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 (Terms) 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 you. The latest version of these Terms applies each time you visit this website. Our website includes all related pages and websites.

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.

Types 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. You should not regard anything on our website as an offer or recommendation for the sale or purchase of any investment, only 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.

Changes to these conditions

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.

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 or content 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.

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

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.

Any request for linking to our website must be submitted to [email protected]. 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.

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 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 [email protected]. 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.

Even if any content on our website is not confidential or there is no copyright in it, you acknowledge that we are the proprietor of all material on the website and that you have no right, title or interest in any such material.

Software

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 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 increase your security risks.

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.. 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

Termination, suspension and limitation

We may modify, suspend or discontinue the website temporarily or permanently, without notice. We may also impose limits or conditions on the access all or part of the certain services, features or functions on the website.

DISCLAIMER AND LIMITATION OF LIABILITY

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.

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 (AFSA). The arbitration will be governed by the AFSA rules in terms of South African law and will be heard by an arbitrator or arbitrators appointed by them.

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.

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

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 not exclusive of any other rights or remedies provided by other applicable laws or contract.

Email [email protected] if you have questions or do not understand anything about these Terms and we will respond as soon as possible.