1. Use of the www.facareers.co.za web site is covered by the following terms and conditions.By accessing or using our Web sites, or by registering on any of our pages and applying for any products or services offered on these pages, you are deemed to have agreed to all of the following terms and conditions.

You should review these terms and conditions regularly, as the terms and conditions as well as the information; products and services on our Web site may change at any time and without notice. The following terms and conditions apply to all of our Web sites, which will include any Web sites owned, operated or sponsored by any of our businesses, holding company, subsidiaries or affiliates ("the Web site"), but we may add to or supersede certain provisions of these terms and conditions with other provisions located in other parts of our Web sites.

2. FACareers provides, through this web site, certain information, including but not limited to: research tools including comparison-shopping tools and educational materials, ratings and earning estimates related to companies whose securities are publicly traded, and other information relating to personal finance (collectively, the "FACareers Information").

Your use of FACareers Information is entirely at your own risk and it is your sole responsibility to evaluate the accuracy, completeness and usefulness of all FACareers Information. Visitors of this web site should seek professional financial and legal assistance and may not rely solely on FACareers Information.

FACareers makes no representations or warranties about the suitability for you of the products that appear neither on this site nor about the soundness of the advice offered on the site. All calculations made on the Website are approximations and are meant as guidelines only and should be confirmed before relying on them. All information, including products and services or any terms or conditions pertaining to them, is subject to change at any time. All services provided via this site are subject to confirmation at the time of the finalising of any transactions. FACareers will not be held responsible for any defects in, malfunctions of, or inaccuracies in the performance of any calculators used in the calculations. Some of our information is derived from external sources. We will not be responsible for the incorrect information received from these external sources.

3. All FACareers Information is provided "AS IS" AND ON AN "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. www.facareers.co.za contains statements and statistics that have been obtained from sources believed to be reliable, (including, but not limited to, information originated by FACareers. licensed by FACareers from information providers, or gathered by FACareers from publicly available sources), but are not guaranteed as to accuracy, completeness, timeliness, or correct sequencing. Nor does FACareers guarantee uninterrupted or error free information, or the security of this web site or that of the stored visitor data, or that any information, software, or other material accessible from or related to FACareers Information is free of viruses, worms, or other harmful components.

FACareers makes no representations or warranties about the suitability for you of the products that appear neither on this site nor about the soundness of the information offered on the site. The information contained on the Web site provides general information on particular subjects and is not an exhaustive treatment of such subjects. Accordingly, the information is not intended to constitute accounting, tax, legal, investment, consulting or other professional advice or services.

Before making any decision or taking any action, which might affect your personal finances or business, you should consult a qualified professional advisor. Information published on the World Wide Web may contain references to FACareers products, programs and services that are not available in your country. Such references do not imply that FACareers intends to make such products, programs or services available in your country. Further, these products and services may not be legal in your country. Buying them or investing in them may therefore contravene your country's exchange control regulations.

4. FACareers shall not be liable under any circumstances for lost profits, lost business, loss of business reputation, or any direct, indirect, incidental, special, punitive or consequential damages, whether foreseeable or not, that result in any way from your use, non-use or reliance upon FACareers Information, or that result from mistakes, omissions, interruptions or deletions of files, errors or defects in FACareers Information, delays in operation, transmission or failure of performance.

If you are dissatisfied with any of FACareers’s Information, your sole and exclusive remedy is to discontinue using FACareers Information. Neither FACareers nor the information providers shall have any liability, contingent or otherwise for the accuracy, completeness, timeliness, or correct sequencing of the information or for any decision made or action taken by you in reliance upon FACareers Information or for interruption of any data or information. We will not be responsible for any direct or indirect loss or damages that arise from: Any of the events described in this paragraph (no. 4) and the paragraph above (no. 3); Links with other sites over which we cannot control the content of or the products offered on those sites; A denial of access to the site should we believe that you are conducting activities that are illegal, abusive, attack the integrity of the site or put FACareers in disrepute; The reliance on the information obtained from this site.

5. FACareers Information is provided to you solely for your own purposes. You may not sub-license, resell, republish (including internet posting, electronic mailing, faxing, archiving in a public database, redistributing via a computer network, or in a printed form to third parties), reproduce, retransmit, disseminate, sell, broadcast, commercially exploit, or circulate FACareers Information without the express written consent of FACareers Nor may you use FACareers Information for any unlawful purpose.

6. FACareers, its licensors, or information providers are the sole and exclusive owners of all right, title and interest, including trademarks, copyrights, patents, trade names, trade secrets and other intellectual property rights, in FACareers Information. You may make one back-up copy of FACareers Information for your own personal use; however, you may not otherwise copy, modify, adapt, reproduce, translate, reverse engineer, de-compile, disassemble, sublicense or assign any aspect of FACareers Information accessed via this service.

You may not use, adopt or attempt to register anywhere in the world, whether alone or together with any other mark, symbol, or name, any FACareers trade name or mark or service name or mark that is similar or confusingly similar to FACareers trademarks. The trademarks and logos used and displayed on this Web site are our registered and unregistered trademarks. FACareers is the copyright owner of all text and graphics contained on this Web site. You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this Web site, without the prior written permission of FACareers.

7. FACareers may deny you access to all or part of this service without notice if you engage in any conduct or activities that FACareers believes in it sole and absolute discretion violates applicable law or any terms of this web site. You warrant your identity (i.e. you are who you say you are) and that you can prove your identity should we require you to do so. FACareers reserves the right to refuse to provide services if: (a) you breach this agreement; (b) we are unable to verify or authenticate any information you provide to us; or (c) we believe that you are conducting activities that are illegal, abusive, attack the integrity of the site or put FACareers in disrepute. You guarantee that all information you provide at any time to FACareers via this web site, in writing, or to the staff servicing our call centre, will be true and correct.

8. FACareers reserves the right in its sole discretion to change, modify, add or remove these terms and conditions in whole or in part and at any time.

9. FACareers collects information about you to monitor and improve the site; we also gather certain information about you when you use it, including details of your operating system, browser version, domain name and IP address (the IP address is a string of numbers that tells us which server you are using but does not identify you). FACareers is committed to keeping your information confidential. We will use it to personalise your experience, service your policy, and to directly communicate with you.

10. You accept the risk of choosing electronic communication as the channel to be utilized by the parties. You authorize FACareers to act on the information that you send electronically. You further agree that all records will be stored electronically by FACareers and such electronic record will constitute conclusive proof of the contents of such record, unless you prove otherwise. Any e-mail sent to you will be deemed received by you upon dispatch by FACareers.

Unless otherwise specified by permission or design, you may not modify copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from such information, products and services. You may not use the Web site in any manner that could damage, disable, overburden, or impair any FACareers server, or the network(s) connected to any FACareers server, or interfere with any other party's use of the Web site. You may not attempt to gain unauthorised access to any products, services, other accounts, computer systems or networks connected to any FACareers server or to any of the products or services through hacking, password mining or any other means. You are expressly prohibited from posting on or transmitting to or from this Web site any unlawful, threatening, libellous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under any law.