cob@finrescue.co.za
 083 454 2491

Terms & Conditions


Website Terms and Conditions of Use Relating to the website provided by Fin Rescue (Registration Number: 2021/144794/07) (“the Provider”), as well as its website located at the following URL https://finrescue.co.za/ (“the Website”). These Terms and Conditions (“the Terms and Conditions”) govern your (“the User”) use of the Provider’s Website, the Services and/or Products associated therewith. By accessing and using, and in particular indicating your acceptance of the terms by clicking on the “I accept these terms” button as provided for on the Website, the User agrees to be bound by the Terms and Conditions set out in this document. The content of this Website is proprietary to the Provider and / or otherwise utilized in terms of a written license agreement entered into between the Provider and the proprietor of such content. As such, the User may not access, display, use, download, and/or otherwise copy or distribute content obtained on the Website for any purposes other than as provided for in these Terms and Conditions without the prior consent of the Provider. In terms of section 49 of the Consumer Protection Act, 2008, should it be applicable, your attention is drawn to the provisions of the clauses highlighted in bold:

  • limit in any way the risk or liability of the Provider or any other person;
  • constitute an assumption of risk or liability by the User;
  • impose an obligation on the User to indemnify the Provider or any other person for any cause; or
  • constitute an acknowledgement of any fact by the User.


CONTRACTUAL CAPACITY TO ACT

The User warrants that he / she is at least 18 (eighteen) years of age and has the necessary contractual and mental capacity to enter into and be bound by these Terms and Conditions. Where the User acts on behalf of a juristic person, the User agrees to bind himself / herself as surety and co-principal debtor with such juristic person for the due performance of the juristic person’s obligations in terms of these Terms and Conditions. Notwithstanding a foregoing, the User (where he/she acts on behalf of a juristic person) warrants that he / she has the necessary authority and capacity to enter and bind the juristic person to these Terms and Conditions.

ELECTRONIC COMMUNICATIONS

By using this Website or communicating with the Provider by electronic means, the User consents and acknowledges that any and all agreements, notices, disclosures, or any other communication shall have been adequately addressed to the User upon transmission by e-mail to the e-mail address provided by the User and it constitutes proper notice to the User.

PRODUCTS PROVIDED & E-COMMERCE

The Website offers various Products and/or Services, including, but without limitation, the provision of access to consumer information and information pertaining to the Provider’s Products (“the Services”). The Provider also affords the User an opportunity to purchase debt counselling services (“the Products”). The use of any Products and/or Services bought or subscribed for through the use of the Website, is at the User’s own risk. If a User uses the Website and the portals created specifically for customers (“the Online Portal(s)”), the User is obliged to keep his/her access details to the Online Portal(s) (including, his/her username and password) confidential and not allow other people to use it. The User also accepts full responsibility for all activities that occur under their unique access details or password and accept responsibility for sharing his/her username and password. The User is only permitted to use one account in respect of the Online Portal(s). If the User uses more than one account, the Provider reserves the right to revoke all access to the Website and the Online Portal(s). Once a User has logged onto the Website and/or the Online Portal(s), certain information, functionalities and other features of the Website and Online Portal(s) will be accessible to the User the next time the User visits the Websites and/or Online Portal(s), without having to re-enter their password. If the User prefers to enter their password every time, they access the Website or Online Portal(s), such change can be made via the settings and functionality available on the Website or the Online Portal(s). The User expressly acknowledges and agrees that the following actions shall be material breaches of these Terms and Conditions:

  • signing in as, or pretending to be, another person;
  • transmitting material that violates, or could violate, the intellectual property rights of others or the privacy of others;
  • using the Services and/or Products in a way that is intended to harm, or could result in harm, to the User or to other users of the Website; or
  • gathering information and specifically Personal Information about others without obtaining their prior written consent.
The User also expressly agrees that any use of his/her access details shall be regarded by the Provider as if the User were the person using such information in all instances. The User may change his/her username and password at any time, although the Provider may determine certain requirements that the User will need to meet when choosing a username or password. These requirements may be changed from time to time and the User may be required to update his/her credentials following such changes.

PERSONAL INFORMATION

The User shall make available and consents to the processing of the following personal information by the Provider:
  • e-mail address;
  • name and surname;
  • name of company/organization;
  • registration number;
  • identity number;
  • physical address;
  • IP address;
  • financial information (bank account particulars);
  • telephone number; and
  • opinions and preferences.
(“the Personal Information”) The User agrees that the Provider may process the User’s Personal Information for all purposes that relate to the Website and the Services offered through the Website. In order to do so, the User acknowledges that the Provider is required to find out exactly what the User needs or wants. The User does have the right to object to the processing of their Personal Information and it is voluntary to accept these Terms and Conditions. However, the Provider does require the User’s acceptance to enable the User to use the Website, and to provide the Services, which may include making available access to the Online Portal(s). Personal Information will be processed by the Provider, pursuant to and for the purposes as set forth in the Provider’s Privacy Policy, which may include, but not be limited to the following purposes:
  • verifying the identity of the User;
  • transmitting and receiving necessary correspondence to the User in relation to the Services or the Products or Services accessed, used or purchased by the User through, or by means of the Website;
  • facilitating delivery of the Services or the Products or services accessed, used or purchased by, or subscribed to by, the User through, or by means of the Website;
  • generally rendering the Services;
  • processing payments, refunds and the like in respect of any of the Services or the Products or services accessed, used or purchased by the User through, or by means of the Website;
  • transmitting marketing material to the User in respect of the Services and/or Products made available by the Provider or any third party;
  • to monitor and analyze the User’s conduct in respect of the Services and/or Products;
  • for compliance and risk purposes;
  • to analyze the Personal Information collected for research and statistical purposes and once such Personal Information is analyzed to send the User marketing and promotional material which the Provider believes may, based on the Provider’s processing of the User’s Personal Information, be relevant to the User and enhance the User’s use of the Services and/or Products provided on, though, or by means of the Website;
  • to transfer the User’s Personal Information to any relevant third party, such as any company associated with or affiliated to the Provider, as well as any third-party service provider such as the provider of the Online Portal(s) licensed by the Provider;
  • to conduct market research, as well as academic research in respect of the Personal Information in order to identify potential markets and trends, to develop new products and services and to improve the nature of the Services and/or Products being provided to the User by the Provider;
  • to aggregate and/or de-identify the User’s Personal Information after analyzing it for statistical purposes and/or conducting market and academic research in respect thereof, as aforesaid, and transferring or on-selling such de-identified Personal Information to third parties for commercial or non-commercial means.
The User’s Personal Information shall be retained in the strictest confidence by the Provider and will only be processed in accordance with the Provider’s Privacy Policy to which these Terms and Conditions relate, which Privacy Policy can be sourced at https://finrescue.co.za/. The User expressly agrees and acknowledges that any failure by the User to submit the requisite Personal Information may render the Provider unable to deliver the Services and/or Products and should this arise, the User hereby indemnifies and holds the Provider harmless against any loss or damage which the User may suffer as a result of the Provider’s inability to render or deliver the Services and/or Products. The User acknowledges that through the use of the Website or the Services and/or Products, which may include completing online application forms or contacting the Provider electronically, the Provider will in effect be processing the User’s Personal Information. The User acknowledges that he/she understands that (where applicable) when the User includes the Personal Information of any third party, including but not limited to spouses, and/or dependents on the Website, the Provider will process such Personal Information in line with not only these Terms and Conditions, but the provisions of the Provider’s Privacy Policy sourced at https://finrescue.co.za/privacy-policy/. In such an event contemplated above, the User warrants that they have the required consent to furnish the Provider with such Personal Information.

SECURITY SAFEGUARDS

The Provider shall take appropriate, reasonable technical and organizational measures to secure the integrity and confidentiality of the Personal Information in its possession, in order to guard against:
  • loss of, damage to or unauthorized destruction of Personal Information; and
  • unlawful access to or processing of Personal Information.
The Provider shall not however be held responsible and the User agrees to indemnify and hold harmless the Provider for any security breaches occurring on the User’s electronic device (personal computer or other electronic device used to browse the Website or access the Services and/or Products), which may arise as a result (without limitation) of the lack of adequate virus protection software or spyware that the User may inadvertently have installed on his/her device. The Provider undertakes to process any of the User’s Personal Information in accordance with the provisions of the Provider’s Privacy Policy to which these Terms and Conditions relate, which Privacy Policy can be sourced at https://finrescue.co.za/privacy-policy/.

THIRD PARTY PRODUCTS AND SERVICES

At the Provider’s discretion, it may include references to or facilitate access to products offered or services rendered by third parties and provide links to the sites or web-applications of third parties. These third-party service providers and their sites or web-applications (whichever may be applicable) have separate and independent terms and conditions and privacy policies applicable to their products, services and respective sites or web-applications. The Provider shall bear no responsibility or liability for the products offered or services rendered by such third parties or the content and services provided through or by means of their respective websites and/or web-based applications, regardless of whether such site or web-application bears the Providers corporate branding or not. In supplementation of the provisions above, the User expressly acknowledges that the web-applications comprising of the Online Portal(s) are provided by third party service providers and shall be used subject to separate and independent terms and conditions and privacy policies. The Provider makes no warranties or representations whatsoever regarding the products offered or services rendered by any third party or the content or activities of such third-party websites or web-applications, which may be accessed or used through or by means of the Provider’s Website and/or its associated Services. The User acknowledges that the Provider merely facilitates the User’s access to such third party’s products, services, website and/or web-application(s) and does not itself offer the products or render the services of such third party to the User. The User acknowledges that neither the Provider, nor its directors, prescribed officers, board of trustees, agents or assigns, shall be held responsible for any direct or indirect special, consequential or other damage of any kind whatsoever suffered or incurred, related to the use of, or the inability to access or use the content of or the website of a third party, as well as any functionality of said website and the products offered or services rendered through or by means of said website, or of any linked website, even if Provider is expressly advised thereof. These third-party websites and advertisers, or internet advertising companies working on their behalf, sometimes use technology to send (or 'serve') the advertisements that appear on the Website directly to the User’s browser. They automatically receive the User’s IP address when this happens. They may also use cookies, JavaScript, web beacons (also known as action tags or single-pixel gifs), and other technologies to measure the effectiveness of their ads and to personalize advertising content to Users. The Provider does not have access to or control over cookies or other features that such third parties may use, and the information practices of these advertisers and third-party websites are not covered by these Terms and Conditions. Please contact them directly for more information about their privacy practices. THE USE OF THE WEBSITE BY AN AGENT OF THE USER By accessing and making use of the Website in the capacity as an agent of the User, such User acknowledges and agrees that he/she may gain access to the Personal Information of third parties (clients, employees etc.). In respect of a situation contemplated in clause 8.1 above, such User acknowledges and agrees to only process the Personal Information in accordance with the Provider’s Privacy Policy, as if the provisions of such Privacy Policy are expressly incorporated herein, which Privacy Policy can be sourced at https://finrescue.co.za/privacy-policy/.

UPDATING OF THESE TERMS AND CONDITIONS

The Provider reserves the rights to change, modify, add or remove from portions or the whole of these Terms and Conditions from time to time. Changes to these Terms and Conditions will become effective upon such changes being posted to this Website. It is the User’s obligation to periodically check these Terms and Conditions on the Website for changes or updates. The User’s continued use of this Website following the posting of changes or updates will be considered notice of the User’s acceptance to abide by and be bound by these Terms and Conditions, including such changes or updates.

LIMITATION OF LIABILITY

The User expressly acknowledges and agrees that the applicable laws governing the Provider shall at all times be applicable to the Services. The Website and all content on the Website, including any current or future offer of products or services, are provided on an “as is” basis, and may include inaccuracies or typographical errors. The Provider makes no warranty or representation as to the availability, accuracy or completeness of the content. Neither the Provider, its affiliates, its directors, members, prescribed officers, agents or assigns, shall be held responsible for any direct or indirect special, consequential or other damage of any kind whatsoever suffered or incurred, related to the use of, or the inability to access or use the content or the Website or any functionality thereof, or of any linked website, even if Provider is expressly advised thereof. Neither the User or any other person shall have any claim against the Provider for any direct, consequential, incidental, indirect or special loss or damages, including, without limitation, business interruption, loss of business information, loss of data or other pecuniary loss, arising from the unavailability of the Services, regardless of whether such claim is based on breach of contract, delict, breach of implied warranties or otherwise and even if the possibility of such loss or damages could have been foreseen or if the Provider was negligent. The Provider therefore does not guarantee that (i) the Website; (ii) the information, content, tools or materials included on the Website; (iii) the Provider’s servers; or (iv) that any electronic communications sent by the Provider will be free from viruses or other harmful components. The Provider will not be liable for any damages of any kind arising from your use of the Website, the Services and/or Products or from any information, content, tools or materials included on or otherwise made available to the User through the Website, including for direct, incidental, punitive and/or consequential damages. Although the Provider is committed to providing Users with the best possible Service, the Provider shall not be responsible for:
  • any of the events described in this clause 10;
  • any actions or omissions by the User that result in a breach of the provisions of these Terms and Conditions;
  • any links to other websites or web-applications from the Website. The User also acknowledges that the Provider cannot control the content of or the products offered on any third-party websites and/or web-applications;
  • a denial of access to the Website or the Services, should the Provider believe or have reason to believe that the User is conducting activities that are illegal, abusive, would attack the integrity of the Website or put the Provider in disrepute; or
  • the User’s reliance on any of the Services, information, content, tools or materials that the User obtains or gains access to from the Website.


CASUAL SURFING

The User may visit the Website without providing any personal information. The Website servers will in such instances collect the IP address of the User’s computer or other electronic device, but not the e-mail address or any other distinguishing information. This information is aggregated to measure the number of visits, average time spent on the Website, pages viewed, etc. The Provider uses this information to determine use of the Website, and to improve content thereon. The Provider assumes no obligation to protect this information and may process such information without limitation.

GOVERNING LAW

The Website is controlled, operated and administered by the Provider within the Republic of South Africa. Access to the Website from territories or countries where the use of the Services provided through the Website is illegal, is prohibited. The User may not use the Website in violation of South African export laws and regulations. If the User accesses this Website from locations outside of South Africa, that User is responsible for compliance with all local laws. These Terms and Conditions shall be governed by the laws of the Republic of South Africa, and the User consents to the jurisdiction of the any High Court with jurisdiction for purposes of resolving any dispute in connection with the use of this Website. 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. These Terms and Conditions constitute the entire agreement between the Provider and the User with regard to the use of the Services, information, content, tools and, or materials made available to the User through the Website.

USE OF THE WEBSITE, THE SERVICES & PRODUCTS

The User agrees not to:
  • use the Website, the Services and/or Products to process Personal Information of third parties;
  • violate the privacy of any person in order to, or attempt to, gain unauthorized access to the Website, the Services and/or Products, including, but without limitation through hacking, password mining or any other means; or
  • use the Website or the Services to engage in any illegal or unlawful activity.
Should the User engage in any of the aforementioned activities, or breach any of the provisions of these Terms and Conditions, the Provider shall be entitled, without prejudice to any other rights it may have and without prior notice to the User:
  • suspend the User’s access to the Website, the Services and/or Products; and/or
  • terminate this agreement and recover all costs incurred by the Provider, including, but without limitation, legal costs on an attorney and own client basis.


USE OF GOOGLE ADWORDS

This Website uses the Google Ads remarketing and customer match services to exclude advertising on third party websites (including Google) to previous site visitors or site users. It could mean that the Provider excludes advertisements to Users who have previously visited the Website, and this could be in the form of excluding an advertisement on the Google search results page, or a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve or exclude ads based on a User’s past visits to this Website. Any Personal Information collected will be used in accordance with the Provider’s Privacy Policy and Google's privacy policy. It could also mean that the Provider excludes advertisements to Users who have previously submitted an application and that have submitted their email address to the Provider for the purpose of obtaining or using the products and/or services offered on or through the Website. Google Ads remarketing will allow the Provider to not display ads to Users based on what parts of the Website they have viewed by placing a cookie on the User’s devices or not display ads if the User logged in to any google services by using their email address to exclude advertisements to the User using the Google Ads customer match service. This cookie does not in any way identify the User or give access to the User’s computer. Google Ads Remarketing allows the Provider to tailor our marketing to better suit the needs of our Users and only display ads that are relevant to our Users. As always we respect the privacy of Users and are not collecting any identifiable information through the use of Google's or any other third party remarketing system. In addition to using cookies and related technologies as described above, the Provider also may permit certain third-party companies to help us tailor advertising that we think may be of interest to Users and to collect and use other data about user activities on our Website. These companies may deliver ads that might also place cookies and otherwise track User behavior. The User can set preferences for how Google advertises to you using the Google Ad Preferences page, and if you want to you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.

COOKIES

When providing the Services, the Provider seeks to make the User’s access to such Services easy, useful and reliable. This sometimes involves placing small amounts of information on the User’s device. These are called “cookies”. These cookies cannot be used to identify the User personally and are used to improve services for the User. The Provider’s Website uses cookies that are essential in order to enable the User to move around the Website and use its features when accessing the Services. Without these cookies, the Provider would be unable to provide the Services. The Provider also uses Google Analytics cookies to collect information about how Users use the Website and to help the Provider ensure it is tailored to the User’s needs and interests. These cookies only collect information in an anonymous form, including the number of website visitors and the pages visited. No personal information is collected or stored by the Provider. To opt out of being tracked by Google Analytics across the Website go to: https://tools.google.com/dlpage/gaoptout. To opt out of targeted advertising by Facebook go to: https://www.facebook.com/settings/?tab=ads. During the course of any visit to the Website, the pages the User sees, along with a cookie, are downloaded to the User’s device. Any information that is supplied by cookies can help the Provider to provide the User with a better service and assists the Provider in analyzing the profile(s) of Users. Most web browsers automatically accept cookies, but normally you can alter your browser settings to prevent automatic acceptance, if you prefer. If you opt not to receive the Provider’s cookies, the Provider cannot guarantee that your experience in respect of the Website will be as quick or responsive as what it would be if the User receives cookies. The Provider does not store passwords or any other information about a User in a cookie that could identify them, their location, their preferences or their financial activity. Details of the types of cookies used by the Provider is contained in the Provider’s Privacy Policy sourced at https://finrescue.co.za/privacy-policy/. Users can use their web browser to control their cookie settings.

COPYRIGHT

All content made available on the Website (for example, text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and where applicable software) belongs to the Provider, or is alternatively used pursuant to a licensing agreement concluded between the Provider and the third-party proprietor of such content. Any unauthorized use, alteration or dissemination of the information or content published on the Website is strictly prohibited. The User expressly acknowledges that no content or information displayed on the Website may be regarded or construed as granting any license or right to any third party, including the User, to use any trademark without the Provider’s prior written consent and approval. Although the Provider has deployed reasonable technical and organizational measures to protect the information on the Website from time to time, the User acknowledges that the Provider cannot be held responsible for any consequences that may result from the unlawful breach of copyright or unlawful dissemination of information by third parties copying information off of the Website.

COMPLIANCE WITH SECTION 43 OF THE ELECTRONIC COMMUNICATIONS AND TRANSACTIONS ACT, 2002

In compliance with section 43 of the Electronic Communications and Transactions Act, 2002, the Provider draws your attention to the following information relating to it: Full name and legal status: Fin Rescue (Pty) Ltd 978 Veda Road, Shop 1, Montana Park Extension 72 Pretoria, 0182 Tel: 083 454 2491 Website address and e-mail address: https://finrescue.co.za/ E-mail: cob@finrescue.co.za The registration number, the names of its office bearers and its place of registration: Registration Number: 2021/144794/07 The physical address where the Provider will receive legal service of documents: 978 Veda Road, Shop 1, Montana Park Extension 72 Pretoria, 0182 A sufficient description of the main characteristics of the Services and/or Products offered by the Provider: The Provider is a company registered in terms of the company laws of the Republic of South Africa and conducts the business of a debt counsellor.