Introduction
These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.
You must be at least 18 years of age to use this website. By using this website and by agreeing to these terms and conditions you warrant and represent that you are at least 18 years of age.
This website uses cookies. By using this website and agreeing to these terms and conditions, you consent to Sandton Debt Counselling’s use of cookies in accordance with the terms of Sandton Debt Counselling’s privacy policy / cookies policy.
License to use website
Unless otherwise stated, Sandton Debt Counselling and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.
You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You must not:
Acceptable use
You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without Sandton Debt Counselling’s express written consent.
You must not use this website to transmit or send unsolicited commercial communications.
You must not use this website for any purposes related to marketing without Sandton Debt Counselling’s express written consent.
User content
In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.
You grant to Sandton Debt Counselling a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to Sandton Debt Counselling the right to sub-license these rights, and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party’ legal rights, and must not be capable of giving rise to legal action whether against you or Sandton Debt Counselling or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.
Sandton Debt Counselling reserves the right to edit or remove any material submitted to this website, or stored on Sandton Debt Counselling’s servers, or hosted or published upon this website.
Notwithstanding Sandton Debt Counselling’s rights under these terms and conditions in relation to user content, Sandton Debt Counselling does not undertake to monitor the submission of such content to, or the publication of such content on, this website.
No warranties
This website is provided “as is” without any representations or warranties, express or implied. Sandton Debt Counselling makes no representations or warranties in relation to this website or the information and materials provided on this website.
Without prejudice to the generality of the foregoing paragraph, Sandton Debt Counselling does not warrant that:
This website will be constantly available, or available at all; or
The information on this website is complete, true, accurate or non-misleading.
Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.
Limitations of liability
Sandton Debt Counselling will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:
To the extent that the website is provided free-of-charge, for any direct loss;
For any indirect, special or consequential loss; or
For any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
These limitations of liability apply even if Sandton Debt Counselling has been expressly advised of the potential loss.
Exceptions
Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit Sandton Debt Counselling’s liability in respect of any:
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.
If you do not think they are reasonable, you must not use this website.
Other parties
You accept that, as a limited liability entity, Sandton Debt Counselling has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against Sandton Debt Counselling’s officers or employees in respect of any losses you suffer in connection with the website.
Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Sandton Debt Counselling’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as Sandton Debt Counselling.
AI Technology Terms and Conditions
Sandton Debt Counselling uses two potential AI technology assistants on our website, whereas it states AI coach it may also mean Lyro interchangeably as both are AI driven digitalized assistant support systems. As such we deem both of these options to fall under the AI technology terms and conditions as presented on this website.
AI Coach is owned and operated by Sandton Debt Counselling. Before you begin using our AI Coach, or interacting with the Lyro AI assistant, it is important that you read, understand, and agree to the following terms of use (Terms). By using any and all of the website’s AI Technology, you accept these Terms in full. If you disagree with these Terms (or any part of it) you may not use AI Technology on this website.
AI Technology is in the Beta Phase of development, meaning that the software feature is-complete but may contain unknown bugs that may arise during user testing. AI Technology is provided on an "as is" and "as available" basis. You acknowledge and agree that the platform may contain errors, inaccuracies, or omissions and that we are not liable for any such errors, inaccuracies, or omissions.
Data Privacy: Please click here to view our Privacy Notice
By using AI Technology, you confirm that you have read and accept the terms of the Privacy Notice. You consent to allow us to collect, store and use your personal information to inform you of Sandton Debt Counselling offerings to optimise your AI Technology experience.
The AI Technology platform provides financial guidance using artificial intelligence (AI) and emerging technology. Our guidance is based on a variety of factors, including your financial information and market data, and may be personalized to your specific needs or circumstances.
We are not responsible for the accuracy, completeness, or reliability of any information provided through the AI Technology platform. You should not rely solely on our information in making any financial decisions, and we recommend that you consult with a qualified Debt Counsellor before making any financial decisions. Sandton Debt Counselling has done quite thorough testing to ensure a fair representation of our content base can be shared via these AI technology services to the best of our ability.
You may need to create a user account to use AI Technology. You are responsible for maintaining the security of your account and password, and you agree to notify us immediately of any unauthorised use of your account. You must also notify us of any changes to your personal information. AI Technology is for use by individuals only and may not be used for commercial purposes.
Access to the platform isn't promised and might have restrictions or limits. Creating an account doesn't mean you have a legal right to use the platform, and we can end your account or access to the platform whenever we want, with or without a reason.
AI Technology and all content and materials on our platform are owned by or licensed to us and are protected by copyright, trademark, and other intellectual property laws. You may not use our platform or any content or materials on our platform for any commercial purpose without our written consent.
We are not responsible for loss or damages of any nature whatsoever that you may suffer in relation to your use of, or your inability to access or use AI Coach or Lyro. You agree to absolve us from any loss that may occur due to your engagement with AI Technology, understanding the inherent risks associated with emerging AI technology.
You agree to indemnify us against any costs or damages we may face because of anything you do wrong or in contravention of these Terms due to you using AI Technology. This includes paying for any reasonable legal expenses.
You may not use our platform for any illegal or fraudulent purpose or in a manner that violates any applicable laws or regulations. This includes using our platform to:
We may make changes to these Terms at any time. Any such changes will be posted on our website and will be effective immediately upon posting. It is your responsibility to regularly review these Terms. If you use the platform after we make any changes, it means you have accepted the changes and that you agree to be bound by the Terms as modified.
These Terms constitute the entire agreement between you and us regarding your use of AI Technology and supersede all prior agreements and understandings, whether written or oral.
We may, wholly or partially, cede, transfer and assign our rights and/or obligations arising from your acceptance of these Terms to any third party. If we do so we will notify you.
When giving consent for Sandton Debt Counselling (PTY) to retrieve your credit report, you authorise us to obtain your credit report from credit bureaus for the purpose of providing you with debt counselling guidance, assessing debt review eligibility and offering debt review and debt counselling solutions. If you do not consent to us obtaining your credit report from credit bureaus you may not use AI Technology for the purpose of obtaining a credit record and conducting an assessment of eligibility for debt review purposes.
The information obtained from your credit report will be used exclusively for the purpose of providing the AI Technology service and related debt review services and will not be used for any other purpose without your consent.
These Terms will be governed by the laws of South Africa. Any disputes relating to these Terms will be subject to the exclusive jurisdiction of the courts of South Africa.
Contact details for any purposes related to AI Technology or these Terms:
Email: info@sandtondc.co.za
Phone: Sandton Debt Counselling 087 550 1122
Sandton Debt Counselling is a registered company with the Director an NCR accredited and registered Debt Counsellor with registration number NCRDC3360.
Unenforceable provisions
If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
Indemnity
You hereby indemnify Sandton Debt Counselling’s and undertake to keep Sandton Debt Counselling indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Sandton Debt Counselling to a third party in settlement of a claim or dispute on the advice of Sandton Debt Counselling's legal advisers) incurred or suffered by Sandton Debt Counselling arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.
Breaches of these terms and conditions
Without prejudice to Sandton Debt Counselling’s other rights under these terms and conditions, if you breach these terms and conditions in any way, Sandton Debt Counselling may take such action as we deem appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
Variation
Sandton Debt Counselling may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions. Please check this page regularly to ensure you are familiar with the current version.
Assignment
Sandton Debt Counselling may transfer, sub-contract or otherwise deal with Sandton Debt Counselling’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.
You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.
Severability
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
Entire agreement
These terms and conditions constitute the entire agreement between you and Sandton Debt Counselling in relation to your use of this website and supersede all previous agreements in respect of your use of this website.
Law and jurisdiction
These terms and conditions will be governed by and construed in accordance with South Africa’ Law, and any disputes relating to these terms and conditions will be subject to the non-exclusive jurisdiction of the courts of South Africa.
Sandton Debt Counselling’s details
Sandton Debt Counselling
Tel: +27 87 550 1122
Email: info@sandtondc.co.za
Operational Office Address:
101 Miller Street
Gordon’s Bay
Western Cape
South Africa
Sandton Debt Counselling is a registered company with the Director, an NCR accredited and registered Debt Counsellor with registration number NCRDC3360.