By using this website you consent to be bound by the website terms and conditions of Credit Ombud Association. With Public Benefit Organisation number 930028754 (“CREDIT OMBUD ASSOCIATION”).
This website, www.creditombud.org.za, provided by CREDIT OMBUD ASSOCIATION, may be used for informational purposes only. By using the website or downloading materials from the website, you agree to be bound by the terms and conditions set forth herein. If you do not agree to be bound by these terms, do not use the website or download materials from the website. The website includes links to other websites operated by affiliates of CREDIT OMBUD ASSOCIATION. Use of such websites shall be subject to the terms and conditions particular to such websites. In addition, you may be required to agree with other terms and conditions (including but not limited to those of an “End User License Agreement”) when you download certain contents, which, in the avoidance of doubt and in the case of possible conflict, will prevail.
Use of materials
CREDIT OMBUD ASSOCIATION or third parties who have licensed specific products shall reserve all intellectual property rights (the rights which could be protected by the copyright law, the design law, the trademark law and other intellectual property laws) concerning any documents, programs, movies, animations, articles, sketches, drawings, software, databases, trademarks, logos and other materials available on the website (the “Information”). Except to enable your personal use of the Information available on the website as well as rights granted to you under applicable mandatory law, you are prohibited from reproducing, distributing, modifying, displaying, showing, publicly transmitting or otherwise creating derivative products of any of the Information, in whole or in part, regardless of medium, without prior written permission from the intellectual property right owner(s).
Links to other sites
Any sites of third parties linked to or from the website are not under the control of CREDIT OMBUD ASSOCIATION, and CREDIT OMBUD ASSOCIATION is not responsible for the contents of any such linked site. CREDIT OMBUD ASSOCIATION provides those links to you only for your convenience, and the inclusion of any link to a site does not imply endorsement of the site by CREDIT OMBUD ASSOCIATION .
Protection of personal data
CREDIT OMBUD ASSOCIATION respects your privacy. You can access and browse most of the website without disclosing your personal data and save information collected by cookies that we use. When we collect or use your personal data, we will protect your privacy and adhere to applicable South African law protecting Personal Data. As the website may contain third party links, CREDIT OMBUD ASSOCIATION shall not be held responsible for how your personal information may be used when accessing or browsing these linked sites.
A cookie is a text file that a website transfers to your computer’s hard disk to make the website work more efficiently.
This website uses the following two types of cookies: Session Cookies – these are temporary cookies that remain on your computer until you leave the website. Persistent Cookies – these remain on your computer after you leave the website.
These cookies are used for:
* Recording settings/changes made by you;
* Storing information locally rather than on the website for faster access;
* Storing persistent information to be passed between two or more pages;
* Recording what section/language of website you visit (to return you there directly)
* Helping us to recognise you when you return to the website and allow us to tailor content or advertisements to match your preferred interests or to avoid showing you the same adverts repeatedly.
We may use third parties to assist in this monitoring and analysis
You have the ability to accept or decline cookies by modifying the setting in your browser. Please note that you may not be able to use all the interactive features of the website if cookies are disabled. You can find information on popular browsers and how to adjust your cookie preferences at the following websites:
Any trade names, logos and product names of any companies appearing on the website are trade names or trademarks of those respective companies.
If any provision of these Terms is found to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these Terms are intended to be effective, then, within such state or country, to the extent such provision is illegal, invalid or otherwise unenforceable, it shall be severed from these Terms. Any such illegality, invalidity or unenforceability shall not affect the other provisions of the Terms, which shall remain in full force and effect.
These Terms and any matter arising from or in connection with these Terms shall be governed by and construed in accordance with South African law and the South African courts shall have exclusive jurisdiction over any claim or matter arising from or in connection with these Terms.
Please email: firstname.lastname@example.org
Alternatively, please write to us at:
P.O. Box 805
telephone CREDIT OMBUD ASSOCIATION on +27 11 781 6431
© 2016 CREDIT OMBUD ASSOCIATION. All Rights Reserved.