Terms of Use

NOVEMBER 20, 2023


1. Introduction

Welcome to Everycent (https://dev.everycent.co.za). We are a South African-based platform dedicated to providing freely accessible information on managing finances. Our topics include, but are not limited to, debt management, credit reports, loans, buying property, saving, investing, and understanding financial regulations.

By using our website, you agree to these Terms and Conditions. Please read them carefully.

2. User Obligations

As a user of Everycent, you agree to comply with all applicable laws and regulations of South Africa. You are responsible for any activity that occurs under your account and for ensuring that all information you provide is accurate and current.

As a user of Everycent, you agree to the following obligations:

Compliance with Laws: You are responsible for complying with all applicable laws and regulations in South Africa. This includes, but is not limited to, regulations regarding financial services, online conduct, and data protection.

Accurate Information: If the website requires or offers the option to provide information (such as signing up for newsletters, accounts, etc.), you must ensure that all information you provide is true, accurate, current, and complete.

Responsible Use: You agree to use the website and its content for lawful purposes only. This prohibits any use of the website that could damage, disable, overburden, or impair the site or interfere with any other party’s use and enjoyment of the site.

Security: You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our resources and are thus responsible for all activities that occur under your account/s.

Reporting Misuse: You agree to promptly report any unauthorised or improper use of the website or its content, as well as any breach of security, to Everycent.

Intellectual Property Respect: You agree not to infringe upon the intellectual property rights of the website and its content. This includes refraining from copying, modifying, distributing, selling, or leasing any part of our services or included software, nor using our content to create derivative works.

Interaction with Content: In interacting with the content (like sponsored links or advertisements), you agree to do so in a manner that is consistent with the terms and purpose of the website, and not in a deceptive or harmful manner.

By accepting these Terms and Conditions, you acknowledge that failure to adhere to these obligations may result in termination of your access to the services, legal action against you, or both.

3. Intellectual Property

The intellectual property rights in all content and materials on Everycent, including but not limited to articles, information, designs, graphics, logos, tools, and all other forms of intellectual property, are owned by or licensed to Everycent. These rights are protected by South African and international copyright and intellectual property laws.

Visitors/Users of Everycent are granted a limited, non-exclusive, non-transferable licence to access and use the Everycent website and its content for personal, non-commercial use, subject to the following conditions:

No Modification or Reproduction: Visitors/Users may not modify, reproduce, distribute, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, except as follows:

  • Computers may temporarily store copies of such materials in RAM incidental to accessing and viewing those materials.
  • Visitors/Users may store files that are automatically cached by their web browser for display enhancement purposes.
  • Visitors/Users may print or download one copy of a reasonable number of pages of the website for their own personal, non-commercial use and not for further reproduction, publication, or distribution.

Prohibited Uses (visitors/users must not):

  • Modify the paper or digital copies of any materials printed off or downloaded in any way, and must not use any illustrations, photographs, video or audio sequences, or any graphics separately from any accompanying text.
  • Use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors.
  • Access or use for any commercial purposes any part of the website or any services or materials available through the website.

The use of Everycent’s intellectual property not expressly permitted by these Terms and Conditions is a violation of these terms and may also be a violation of our copyrights, trademarks, and other intellectual property rights. If any visitor/user violates any of these conditions, their permission to use the content automatically terminates and they must immediately destroy any copies they have made of any part of the content.

4. Disclaimer of Warranties

Everycent makes no warranties, representations, or guarantees regarding the reliability, timeliness, quality, suitability, truth, availability, accuracy, or completeness of the website and its content.

As-Is and As-Available Basis: The website and its content are provided on an “as is” and “as available” basis. Everycent expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including but not limited to, any warranties of merchantability, non-infringement, and fitness for a particular purpose.

No Financial Advice: The information provided on Everycent is for general informational and educational purposes only and is not intended as financial advice. Everycent is not a financial advisor. The information on the website should not be used as a substitute for consultation with professional financial advisors. Everycent does not guarantee any financial results based on the use of the information provided on the website.

Third-Party Content and Links: Everycent is not responsible for the content of websites linked to or from Everycent. Links to or from other websites are provided for convenience only and do not imply an endorsement, sponsorship, or recommendation by Everycent. Everycent disclaims all liability for any loss, damage, or other issues resulting from the use of third-party websites.

User Responsibility: Visitors/Users are responsible for evaluating the quality, accuracy, completeness, and usefulness of all content provided on the Everycent website. Visitors/Users should use their own judgement, caution, and common sense in managing their financial activities and decisions, and are encouraged to seek professional advice where necessary.

By using the Everycent website, visitors/users acknowledge and agree that Everycent is not liable for any harm, injury, or damage resulting from the use of, or reliance on, the website or its content.

5. Financial Disclaimer

Please read the following important disclaimers carefully before using the financial information and resources provided on Everycent:

Non-Advisory Nature: Everycent provides information for general informational and educational purposes only. It is important to understand that Everycent is not a financial advisor. The content provided on our website, including articles, guides, tools, and other resources, is not intended as, and should not be construed as, financial advice.

No Professional Relationship: The use of Everycent’s website and its content does not create a client-financial advisor relationship between the user and Everycent or any of its employees or representatives.

Personal Responsibility: Financial decisions should be made based on individual circumstances and, where appropriate, with the guidance of a qualified professional. Visitors/Users are solely responsible for their financial decisions, actions, and results. Everycent does not take responsibility for any decisions made or actions taken based on the information provided on its website or for any resulting outcomes.

Accuracy and Reliability: While Everycent strives to provide up-to-date and accurate information, the financial industry is constantly evolving. Therefore, Everycent does not guarantee the timeliness, relevance, or accuracy of the information provided.

External Links: Content and links provided on Everycent to third-party websites, products, or services do not constitute an endorsement. Everycent is not responsible for the content or accuracy of external sites, nor does it assume responsibility for the financial advice or services provided by third parties.

User Discretion Advised: Visitors/Users should approach all financial information and recommendations with caution and critically evaluate their applicability to their individual circumstances.

By using Everycent, visitors/users acknowledge and agree that they are using the information provided at their own risk and that Everycent is not liable for any financial decisions or actions taken based on the information provided on the website.

6. Limitation of Liability

General Limitation: Everycent, including its directors, employees, agents, affiliates, and licensors, shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses (even if Everycent has been advised of the possibility of such damages), resulting from:

  • The use or the inability to use the website or its content.
  • Unauthorised access to or alteration of your data or transmissions.
  • Statements or conduct of any third party on the website.
  • Any other matter relating to the website.

Financial Decisions: In no event shall Everycent be liable for any decisions made or actions taken by you in reliance on the content of the website, nor for any loss or damage incurred as a result of the use of the website or reliance on any content provided therein.

Information Accuracy: While Everycent strives to ensure that the information provided is accurate and up to date, it shall not be held liable for any errors, omissions, or inaccuracies published on its website or for any results achieved or not achieved by the use of such information.

Third-Party Products and Services: Everycent is not liable for any products, services, information, or other materials displayed, bought, or obtained as a result of an advertisement or any other information or offer on or through the website.

Jurisdictional Limitations: The limitations of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction and shall not infringe upon any statutory rights you may have as a consumer.

By using the Everycent website, you acknowledge and agree to these limitations of liability and agree that Everycent’s liability is limited to the maximum extent permissible under South African law.

7. Privacy Policy

Your privacy is important to us. We collect and use your data in accordance with our Privacy Policy, which is in compliance with the Protection of Personal Information Act (POPIA) of South Africa.

Commitment to Privacy: Everycent is committed to protecting the privacy and security of our visitors/users’ information. Our Privacy Policy, which is a separate document available on our website, outlines the types of information we collect, how it is used, and the steps we take to ensure its protection.

Information Collection: We may collect information that can identify you (“personal information”), such as your name and email address, when you (or other users) provide it to us when using our website or in some other manner. We may also collect other types of information in a variety of ways, including through cookies, web beacons, and other technologies.

Use of Information: The information collected is used to enhance the user experience on our website, provide targeted content and advertisements, and improve our overall service offerings. We may also use your information to communicate with you about our services and promotions.

Data Protection: In compliance with the Protection of Personal Information Act (POPIA) of South Africa, we implement a variety of security measures to maintain the safety of your personal information.

Third-Party Sharing: Everycent does not sell, trade, or otherwise transfer to outside parties your personally identifiable information except as described in our Privacy Policy. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential.

Access and Control: Visitors/Users have certain rights concerning their personal information, including the right to access, correct, or delete their personal data collected by Everycent.

Policy Changes: Any changes to our Privacy Policy will be communicated through our website. Continued use of our website after such changes will constitute acknowledgment and agreement to the modified Privacy Policy.

For more detailed information, please refer to our full Privacy Policy available on the Everycent website.

8. Advertising and Affiliate Disclosure

Everycent is an independent, advertising-supported website. We may display advertisements for and links to third-party products or services on our site.

Affiliate and Referral Compensation: Everycent may receive compensation for referrals when our visitors/users make contact or request contact with third-party service or product providers and subsequently commit to a financial relationship with these third-party companies. This includes, but is not limited to, the initiation of services, purchase of products, or engagement in any form of financial transaction.

Transparency with Users: We believe in transparency with our visitors/users. Therefore, we disclose our advertising-supported model and referral compensation practices. The compensation we receive may impact how, where, and in what order products and services appear on our site, but it does not influence our editorial content or perspective.

User Discretion: Visitors/Users are advised to exercise discretion while interacting with advertised products and services. Everycent does not guarantee the quality, reliability, or suitability of any third-party products or services advertised on our website.

No Endorsement Implied: The presence of third-party advertisements on Everycent should not be construed as an endorsement, approval, or recommendation by Everycent. We encourage our visitors/users to independently verify any product or service before proceeding with any financial commitment.

By using Everycent, visitors/users acknowledge and agree that Everycent shall not be liable for any loss or damage incurred as a result of dealings with our advertised or affiliated partners.

9. No User-Generated Content

Our website does not offer the option for users to post comments, host forums, or submit content. Therefore, Everycent does not bear any responsibility for user-generated content.

10. Amendments to Terms and Conditions

Everycent reserves the right to amend these Terms and Conditions at any time. All changes will be posted on this page and will be effective immediately upon posting. We encourage users to frequently check this page for any changes. Your continued use of the website following the posting of changes to these terms will mean you accept those changes.

11. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of South Africa. Any disputes or claims relating to these Terms and Conditions, or your use of the website, will be resolved in accordance with South African law. This includes any regulations enforced by the National Credit Regulator (NCR) and adherence to the Protection of Personal Information Act (POPIA).

12. Conflict Resolution

In the event of any dispute or claim associated with these Terms and Conditions, or the use of any services provided by Everycent, users are encouraged to contact us directly at webmaster@dev.everycent.co.za for an amicable resolution. We aim to promptly address and resolve any concerns raised by our users.

13. Contact Information

If you have any questions or concerns about these Terms and Conditions, please contact us at webmaster@dev.everycent.co.za.

14. Effective Date

These Terms and Conditions are effective as of 01 September 2023 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.