Terms and conditions

Welcome to our Website. If you continue to browse and use this Website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy governs the relationship between Debthelper (Pty) Ltd and yourself. If you disagree with any part of these terms and conditions, please do not use our Website. It is the responsibility of the user to read the sections below and to ensure that they fully understand the conditions, and by no means will Debthelper or any representative of Debthelper be held accountable for failure by a user to do so. If you have queries or you are unsure of the content, please feel free to contact us before you commence any activity on the Website. Also note that accessing each product adds further unique terms and conditions that impacts your relationship with Debthelper.

Terms of Use

Definitions and Interpretation.

For purposes of the Terms: "Terms" means these terms, consisting of: 1. these terms of use; and 2. any other relevant specific terms, policies, disclaimers, rules, and notices agreed between the parties, (including any that may be applicable to a specific section or module of this Website); “Debthelper” means Debthelper (Pty) Ltd with Reg No. 2019/519102/07; “Visitor” or “you” means any person who visits this Website. Interpretation. A word defined or assigned a meaning in the Terms will start with a capital letter. All headings are inserted for reference purposes only and must not affect the interpretation of the Terms. Whenever “including” or “include”, or “excluding” or “exclude”, together with specific examples or items follow a term, they will not limit its ambit. Terms other than those defined within the Terms will be given their plain English meaning. References to any enactment will be deemed to include references to the enactment as re-enacted, amended, or extended from time to time. A reference to a person includes a natural and juristic person and a reference to either party includes the party’s successors or permitted assigns. Unless otherwise stated in the Terms, when any number of days is prescribed in the Terms the first day will be excluded and the last day included. The rule of construction that an agreement must be interpreted against the party responsible for its drafting or preparation does not apply. Central African Time or GMT +2 will be used to calculate any times. Conflict. If there is a conflict of meaning between these terms of use and any other relevant specific terms, policies, disclaimers, rules, and notices agreed between the parties, the specific terms will prevail in respect of your use of the relevant section or module of the Website.

About Debthelper.

This Website is owned, managed, and administered by Debthelper. Debthelper is situated at The Wedge, 43 Garsfontein Road, Waterkloof, Pretoria, 0045, and is a business that specializes in extending credit through virtual means such as the Internet. Debthelper is fully compliant with the credit legislative requirements of South Africa and promotes responsible lending. Debthelper also strives to provide superior administration and management of client accounts. Use of the Website and License to use this Website. Debthelper grants each Visitor a limited, revocable license to use this Website subject to the Terms. Any person wishing to use this Website contrary to the Terms must obtain the prior written consent of Debthelper. The information offered on this Website is for the Visitor’s guidance only. The information offered is for quotation purposes only and is subject to change. Debthelper has taken every care to ensure that the information provided on this Website is reliable by using sources we believe to be accurate. However, the accuracy of the information (including rates, fees, and charges),cannot be guaranteed. Sufficient particulars. In order for Debthelper to provide a Visitor with appropriate advice and / or quotations on products, it is important that a Visitor provides Debthelper with sufficient particulars of their financial affairs. Failure to make a full disclosure could result in Debthelper’s advice being compromised and may result in a Visitor thus making a financial commitment to a product inappropriate to their needs and objectives. Framing. No person, business, or web site may frame this Website or any of the pages on this Website. Linking. Visitor(s) may link to the Website only by linking to the home page of this Website. Debthelper prohibits Visitor from “deep linking” to any other pages in a manner that would incorrectly suggest endorsement or support of Visitor by Debthelper or suggests a Visitor is the owner of any intellectual property belonging to Debthelper. Spiders and Crawlers. No person, business, web site or Website may use any technology (including spiders or crawlers) to search and gain any information from this Website.

Modify.

Debthelper may modify, suspend, or discontinue the provisioning of this Website to the public (with or without notice) and will not be liable for any claims. Furthermore, Debthelper also reserves the right to modify the terms and conditions that govern the relationship with users (with or without notice) and will not be liable for any claims that result in terms of such a change. Capacity of Customer. Each Visitor represents and warrants that Visitor : 1. is old enough under applicable law to enter into the Terms; 2. possesses the legal right, full power, and authority to enter into the Terms; 3. will submit true, accurate and correct information to Debthelper and this Website. If Visitor is younger than 18 years of age, the visitor warrants that the Visitor has the consent of its legal guardian to enter into the Terms or that the Visitor has obtained legal status in another manner.

Capacity of Customer.

Each Visitor represents and warrants that Visitor : 1. is old enough under applicable law to enter into the Terms; 2. possesses the legal right, full power, and authority to enter into the Terms; 3. will submit true, accurate and correct information to Debthelper and this Website. If Visitor is younger than 18 years of age, the visitor warrants that the Visitor has the consent of its legal guardian to enter into the Terms or that the Visitor has obtained legal status in another manner.

Cookie Policy

Cookies.

A cookie is a small computer file or piece of information that may be stored in your computer's hard drive when you visit our platforms. We may use cookies to improve our platform's functionality and, in some cases, to provide visitors with a customized online experience.

Cookies are widely used, and most web browsers are configured initially to accept cookies automatically. You may change your Internet browser settings to prevent your computer from accepting cookies or to notify you when you receive a cookie so that you may decline its acceptance. Please note, however, if you disable cookies, you may not experience optimal performance of our Website.

Terms of Use

All financial amounts on this Website are in South African Rand (ZAR)

Introduction.

This Website is operated by Debthelper. The terms "we", "us", and "our" refer to Debthelper. The use of our Website is subject to the following terms and conditions of use, as amended from time to time (the "Terms"). The Terms are to be read together by you with any terms, conditions or disclaimers provided in the pages of our Website. Please review the Terms carefully. The Terms apply to all users of our Website, including without limitation, users who are browsers, customers, merchants, vendors and/or contributors of content. If you access and use this Website, you accept and agree to be bound by and comply with the Terms and our Privacy Policy. If you do not agree to the Terms or our Privacy Policy, you are not authorized to access our Website, use any of our Website's services or place an order on our Website.

Use of our Website.

You agree to use our Website for legitimate purposes and not for any illegal or unauthorized purpose. including without limitation, in violation of any intellectual property or privacy law. By agreeing to the Terms, you represent and warrant that you are at least the age of majority in your state or province of residence and are legally capable of entering into a binding contract. You agree to not use our Website to conduct any activity that would constitute a civil or criminal offence or violate any law. You agree not to attempt to interfere with our Website's network or security features or to gain unauthorized access to our systems. You agree to provide us with accurate personal information, such as your email address, mailing address and other contact details in order to complete your order or contact you as needed. You agree to promptly update your account and information. You authorize us to collect and use this information to contact you in accordance with our Privacy Policy.

General Conditions.

We reserve the right to refuse service to anyone, at any time, for any reason. We reserve the right to make any modifications to the Website, including terminating, changing, suspending, or discontinuing any aspect of the Website at any time, without notice. We may impose additional rules or limits on the use of our Website. You agree to review the Terms regularly and your continued access or use of our Website will mean that you agree to any changes. You agree that we will not be liable to you or any third party for any modification, suspension, or discontinuance of our Website or for any service, content, feature, or product offered through our Website.

Links to Third-Party Websites.

Links from or to Websites outside our Website are meant for convenience only. We do not review, endorse, approve, or control, and are not responsible for any Sites linked from or to our Website, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your sole risk and we will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

Use Comments, Feedback, and Other Submissions.

You acknowledge that you are responsible for the information, profiles, opinions, messages, comments, and any other content (collectively, the "Content") that you post, distribute, or share on or through our Website or services available in connection with our Website. You further acknowledge that you have full responsibility for the Content, including but limited to, with respect to its legality, and its trademark, copyright, and other intellectual property ownership. You agree that any Content submitted by you in response to a request by us for a specific submission may be edited, adapted, modified, recreated, published, or distributed by us. You further agree that we are under no obligation to maintain any Content in confidence, to pay compensation for any Content or to respond to any Content. You agree that you will not post, distribute, or share any Content on our Website that is protected by copyright, trademark, patent, or any other proprietary right without the express consent of the owner of such proprietary right. You further agree that your Content will not be unlawful, abusive, or obscene nor will it contain any malware or computer virus that could affect our Website's operations. You will be solely liable for any Content that you make and its accuracy. We have no responsibility and assume no liability for any Content posted by you or any third-party. We reserve the right to terminate your ability to post on our Website and to remove and/or delete any Content that we deem objectionable. You consent to such removal and/or deletion and waive any claim against us for the removal and/or deletion of your Content.

Your Personal Information.

Please see our Privacy Policy to learn about how we collect, use, and share your personal information.

Errors and Omissions.

Please note that our Website may contain typographical errors or inaccuracies and may not be complete or current. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time, without prior notice (including after an order has been submitted). Such errors, inaccuracies or omissions may relate to product description, pricing, promotion and availability and we reserve the right to cancel or refuse any order placed based on incorrect pricing or availability information, to the extent permitted by applicable law. We do not undertake to update, modify, or clarify information on our Website, except as required by law.

Disclaimer and Limitation of Liability.

You assume all responsibility and risk with respect to your use of our Website, which is provided "as is" without warranties, representations or conditions of any kind, either express or implied, with regard to information accessed from or via our Website, including without limitation, all content and materials, and functions and services provided on our Website, all of which are provided without warranty of any kind, including but not limited to warranties concerning the availability, accuracy, completeness or usefulness of content or information, uninterrupted access, and any warranties of title, non-infringement, merchantability or fitness for a particular purpose. We do not warrant that our Website or its functioning or the content and material of the services made available thereby will be timely, secure, uninterrupted, or error-free, that defects will be corrected, or that our Websites or the servers that make our Website available are free of viruses or other harmful components. The use of our Website is at your sole risk and you assume full responsibility for any costs associated with your use of our Website. We will not be liable for any damages of any kind related to the use of our Website. In no event will we, or our affiliates, our or their respective content or service providers, or any of our or their respective directors, officers, agents, contractors, suppliers or employees be liable to you for any direct, indirect, special, incidental, consequential, exemplary or punitive damages, losses or causes of action, or lost revenue, lost profits, lost business or sales, or any other type of damage, whether based in contract or tort (including negligence), strict liability or otherwise, arising from your use of, or the inability to use, or the performance of, our Website or the content or material or functionality through our Website, even if we are advised of the possibility of such damages. Certain jurisdictions do not allow limitation of liability or the exclusion or limitation of certain damages. In such jurisdictions, some or all of the above disclaimers, exclusions, or limitations, may not apply to you and our liability will be limited to the maximum permitted by law.

Indemnification.

You agree to defend and indemnify us, and hold us and our affiliates harmless, and our and their respective directors, officers, agents, contractors, and employees against any losses, liabilities, claims, expenses (including legal fees) in any way arising from, related to or in connection with your use of our Website, your violation of the Terms, or the posting or transmission of any materials on or through the Website by you, including but not limited to, any third party claim that any information or materials provided by you infringe upon any third party proprietary rights.

Entire Agreement.

The Terms and any documents expressly referred to in them represent the entire agreement between you and us in relation to the subject matter of the Terms and supersede any prior agreement, understanding or arrangement between you and us, whether oral or in writing. Both you and we acknowledge that, in entering into these Terms, neither you nor we have relied on any representation, undertaking or promise given by the other or implied from anything said or written between you and us prior to such Terms, except as expressly stated in the Terms.

Waiver.

Our failure to exercise or enforce any right or provision of the Terms will not constitute a waiver of such right or provision. A waiver by us of any default will not constitute a waiver of any subsequent default. No waiver by us is effective unless it is communicated to you in writing.

Headings.

Any headings and titles herein are for convenience only.

Severability.

If any of the provisions of the Terms are determined by any competent authority to be invalid, unlawful, or unenforceable, such provision will to that extent be severed from the remaining Terms, which will continue to be valid and enforceable to the fullest extent permitted by law.

Governing Law.

Any disputes arising out of or relating to the Terms, the Privacy Policy, use of our Website, or our products or service offered on our Website will be resolved in accordance with the laws of RSA without regard to its conflict of law rules. Any disputes, actions or proceedings relating to the Terms or your access to or use of our Website must be brought before the courts of the RSA, and you irrevocably consent to the exclusive jurisdiction and venue of such courts. Questions or Concerns. Please send questions, comments, and feedback to us at info@debthelper.co.za