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Disclaimer

General disclaimer

  1. The Sasfin Group (being Sasfin Holdings Limited, its subsidiaries and associated companies and individual business units comprising the Sasfin Group) (Sasfin) accepts no responsibility for any loss or damage of whatsoever nature that may be caused or brought about, directly or indirectly, by the use of this internet website or reliance on any information contained in this website. While every effort is made to keep information up to date and correct, any interest rates quoted on this site must be confirmed by a Sasfin manager. Sasfin does not accept any liability for reliance placed on quoted rates in the absence of confirmation.
  2. Calculators available on the site are intended only to provide an indication of amounts calculated. Since Sasfin has no control over the information and variables entered by the user, figures generated by the calculators shall not be binding on Sasfin.
  3. Use of the Sasfin website will be considered as your agreement and acceptance of the terms and conditions of the website and of this disclaimer.
  4. For your convenience and from time to time, certain links to third party websites may be available to you on the Sasfin website. Such third party websites and links are not under the control of Sasfin. Accordingly, Sasfin is not responsible for or liable to you for the content of the third party website, and your use of the third party website and/or link. Sasfin does not endorse any third party website or link. You use the link and the third party website at your own risk.
  5. You may not:
    1. use the Sasfin website for any unlawful or prohibited purpose;
    2. use the website in any manner that could damage, disable, overburden, impair or otherwise interfere with the website or any other person’s use of the website;
    3. obtain or attempt to obtain any materials or information not intentionally made available to you by Sasfin;
  6. Sasfin may from time to time make available to you forums on the website, including bulletin boards, chat rooms, news groups, forums or other communication facility designed to enable you to communicate with the public (Communication Forums). With regard to such Communication Forums, you may not;
    1. defame, abuse, harass, stalk, threaten or otherwise violate the rights of others on any open forum made available by Sasfin on its website
    2. publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful information or material on the Sasfin website;
    3. upload files that contain software or materials of any sort thereby infringing any intellectual property laws;
    4. upload files that contain software or materials that contain viruses, corrupted files or similar software or programmes that may damage the website or the operation of another’s computer;
    5. advertise or offer to sell or buy any goods or services;
    6. conduct or forward surveys, contests, pyramid schemes or chain letters;
    7. download any file that you know or ought reasonably to know that cannot legally be distributed in such a manner;
    8. falsify or delete any author contributions, notices or bulletins;
    9. restrict or inhibit another user from using a Communication Forum;
    10. violate or breach any code of conduct or guidelines applicable for any particular Communication Forum;
    11. collect or otherwise process information of others without their consent; and
    12. violate any laws and/or regulations.
  7. Sasfin may remove any material and information of any Communication Forum and/or to prohibit access to a Communication Forum in its sole discretion and at any time.
  8. Use of any Communication Forum will be considered as your agreement and acceptance of the terms and conditions relating to the relevant Communication Forum.
  9. Use of the website and any Communication Forum is at your own risk and Sasfin bears no responsibility or liability with regard to your use of the website or any Communication Forum.
  10. Sasfin shall not be responsible and disclaims all liability for any loss, liability, damage (whether direct or consequential) or expense of any nature whatsoever which may be suffered as a result of or which may be attributable, directly or indirectly, to the use of or reliance upon any information, links or service provided through this website or other electronic medium.
  11. While every effort is made to ensure that security of information entered into this website, information can be intercepted, corrupted, lost and/or subject to interference. Sasfin does not accept liability for any errors or omissions in the contents of messages or damages resulting from opening messages should it contain a virus.
  12. Sasfin makes no representations about the suitability, reliability, availability and accuracy of the information, documents, software, products and/or services
  13. In terms of certain hyperlinks made available to you, you may be given access to and may be able to view certain information and view, change or alter or print certain documents. You acknowledge and agree by your use of the hyperlink and the Sasfin website:
    1. that all information and documents received, displayed, viewed and/or accessed by you shall at all times remain the property of Sasfin exclusively;
    2. your access or viewing privileges to such information and documents granted to you by Sasfin does not confer any rights of any nature whatsoever in such information or documents;
    3. you are not permitted to disclose any information or document without the prior written consent of Sasfin;
    4. you agree to maintain the confidentiality of information and documents received, sent or accessed through the Sasfin website or any hyperlink sent to you; and
    5. you will not use the information and documents information and documents received, sent or accessed through the Sasfin website or any hyperlink sent to you for any unlawful purpose or other than the purpose, and within the parameters, set out by Sasfin.

Email disclaimer

  1. The information in or attached to emails is proprietary to Sasfin and intended for the sole use of the nominated recipient and may be private in nature and contain privileged, commercially sensitive, proprietary or copyright information. If you have received an email by mistake or if you are not the intended recipient of an email please delete it and tell the sender immediately by return email.
  2. You may not print, store, use, change, forward or copy any email message or any part thereof (including its attachments) or disclose or cause information in any email to be disclosed to any party without consent from the sender.
  3. The views and opinions expressed in emails are those of the individual sender and do not necessarily represent the views and opinions of Sasfin.
  4. Sasfin cannot guarantee that the integrity of any communication has been maintained, or that it contains no malicious coding, or that it is secure or error free or free of viruses or defects as information can be intercepted, corrupted, lost and/or subject to interference. Sasfin does not accept liability for any errors or omissions in the contents of any email message or damage or loss sustained as a result of the transmission of or from the opening of an email or its effect on any systems and/or electronic and/or telecommunication devices of whatsoever nature.
  5. Sasfin reserves the right to check, intercept and block emails or take any other action according to its email etiquette.
  6. Sasfin will not be liable for any delivery delay, loss, harm, disruption or data corruption that may arise from any email.
  7. Sasfin does not accept liability for any claims, loss or damages or whatsoever nature arising as a result of your reliance on information in emails.

Competition Terms & Conditions (SME Survey 2020)

  1. Definitions
    1. Competition” means the competition hosted by the Promoters in terms of which the Prize shall be awarded in accordance with the Terms and Conditions;
    2. Entry Period” means 20 August 2020 to midnight on 27 August 2020;
    3. Prize” means a travel voucher to the value of R10,000.00 (ten thousand rand);
    4. Participant” means the owner, director, partner or executive of an SME who enters the Competition;
    5. Promoters” means both SME Africa and Sasfin;
    6. Promoters’ Social Media Platforms” means (i) Sasfin’s Facebook, Twitter, LinkedIn and Instagram accounts; and (ii) the Instagram account of Marnus Broodryk.
    7. Sasfin” means Sasfin Bank Limited, a public company duly registered and incorporated according to the laws of South Africa having registration number 1951/002280/06;
    8. SME” means the small to medium enterprise under the control of the Participant which has a minimum annual turnover of R100,000.00 (one hundred thousand rand) and a maximum annual turnover of R100,000,000.00 (one hundred million rand);
    9. SME Africa” means SME Africa Online Solutions Proprietary Limited, a private company duly registered and incorporated with limited liability according to the laws of South Africa having registration number 2018/513632/07;
    10. Terms and Conditions” mean these terms and conditions which apply to the Competition; and
    11. Winner” means the qualifying Participant selected by the Promoters to win the Prize in accordance with these Terms and Conditions.
  2. The Promoters of this Competition shall award the Prize to a qualifying Participant.
  3. In order to qualify for an entry to win the Prize, a Participant must:
    1. be South African resident; and
    2. complete and submit its answers to the survey hosted by the Promoters within the Entry Period.
  4. A Participant may access the survey by way of email (if the Participant receives the survey by email) or via social media. The survey shall be sent to subscribers of the Promoters’ email newsletters.  A link to the survey shall also be published on the Promoters’ Social Media Platforms. 
  5. There shall be a single Winner of this Competition.
  6. The Winner of the Prize shall be selected from a list of all Participants by way of a random electronic draw.
  7. The Winner shall be publicly announced during a live webinar entitled “SME Research II Results” hosted by the Promoters on 3 September 2020 at 17h00, following which the Winner shall be contacted directly by the Promoters by way of email. Failure to attend the webinar shall not disqualify the Winner from claiming the Prize. If the Winner fails to attend the Webinar, the Promoters will contact the Winner via email.
  8. The Winner must respond to the Promoters’ email within 72 (seventy-two) hours of transmission thereof in order to claim the Prize. Should the Winner fail to claim the Prize within 72 (seventy-two) hours of the Promoters’ email communication, the Promoters shall select a new Winner by way of a random electronic draw.
  9. Only one entry per Participant shall be permitted.
  10. The following persons are disqualified from entry into the Competition:
    1. directors, members, partners, employees or agents of or consultants to the Promoters;
    2. a spouse, life partner or close family member of a director, member, partner, employee or agent of or consultant to the Promoters; and
    3. any person who directly or indirectly controls or is controlled by the Promoter.
  11. All travel arrangements in conjunction with the Prize shall be made by the Winner through the Promoters’ appointed travel agent.
  12. The Promoters will pay for the travel arrangements up to a maximum of R10 000 (ten thousand rand).
  13. The Winner will need to abide by any additional terms and conditions required by the Promoters in relation to the use of the Prize.
  14. The Prize shall be valid from the date of announcement of the Winner until 30 June 2021, following which it shall expire and the Winner will have no claim against the Promoters for the Prize.
  15. Participants acknowledge that this Competition does not carry the endorsement of any social media websites or applications.
  16. The Winner shall, at its election, grant the Promoters the right to publish its name, logo and photographs on its social media platforms and in any advertising or promotional material following the announcement of the Winner.
  17. The Promoters have the right to audit the name and email address which a Participant uses to enter the Competition.
  18. Participants shall not receive payment for their participation in this Competition or the submission of the response to the survey.
  19. The Prize is not transferable or redeemable for cash. The Promoters may substitute the Prize with any other Prize of similar value at their discretion.
  20. The Promoters are not liable for any technical failure that may result in an entry not being successfully submitted.
  21. Participants hereby indemnify the Promoters against any loss, damage, costs, expenses and liabilities which the Promoters may suffer or incur as a result of or in connection with any claim by a third party arising out of the actions or omissions of the Participant.
  22. The Winner of the Competition hereby indemnifies the Promoters against any loss, damage, costs, expenses and liabilities which the Promoters may suffer or incur as a result of or in connection with any claim by a third party arising out of the actions or omissions of the Winner.
  23. The Promoters shall not be liable for any loss, damage, costs, expenses and liabilities that the Winner of the Competition may suffer in connection with this Competition, including, but not limited to, as a result of the Winner’s acceptance of or use of the Prize.
  24. The Winner accepts the Prize at its own risk.
  25. Any expenses over and above R10,000.00 (ten thousand rand) which the Winner incurs during or in connection with the use of the Prize shall be for Winner’s own account.
  26. This Competition shall be governed by South African law.
  27. Participants provide the Promoters with their express consent to process their personal information in accordance with the Protection of Personal Information Act 4 of 2013 for the purposes of this Competition and for marketing of the Promoters’ products and services. Participants provide their express consent to the transfer of their personal information to the other companies within the Promoters’ group of companies for marketing purposes.
  28. The Promoters have the right to terminate this Competition in the event that any element of the Competition is deemed unlawful. In this event, a Participant shall have no claim against the Promoters.
  29. The Competition Terms and Conditions shall be published on http://sasfin.com.

Competition Terms and Conditions (Heritage Day)

  1. Definitions
    1. Categories” means, cumulatively, the categories of the Competition (i) best dressed female; (ii) best dressed male; (iii) most creative; and (iv) sunlight award. “Category” shall have a respective meaning;
    2. Competition” means the competition hosted by the Promoters in terms of which the Prize shall be awarded in accordance with the Terms and Conditions;
    3. Entry” means the Participant’s entry into the Competition by way of submitting (i) a full-length photograph of the Participant in his/her traditional Heritage Day outfit; and (ii) a short description of what Heritage Day means to the Participant in no more than 100 (one hundred) words, via email to keabetswe.nkete@sasfin.com;
    4. Entry Period” means 12:00 am on 18 September 2020 to midnight on 30 September 2020;
    5. Judges” means the Promoters’ Marketing department;
    6. Prize” means, at each Winner’s election, a choice of one of the following: (i) a JBL wireless bluetooth speaker; or (ii) Eco Desk-organiser and wireless charge (iii) a picnic blanket;
    7. Participant” means a participant in the Competition, being an employee of Sasfin or Sunlyn;
    8. Promoters” means Sasfin and Sunlyn;
    9. Sasfin” means Sasfin Holdings Limited, a public company duly registered and incorporated according to the laws of South Africa, having registration number 1987/002097/06;
    10. Sunlyn” means a private company duly registered and incorporated according to the laws of South Africa having registration number 1988/000147/07;
    11. Terms and Conditions” mean these terms and conditions which apply to the Competition; and
    12. Winner” means the qualifying Participant selected by the Promoters to win in a Category and receive a Prize in accordance with these Terms and Conditions.
  2. In order to qualify for an entry to win the Prize, a Participant must:
    1. be South African resident; and
    2. complete and submit their Entry to the Promoters within the Entry Period.
  3. There shall be a Winner in respect of each Category of this Competition.
  4. The Winners shall be selected by the Judges based on the level of effort and creativity of each Entry.
  5. The Winners shall be announced internally to all employees of the Promoters via email on 7 October 2020, following which the Winners shall be contacted directly by the Promoters either telephonically or by way of email.
  6. Only one entry per Participant shall be permitted.
  7. The following persons are disqualified from entry into the Competition:
    1. any third party not employed by the Promoters; and
    2. all directors of the Promoters.
  8. The delivery of each Prize to each respective Winner shall be arranged between each Winner and the Promoters.
  9. The Winners will need to abide by any additional terms and conditions required by the Promoters in relation to the use of the Prize.
  10. The Winners shall, at their election, grant the Promoters the right to publish his/her name and photograph to all employees of the Promoters via email.
  11. The Promoters have the right to audit the name and email address which a Participant uses to enter the Competition.
  12. Participants shall not receive payment for their participation in this Competition.
  13. The Prize is not transferable or redeemable for cash. The Promoters may substitute the Prize with any other Prize of similar value at their discretion.
  14. The Promoters are not liable for any technical failure that may result in an Entry not being successfully submitted.
  15. Participants hereby indemnify the Promoters against any loss, damage, costs, expenses and liabilities which the Promoters may suffer or incur as a result of or in connection with any claim by a third party arising out of the actions or omissions of the Participant.
  16. The Winners of the Competition hereby indemnify the Promoters against any loss, damage, costs, expenses and liabilities which the Promoters may suffer or incur as a result of or in connection with any claim by a third party arising out of the actions or omissions of the Winners.
  17. The Promoters shall not be liable for any loss, damage, costs, expenses and liabilities that the Winner of the Competition may suffer in connection with this Competition, including, but not limited to, as a result of the Winner’s acceptance of or use of the Prize.
  18. Each Winner accepts its Prize at its own risk.
  19. This Competition shall be governed by South African law.
  20. The Promoters have the right to terminate this Competition in the event that any element of the Competition is deemed unlawful. In this event, a Participant shall have no claim against the Promoters.
  21. The Competition Terms and Conditions shall be published on http://sasfin.com.
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