Conditions of access
Thank you for visiting our website. Before you go further, you
must read, understand and agree to the Terms for using the
website.
These Terms apply when you visit the website for the first time
and are a binding agreement between us (The Standard Bank of South
Africa Limited) and you. The latest version of these Terms applies
each time you visit this website. Our website includes all related
pages and websites.
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Before you can use our online services (including products), you
must register with us, and we must accept your registration. We may
accept or reject your registration at our sole discretion (in our
own judgement) without giving reasons.
Separate terms and conditions of service apply to specific online
services. You can read these at the section of this website where
the relevant online services are provided. If there is any
difference between these Terms and the specific terms and
conditions of any service, those specific terms and conditions will
apply.
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All information on this site is only intended to give you general
information about us, our products, services and goals. You should
not regard anything on our website as an offer, only as an
invitation to do business with us.
For example, we may give information from time to time on:
- estimated income, capital expenses, returns on investment,
shares or other financial items;
- our plans, goals or estimates for our operations or services in
future; or
- our estimates of the economy's future performance.
Because these are only estimates, actual events or results may
be different.
We provide all information "as is" and you may not rely on it or
treat it as professional or investment advice. You should always
discuss any advice with a professional advisor before doing
anything based on any information on this website.
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We take your privacy and the security of your personal information
very seriously. You can find out more about this in our privacy and
security statement.
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We may change these Terms from time to time. The latest version of
these Terms apply whenever you visit this website. You agree to
read the latest version each time you visit the website.
A certificate (letter) signed by the administrator of this website
is prima facie (initial) proof of the date and content of the
latest and any previous version of these Terms.
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We may use other organisations to provide information on this
website. We have no control over this information and do not
warrant or guarantee that it is correct or suitable for anything.
Any of this information is provided "as is" and we are not directly
or indirectly responsible for any loss that may follow from you
relying on it.
All current news, market information or data shown on our website
as live information is delayed by at least 15 minutes unless we
tell you otherwise. You should always update or "refresh" the
screen on any device to make sure that you are looking at the
latest information.
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The website may link to other websites with information or content
from other parties. Although we try to only link to trustworthy
parties or systems we are not responsible for any of this other
information. If we provide a link to any other information,
website, person or business, it does not mean that we have checked
or approve of them.
We do not give any warranty about any other website, software or
hardware, including their security or performance. You waive (give
up) any claim you may have against us for any loss or damage you
may suffer because you connect to any other website.
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Nobody may create any kind of link or reference to our website
without first getting our written permission. We may refuse
permission or grant it on certain conditions. Links that need
permission include hyperlinks (automatic links in text), deep links
(that bypass the website's home page), frames, metatags or any
similar reference, electronic or not.
Any request for linking to our website must be sent to webmaster@standardbank.co.za.
We will try to answer as soon as possible. If we do not
respond in writing in five business days, we have not agreed to
your request.
If you breach these Terms, we may take immediate legal action
without telling you, and you agree to repay us our costs of this
legal action on the highest scale of attorney and own client.
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We keep all copyright and other intellectual property rights in
all content published on our website, including logos and other
graphics and multimedia. You may view content and copy it onto a
computer or other device or storage media, and you may print and
make paper copies of it, but only if:
- it is for using or deciding about the online services;
- it is not used for any commercial purposes; and
- any copy of the content from any part of our website must show
our copyright notice.
The logos and trade marks on our website are our registered and
unregistered trade marks or those of other parties. Nothing on our
website is a licence (permission) to use any trade mark for any
other purpose without first getting written permission from us or
any other party that has rights to the intellectual property. You
must send any request to use our content to webmaster@standardbank.co.za.
We will try to answer as soon as possible. If we do not respond in
writing in five business days, we have not agreed to your
request.
Even if any content on our website is not confidential or there is
no copyright in it, we own all of it and you have no rights in
it.
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You must use and update hardware and software (computer equipment
and programs) suitable for this website and the online services. If
you do not, the website may not work properly and this could
increase your security risks.
If we offer any software to you on or through our website, the
licence agreement is between you and the software licensor (owner)
.
You indemnify us against any breach of a software licence. We do
not expressly or implicitly warrant that any software is of good
quality or suitable for its purpose.
We also do not warrant that any file, download or application
available on the communication system is safe to use on any
computer. We cannot guarantee that it contains no software or data
that can negatively affect a computer system, such as viruses,
trojans and other malicious software.
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Information sent over the Internet, including email, can be
intercepted, seen or changed . We take steps to limit these risks
as explained in our privacy and security statement. Because we
cannot stop all illegal activities, we are not responsible for any
loss or damage you may suffer as a result. To limit risks, we may
check any information you send using our website or email.
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We may change, suspend or close the website temporarily or
permanently without giving notice. We may also limit certain
services, features or functions, and we may restrict access to all
or parts of any service on the website.
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Your use of this website is dependent on factors beyond our
control, such as the network coverage or availability of your
Internet Service Provider's availability. We are not liable
for any loss or damages you may suffer if a factor beyond our
control arises, and you cannot access this website.
You use this website and the online services entirely at your
own risk. You are fully responsible for any loss or damage that may
result from you using or not being able to use this website or any
of its content, information or any online service.
We (including our owners, agents, consultants, employees and any
affiliated person) are not responsible for any loss or damages
related to your use of this website. This includes, without
limitation, any direct, indirect, special, incidental,
consequential or punitive damages in terms of any contract, delict
(breach of a duty of care) or law, and even if we were expressly
told that any loss or damage was possible.
We are not responsible for any loss that results from:
- any technical or other problem (including interruption,
malfunction, downtime or other failure) that affects our website,
system or any online service or any database for any reason;
- any problem affecting any other goods or services provided by
any other party, for example any telecommunication or Internet
service provider, electricity supplier, or local or other
authority;
- any loss of or damage to any personal information or other data
caused directly or indirectly by technical problems, power
failures, unlawful acts (such as data theft), any harmful computer
program or virus, or because of your own negligence ;
- any order, investment decision or purchase or disposal of goods
or services (including any financial instrument or currency) from
any other party based on any information on our website; or
- any event over which we have no direct control.
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Any dispute over your use of this website or these Terms will be
decided by arbitration, unless either of us applies for an
interdict or other urgent legal action. The terms and conditions of
any other relevant service will apply if they are different to
these Terms.
The arbitration will be at the offices of the Arbitration
Foundation of Southern Africa (AFSA) in Sandton in South Africa
under its rules and South African law.
Either of us may have the arbitration award made an order of
court. Both of us will keep the evidence and any award in the
arbitration confidential. The arbitrator may give default judgement
if any party fails to make submissions on the date they are due or
fail to appear at the arbitration or both.
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You warrant to us that you are legally capable of agreeing to
these Terms. If you are younger than 18, or if you are not sure if
you can legally enter into agreements without your legal guardian
such as a parent agreeing to it with you, you must find out before
you use the website. Our Customer Contact Centre can help you.
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A letter signed by us of the operation or functionality of any
part of the online services and the website contents on any date
are accepted as correct until proved otherwise.
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We choose the registered address on our website at
www.standardbank.co.za. as the address where any legal document or
notice must be served on or delivered to us (our domicilium citandi
et executandi).
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South African law applies to these Terms, despite any other
country's law.
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The headings in these Terms are only for information. Do not
consider them when you interpret the Terms.
Any favour we may allow you will not affect any of our rights
against you, whether the favour is expressed (said) or implied (not
said). We do not waive (give up) any of our rights.
If any clause in these Terms is invalid or illegal or cannot be
enforced, the remaining clauses will continue to be valid.
Email webmaster@standardbank.co.za
if you have questions or do not understand anything about these
Terms and we will respond as soon as possible.
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