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Terms of using this website

Quick Index

• Terms of Use
• Website Disclaimer
• Email Disclaimer
• Privacy Policy
• Confidentiality and Transmissions over the Internet
• User Conduct and Obligations
• Indemnification by User
• Third Party Websites, Content and Products and Services
• Proprietary Rights
• Notice of Copyright Infringement
• General
• Contact Information

Terms of Use Quick Index

Welcome to 1st FINANCE website. This website is best viewed using a contemporary browser.

Use of this website, and information distributed in conjunction with this website, including without limitation the 1st FINANCE E-Mail Update Service, is offered to you on your acceptance of these Terms of Use, our Policy and other notices posted on this website. Your use of this website or of any content presented in any and all areas of the website indicates your acknowledgment and agreement to these Terms of Use (TOU), our Policy and other notices posted on this website. If you do not agree to be bound by and comply with all of the foregoing, you may not access or use any information, services, or otherwise on our website. You may want to regularly check these TOU as they may be changed without any notice.

1st FINANCE shall have the right, at its sole discretion, to modify, add or remove any terms or conditions of these Terms of Use without notice or liability to you. Any changes to these Terms of Use shall be effectively immediately following the posting of such changes on this website. The most recent version of these Terms of Use may always be found at TOU. You agree to review these Terms of Use from time to time and agree that any subsequent use by you of this website following changes to these Terms of Use shall constitute your acceptance of all such changes. These Terms of Use were last modified on March 01, 2012.

Website Disclaimer Quick Index

This website is intended to address a specific commercial need of selling business advisory products/services as described on this web site. The information provided on this web site requires further engagement with you to be able to conclude any commercial transaction. The information on this web site may not be used for purposes of resale, distribution, public display or performance, or any other uses by you in any form or manner whatsoever. Unless otherwise indicated on this website, any information on this website may not be reproduced on any other website.

1st FINANCE has used its best commercial efforts to obtain the most accurate information about the product/services we are selling that may be referenced on this website all of which may be complex and subject to change. Accordingly, we may not guarantee the accuracy of any information at all times as such information may be changed by our supplier. However, we try our best to ensure that all information about our products/services is up to date most of the time.

1st FINANCE reserves the right, at its sole discretion, to modify, disable access to or discontinue, temporarily or permanently, any part or all of this website or any information contained thereon without liability or notice to you.

As a visitor to our website, you acknowledge and agree that any reliance on or use by you of any information available on this website shall be entirely at your own risk. In no event shall 1st FINANCE nor any of its suppliers be liable for any direct, indirect, consequential or exemplary damages arising from the use or the performance of this website, even if 1st FINANCE or such provider has been advised of the possibility of such damages.

Email Disclaimer Quick Index

1. The information contained in any electronic mail communication you receive from an employee or representative of 1st FINANCE (hereinafter referred to as "1st FINANCE") or Sinqoba Investment Corporation (Pty) Ltd, including any attachments thereto and all subsequent communications and attachments (hereinafter referred to as "the e-mail"), are subject to 1st FINANCE’s e-mail disclaimer ("disclaimer") as set out herein.
2. The information contained in the email is private, privileged and confidential in nature and may contain proprietary information.
3. The e-mail is meant solely for the intended recipient, accordingly access to the email by anyone else is unauthorized.
4. If you are not the intended recipient of the e-mail (or such recipient's authorised representative), then -
   1. kindly notify the sender of the e-mail of this fact immediately by return e-mail, facsimile or telephone and delete the e-mail from your system;
   2. you are prohibited from printing, storing, copying, forwarding or otherwise disclosing any information contained in the e-mail or any part thereof; and
   3. you shall refrain from selling, displaying or offering for sale or utilising in any manner whatsoever, the information or any part thereof contained in the e-mail; and
   4. you may not incorporate the information or any part thereof into any database or mailing list for whatsoever reason, including for purposes of sending unsolicited commercial messages (hereinafter referred to as “spam”), marketing, industry comparisons and/or journalism.
5. Your failure to strictly comply with the provisions of paragraph 4 (i – iv) above may amount to the unlawful interception of communication, the unlawful infringement of intellectual property rights and the unlawful infringement of the right to : to do so may be both a criminal offence and a civil wrong and 1st FINANCE reserves all its rights and remedies to institute the appropriate claim against you, including the right to claim damages from you should your actions/omissions have caused 1st FINANCE harm.
6. At present, the integrity of e-mail across the Internet cannot be guaranteed and messages sent via this medium are potentially at risk. For this reason it will be inappropriate to rely on advice contained in the e-mail without obtaining written confirmation, in the form of a facsimile and/or letter, of such advice.
7. Although 1st FINANCE takes reasonable precautions to ensure that the e-mails sent are free of viruses, this cannot be guaranteed and 1st FINANCE, its holding, subsidiary and associated companies cannot be held liable for any damages you may suffer as a result of the transmission of a virus or malicious software code with the e-mail. You are accordingly advised to ensure that the e-mail is screened by up-to-date virus checking software.
8. Furthermore, 1st FINANCE, its holding, subsidiary and associated companies expressly excludes, to the extent permitted by law, all liability for any loss, damage or expense of whatever nature (including without limitation which may cause the corruption or loss of data, damage to software programmes and interruption of business operations) resulting directly or indirectly from the use of messages sent via the Internet to transmit information by or to 1st FINANCE.
9. 1st FINANCE, its holding, subsidiary and associated companies are not liable for the improper, inaccurate or incomplete transmission of the information contained in the e-mail, or for any delay in its receipt.
10. Any advice or information contained in this e-mail is also subject to any governing agreement between 1st FINANCE and the recipient.
11. Only duly authorised staff acting within the scope of their authority are able to bind 1st FINANCE contractually. Unless expressly indicated as such, nothing in the e-mail constitutes an offer, warranty or representation from 1st FINANCE.
12. The views and opinions expressed in the e-mail do not necessarily reflect the views and opinions of 1st FINANCE, its holding, subsidiary and associated companies. In particular, no 1st FINANCE representative or employee may send -
    1. spam;
    2. messages that infringe any third party's intellectual property rights or other rights and interests; and
    3. messages containing content that is offensive, derogatory, racist, defamatory or otherwise unlawful.
    If the e-mail contains contents as listed in paragraph 12 (i - iii) above, or was otherwise sent for purposes unrelated to the official business of 1st FINANCE, it means the e-mail has been sent outside the sender’s scope of employment with 1st FINANCE and only the sender can be held liable in his/her personal capacity; accordingly 1st FINANCE, its holding, subsidiary and associated companies shall not be held liable for any loss, damage or expense of whatever nature resulting therefrom.
13. 1st FINANCE , its holding, subsidiary and associated companies reserves the right to read, monitor, access, block, delete, copy or otherwise intercept any e-mail sent in reply to the e-mail or e-mail otherwise addressed to its employees or representatives or take any other action in accordance with 1st FINANCE’s email use policy.
14. E-mails sent to 1st FINANCE will only be regarded as having been received by it once 1st FINANCE expressly acknowledged receipt thereof. 1st FINANCE will be deemed to have sent an e-mail once reflected as sent on 1st FINANCE's e-mail servers.

Privacy Policy Quick Index

We are committed to protecting the privacy of personal information provided by those visiting and interacting with this web site. We make every effort to safeguard any personal information that we get from our customers and or users of our web site.

Confidentiality and Transmissions over the Internet Quick Index

The transmission of data or information (including communications by e-mail) over the Internet or other publicly accessible networks is not secure, and is subject to possible loss, interception or alteration while in transit. Accordingly, we do not assume any liability for any damage you may experience or costs you may incur as a result of any transmissions over the Internet or other publicly accessible networks, such as transmissions involving the exchange of e-mail with us (including those which may contain your personal information). While we shall take commercially reasonable efforts to safeguard the privacy of the information you provide us and treat such information in accordance with our Privacy Policy, in no event will the information you provide to us be deemed to be confidential, create any fiduciary obligations to you on our part, or result in any liability to you on our part in the event that such information is inadvertently released by us or accessed by third parties without our consent.

User Conduct and Obligations Quick Index

You agree to follow all applicable laws and regulations when using this website. Furthermore, you agree that you shall not:

1. upload, post or otherwise transmit through or to this website any content that:
   1. is unlawful, abusive, threatening, harmful, obscene, lewd, offensive, defamatory or otherwise objectionable;
   2. might infringe the intellectual property rights, privacy rights, rights of publicity, or other proprietary rights of others;
   3. contains any viruses, trojan horses, time bombs, or any other harmful programs or elements;
2. disrupt, place unreasonable burdens or excessive loads on, interfere with or attempt to gain unauthorized access to any portion of our website, its computer systems, servers or networks;
3. provide false information about yourself to us, impersonate any other person, or otherwise attempt to mislead others about your identity or the origin of any content, message or other communication;
4. transmit junk mail, chain letters, or other unsolicited bulk e-mail or duplicative messages;
5. collect information about other visitors to our website without their consent or otherwise systematically extract data or data fields, including without limitation any financial data or e-mail addresses;
6. sell access to or the use of this website, including any content contained on, downloaded or accessed from this website, except as specifically permitted in writing by 1st FINANCE;
7. redistribute any content provided by us in any manner whatsoever including by means of printed publication, fax broadcast, web pages, e-mail, web newsgroups or forums, or any other electronic or paper-based service or method;

The foregoing prohibitions expressly include, but are not limited to, the practice of "screen scraping", or any other practice or activity the purpose of which is to obtain lists of data, portions of a database, or other lists or information from the web site, in any manner or in any quantities not authorized in writing by 1st FINANCE.

By uploading, posting or otherwise transmitting through or to our website any content, you grant to us, our successors and assigns, a non-exclusive, world-wide, royalty free, perpetual, non-revocable license to use or distribute such content in any manner otherwise than as stated in our Privacy Policy.

Indemnification by User Quick Index

You agree to indemnify, defend and hold us and our affiliates, business partners, officers, directors, employees and agents harmless from any loss, liability, claim, demand, damage, or expense (including reasonable legal fees) asserted by any third party relating in any way to your use of this website or breach of these Terms of Use. We reserve the right to assume the exclusive defence and control of any matter subject to indemnification by you, which shall not excuse your indemnity obligations.

Third Party Websites, Content and Products and Services Quick Index

You acknowledge and agree that your business dealings with any third parties, including any merchants or advertisers, found on, or accessed through our website and any of their services, including payment for and delivery of any related goods and services, are solely as between you and such third parties. You understand and acknowledge that some of services accessible on our website are provided by third parties (including, but not limited to, discount foreign exchange services and online foreign exchange trading services) and that in certain instances, we may receive referral fees and/or other compensation from third parties on a per use or other basis based on your purchase or use of third party goods or services found on or accessed through our website. You acknowledge that in such dealings with third parties, we are not the seller or provider and your agreement of purchase or for services with such third party is solely between you and the third party, and not 1st FINANCE. 1st FINANCE assumes no responsibility whatsoever for any charges, losses or liabilities you or any user of your account incurs when making purchases or completing transactions with such third parties. As a user of our website, you acknowledge and agree that we shall not be responsible or liable in any way for any loss or damage of any kind which you or any other user of your account may incur as a result of, or in connection with, any dealings or transactions with such third parties.

By accessing third party services through our website, you hereby authorize such third party service provides to provide 1st FINANCE with personal information regarding your use of and your activities with respect to the purchase and use of third party services and/or goods.

Links or pointers to other websites and references to products and services offered by third parties are provided to you for convenience only and do not constitute an endorsement or approval by us of
(i) the organizations that operate such websites;
(ii) the content, privacy policies or other terms of use on such websites; or
(iii) such third party products and services. As we have no control or responsibility over websites or content maintained by other organizations, or for products and services offered by third parties, we do not assume any liability for your use of any of the foregoing, which use you acknowledge and agree shall be at your own risk.

Proprietary Rights Quick Index

1st FINANCE logo, product marks and other identifying marks of 1st FINANCE are and shall remain the trade-marks and trade names and exclusive property of 1st FINANCE, and any unauthorized use of these marks is unlawful. Other trade-marks on this website are the property of their respective owners. All content on this website, including without limitation all programs, complied binaries, interface layout, interface text, documentation and graphics, is the copyrighted property of 1st FINANCE and is protected by international copyright law. The content on this website may be used by you only for information purposes as provided for in these Terms of Use. Any rights not expressly granted to you are reserved by us.

Notice of Copyright Infringement Quick Index

Our policy is to comply with all intellectual property laws and to act expeditiously upon receiving any notice of claimed infringement. If you believe that your work has been reproduced on this website in a manner that constitutes copyright infringement, please provide a notice of copyright infringement containing all of the following information:

1. A physical or electronic signature of a person authorized to act on behalf of the copyright owner for the purposes of the complaint.
2. Identification of the copyrighted work claimed to have been infringed.
3. Identification of the material on our website that is claimed to be infringing or to be the subject of infringing activity.
4. The address, telephone number or e-mail address of the complaining party.
5. A statement that the complaining party has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law.
6. A statement, under penalty of perjury, that the information in the notice of copyright infringement is accurate, and that the complaining party is authorized to act on behalf of the owner of the right that is allegedly infringed.

Contact Information Quick Index

All notices of copyright infringement should be sent to:

1st FINANCE
P. O. Box 3387
Johannesburg 2000
South Africa
Tel:	087 353 2552 / 012 364 2701
Fax:	086 262 5940
Email:

IMPORTANT: We at 1st FINANCE are committed to establishing our services in as many languages as possible. However, our company's official standard of communication, like many companies in South Africa, is English and our staff while they may be familiar with other 10 official languages and may respond to emails or inquiries in these languages are required to conduct all official business communications in English. We apologize for any inconviniences this may cause.

General Quick Index

If any provision of these Terms of Use is held invalid or unenforceable in any respect by any court having competent jurisdiction, such provision shall be enforced to the maximum extent permitted by law, and the remaining provisions of these Terms of Use shall continue in full force and effect. No waiver of any provision of these Terms of Use shall be deemed a further or continuing waiver of such provision or any other provision of these Terms of Use.

You agree that these Terms of Use, our Privacy Policy and other notices posted on this website have been drawn up in English. Although translations in other languages of any of the foregoing documents may be available, such translations may not be up to date or complete. Accordingly, you agree that in the event of any conflict between the English language version of the forgoing documents and any other translations thereto, the English language version of such documents shall prevail.

These Terms of Use shall be governed by and construed in accordance with the laws of South Africa.

Products or services pricing information provided on this site is quoted in South African currency. Valid pricing in other currencies may be provided only on request. Our free delivery service is limited to addresses in South Africa only. We may deliver outside South Africa at an additional cost which is available on request.

The parties consent to the exclusive jurisdiction of the courts of South Africa.

Other Information Quick Index

If you have any questions or concerns about these Terms of Use,
please feel free to contact us at:
For other contact information click here