Terms of Use

Introduction
This is the website (or ‘site’) of FinChoice. FinChoice refers to FinChoice a division of HomeChoice (Pty) Limited, an authorised financial services and registered credit provider (NCRCP 454) and FinChoice Africa Ltd, an authorised financial services and registered credit provider (NCRCP 8162).If you have any queries or questions regarding this website, you can contact us via email on info@finchoice.com.The information on this site and its pages has been provided by FinChoice and may offer services and products to users from time to time, subject to the terms and conditions set out herein. These terms and conditions are binding and enforceable against any persons that access the mobi site or any part thereof in terms of Section 11 of the Electronic Communications and Transactions (ECT) Act 25 of 2002.Please read these terms carefully, along with our Privacy Policy, they will govern our relationship with you in relation to your use of finchoice.mobi and will constitute an ongoing binding agreement between FinChoice and yourself.If you do not agree to or accept these terms of use, it is important that you stop using this site as further use will automatically bind you to these terms and conditions.

Acceptance of terms
By accessing the website, you confirm that you have read, understood and agreed to the terms. FinChoice may, at any time, modify any of the terms and any such modifications will supersede and replace any previous terms. The updated terms will be made available on the website. Each time you access the website, you agree to be bound by the terms, as they have changed.If you do not accept these terms of use, it is important that you stop using this site. The terms of use refer to your use of this site and are not related to any commercial agreement between FinChoice and yourself or any third party in accordance with the use of this website.

Website Content
While FinChoice makes every effort to update the information provided on the website on a regular basis, and provide content that is correct, FinChoice makes no representations or guarantees whether direct, implied by law or indirect, as to the accuracy, completeness or reliability of any information, data and/or content on the website.The information, ideas and opinions expressed on this website are of a general nature and should not be regarded as personal or financial advice or guidance. Before making any decision or taking any action based on or in relation to information, ideas or opinions found on this site, which may affect you personally or your business, you should consult an appropriate qualified person for advice in the area in which you need guidance. Your use of this site, and any dispute arising from use or publication of this website, is subject to the laws and exclusive jurisdiction of the courts of South Africa.

Site use and indemnification
By accessing the website, you confirm to FinChoice that you are legally entitled to do so. You confirm that you are legally authorised to subscribe to any of the FinChoice products or services that you have subscribed to. You further confirm that you will not use this website, the products and/or the services or any information made available or sent to you by FinChoice for any purpose that is unlawful or prohibited under South African or International law or is in contravention of the www.finchoice.co.za terms of use. You hereby indemnify FinChoice against any loss, liability, damage or expense of any nature whatsoever which you or any third party may suffer as, a result of or attributable to, whether directly or indirectly as a result of the use of this site or a breach of any of the warranties in these terms. This site is available to you for your non-commercial use. We may query, modify, withdraw, or block your access to this site, or other FinChoice channels as a result of your use of this site, at any time. You may view or print pages for your personal use, but no part of this website may be reproduced or transmitted for any other purposes. This site is intended to provide general information regarding FinChoice, our products and services and other information, which may be of interest to you. It is not intended to provide comprehensive or authoritative information on any subject. The information on this website, including all research, opinions or other content is not intended to, and does not constitute financial, accounting, tax, legal, investment, consulting, lifestyle or other professional advice or service. It remains your responsibility to conduct comprehensive research and consult suitable qualified persons or institutions to assist with making any decisions that may affect your personal or business finances.

Copyright and intellectual property
FinChoice owns all copyrights and intellectual property rights, or is the rightful user, for all materials, texts, drawings and data made available on the website, and is protected by South African and International intellectual property laws. Any unauthorised reproduction, transmission, distribution, sale, publication, copying, broadcast, circulation or exploitation or misrepresentation of these materials or any part thereof will be an infringement of these copyrights and intellectual property rights. Personal use of these materials for the purpose of signing up for or acquiring any FinChoice services are, however, allowed for and will not constitute copyright or intellectual property law infringement. The trademarks, registrations, names, logos and service marks on this site are registered and unregistered FinChoice trademarks. Nothing on this site should be construed as granting any license or right to use any trademark without the prior written permission of FinChoice.

Third party links
From time to time, this site may include links to other sites which may or may not be of assistance to you as user. These links and/or information are provided in order to enhance the quality and/or other featured content and are not intended to signify that FinChoice endorses or otherwise has any responsibility for the content of the linked website or mobi site. FinChoice does not explicitly endorse or approve of any third party or their advice, opinions, information, products or services is expressed or implied by any information on this website. External links may be provided for your convenience, but they are beyond the control of FinChoice and no representation is made as to their content. Use or reliance on any external links provided is at your own risk. When visiting external links, you must refer to the external terms and conditions of use and/or the terms and conditions of the third party.

Contact information
No email addresses, names, telephone numbers, fax numbers or web addresses published on the FinChoice mobi site may be incorporated into any database used for electronic marketing or similar purposes. No permission is given or should be implied that information on the FinChoice site may be used to communicate unsolicited communications to FinChoice and all rights detailed in section 45 of the ECT Act are reserved. From time to time, this site may include contact information for FinChoice associates and/or partners and/or governmental, financial or legislative bodies. This contact information is for the sole purpose of assisting the user, and FinChoice does not guarantee the accuracy of this information, nor do we condone, endorse or explicitly affiliate ourselves with any of the associates, partners or bodies or their views or services.

Permission to link to our site
Nobody may establish a hyperlink, frame, meta-tag or similar reference, whether electronically or otherwise, to this site or any subsidiary pages before receiving FinChoice’s prior written approval, which may be withheld or granted subject to the conditions FinChoice specifies from time to time.

Framing
No person, business or website may frame the FinChoice site or any of the pages on this site in any way whatsoever.

Robots, crawlers and spiders
Barring bona-fide search engine operators, no person, business or website may use any technology to search and/or gain information or copy content from FinChoice’s site without its prior written consent.

Warranties, disclaimers and limitation of liability
Save as set out in these terms, FinChoice makes no warranties, representations, statements or guarantees (whether direct, implied by law or indirect) regarding the site and its services or services implied by the site. FinChoice does not guarantee or represent that the information and services advertised on the website are appropriate for use in any jurisdiction. To the fullest extent possible by law, FinChoice expressly disclaims all (direct or indirect) warranties, including, without limitation, warranties and non-infringement, compatibility, security and accuracy in respect of this website. We do not warrant that the site or any software available for download via the site is free of viruses or harmful codes. Neither FinChoice nor its directors, stakeholders, staff or associates shall be responsible for, and they hereby disclaim all liability for, any loss, liability, damage (whether direct, indirect or consequential) and/or expense of any nature whatsoever which may be suffered by you or any third party, as a result of or which may be attributable, directly or indirectly, to your access and use of the website and/or any information contained on or received via the website, your use of the services and your reliance on any information offered via the website and/or FinChoice services and/or products. Without limiting the generality of the aforementioned, neither FinChoice nor its directors, stakeholders, staff or associates shall be liable for any loss, harm or damage suffered by you as a result of transmitting information to us. Any unsolicited confidential or proprietary information sent to us via the Internet cannot be guaranteed to remain confidential. If you need to send such information to us and are concerned about the security of this information, please contact us and we will advise you of the most appropriate method of transmission. Such advice does not warrant any liability by FinChoice for the safeguarding of your information. This website is made available for public viewing on the basis that FinChoice disclaims, to the extent lawfully permitted, all liability whatsoever for any loss or damage howsoever arising from the use of this site or reliance upon the content of this site. Nothing in this site is intended to be, nor should be construed as, an offer to enter into a contractual relationship with you or anyone else, except for these terms which govern the relationship between us with regards to your use of this site. The advertising of our services via the site merely constitutes an invitation by FinChoice for you to make an application for credit and/or other services offered by FinChoice or our partners/associates. FinChoice reserves the right to accept or deny any application for any reason whatsoever on notice to you. Should FinChoice accept your application for credit or any other service or product, the agreement is governed by the terms and conditions of the application and/or loan agreement itself an not by these terms which specifically relate to the use of this site.

Privacy policy
We respect your privacy and your personal information, whether or not you are an existing customer, past customer or have never been a customer of FinChoice. Please refer to our Privacy Policy also located on our website and mobi site, which governs the way in which we collect and use the personal information provide to us as part of the application process. You give FinChoice permission to collect and use your personal information when you use the site.

Disclosures according to Section 43 of the ECT ACT
Access to the services, content, software and downloads available from finchoice.mobi may be classified as ‘electronic transactions’ as defined in terms of the ECT Act and FinChoice therefore has the duty to disclose the following information:
• The full name and legal status of the mobi site owner:
FinChoice a division of HomeChoice (Pty) Ltd, Reg. No. 1985/002759/07.
• Street address : 78 Main Road Wynberg, 7800
• Postal address: Private Bag X150, Claremont 7735
• Physical address for receipt of legal services: 78 Main Road Wynberg, 7800
• Main business: Financial Services
• The website address of FinChoice: http://www.finchoice.co.za
• The mobi site address of finchoice.mobi: http://www.finchoice.mobi
• The official email addresses of the finchoice.mobi web and mobi sites: info@finchoice.com
• Management: http://www.finchoice.co.za