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Terms and Conditions of Access

Thank you for visiting our website. Before you go any further it is important that you read and understand the terms and conditions under which you'll use the website.

Acceptance

These terms and conditions become effective when you access the website for the first time and constitute a binding agreement between us (Standard Bank Group Ltd and its subsidiaries (“Standard Bank Group”)) and yourself, which will always prevail. The current version of these conditions will govern our respective rights and obligations each time you access this website.  By your use of this website, you certify that you have read and understood the relevant terms and conditions of use and disclaimers applicable to this website, and that you consider yourself bound thereby. You further acknowledge that the uses of this website, together with all its features, are entirely at your own risk. 

Additional terms may be provided with certain sections of this website which shall complement these terms and conditions. If such terms conflict the additional terms governing the certain section will prevail.

Online services

Our online products and services (online services) are subject to registration procedures and approvals, which we may accept or reject at our sole discretion.

These online services are governed by separate terms and conditions (service terms) that are available on the relevant sections of this website where the online services are provided. In the event of conflict between these terms and conditions and the service terms, the provisions of the service terms will apply.

Nature of information on the website

All information on this website is only intended to provide you with general information about us, our products, services and objectives. Nothing on this website constitutes an offer, a solicitation or an offer or a recommendation for the sale or purchase of any investment but merely as an invitation to do business with us.

We may provide information from time to time on:

  • projected revenues, income, earnings per share, capital expenditures, dividends, capital structure or other financial items;
  • the plans, objectives and/or projections of the bank for future operations, including those relating to the services of the bank;
    or
  • future economic performance.

Such projections are only estimates. Actual events or results may differ.

All information is provided "as is" and nothing contained in this website constitutes financial, legal, tax, professional, investment, or any other advice of any kind. No decision should be made solely on the information contained within this website. You should obtain appropriate professional advice before making an investment decision.

Your privacy and security

Our commitment to your privacy and the security of your personal information is outlined in our privacy and security statement.

Amendments to these conditions

We reserve the right to amend these conditions at any time. Unless otherwise stated, the current version shall supersede and replace all previous versions of this privacy and security statement.By accessing this website you are bound to the version of the conditions published here at the time of any visit to this website.You agree to view the current version each time you access the website.

A certificate signed by the administrator responsible for maintaining this website will be prima facie proof of the date of publication and content of the current version and all previous versions of the conditions.

Information feeds

We may use the services of other organisations to provide information on the website. We have no control over this information and make no representations or warranties of any nature as to its accuracy, appropriateness or correctness. You agree that such information is provided "as is" and we will not be directly or indirectly liable for any damages that may arise from your reliance on it.

All quotes, news, market information or data shown on the website by way of live information feeds are delayed by at least 15 minutes unless otherwise stated. You should always select the "refresh" or similar page update function on your Internet browser to ensure that the information you are viewing is the most current.

Linked third party websites

This website and pages thereof may contain links to other websites with information and material produced and controlled by other third parties. While we try to provide links only to reputable websites, we cannot accept responsibility or liability for the contents, material, products, services or information contained within the third parties' websites. A link from our website to any other website does not mean that we have scrutinised or endorsed the owners or administrators of the websites or their business or security practices and operations.We do not recommend any products or services contained within the third party website.

Permission for hyperlinks, deep linking, crawlers and metatags

Nobody may establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise (collectively referred to as linking), to this website or any subsidiary pages before receiving our prior written approval, which may be withheld or granted subject to the conditions we specify from time to time.

An application for linking must be submitted to webmaster@standardbank.co.za. Once received we will do our best to respond and enter into further discussions with you. If you don't get a written response from us within five business days, consider your request as having been rejected.

Breach of these conditions entitles us to take legal action without prior notice to you and you agree to reimburse the costs associated with such legal action to us on an attorney and own client scale.

Our intellectual property

We retain all copyright and other intellectual property rights in all material, including logos and other graphics and multimedia works published on or via the website. Unless otherwise agreed in writing with us no information contained in this website can be incorporated, reproduced, distributed or transmitted except you are authorised to view and download one copy to a local hard drive or disk, print and make copies of such printouts, provided that:

  • the material is used for considering use of the online services and for no other commercial purposes;
  • any reproduction of our proprietary material from this website or portion of it must include our copyright notice in its entirety.

The logos and trademarks shown on this website are our registered and unregistered trademarks or that of third parties. Nothing on this website should be construed as granting any licence or right to use any trademark without our prior written permission and/or that of third parties, as the case may be. You may not, without our prior written permission, use our intellectual property or that of third parties for any other purposes. An application to use our intellectual property must be submitted to webmaster@standardbank.co.za. Upon receiving your application we will do our best to respond and enter into further discussions with you. If you don't get a written response from us within five business days, consider your request as having been rejected.

Irrespective of the existence of copyright, you acknowledge that we are the proprietor of all material on the website, whether it constitutes confidential information or not, and that you have no right, title or interest in any such material.

Software

You are required to use and maintain hardware and software of sufficient quality and performance capability and to use only the latest versions of Microsoft Internet Explorer and Netscape browsers. Your failure to use these browsers may result in a higher security risk and/or cause some or all of the functionality of the website not to operate properly or at all.

Software, if any, made available for download on or via our website is governed by licence conditions that establish a legal relationship with the licensor. You indemnify us against any breach of these licence conditions. We give no warranty and make no representation, whether express or implied, as to the quality or fitness for purpose of the use of such software.

NO WARRANTY, WHETHER EXPRESS OR IMPLIED, IS GIVEN THAT ANY FILES, DOWNLOADS OR APPLICATIONS AVAILABLE VIA THIS 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.

Transmission of information

Information transmitted via an unsecured link over the Internet, including email, is susceptible to potential unlawful access, distortion or monitoring. The measures we have taken to limit these risks are outlined in our privacy and security statement. As we do not have the ability to prevent unlawful activities by unscrupulous persons, you accept that we cannot be held liable for any loss, harm or damage suffered by you as a result. To limit these risks, we may request independent verification of any information transmitted by you via the website or email from time to time.

Termination, suspension and limitation

We may modify, suspend or discontinue the website, whether temporarily or permanently, without notice. We may also impose limits or conditions on the right to certain services, features or functions and we may restrict access to parts of or all of the services on the website.

No warranties or representations

Whilst every care has been taken in preparing these website pages, no guarantee, representation, warranty or undertaking (express or implied) is given and no responsibility or liability is accepted by us as to the accuracy or completeness of the information contained herein on this website and on any associated to this website (inclusive of all forms, attachments and other documents) . We shall not be liable for any functions contained on this site and make no warranties that this site will operate uninterrupted or error free or that any error will be corrected. We furthermore give no warranties that this site is compatible with your computer's hardware or software, or that this site or server, with attributable downloads, etc, is free of errors, viruses, worms or Trojan horses or any other threats to the integrity of your hardware or software, and we shall not be held liable for any damage you may suffer as a result of such threats.

You hereby accept that the use of this site is done entirely at your own risk, and by your acceptance of these conditions of use, you certify that you are satisfied that your current virus, software and computer integrity protection systems are adequate and installed on your computer.

We shall not be responsible for the use of information, accessed via this site, by third parties and site users. We reserve the right to withdraw any information or content contained on this website at any time.

Furthermore we expressly disclaim all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, year 2000-compliance, non-infringement, compatibility, security and accuracy.

DISCLAIMER AND LIMITATION OF LIABILITY

ALTHOUGH WE HAVE TAKEN CARE TO ENSURE THAT THE CONTENT ON THIS WEBSITE IS ACCURATE AND THAT YOU SUFFER NO LOSS OR DAMAGE AS A RESULT OF YOUR USE OF THIS WEBSITE, THIS WEBSITE AND THE ONLINE SERVICES ARE PROVIDED "AS IS".

USE OF THIS WEBSITE AND THE ONLINE SERVICES IS ENTIRELY AT YOUR OWN RISK. YOU ASSUME FULL RESPONSIBILITY FOR THE RISK OR LOSS RESULTING FROM YOUR USE OF THIS WEBSITE AND YOUR RELIANCE ON THE MATERIAL AND INFORMATION CONTAINED ON IT.

SAVE FOR ANY LIABILITIES THAT WE CANNOT RESTRICT BY LAW, WE AND OUR SHAREHOLDERS, AGENTS, CONSULTANTS OR EMPLOYEES ARE NOT LIABLE FOR ANY DAMAGES OR EXPENSES WHATSOEVER RELATING TO YOUR USE OF THIS WEBSITE OR THE ONLINE SERVICES OR THE USE OF LINKED PAGES OR THE INFORMATION CONTAINED ON THIS WEBSITE OR YOUR INABILITY TO USE OR ACCESS THIS WEBSITE OR THE ONLINE SERVICES OR SYSTEM FAILURE OR COMPUTER VIRUS. THIS INCLUDES, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, LOSS OF PROFIT, PUNITIVE DAMAGES OR EXPENSES, WHETHER ARISING OUT OF CONTRACT, STATUTE, DELICT, LAW OR OTHERWISE AND REGARDLESS OF WHETHER WE WERE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE.

WITHOUT DEROGATING FROM THE GENERALITY OF THE ABOVE, WE WILL NOT BE LIABLE FOR:

  • ANY INTERRUPTION, MALFUNCTION, DOWNTIME OR OTHER FAILURE OF THE WEBSITE OR ONLINE SERVICES, OUR SYSTEM, DATABASES OR ANY OF ITS COMPONENTS, FOR WHATEVER REASON;
  • ANY LOSS OR DAMAGE ARISING FROM YOUR ORDERS, INVESTMENT DECISIONS, PURCHASES OR DISPOSAL OF GOODS AND SERVICES, INCLUDING FINANCIAL INSTRUMENT(S) OR CURRENCY, FROM THIRD PARTIES, BASED ON THE INFORMATION PROVIDED ON THIS WEBSITE;
  • ANY LOSS OR DAMAGE WITH REGARD TO CUSTOMER DATA OR OTHER DATA DIRECTLY OR INDIRECTLY CAUSED BY MALFUNCTION OF OUR 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 OR CAUSED BY THE YEAR 2000 COMPUTER PROBLEM;
  • ANY INTERRUPTION, MALFUNCTION, DOWNTIME OR OTHER FAILURE OF GOODS OR SERVICES PROVIDED BY THIRD PARTIES, INCLUDING, WITHOUT LIMITATION, THIRD PARTY SYSTEMS SUCH AS THE PUBLIC SWITCHED TELECOMMUNICATION SERVICE PROVIDERS (CURRENTLY TELKOM), INTERNET SERVICE PROVIDERS, ELECTRICITY SUPPLIERS (CURRENTLY ESKOM), LOCAL AUTHORITIES AND CERTIFICATION AUTHORITIES;
  • ANY EVENT OVER WHICH WE HAVE NO DIRECT CONTROL.

Material Interest

Members of Standard Bank Group may have or had a long or short position in the investments mentioned in these website pages or related investments, and may add to or dispose of such investments and may perform or seek to perform advisory or banking services in relation thereto.

How disputes will be resolved

Subject to the relevant service terms, all disputes arising as a result of your use of the website or on the interpretation of these conditions or on any matter which in terms of the conditions requires agreement by the parties, (other than where an interdict is sought or urgent relief may be obtained from a court of competent jurisdiction), will be submitted to and decided by arbitration.

That arbitration will be held with only the parties and their representatives present at the offices of the Arbitration Foundation of Southern Africa, Sandton, Gauteng, South Africa. The arbitration will be governed by the rules of the Arbitration Foundation in terms of South African law and will be heard by an arbitrator or arbitrators appointed by the foundation.

Either party will be entitled to have the award made an order of court of competent jurisdiction. The parties will keep the evidence in the arbitration proceedings and any order made by any arbitrator confidential unless otherwise contemplated. The arbitrator will have the power to give default judgement if any party fails to make submissions on due date and/or fails to appear at the arbitration.
The relevant legislation that regulates the contents, information, intellectual property, labour relations and any other applicable features of this site is regulated by the laws of the Country where the relevant position is being offered. In the event that no position had been selected as yet, the laws of the Republic of South Africa shall govern this site.

Capacity to enter into agreements

You hereby warrant to us that you have the required legal capacity to enter into and be bound by contractual terms. Minors must be assisted by their legal guardians when reading these conditions. If you are unsure whether you have the legal capacity to enter into agreements, contact someone able to provide you with this information before you continue using this website.

Certificate

A certificate signed by us will constitute prima facie proof of the operation or functionality of the online services or any part thereof and the contents of any information displayed on the website on a given date.

Our address for notices and service of legal process

Our chosen address for any legal notice is: |
Director, Group Legal
Group Legal Division
Standard Bank Centre
9th Floor
5 Simmonds Street
Johannesburg
South Africa

The law governing our relationship

The conditions will be governed and construed in accordance with the law of the Republic of South Africa without reference to any conflict of law provisions.

General provisions

The headings of the clauses in these terms and conditions are provided for convenience and ease of reference only and will not be used to interpret, modify or amplify the terms or conditions.

Where any dates or times need to be calculated in these terms and conditions, the international standard time, GMT plus two hours, shall be used.

No failure or delay by us to exercise any of our rights will be construed as a waiver of any such right, whether this is done expressly or implied, nor will it affect the validity of any part of these terms and conditions or prejudice our right to take subsequent action or any other remedy against you.

No condonation or waiver of any breach of these conditions shall constitute a condonation or waiver of any other similar breach.

Each provision of these terms and conditions is severable. If any of these terms and conditions become invalid, unlawful or unenforceable; the term or condition shall be without effect and the remaining terms and conditions will not be effected and shall remain in force.

Any right of recourse or remedies available to us under these conditions due to any action resulting from the direct or indirect use of this website, are cumulative and are not exclusive of any other rights or remedies provided by other applicable laws or contract.

If you have any questions or do not understand anything in these conditions please send an email to webmaster@standardbank.co.za and we will respond to you as soon as possible.