Terms and Conditions

These Website Terms and Conditions of Use relate to Clean My Name (“the Provider”) and its website located at www.cleanmyname.co.za (“the Website”). By accessing and using the Website, or by indicating your acceptance of these terms by clicking on the "I accept these terms" button, you (“the User”) agree to be bound by these Terms and Conditions. The content of this Website is proprietary to the Provider, and users may not use, display, download, or distribute any content for purposes beyond those set out in these Terms and Conditions without prior consent from the Provider.

Your attention is specifically drawn to clauses that may:

Limit the Provider's liability
Place responsibility on the User
Impose obligations on the User
Acknowledge certain facts by the User

CONTRACTUAL CAPACITY TO ACT
By using this Website, the User warrants that they are at least 18 years old and have the necessary legal capacity to enter into this agreement. If acting on behalf of a company or other legal entity, the User agrees to bind both themselves and the entity to these Terms and Conditions and confirms that they have the authority to do so.

ELECTRONIC COMMUNICATIONS
By using the Website and communicating electronically with the Provider, the User consents to receiving communications via email. The User acknowledges that such communications, including agreements, notices, and disclosures, are deemed to have been properly addressed upon transmission to the email provided by the User.

PRODUCTS & E-COMMERCE
The Website offers various products and services, including access to financial information and loan comparison services (“the Services”). The Provider also enables users to apply for loan quotations through the Website. Use of these services is at the User's own risk.

The User is responsible for maintaining the confidentiality of their login details for any online portals linked to the Website and must not share these details with others. The User will be held responsible for any activities that occur under their login credentials.

The following actions are considered a breach of these Terms and Conditions:

Impersonating another person
Violating intellectual property or privacy rights
Using the Services in a harmful way
Collecting others' personal information without consent

PERSONAL INFORMATION
The User consents to the Provider processing their personal information, including but not limited to:

Name, surname, company name, email, address, phone number, and financial information
IP address and opinions/preferences

The Provider processes personal information to deliver its services, verify identities, communicate with users, facilitate transactions, and send marketing material. Personal information is processed according to the Provider’s Privacy Policy, which is available on the Website.
The User may object to the processing of personal information but acknowledges that declining consent may affect the ability to use the Website's services.

SECURITY SAFEGUARDS
The Provider will take appropriate technical and organizational measures to protect the User’s personal information against unauthorized access, loss, or destruction. However, the Provider is not responsible for security breaches that occur on the User’s devices due to insufficient security measures such as antivirus software.

THIRD-PARTY PRODUCTS AND SERVICES
The Website may include links to third-party services or products. The Provider is not responsible for the content, privacy policies, or terms of use of third-party websites, even if accessed via the Website. The User acknowledges that any transactions with third parties are at their own risk.

USE OF PERSONAL INFORMATION BY AGENTS
If the User accesses the Website as an agent for someone else, the User agrees to process personal information in accordance with the Provider's Privacy Policy.

UPDATING OF THESE TERMS AND CONDITIONS
The Provider reserves the right to amend these Terms and Conditions at any time. Changes will become effective upon posting on the Website, and continued use of the Website indicates acceptance of these changes.

LIMITATION OF LIABILITY
The Website and its content are provided "as is," and the Provider makes no warranty regarding the availability or accuracy of the information provided. The Provider is not liable for any damages or losses incurred by the User or any third party arising from the use of the Website or services.
The Provider will not be responsible for any direct, indirect, or consequential damages, including loss of data or business interruption, resulting from the use of the Website.

CASUAL SURFING
Users may browse the Website without submitting personal information. The Website may collect the User's IP address and other non-personal information, which is used to improve services and website functionality.

GOVERNING LAW
These Terms and Conditions are governed by the laws of the Republic of South Africa. Users accessing the Website from other countries are responsible for complying with their local laws.

USE OF THE WEBSITE, SERVICES, AND PRODUCTS
Users agree not to:

Process third-party personal information without consent
Engage in illegal activities via the Website

Should the User breach these terms, the Provider may suspend or terminate access to the Website and recover any associated costs.

USE OF COOKIES
The Website uses cookies to enhance the User’s experience. These cookies do not collect personal information but help improve services. Users can adjust their browser settings to manage cookie preferences.

COPYRIGHT
All content on the Website is the property of the Provider or used under license. Unauthorized use of this content is prohibited. The Provider makes efforts to protect its intellectual property but cannot be held responsible for third-party copyright infringements.

COMPLIANCE WITH ELECTRONIC COMMUNICATIONS AND TRANSACTIONS ACT
Clean My Name complies with section 43 of the Electronic Communications and Transactions Act, 2002. For details on our legal status, physical address, and other company information, please refer to the information provided on the Website.

CONTACT INFORMATION
For questions or concerns regarding these Terms and Conditions, please contact: Email: info@cleanmyname.co.za