on an ongoing basis. Please note that REDISURE cannot be responsible
for the privacy policies and practices of other web sites you may
access using links from this website. We recommend that you check
the policy of each site you visit and that you contact that specific
organization if you have any concerns or questions. Please be aware
that Internet communications are inherently insecure unless they
have been encrypted. Your communications may be routed through any
number of countries before reaching our web site. REDISURE therefore
assumes no responsibility or liability of any nature whatsoever for
the interception or loss of personal information beyond our control.
4.5 Will REDISURE disclose any of my personal information?
REDISURE does not distribute any of your personal information to
third parties; unless it's required to deliver the products or
services requested by you. In addition, REDISURE will not sell your
personal information to third parties unless you give us your
specific permission to do so. REDISURE may be obligated to disclose
personal information to meet any legal or regulatory requirements of
applicable laws.
4.6 Amendments to this Security and Privacy
Statement
REDISURE reserves the right to amend or modify this Security and
Privacy statement at any time in response to new privacy
legislation.
4.7 Monitoring or recording of your calls or e-mails or may take
place for business purposes to the extent permitted by law, such as
for example quality control and training for the purposes of
marketing and improving the Services. However, in these situations,
we will not disclose information that could be used to personally
identify you.
5. ELECTRONIC COMMUNICATIONS
All electronic communications, including any attachments thereto
that are transmitted to you by us, shall be on the following terms
and conditions:
5.1 Before any purported agreement that has been negotiated either
wholly or partly by electronic means shall be considered binding on
REDISURE, the following terms and conditions shall apply:
5.1.1 An advanced electronic signature, (as defined in the
Electronic Communications and Transactions Act 25 of 2002), of a
duly authorized member of the Board of Directors of
REDISURE shall be required to be used and attached to any electronic
communication containing any offer and/or acceptance by REDISURE, as
the case may be.
5.1.2 Where REDISURE is acting as the Offeror, the agreement shall
be deemed to have been concluded at the time when and place where
the acceptance of the offer was actually received by the Director so
acting on behalf of REDISURE, and upon such Director expressly and
manually acknowledging receipt of such acceptance.
5.1.3 An electronic communication shall be considered to have been
sent by a Director as aforesaid only if:
5.1.3.1 the Director sent it personally; or
5.1.3.2 it was sent by a person who had the required authority to
act on behalf of the said Director.
5.2 Any opinion or advice contained in electronic communications
shall be subject to the terms and conditions contained in any
governing agreement.
5.3 REDISURE is not responsible for the proper and/or complete
transmission of the information contained in the electronic
communication or of the electronic communication itself nor in any
delay in its receipt.
5.4 Whilst REDISURE does employ virus filtering, it provides no
guarantees or warrantees that the electronic communication is
virus-free.
6. INTELLECTUAL PROPERTY RIGHTS
You acknowledge that we own the intellectual property rights in and
to this website, and all Services contained herein, and that the
unauthorised use thereof is expressly prohibited. The word or mark "REDISURE",
however represented, including stylised representation, all
associated logos and symbols and combinations of any of the
foregoing with another word or mark, used on this site, are the
trademarks of REDISURE, or one of its affiliated companies.
7. PASSWORD
If you have a password you undertake to keep it secure and warrant
that no other person shall use the Services utilising your password,
and you acknowledge further that you are responsible for ensuring
that no unauthorised access to the Services is obtained using your
password, and that you will be liable for all such activities
conducted pursuant to such use, whether authorised or not. You
further undertake to regularly change your password to prevent any
intercepted use of your password.
8. TERMINATION AND VARIATION
We reserve the right to alter, restrict and/or terminate the
Services to you in particular, or to the public in general, without
notice or reason, or to revise these terms and conditions at any
time. Such changes will be posted on this website and be deemed to
have been accepted by you if you continue using the Services. The
obligation therefore is on you to review these terms and conditions
at regular intervals.
9. GENERAL
9.1 These terms and conditions will be governed by and construed in
accordance with the laws of South Africa, and you shall submit to
the jurisdiction of the South African Courts.
9.2 These terms and conditions are severable, in that if any
provision is determined to be illegal or unenforceable by any court
of competent jurisdiction, then such provision shall be deemed to
have been deleted without affecting the remaining provisions of the
terms and conditions.
9.3 Our failure to exercise any particular rights or provision of
these terms and conditions shall not constitute a waiver of such
right or provision, unless acknowledged and agreed to by us in
writing.
9.4 These terms and conditions, as varied by us from time to time,
constitute the sole agreement between you and ourselves.
9.5 These terms and conditions shall be for the benefit of REDISURE
and may be waived by us in our discretion.
10. FAIS COMPLIANCE
10.1 What is FAIS?
FAIS is an abbreviation for the Financial Advisory and Intermediary
Services Act (no.37 of 2002). This legislation was passed on 15
November 2002 and applies to all financial advisory and intermediary
services.
10.2 Why was the Act passed?
South Africa never had a formal system of regulating financial
advisors and intermediary services and hence no recourse for
clients. Therefore the aim of the Act is to regulate the rendering
of certain financial advisory and intermediary services and to
ensure that advice given to a client is properly provided.
10.3 Where can I find details of the Act?
You can either visit www.fsb.co.za,
or view the Act in FAISAct37.pdf
format here.
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