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TERMS & CONDITIONS
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IHLCA General Terms & Conditions
 

Website Terms and Conditions of Use: These Terms and Conditions (“the Terms and Conditions”) govern your (“the User”) use of IHLCA (“the Provider”) website located at the domain name www.lifecoachsa.co.za (“the Website”). By accessing and using the Website, the User agrees to be bound by the Terms and Conditions set out in this legal notice. If the User does not wish to be bound by these Terms and Conditions, the User may not access, display, use, download, and/or otherwise copy or distribute Content obtained at the Website.

Updating of these Terms and Conditions: The Provider reserves the right to change, modify, add to 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 at 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. 

Copyright and Intellectual Property Rights: The Provider provides certain information at the Website. Content currently or anticipated to be displayed at this Website is provided by the Provider, its affiliates and/or subsidiary, or any other third party owners of such content, and includes but is not limited to debt settlement knowledge, credit industry practises, credit scoring methodologies, consumer law issues, website design, database structure, system architecture and computer programs (“the Content”). All such proprietary works, and the compilation of the proprietary works, are copyright the Provider, its affiliates or subsidiary, or any other third party owner of such rights (“the Owners”), and is protected by South African and International copyright laws. The Provider reserve the right to make any changes to the Website, the Content, or to products and/or services offered through the Website at any times and without notice. All rights in and to the Content is reserved and retained by the Owners. Except as specified in these Terms and Conditions, the User is not granted a license or any other right including without limitation under Copyright, Trademark, Patent or other Intellectual Property Rights in or to the Content.

Limited License to General Users:
•The Provider grants to the User, subject to the further terms of these Terms and Conditions, a non-exclusive, non-transferable, limited and revocable right to access, display, use, download and otherwise copy the current and future Content for personal, non-commercial and information purposes only.

  • This Website and the Content may not be reproduced, duplicated, copied, resold, visited or otherwise exploited for any commercial purpose without the express prior written consent of the Provider.
  • The license does not allow the User to collect product or service listings, descriptions or other information displayed here, and does not allow any derivative use of this Website or the Content for the benefit of another merchant.
  • The User may not frame nor use framing technologies to enclose the Website or the Content nor any part thereof without the express prior written consent of the Provider.
  • The Provider and the Owners do not offer products or services to minors. If you are under the age of 18, you may not respond to or otherwise accept or act upon any offers in the Website.
  • The Provider and the Owners, their affiliates or subsidiary reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in their sole discretion.
  • Any unauthorised use terminates this license.

Limitation of liability: 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 Owners make no warranty or representation as to the availability, accuracy or completeness of the Content. Neither the Provider nor any holding company, affiliate or subsidiary of the Provider, 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 the Provider is expressly advised thereof.

Privacy, access to and use of information: The Provider receives various types of information (“the Information”) from the Users who access the Website. The Provider makes every effort to protect any Information received by it. Despite such undertaking, it is possible for Internet-based communications to be intercepted. Without the use of encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. The Owners will not be responsible for any damages you or any third party may suffer as a result of the transmission of confidential information that you make to the Owners through the Internet, or that you expressly or implicitly authorise the Owners to make, or for any errors or any changes made to any transmitted information. To ensure acquaintance with and awareness of the privacy measures and polices of the Provider, the User is urged to take care to read and understand the underlying privacy clauses incorporated in these Terms and Conditions:

Privacy: casual surfing: The User may visit the Website without providing any personal information. The Website servers may in such instances collect the IP address of the User computer, but not the email address or any other distinguishing information. This information is aggregated to measure the number of visits, average time spent at 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 copy, distribute or otherwise use such information without limitation.

Privacy: solicited information the User gives to the Provider: The Provider requires certain personal information to process transactions if the User requires any of the Provider’s products or services. The Provider receives and stores all Information the User enters on the Website or gives to the Provider, in any other way. The User may choose not to provide certain Information, but that may limit the services or products that the User may wish to obtain from the Provider.  The Provider stores all Information the User enters on the Website or gives to the Provider, in any other way behind dedicated, outsourced, firewall technology, to better safeguard such Information.  So as to reduce any risk to the User, the Provider shall not store any of the User’s credit card information.

Privacy: credit information acquired by the Provider on behalf of the User: The Provider acquires certain credit information from South African credit bureaux, on behalf of the User, after first obtaining the User’s specific written authority to request and obtain such Information together with a copy of the User’s National Identity Document (“the Credit Information”).  The Provider shall not disclose such Credit Information to any third party without the prior written permission of the User first being obtained.  The Provider stores all such Credit Information behind dedicated, outsourced firewall technology, to better safeguard such Credit Information.

Privacy: promotional information: The Provider aspires to provide first-class service to its customers, which necessitates the Provider providing information to the User regarding new services or special offers. In each instance, the User is provided an opportunity to opt-out of such information circulars. For more information, please call the Provider Help Desk.

Privacy: lawful purposes: When the Provider is served with due legal process requiring the delivery of personal customer Information and it has the legal duty to abide by that demand, it will do so.

Provider’s Services
The Provider offers the following services:


Choice of Law: This Website is controlled, operated and administered by the Provider from its offices as set out below within the Republic of South Africa. The Provider makes no representation that the Content is appropriate or available for use in the locations or countries. 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 Witwatersrand High Court in the event of any dispute. 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 Content and this Website.


This Website was most recently updated on the 18th May 2006.

 

 
 
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Copyright ® 2006 LifeCoachSA All rights reserved.