Integer | Terms and conditions

This Website is made available to you by Integer (Pty) Ltd (“Integer”) and use of this Website is subject to these terms and conditions:-

Terms & Privacy Policy
THE POLICY BELOW CONTAINS IMPORTANT INFORMATION REGARDING THE CONDITIONS UNDER WHICH YOU ARE PERMITTED TO ACCESS THIS SITE AND SHOULD BE READ IN FULL IN ORDER TO UNDERSTAND AND APPRECIATE YOUR RIGHTS AND OBLIGATIONS.

Product Description and Tools
The site is intended to serve as an extension of Integer’s product offering and all information and tools are provided on that basis. Integer does not accept any liability for reliance on any fact, statement, figure or calculation whether stated directly or resulting from the use of any tool made available on the site.

Ownership of Site, Trademarks and Copyrights
Integer and other trademarks used on this Site are trademarks and service marks or registered trademarks or service marks of the Integer) and/or its direct or indirect subsidiaries (together hereinafter referred to as "Integer" or "we"). All material available on the Site, except where otherwise noted, is under copyright to Integer. Integer reserves all rights with respect to copyright and trademark ownership of all material on the Site, and will enforce such rights to the full extent of applicable law.

Nothing on the Site shall be construed as granting any license or right to use any image, trademark, service mark or logo. Downloading, copying or printing individual pages and/or parts of the Site is allowed for personal use only, and will not transfer title to any material or material on the Site to you.

Explicit attribution to Integer must be made in the event that the material, or any part thereof, is reproduced in any form, written or electronic. Furthermore, any reproduction, re-publication or distribution of this material requires the express consent of Integer.

Restrictions on Geographic Area
This Site is not directed at, or intended for distribution to or use by, any person or entity who is a citizen or resident of or located in any jurisdiction where such distribution, publication, availability or use would be contrary to applicable law or regulation or in any jurisdiction in which Integer does not operate which would subject Integer to any registration or licensing requirement within such jurisdiction.

Nothing on this Site shall constitute an offer or a solicitation of an offer to buy or sell any products or services of Integer, including but not limited to any securities, financial instruments or other investments or investment advice.

All Integer products and services are subject to specific terms and conditions which will become applicable at the time of acquiring such products or services.Any application for any product which may be captured or processed through this site is subject to Integer’s specific product terms and conditions and/or credit criteria and no representation is made that the product will be granted any any user in the form described or at all.

You acknowledge that Integer may act as the agent or distributor of another company or entity in offering products through this site or otherwise.

Use of this site shall be construed as consent to the electronic exchange of information to the extent permitted in using the site and you will be deemed to have assumed all the risks implied in such electronic exchange.

The information in the Site is descriptive of Integer as a whole and the services, securities and financial instruments described may not be suitable for you or available in the jurisdiction in which you are located, or may only be available through a branch or an affiliate of Integer that is properly licensed to offer such services, securities or financial instruments in such jurisdiction.

Integer will not treat users of this Site as its clients by virtue of them accessing it. Users of this site should seek the advice of an independent financial adviser prior to taking any investment decision on the basis of any information contained herein and no information herein constitutes general or specific investment, legal, tax or accounting advice of any kind.

The information contained on this Site may relate to the products and services of a person or entity that is located in a jurisdiction other than that in which you are located. Accordingly the rules for the protection of private customers that apply in the jurisdiction in which you are located may not apply in relation to such products and services.

Disclaimer
All opinions and estimates expressed in this Site constitute our judgment as of publication and do not constitute general or specific investment legal, tax or accounting advice of any kind.

Exclusion of Warranties: Exclusion of Liability
THE INFORMATION ON THIS SITE IS PROVIDED ON AN "AS IS," "AS AVAILABLE" BASIS.

INTEGER MAKES NO WARRANTY THAT ACCESS TO THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT VIRUSES OR OTHER HARMFUL COMPONENTS WILL NOT BE TRANSMITTED IN CONNECTION WITH YOUR USE OF THE SITE. INTEGER HEREBY EXPRESSLY DISCLAIMS, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW AND/OR REGULATION, ALL WARRANTIES, EXPRESS, STATUTORY OR IMPLIED, REGARDING THE SITE AND ANY RESULTS TO BE OBTAINED FROM THE USE OF THE SITE AND ITS CONTENTS, INCLUDING BUT NOT LIMITED TO ALL WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE OR USE AND ALL WARRANTIES ARISING FROM COURSE OF PERFORMANCE, COURSE OF DEALING AND/OR USAGE OF TRADE OR THEIR EQUIVALENTS UNDER THE APPLICABLE LAWS AND/OR REGULATIONS OF ANY JURISDICTION.

INTEGER DOES NOT WARRANT OR GUARANTEE THE ACCURACY, TIMELINESS, SUITABILITY, COMPLETENESS OR AVAILABILITY OF THIS SITE OR THE INFORMATION OR RESULTS OBTAINED FROM USE OF IT.

UNDER NO CIRCUMSTANCES AND UNDER NO THEORY OF ANY APPLICABLE LAW AND/OR REGULATION SHALL INTEGER BE LIABLE TO ANYONE FOR ANY DAMAGES ARISING IN DELICT, CONTRACT, STRICT LIABILITY OR OTHERWISE FROM ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THIS SITE OR FROM ANY ACTION TAKEN OR NOT TAKEN AS A RESULT, REGARDLESS OF WHETHER THEY ARE DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY CHARACTER, INCLUDING DAMAGES FOR TRADING LOSSES OR LOST PROFITS, OR FOR ANY CLAIM OR DEMAND BY ANY THIRD PARTY, EVEN IF INTEGER KNEW OR HAD REASON TO KNOW OF THE POSSIBILITY OF SUCH DAMAGES, CLAIM OR DEMAND.

Data Security
Please read our Data Policy from the Privacy Policy.

Links to Other Websites / Content of Other Providers
Activating certain links on this Site may cause you to leave this Site.

Such links, addresses or hyperlinks are provided solely for your convenience and information. Integer has not reviewed any of the websites linked with or connected to this Site, or which provide links to this Site, and does not accept any liability for their contents, the offered products or services or any other offers. Using links from this Site to any website not owned by Integer is at your own risk.

Information We Collect
We may collect information about you when you use this Site or when you apply for or use other services offered by Integer in the following ways:

We may send cookies to your computer. Cookies are strings of information that are sent out by a website and saved in your computer. We may use session specific cookies and "web bugs" to automatically collect data about website usage when you visit this Site, including your IP address, "click-stream" data regarding the portions of the site that you visit and the information or other services you obtain or input (including domain name, Internet service provider, protocol, browser type, operating system etc.) ("Usage Information"). This information is collected primarily for purposes of administering the Site, compiling demographic information and monitoring usage and performance of the Site. If you turn off the cookie function you may not receive all the information on the website.

If you register to use the password-protected or country-specific portions of this Site, we will ask you to provide us with certain information about yourself. This information may include your name, company name, title, address, country of residence, e-mail address, telephone number, account number, assets, income and financial situation. We use such information about you to verify your identity and eligibility to receive certain products or services, to provide information to you about products and services that we believe may be of interest to you, to record your interest in products and services that we offer, and to respond to your requests for information. We may also use cookies or web bugs on such portions of our Site to collect Usage Information, and to facilitate your movement within the Site (e.g. remembering passwords during a session and recording the country you may have elected as your country of residence).

We may collect information concerning the attachments you open within newsletters that are sent to you electronically.

We may also collect personal information about you from applications, forms or questionnaires you may complete or agreements you enter into with us or in the course of your establishing or maintaining a customer relationship with us, including information about your credit history or financial situation, and your transactions with us or others who provide services to us.

If you decline to provide us with the personal information we require then we may not be able to make certain of our products available to you or to provide other services to you.

Security of data transfers
Please note that data that is transported over an open network, such as the Internet or e-mail, may be accessible to anybody. Integer cannot guarantee the confidentiality of any communication or material transmitted via such open networks. When disclosing any personal information via an open network, you should remain mindful of the fact that it is potentially accessible to others, and consequently, can be collected and used by others without your consent. In particular, while individual data packets are often encrypted, the names of the sender and recipient are not. A third party may therefore be able to trace an existing bank account or relationship or one that is subsequently created. Even if both the sender and recipient are located in the same country data may also be transmitted via such networks to other countries regularly and without controls, including to countries that do not afford the same level of data protection as your country of domicile.

For certain services, we use strong encryption to transfer your data (Web Transact, for example). In these cases you will be told separately about the treatment of this data and about the details of encryption.

Your data may be lost during transmission or may be accessed by unauthorized parties. We do not accept any liability for direct or indirect losses as regards the security of your data during its transfer via Internet. Please use other means of communication if you think this is necessary or prudent for security reasons.

Protection, Processing and Use of Personal Data
We use your personal information to enhance the quality of the products or services we wish to provide to our customers or in connection with your relationship with or through us and to maintain contact details for those with whom we deal. We restrict access to personal information about you to those employees, agents or other parties who need to know that information to provide products or services to you or in connection with your investments with or through us. We maintain physical, electronic and procedural safeguards to guard your personal information, including firewalls, individual passwords and encryption and authentication technology. We do not use for purposes other than as set out above, or disclose to any third party any personal information about our customers or former customers, except with such customer’s consent or as otherwise permitted or required by law. In cases where we believe that additional products and services may be of interest to you, we may share your personal information with affiliates of Integer to the extent permitted by applicable law. We may also disclose this information to firms that perform services on our behalf to the extent permitted by applicable law. These service providers are required to treat the information confidentially and use it only for the purpose for which it is provided. Certain jurisdictions may have more stringent privacy requirements that will prevent disclosure of your personal information to any other person or entity, including affiliates.

We will retain your personal information in accordance with applicable data protection laws for so long as it is needed.

Links
This Site may contain hyperlinks to other websites that are not operated or monitored by Integer. These other websites are not subject to this Policy and we are not responsible for their content or for the policy they apply to the treatment of personal data. We recommend that you read the policy used by these websites and check how these websites protect your personal data and whether they are trustworthy.

Terms of Use
By accessing this website, the pages contained on it, and viewing or using the products, information, services, information, tools and material contained or described herein (the "Site"), you acknowledge your agreement with and understanding of these terms of use.

Privacy Policy
Last updated: September 2007

Integer and all its subsidiaries and affiliates (hereinafter referred to as "Integer", "we" or "us") is committed to maintaining the privacy of every current, former and prospective customer and user of this site.

We recognize that you entrust important personal information to us, and we wish to assure you that we take our responsibilities in protecting and safeguarding this information seriously. This Privacy Policy ("Policy") describes in detail how we deal with information that we collect on this website (the "Site").

This Policy may be updated at any time. Please ensure that you regularly read the latest version of this page. The first paragraph of the Policy tells you when the last update was made.

SECURITY

Security
Integer has developed and follows robust and best practice security measures in order to protect your communications through this site and with your account (subject to the WebTransact Terms and conditions.)

But you also play an important role: please familiarise yourself with WebTransact Terms and conditions so that you are aware of how to access your accounts safely. Your access details are key to your security and should be kept safely and confidential to you.

Security in-depth
Integer take seriously the secure transmission of your information. We implement the latest methods of internet security to monitor and increase the integrity of our system.

These methods include the incorporation of router, operating system level and application level controls; firewalls; report consolidation methods; and security monitoring devices, like intrusion detection systems and scanners. Each of these pieces is layered on the others to create overlapping controls. In other words, in the unlikely event that one level of security is breached, there are still other levels in place. This is referred to as 'security in-depth'.

WEBTRANSACT

Agreement between user and Integer WebTransact
The Integer WebTransact Web Site is comprised of various Web pages operated by Integer WebTransact.

The Integer WebTransact Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Integer WebTransact Web Site constitutes your agreement to all such terms, conditions, and notices.

Modification of these terms of use
Integer WebTransact reserves the right to change the terms, conditions, and notices under which the Integer WebTransact Web Site is offered, including but not limited to the charges associated with the use of the Integer WebTransact Web Site.

Links to third party sites
The Integer WebTransact Web Site may contain links to other Web Sites ("Linked Sites"). The Linked Sites are not under the control of Integer WebTransact and Integer WebTransact is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Integer WebTransact is not responsible for webcasting or any other form of transmission received from any Linked Site. Integer WebTransact is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Integer WebTransact of the site or any association with its operators.

No unlawful or prohibited use
As a condition of your use of the Integer WebTransact Web Site, you warrant to Integer WebTransact that you will not use the Integer WebTransact Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Integer WebTransact Web Site in any manner which could damage, disable, overburden, or impair the Integer WebTransact Web Site or interfere with any other party's use and enjoyment of the Integer WebTransact Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Integer WebTransact Web Sites.

Use of communication services
The Integer WebTransact Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.

Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.

Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.

Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.

Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.

Conduct or forward surveys, contests, pyramid schemes or chain letters.

Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.

Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.

Restrict or inhibit any other user from using and enjoying the Communication Services.

Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.

Harvest or otherwise collect information about others, including e-mail addresses, without their consent.

Violate any applicable laws or regulations.

Integer WebTransact has no obligation to monitor the Communication Services. However, Integer WebTransact reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Integer WebTransact reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

Integer WebTransact reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Integer WebTransact's sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Integer WebTransact does not control or endorse the content, messages or information found in any Communication Service and, therefore, Integer WebTransact specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Integer WebTransact spokespersons, and their views do not necessarily reflect those of Integer WebTransact.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

Materials provided to Integer WebTransact or posted at any Integer WebTransact web site
Integer WebTransact does not claim ownership of the materials you provide to Integer WebTransact (including feedback and suggestions) or post, upload, input or submit to any Integer WebTransact Web Site or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Integer WebTransact, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. Integer WebTransact is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in Integer WebTransact's sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

Liability disclaimer
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE Integer WebTransact WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. Integer WebTransact AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE Integer WebTransact WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE Integer WebTransact WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

Integer WebTransact AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE Integer WebTransact WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. Integer WebTransact AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL Integer WebTransact AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE Integer WebTransact WEB SITE, WITH THE DELAY OR INABILITY TO USE THE Integer WebTransact WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE Integer WebTransact WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE Integer WebTransact WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF Integer WebTransact OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE Integer WebTransact WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE Integer WebTransact WEB SITE.

Service contact : riaan.venter@emid.co.za

Termination / Access restriction
Integer WebTransact reserves the right, in its sole discretion, to terminate your access to the Integer WebTransact Web Site and the related services or any portion thereof at any time, without notice. GENERAL To the maximum extent permitted by law, this agreement is governed by the laws of the State of Washington, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in King County, Washington, U.S.A. in all disputes arising out of or relating to the use of the Integer WebTransact Web Site. Use of the Integer WebTransact Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Integer WebTransact as a result of this agreement or use of the Integer WebTransact Web Site. Integer WebTransact's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Integer WebTransact's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Integer WebTransact Web Site or information provided to or gathered by Integer WebTransact with respect to such use.

If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Integer WebTransact with respect to the Integer WebTransact Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Integer WebTransact with respect to the Integer WebTransact Web Site.

A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.

Copyright and trademark notices
All contents of the Integer WebTransact Web Site are: Copyright 2008 by Integer. and/or its suppliers. All rights reserved.

Trademarks
The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

Notices and procedure for making claims of copyright infringement
Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider's Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.

BONDGURU CALCULATORS

Disclaimer
All rates and fees in the calculations are indicative only and provided as a illustrative guide for users of this site. While every effort has been made to ensure the accuracy and applicability of the tools and calculations, in no way should any resultant calculation be relied on as a definitive guide to any interest rate or payment profile that may be granted to any customer.

Specifically the calculations or results may vary with the provision of more information or the choice of different products or options. The provision of this tool in no way represents a guarantee or an undertaking that Integer will grant any user of this site and specifically the user of any tool or calculator a Loan or guarantees the interest rate and/or terms at which a Loan may be granted and will not bind Integer SA and / or its affiliates in any respect.

You should request formal and specific confirmation of any results from us before placing any reliance thereon. In addition, because the results depend on information inputted by you, and due to the conditions outlined herein we shall not be liable for any loss or damage which you may suffer if you rely on the results.

THE INTEGER BRANDED VISA DEBIT CARD

TERMS AND CONDITIONS FOR THE USE OF YOUR “INTEGER” BRANDED VISA DEBIT CARD

The Integer branded Visa Debit card (defined below as “the Card”) is issued to you by Bidvest Bank at the request of Integer. The Card which is made available to you on the basis of your Home Loan Application is subject to the following Terms and Conditions:

DEFINITIONS

“Account” means the transactional Card linked Account opened by Integer.
“Agreement” means the contract between you, Bidvest Bank and Integer, set out in these Terms and Conditions.
“ATM” means an automated teller machine or any card operated machine or device or to Visa®’s ATM Network which accepts the Card or any other similar international network in which we may participate.
“Bidvest Bank” means Bidvest Bank (previously known as Rennies Bank) Limited (Registration No. 2000/006478/06).
“Card” means any card or cards issued by Bidvest Bank as a debit card bearing the name Integer and/or the service mark of VISA (whether or not it also bears the name and/or mark of any other person or entities) and include any such card issued in replacement or renewal thereof.
“Cardholder” means any person to whom a Card is issued by Bidvest Bank and authorised to transact on the Account.
“Card Limits” means the various limits prescribed by us in relation to ATM cash withdrawals, POS transactions and Cash Back.
“Card Transaction” means any payment made or any amount charged for any goods, services and/or other benefits, withdrawal or transfer effected through the use of the Card in conjunction with the PIN of the Card at such ATMs and Merchant outlets and on such conditions as we may prescribe.
“Cash Back” means the amount dispensed/withdrawn from the Merchants’ point of sale terminals.
“Common Monetary Area” means Swaziland, Namibia, Lesotho and South Africa.
“Home Loan” means the home loan offering provided by Integer to you secured by a mortgage bond over your property.
“Home Loan Application” means your application for a Home Loan.
“Integer” means Integer (Pty) Ltd (Registration No. 201988/000944/07)
“Merchant” means any person, firm or corporation having a subsisting agreement with Bidvest Bank and Visa relating to the use and/or acceptance of a Card in payment to such person whether for goods, services or charges incurred, and which entity displays the Visa Acceptance Mark.
“Merchant transaction” means a transaction entered into between you and a merchant.
“Our” means Integer’s.
“PIN” means a personal identification number, numeric symbols assigned by us (whether or not applied by you)
“POS” means a Merchants’ point of sale terminal.
“Their” means Bidvest Bank’s.
“Visa” means Visa International Services Association (and all of its subsidiaries and affiliates) or one of its successors or assigns.
“Visa Rules” means those rules, regulations, by laws as published from time to time by Visa, as amended, modified or substituted from time to time.
“We” and “us” means Integer.
“You” means the Account Holder.
“Your” means the Account Holder’s.

ISSUE OF THE CARD

These Terms and Conditions (“this agreement”) shall apply without exception on issue of the Card and any additional and replacement Cards;
Upon receipt of the Card, you are requested immediately to sign the back of the Card in the space provided, with a ballpoint pen for security purposes;
The Card is valid from the date of issue until the last day of the month reflected on the front of the Card, the date the Account is closed, or the date your right to use the Card is terminated in terms of clause 10;
The Card belongs to Bidvest Bank and will remain its property at all times;
If at your request we issue an additional Card on your Account for use by a person nominated by you, you will be responsible for any debit amounts arising through the use of the Card;
The issue of additional Cards will not affect any Integer Credit facility granted on your Account;
You will be charged our current fees and charges as are provided in our fees schedule on our website www.integer.co.za for the issue and use of such Cards.

USE OF THE CARD

You are the only person who may use your Card and you should not allow any other person to use it;
The Card is issued to you with a unique PIN;
When paying for goods at a merchant, you will be requested to sign the transaction slip if the transaction was successful;
Should you enter the PIN incorrectly in 3 consecutive attempts on one day, further access will be denied until the day thereafter;
Should the PIN be forgotten or compromised, a new Card and PIN will be issued at your request via the Integer Client Contact Centre (0861 4 66 33 4);
You must comply with exchange control regulations when using the Card outside the Common Monetary Area.
Should you request Account information from the Integer Client Contact Centre, you will be obliged to answer correctly a number of security questions to confirm your identity;
You may not use the Card for transactions that will exceed the Integer daily transactional limits and the Integer Credit facility granted on your Account;
Any Credit facility which Integer may grant will be governed by the Integer Credit facility Terms and Conditions;
You will use the Card at your own risk. We will not be responsible for any loss, theft or fraud resulting from such use;
The Card may not be used for any unlawful purpose, including the purchase of goods or services prohibited by local law applicable in the Republic of South Africa;
You must comply with all relevant legislation at all times, including but not limited to legislation applicable to the combating of money laundering.

AUTHORITY TO DEBIT YOUR ACCOUNT

You hereby authorise us to debit your Account with:
- All payments to merchants for purchases made by you using your Card or where we act on any instruction from you; debit order and 3rd party transfer instructions, regardless of whether the slip or vouchers are signed;
- Our standard service fees (where applicable) and those penalties specified by us as per the attached fee schedule;
- You will be notified of fee changes from time to time;
- All applicable government levies in respect of the use of the Card;
You will remain liable for any debit amount until your Account is in credit;
Should you have a dispute with a supplier, we are unable to reverse or charge back any payment. Any such dispute must be resolved by you, with the supplier or merchant.

ELECTRONIC PAYMENT INSTRUCTIONS

Should you utilise any electronic payment system such as internet banking, POS and/or ATM networks:
- You are obliged to provide the beneficiary’s correct account number and bank details;
- We rely on the information provided by you and we are not obliged to check that the name of the beneficiary accords with the account number, and
- You have no right to recall a payment instruction and we cannot recall, correct or cancel a payment, or demand repayment. The same applies to the beneficiary’s bank.

AUTHORISED USE

The safekeeping of your Card and PIN is your responsibility and you should keep any record of the PIN separate from the Card and in a safe place;
If your Card is lost or stolen or your PIN has become known to another person, you must notify the Integer Client Contact Centre immediately. Delay in notifying Integer of the loss or theft of your Card will be deemed to be negligence on your part;
Integer will stop the Card as soon as reasonably possible after being advised;
You will be responsible for all amounts debited to your Account through use of the Card prior to you notifying us that the Card has been lost or stolen;
You may dispute that any purchase or withdrawal debited to the Account was authorised by you. We will investigate the matter after we receive an affidavit from you to the effect that you did not authorise the transaction.

STATEMENTS

We shall provide monthly statements of the Account showing the transactions entered into by use of your Card, as well as other applicable fees and charges in respect of your Account;
If you believe that your transaction history contains errors you must notify the Integer Client Contact Centre of the error in writing within 30 (thirty) days of receipt of the transaction history, failing which you will have no claim whatsoever in respect of or arising from such error(s).

INTEREST

We will pay you interest, at a rate which will be determined by us from time to time, in respect of any daily credit balances in your Account. Such interest will be credited to your Account on a monthly basis;
You will pay interest at the rate determined in the Integer Credit Facility Agreement Terms and Conditions, in respect of any debit balances on your Account. Such interest will accrue on a daily basis from the day after the date of the debit balance upon and including the date on which full repayment is credited to our Account, and will be compounded monthly in arrears;
In the absence of an allocation, all deposits to your transactional account will be credited firstly to service fees and interest and finally to the principal debt;
International purchase and ATM withdrawals are converted to Rand at the prevailing wholesale exchange rate.

OPTIONAL SERVICE AVAILABLE ON THE CARD

You may avail of a messaging service, which enables you to track your transactions on your account.
You will receive real-time confirmation by SMS or e-mail of deposits into your account, electronic transfers, withdrawals and purchases, which will be sent to your nominated cellphone or e-mail address.
You are responsible for ensuring that we have your correct cellphone and e-mail address at all times.
We will not be responsible if an SMS or e-mail is sent to the incorrect number or address if you have not updated your records with us.
We cannot guarantee the accuracy or arrival time of an SMS or e-mail, as we are dependent on external service providers who are responsible for the delivery of the information.
Whilst we will use our best endeavours to ensure the integrity and content of any SMS or e-mail, sent to you, your monthly statement will remain the definitive record of your account transactions.

TERMINATION OF THE RIGHT TO USE THE CARD AND CLOSING OF THE ACCOUNT

You may terminate your right to use the Card at any time on written notice to us. The Card must be destroyed by cutting through the magnetic stripe and the Card number so as to prevent further use. A Card that is not destroyed correctly may still be used and you will be held liable for the transactions;
We may at our sole discretion close your Account and terminate your right to use the Card, at any time on 10 business days’ written notice to you. You should destroy your Card as set out in Clause 10.i above;
You will remain liable for all transactions effected subsequent to the Account being closed;
We shall be entitled to inform any Merchant, credit reference agency or other person entitled to such information of the closing of the Account after giving you 20 business days notice of our intention to do so.

CONSENTS AND CONDUCT OF THE ACCOUNT

You, the Accountholder agree that we:
- May enquire about your credit record with any credit reference agency and any other party to confirm the details on the application;
- May provide regular updates regarding the conduct of the Account to the credit reference agencies and the Credit Providers Association.

LIABILITY

Integer and Bidvest Bank shall not be liable to you:
- for any loss or damage that you may suffer as a result of our provision of incorrect information to any person (including any credit reference agency) if such information was provided by Integer and/or Bidvest Bank in good faith;
- as a result of any terminal failure or malfunction beyond Integer and/or Bidvest Bank’s reasonable control as a result of the failure or malfunction of any other device used to produce or process transactions with the Card;
- if any Merchant does not accept the Card or Integer and/or Bidvest Bank refuse to authorise any transaction on the Card;
- for any loss or damage of whatsoever nature and howsoever arising from all other causes.

ADDRESSES AND NOTICES

We shall send notices to the postal address or, where applicable for legal proceedings, to the street address specified on your home loan application form or otherwise elected by you.
You must notify us in writing immediately if your chosen street address changes;
You shall send any notices or other communication to: Integer Transactional Card Services, Suite 233, Private Bag X335, Cape Town 8000;
We are entitled, but not obliged, to send you any notices to an e-mail address you specified on your application form. Such e-mail communication will be regarded as having been received by you, unless the contrary is proved.

GENERAL

You may not vary or amend any of these Terms and Conditions;
On renewal or replacement of your Card, current Terms and Conditions will be provided. By using your Card you will be deemed to have accepted the rules in force at the time;
If there is a difference between our records and your records, our records will be binding unless you satisfy us to the contrary;
If a cheque or other negotiable instrument is deposited into and credited to your Account, it will be available as cash only after it has been honoured;
We will be entitled to debit your Account with the amount of that cheque or negotiable instrument plus the resultant fee as per the fee schedule on our website www.integer.co.za, if it is dishonoured;
These Terms and Conditions may be amended by Bidvest Bank or Integer from time to time. The amended Terms and Conditions will be displayed on the website www.integer.co.za, and will also be available from the Integer Client Contact Centre on 0861 4 66 33 4.
If we take legal action against you to recover any amount due to us in terms of this Agreement, you will be liable for our costs (including all legal fees and collection commission) on the scale as between attorney and own client;
You agree that we may take any legal action against you in the Magistrates Court, even if our claim against you exceeds the jurisdiction of the Magistrates Court;
A certificate signed by any of our managers (whose appointment need not be proved) as to the amount of your debt to us, the fact that the amount is payable, the rate of interest payable and the date from which such interest is calculated, will be sufficient proof of the facts stated in the certificate unless the contrary is proved;
You must immediately inform us if you are placed under administration, become insolvent or have any other form of legal disability;
Every provision of this Agreement is deemed to be separate and severable, the one from the others. Should any provision be found to be unenforceable for any reason, the remaining provisions shall nevertheless continue to be of full force and effect;
The Agreement will be governed by and construed in accordance with the laws of the Republic of South Africa;
You hereby instruct and authorise us to hand your Card and PIN to our courier service company, for collection by you or delivery to you, and you hereby indemnify us against any claims, damages and losses arising from this authority and instruction.

Integer is a Registered Credit Provider (NCRCP1625)
and an Authorised Financial Services Provider.