Terms of Service


The Company: Means the legal entity listed in the footer of this website. Any reference to “we” and/or “our” shall be construed as reference to The Company.

The Service: Refers to the products and services described on this website to which The Client has subscribed for.

The Client: Means the consumer who has duly completed the registration process for The Service and who has agreed to these terms and conditions of service. Any reference to “you” and/or “your” shall be construed as reference to The Client.

Payment Processor: Means any Payment Service Provider, Acquiring Bank or any other similar organisation or party, with whom The Company has a direct or indirect commercial relationship, in terms of which money may on behalf of The Company be debited or credited to The Client.

Billing Currency: Means the currency in which Registration Fees and Subscription Fees are calculated and billed.

Benefit Currency: Means the currency in which the respective Service Benefits are calculated, and as published on this website.

Payment Currency: Means any currency, which The Company may elect to use for the collection of payments from The Client in respect of amounts calculated in the Billing Currency; and/or for the pay-out of respective Refunds, Rewards or Service Benefits to The Client from time to time, as calculated in the Benefit Currency.


The Client hereby acknowledges and agrees to the following: it is the sole responsibility of The Client to ensure that The Client reads these conditions carefully before using any of the services provided by The Company under this website by registering under this website and/or using our services. The Client signifies The Client’s agreement to be bound by these Terms and Conditions as set forth hereunder, it is the sole responsibility of The Client to ensure that The Client acquaints itself with the contents of any updated Terms & Conditions which may be published by The Company under this website from time to time; and The Company offers a wide range of services which may under certain circumstances require that certain terms be varied and/or that additional terms be applied by The Company and/or that certain parts of the services be substituted and in any such event the company will publish same under our website and inform The Client accordingly.

Merchant of Reference

The Company is the Merchant of Reference and the sole owner and operator of this product URL.

Subscription Service Bundle

Our Subscription Service Bundle consists out of various Service Components as described on this website, for which The Client, has subscribed during our registration process pursuant to this website. These individual Service Components may be offered to you as part of your Monthly Subscription Fee or Free of Charge as an added value benefit to you.

Service Options, Registration & Subscription Fees

You may choose one of our 3 service options during your online registration process (Bronze, Silver or Gold).

Subject to these Terms & Conditions, The Client’s monthly Subscription Fee will entitle The Client to All the product benefits included under The Client’s selected service option.

All our product service options require you to pay applicable registration fees. These registration fees may be processed via a secure card association (Master/VISA/CUP) process for online transactions, or via recurring card not present protocol.

Should you not make payment of these registration fee, you will still be regarded as an active customer, but will be prohibited from making use of any of our services, until you have paid your registration fees via an approved secure online process.

Your Monthly Subscription Fees will be collected each month from your indicated card account, on, or as close as possible to, the day that you normally receive your income, as indicated by you. We may re-present any failed transactions against your indicated card account on any subsequent day in our sole discretion.

Your applicable monthly subscription fee is payable in advance each month from date of registration, on or close to, your salary day, until cancellation of this service agreement. You hereby irrevocably authorise and instruct us, directly or indirectly, to collect any money due by you and to pay any money due to you, via your nominated debit card or credit card, as may be substituted from time to time.

We may change any of our fees and any other conditions when deemed necessary by us, and we shall inform you in writing about such changes in advance by at least 15 days via any form of electronic communication.

Product Pricing & Benefits

The product pricing and benefits, as set out in our product website, in the Billing Currency will apply, subject to change from time to time, and as published on this product website:

All prices are inclusive of VAT and or other sales taxes.

Payment Currency

The Company may process the payment of any applicable fees in an equivalent amount in another currency, other than the Billing Currency, should we be unable to process payments in the Billing Currency, for whatsoever reason.

We shall endeavour to ensure that the converted amount in the Payment Currency is as close as possible to the Billing Currency amount in value. We reserve the right to calculate the Payment Currency conversion rate at our own discretion, within reason.

General Provisions

All the information you provide us should be true and correct and will be treated as confidential. We may, however, provide such information to any third party to assess your application or render “The Service”, or upon default.

You acknowledge that we may communicate with you from time to time via any electronic communication channel available for any reasonable reason.

Should we provide any third-party insurance products as part of “The Service”, these products will have their own terms and conditions, that would be sent to you via separate communication. No benefits or service requests will be honoured if service fees are in arrears or short paid.

Payments Policy

Processing of all applicable payments are provided by reputable Payment Processors. Card transactions will be acquired for us via approved payment gateways. Our chosen Payment Processors use the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no Card details are stored on the website.

Our payments are fully PCI DSS Compliant. Compliance with PCI DSS means inter alia that our payment provider has its systems secured and customers can trust us with their sensitive payment card information. PCI DSS is an active certification and ongoing oversight by independent auditors who are procured to ensure that we are always compliant.

We may accept VISA®, VISA Electron®, MasterCard®, Maestro®, China UnionPay® Diners or American Express.

We require your card number, the expiry date, the CVV number (that’s usually the last 3 digits on the back of your card) and your name exactly as it appears on the front of the card.

Registration Fees may be deducted upon date of registration or any time thereafter. Monthly Subscription Fees will be deducted as close as possible to your indicated salary payment date. You have also authorised us to re-present payments against your card, should initial presentment fail.

Payment Cards used for the first time on our website together with any large or unusual payment card transactions will need to be validated by the issuing bank or the cardholder before your order can be processed.

Card Holder Jurisdiction

The cardholder is responsible for any / all extra charges applied within their states and / or country. Any and all jurisdictional laws within the cardholder’s state and / or country surrounding these types of transactions are the responsibility of the cardholder.

Consumer Satisfaction

All sales are 100 percent guaranteed for consumer satisfaction.

We do not accept payment by cash or money order. We accept Visa, MasterCard or China UnionPay payments only by using a secure server payment gateway. When charged, The Company reference will appear on your card statement.


The Client hereby undertakes to review and familiarise itself with our Privacy Policy, to ensure that The Client understands our practices.

Electronic Communications

When you use any of our services or send emails to us, you are communicating with us electronically. We will communicate with you by e-mail or by posting notices on the website or through other Services of The Company. For contractual purposes, you consent to receive communications from us electronically and you agree that all agreements, notices, disclosures, and other communications that we provide you electronically satisfy any legal requirement that such communications be in writing, unless mandatory applicable laws specifically require a different form of communication.

Ownership Rights

All content included in or made available, such as text, graphics, logos, button icons, images, audio clips, digital downloads and data compilations is the property of The Company or its content suppliers and is protected by international copyright, authors’ rights, and database rights laws. The compilation of all content included in or made available, is the exclusive property of The Company and is protected by international copyright and database rights laws.

You may not extract and/or re-utilise parts of the content without our express written consent. You in particular may not utilise any data mining, robots, or similar data gathering and extraction tools to extract (whether once or many times) for re-utilisation any substantial parts of the content, without our express written consent. You may also not create and/or publish your own database that features substantial parts (e.g. our prices and product listings) without our express written consent.

License & Access

Subject to your compliance with these Terms of Service and your payment of any applicable fees, The Company or its content providers grant you a limited, non-exclusive, non-transferable, non-sub-licensable licence to access and make personal and non-commercial use of the service. This licence does not include any resale or commercial use of the service or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of the service or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools.

All rights not expressly granted to you in these Terms of Service are reserved and retained by The Company or its licensors, suppliers, publishers, rights holders, or other content providers. The service, may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without our express written consent. You may not frame or use framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of The Company without our express written consent. You may not use any meta tags or any other “hidden text” utilising The Company’s names or trademarks without our express written consent.

You may not misuse the service. You may use the service only as permitted by law. The licenses granted by The Company pursuant to this agreement may at any time be terminated by The Company if you in any manner do not comply with these Terms of Service.

Reviews & Contents

Visitors may post reviews, comments and other content; send e-cards and other communications; and submit suggestions, ideas, comments, questions or other information, as long as the content is not illegal, obscene, abusive, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings or any form of “spam”. You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. We reserve the right to remove or edit such content. If you believe that any content on or advertised for sale on the service contains a defamatory statement, or that your intellectual property rights are being infringed by an item or information on the service, please notify us by submitting a formal notice to us and we will respond.

If you post content or submit material, and unless we indicate otherwise, you grant: (a) The Company a non-exclusive, royalty-free and fully sub-licensable and transferable rights to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media; and (b) The Company, its sub-licensees and transferees the right to use the name that you submit in connection with such content, if they choose. No moral rights are assigned under this provision.

You agree that the rights you grant above are irrevocable during the entire period of protection of your intellectual property rights associated with such content and material. To the extent permitted by law, you agree to waive your right to be identified as the author of such content and your right to object to derogatory treatment of such content. You agree to perform all further acts necessary to perfect any of the above rights granted by you to The Company including the execution of deeds and documents, at our request.

You represent and warrant that you own or otherwise control all of the rights to the content that you post; that, as at the date that the content or material is posted: (i) the content and material is accurate; and (ii) use of the content and material you supply does not breach any applicable policies or guidelines and will not cause injury to any person or entity (including that the content or material is not defamatory). You agree to indemnify The Company for all claims brought by a third party against The Company arising out of or in connection with the content and material you supply except to the extent that any liability arises from our failure to properly remove the content when it is notified of the illegal nature of the content arising out of or on the grounds of or originating from the content that you have communicated to us.

Intellectual Property Claims

The Company respects the intellectual property of others. Please see our Privacy Policy for more information.


We will do our utmost to ensure that availability of the service will be uninterrupted and that transmissions will be error-free. However, due to the nature of the internet, this cannot be guaranteed. Also, your access to the service may also be occasionally suspended or restricted to allow for repairs, maintenance, or the introduction of new facilities or services. We will attempt to limit the frequency and duration of any such suspension or restriction.

The company will not be responsible for losses that were not caused by any breach on our part, or any business loss (including loss of profits, revenue, contracts, anticipated savings, data, goodwill or wasted expenditure), or any indirect or consequential losses that were not foreseeable to both you and us when you commenced using The Company Services.

The Company will not be held responsible for any delay or failure to comply with our obligations under these conditions if the delay or failure arises from any because which is beyond our reasonable control. This condition does not affect your legal right to have goods sent or services provided within a reasonable time or to receive a refund if goods or services ordered cannot be supplied within a reasonable time owing to a cause beyond our reasonable control.

The laws of some countries do not allow some or all, of the limitations described above. If these laws apply to you, some or all the above limitations may not apply to you and you might have additional rights.

Nothing in these conditions limits or excludes our responsibility for fraudulent representations made by us or for death or personal injury caused by our negligence or wilful misconduct.

Country of Domicile & Applicable Law

The Company is incorporated in the Republic of South Africa and subject to its laws, regulations and treaties.

The Company chooses the address as stated in the Contact Us page of this website as its domicilium citandi et executandi for all purposes under this agreement, whether in respect of court process, notice, or other documents or communication of whatsoever nature.

Alterations & Severability

The Company may, in its sole discretion, change this agreement or any part thereof at any time without notice.

We reserve the right to make changes to any of The Company Services, policies, terms of service including these Terms of Service at any time. You will be subject to the Terms of Service and policies in force at the time that you use The Company Services. If any of these Terms of Service is deemed invalid, void, or for any reason unenforceable, that condition will be deemed severable and will not affect the validity and enforceability of any remaining condition.


If you breach these Terms of Service and we take no action, we will still be entitled to use our rights and remedies in any other situation where you breach these Terms of Service.


We do not sell products for purchase by children. If you are under 18 you may use The Company’s services only with the direct approval and involvement of a parent or guardian.

Our Policy in Respect of Chargebacks

When a transaction is disputed, the bank which issued the related card (Issuer Bank) and the Merchant`s bank which is sponsoring the account of the related Merchant (Sponsor/Acquirer Bank), operate according to clearly defined and well-established procedures to resolve the aforesaid dispute.

These procedures are designed to establish whether the Merchant should receive (or retain) the payment pertaining to the disputed transaction (as processed) or whether the funds should be returned to the Cardholder’s account.

The process of returning the funds to the Cardholder or the Accountholder is known as a Chargeback.

Chargebacks are thus the full reversal of processed transactions by the Issuer Bank.

We only take responsibility for Chargebacks and any fines, fees and assessments arising from the applicable regulatory bodies related to or arising from any such fraudulent transactions.

You fully indemnify and keep indemnified The Company, its directors, employees, group companies, affiliates, Processing Partners, sub-contractors and agents and assignees from and against: All Chargebacks and Refunds related to any transaction processed on behalf of The Company; and any Payment Card Associations’ fines, fees penalties and assessments and acquirers’ administrative charges and any fines, fees and assessments arising from the applicable regulatory bodies related to or arising from any Chargebacks, Refunds or fraudulent Transactions.

Customer details

Customer details will be stored by The Company separately from card details which are entered by the client on the payment service provider’s secure site.


The Company takes responsibility for all aspects relating to the transaction including sale of goods and services sold on this website, customer service and support, dispute resolution and delivery of goods.

Copyright Policy & Privacy Policy

This website and its content may not be reproduced, duplicated, copied, resold, visited or otherwise exploited for any commercial purpose without the express prior written consent of The Company. The license granted hereunder does not allow you to collect product or service listings, descriptions or other information displayed here, and does not allow any derivative use of this website or the content for the benefit of another merchant. You may not frame nor use framing technologies to enclose The Company Websites or the Contents nor any part thereof without the express written consent of The Company.

OFAC Compliance

The Office of Foreign Assets Control (OFAC) of the U.S. Department of Treasury administers and oversees a series of laws that impose economic sanctions against hostile entities to further U.S. foreign policy and national security objectives. OFAC is responsible for promulgating, developing and administering the sanctions for the Treasury under all federal statutes. The OFAC laws and regulations promote national and international security by requiring asset freezing of: Oppressive governments, International terrorists, Narcotics traffickers, or other specially designated nationals (SDNs) and blocked persons.

The Company adheres to the OFAC regulations.


This document and any of our other documentation, including, but not limited to, Terms of Service of Service, General Legal Documentation, Computer Software User Interfaces, Marketing Material, Disclaimers, Privacy Policies and Collection Mandates, is published in English and is subject to applicable laws and regulations. These documents, software or material may be translated into other languages and published by us, for the benefit of consumers in other jurisdictions. Should any part of such translated versions of any such material differ in any way from the original English, the original English version will take preference.


To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered, or destroyed. If you provide us with sensitive information, such as login credentials and credit card information, such information is encrypted using secure socket layer technology (SSL) and stored with AES-256 encryption. Although no method of transmission over the Internet or electronic storage is 100 percent secure, we follow all PCI-DSS requirements use generally acceptable commercially standards to protect your personal information. and implement additional generally accepted industry standards.