Conditions of access
Thank you for visiting our website. Before you go any further it is important that
you read and understand the conditions under which you'll use the site.
Acceptance
These conditions become effective when you access the site for the first time and
constitute a binding agreement between us (Standard Bank of South Africa Ltd) and
yourself, which will always prevail. The current version of these conditions will
govern our respective rights and obligations each time you access this site.
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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 site where the online services
are provided. In the event of conflict between these conditions and the service
terms, the provisions of the service terms will apply.
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Nature of information on the site
All information on this site is only intended to provide you with general information
about us, our products, services and objectives. Nothing on this site should be
treated as an offer 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 should not be treated as professional or
investment advice of any kind. You should consult your own professional advisors
before relying on any information on this site.
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Your privacy and security
Our commitment to your privacy and the security of your personal information is
outlined in our privacy and security statement.
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Amendments to these conditions
We may amend these conditions from time to time. By accessing this site you are
bound to the version of the conditions published here at the time of any visit to
this site. You agree to view the current version each time you access the site.
A certificate signed by the administrator responsible for maintaining this site
will be prima facie proof of the date of publication and content of the current
version and all previous versions of the conditions.
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Information feeds
We may use the services of other organisations to provide information on the site.
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 site 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.
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Linked third party sites
This site may contain links to other websites with information and material produced
by other parties. While we try to provide links only to reputable websites, we cannot
accept responsibility or liability for the information provided on other websites.
A link from our site 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.
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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 site 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.
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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
site. 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 site or portion of it must
include our copyright notice in its entirety.
The logos and trademarks shown on this site are our registered and unregistered
trademarks or that of third parties. Nothing on this site 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 site, whether it constitutes confidential information or
not, and that you have no right, title or interest in any such material.
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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 site
not to operate properly or at all.
Software, if any, made available for download on or via our site 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 SITE 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.
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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 site or email from time to time.
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Termination, suspension and limitation
We may modify, suspend or discontinue the site, 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 site.
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No warranties or representations
We do not warrant that the site or online services will be error-free or will meet
any particular criteria of accuracy, completeness or reliability of information,
performance or quality.
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.
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DISCLAIMER AND LIMITATION OF LIABILITY
ALTHOUGH WE HAVE TAKEN CARE TO ENSURE THAT THE CONTENT ON THIS SITE IS ACCURATE
AND THAT YOU SUFFER NO LOSS OR DAMAGE AS A RESULT OF YOUR USE OF THIS SITE, THIS
SITE AND THE ONLINE SERVICES ARE PROVIDED "AS IS".
USE OF THIS SITE 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 SITE AND
YOUR RELIANCE ON THE MATERIAL AND INFORMATION CONTAINED ON IT.
WE AND OUR AFFILIATES, SHAREHOLDERS, AGENTS, CONSULTANTS OR EMPLOYEES ARE NOT LIABLE
FOR ANY DAMAGES WHATSOEVER RELATING TO YOUR USE OF THIS SITE OR THE ONLINE SERVICES
OR THE INFORMATION CONTAINED ON THIS SITE OR YOUR INABILITY TO USE THIS SITE OR
THE ONLINE SERVICES. THIS INCLUDES, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, SPECIAL,
INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER ARISING OUT OF CONTRACT,
STATUTE, DELICT 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 SITE 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 SITE;
- 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.
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How disputes will be resolved
Subject to the relevant service terms, all disputes arising as a result of your
use of the site 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.
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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 site.
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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 site on a given date.
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Our address for notices and service of legal process
Our chosen address for any legal notice is:
Director, Legal Services
Group Legal Division
Standard Bank Centre
9th Floor
5 Simmonds Street
Johannesburg
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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.
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General provisions
The headings of the clauses in the conditions are provided for convenience and ease
of reference only and will not be used to interpret, modify or amplify the terms
of the conditions.
Where any dates or times need to be calculated in terms of the 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 these conditions or prejudice our right to take subsequent
action against you.
If any of these terms, conditions or provisions are held to be invalid, unlawful
or unenforceable; the term, condition or provision will be deleted from the remaining
terms, conditions and provisions which will continue to be valid to the full extent
permitted by law.
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.
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