Terms & Conditions

WEBSITE USER TERMS AND CONDITIONS

TAKE NOTE THAT THESE TERMS AND CONDITIONS CONTAIN PROVISIONS THAT DISCLAIM, LIMIT AND EXCLUDE THE LIABILITY OF MONEYBAGS TO YOU AND THAT INDEMNIFY MONEYBAGS AGAINST CLAIMS AND DAMAGES THAT IT MAY SUFFER AS A RESULT OF YOUR CONDUCT.  PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE PROCEEDING TO USE THE WEBSITE FURTHER.

1.            INTRODUCTION

Just Money (Pty) Limited (Registration No. 2007/012821/07) is currently trading as “MONEYBAGS”. These Terms and Conditions of use pertain to all MONEYBAGS websites, including the site hosted at www.moneybags.co.za.

These Terms and Conditions (“the Terms and Conditions”) govern your (“the User” / “you”) use of the MONEYBAGS websites (“the Website”). By accessing and using the Website, you agree to be bound by the Terms and Conditions set out in this legal notice. If you do not wish to be bound by these Terms and Conditions, then you may not access, display, use, download, and/or otherwise copy or distribute any content obtained from the Website. You may not use the Website if you are not of a legal age to form a binding contract with MONEYBAGS. The general terms pertaining to visiting the Website in these Terms and Conditions of use become effective when you access the Website for the first time and constitute a binding agreement between MONEYBAGS and the User, which will always prevail. The more specific terms that pertain to you as a User who has subscribed to the service offering on the Website, are effective and bind you and MONEYBAGS from the point of subscription.  The current version of these Terms and Conditions will govern our respective rights and obligations each time you access this site.

The MONEYBAGS Website is intended to provide you, the South African consumer, with trustworthy and expert advice, reviews and guides on how to save and spend your money across a variety of consumer and retail channels.  It is there to assist you when researching any purchasing or money saving decision, such as buying a product, joining a loyalty programme, eating out, getting a credit card or joining a gym, amongst other such decisions. We have partnered with various retail partners and through signing on and requesting an offered deal, you will receive specials, sales and discounts on various products and services.  We provide up-to-date guides, advice and prices on various categories of spending.

HOWEVER, THE MONEYBAGS WEBSITE IS NOT INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. MONEYBAGS IS NOT A FINANCIAL PLANNER, BROKER OR TAX ADVISOR. Your personal financial situation is unique, and it is your responsibility to use any information and advice obtained through the Website appropriately and responsibly given your financial and other individual circumstance when implementing your own decisions.   Reliance on product description, opinions, advice or any other information gained from the MONEYBAGS Website is placed entirely at your own risk.

2.            DEFINITIONS

In these Terms and Conditions, unless it is clear from the context that another meaning should be attached to a word, the following words and expressions shall bear the following meanings:

“MONEYBAGS” shall mean Just Money (Pty) Ltd  trading as MONEYBAGS and shall bear the same meaning when referred to as “we” or “our”.

“Content” shall mean all content published on the Website, being the sales, deals, guides, Vouchers and Retail Partners’ information which form part of the service offering on the Website, as described above, and shall include, but not be limited to, all information, data, images, sound clips and logo’s on the Website, as well as any other intellectual property (whether registered or unregistered) that is the property of MONEYBAGS, its affiliates or subsidiaries, the Retail Partners, or any other third party.

“Effective date”                in relation to the Terms and Conditions shall mean the date on which you first make use of the Website or sign up as a subscriber on the Website, whichever date is the first occuring. Where you sign up as a subscriber, you will receive newsletters from MONEYBAGS and will be entitled to all deals offered by our Retail Partners including select exclusive subscriber Vouchers and deals offered by our Retail Partners.

“Personal information” shall mean any information that we have about you and that identifies or relates specifically to you, for example your name, age, identity number, your assets and liabilities, your income and expenditure, credit record, credit store account details and balances, shopping behaviour, any information about what you buy, where you shop, where you bank, how you invest and any other related information.

“Retail Partners” shall mean the retailers whose deals, specials, sales and Vouchers are advertised on the Website.

“Vouchers” shall mean the discount certificate advertised on the Website as part of a deal offered to Users by the relevant Retail Partner, and, for the sake of clarity, shall have the meaning of the term “coupon” as used in section 34 of the Consumer Protection Act 68 of 2008.

“User”  shall mean you, the user and consumer making use of the Website, whether as a general visitor or as a User who has subscribed online for the Website’s service offering.  In the appropriate context, “you” or “your” shall bear the same meaning when referred to in the first person.

3.            INTERPRETATION

These Terms and Conditions are legally binding on both you and MONEYBAGS, and constitute a binding contract between you and MONEYBAGS.

In this document: a reference to any male shall include the female and vice versa; a reference to the singular shall include the plural and vice versa; a reference to a natural person shall include a legal/corporate person or juristic entity (such as a company, or a trust) and vice versa; the provisions contained in the Introduction, Definitions and this clause on Interpretation shall, unless the context indicates a contrary intention, comprise substantive provisions conferring reciprocal rights and obligations on you and MONEYBAGS.

These Terms and Conditions shall be construed and interpreted according to the laws of the Republic of South Africa save that the rule whereby an agreement may be interpreted against the person who was responsible for the drafting thereof, or for whose benefit a clause was written, shall not be applicable to these Terms and Conditions.

4.            DURATION

These Terms and conditions shall be effective from the Effective Date and shall endure for a continuous period until the User’s use of the Website is permanently discontinued or suspended or cancelled, save for the rights and obligations which by their nature are intended to survive termination of access to the Website.

5.            ISSUE OF VOUCHERS

As a subscriber, you will be required to “sign in” to the Website each time for the purposes of making use of its services and to download vouchers available exclusively to subscribers. Once signed in, you will be entitled to select a deal / Voucher as advertised, and one of the following will occur:

  • you will be directed to a link from which you may download a Voucher; or
  • an email may be sent to you containing a unique Voucher code with a link to the relevant Retail Partner’s website.  You will then purchase the specified item online, and at the point of purchase, enter the unique Voucher code.   The Retail Partner’s system will automatically deduct the discount to which the Voucher entitles you; or
  • once you have selected a Voucher on the Website, you will then be required to enter your cell phone number and click “SMS CODE”.  An SMS will be sent to you with a unique mobi-code.  On arrival at the relevant Retail Partner, you will provide the aforesaid mobi-code and receive the offered discount.

For the avoidance of doubt, MONEYBAGS hereby records that all redemption of Vouchers and allocation of discounts, payments and/or bookings will be managed by the Retail Partner.  MONEYBAGS only advertises the deal and Voucher offerings on the Website and shall have no responsibility or liability to the User under any circumstances relating to deals and Vouchers whatsoever, including but not limited to the availability or non-availability of stock, the limited duration of any offers or the accuracy of the descriptions, terms and conditions of any advertised offering.

6.            PRIVACY AND SECURITY POLICY

MONEYBAGS receives personal information from Users who access the Website. MONEYBAGS makes every effort to protect personal information received by it. Despite such undertaking, it is possible for Internet-based communications to be intercepted. Without the use of encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable and susceptible to interception and forging. MONEYBAGS will not be responsible for any damages the User or any third party may suffer as a result of the transmission of confidential or personal information that the User submits to MONEYBAGS through the Internet, or that the User expressly or implicitly authorises MONEYBAGS to receive, or for any errors or any changes made to any transmitted information.

We are committed to the protection of your privacy and will take all reasonable steps to protect any personal information that you may provide us with from time to time via the Website or any other channel or medium. Our privacy policy set forth in this section indicates what we do with your personal information and what you can do to protect that information.

Our Website may make use of electronic cookie and web analytics tools to optimise page loading speeds, record Website visitor preferences, monitor the success of advertising campaigns and enhance our Website’s overall usability.

Where you submit personal information to us via our Website, we may store and use such information for the purposes that you provided it.

We will take reasonable measures to delete personal information that has become obsolete. Over the period that your personal information is being used and for a period of at least one year thereafter, or such longer period as we may be required or entitled in terms of any law, we will keep a record of your personal information and the purpose for which it is stored.

Should you so request, in writing, we will delete your personal information save where we are required or entitled to preserve same in terms of any law.

You acknowledge and accept that we cannot take any responsibility for any of your personal information that is collected outside the scope of this agreement by any intermediary or other third party.

You give permission that if there is a change of ownership at MONEYBAGS, then your personal information can be transferred to the new owner, provided that the new owner will not dilute your rights and obligations regarding the personal information as set out in this privacy policy that had been collected before such transfer.

Your personal information will not be sold, divulged or made available to any third party except as mentioned in this policy and unless required or permitted by law.

You as the User, hereby acknowledge and agree as follows:

  • that MONEYBAGS may contact you from time to time for the purpose of marketing its services to you and giving you updates on its sales and deals, and you hereby consent to collection and further processing, if necessary, of your personal information for such purposes;
  • you request that MONEYBAGS endeavours to contact and obtain your personal information from you first, but where necessary for the purposes of this agreement, MONEYBAGS may also contact other sources to obtain your personal information;
  • you are aware of the main purpose for which your personal information is being collected and the intended recipients of this information, and where the information is used for other related purposes you relieve MONEYBAGS of its duty to inform you thereof;
  • you authorize MONEYBAGS to retain your personal information records for as long as it is reasonably necessary and to share your personal information with other persons who MONEYBAGS reasonably believes may have offers of products or services that may be of interest to you;
  • you further relieve MONEYBAGS of the duty to inform you each time of the fact that your personal information is being collected and from whom and whether the provision of this information is voluntary or mandatory and what law requires such collection; and
  • if any of your personal information which is sought to be processed falls within the definition of ‘special personal information’ as defined by any law, you hereby give your consent to the processing of such information.

 

7.            UPDATES TO THESE TERMS AND CONDITIONS

MONEYBAGS reserves the right to update, amend, change and/or modify these Terms and Conditions from time to time. Changes to these Terms and Conditions will become effective immediately upon such changes being posted to the Website.  By accessing the Website, you are bound to the version of the Terms and Conditions published at the time of any visit to the Website. The User’s continued use of the Website following the posting of updates, amendments, changes and/or modifications will be considered notice of the User’s acceptance to abide by and be bound by the updated and current version of these Terms and Conditions.

MONEYBAGS is also entitled to make any changes to the Content of the Website, and to deals, specials, sales and/or vouchers offered through the Website at any time and without notice.

A certificate signed by the administrator responsible for maintaining the Website will be face value (or “prima facie”) proof of the date of publication and Content of the current version of these Terms and Conditions, and/or all previous versions of the Terms and Conditions.

8.            COPYRIGHT AND INTELLECTUAL PROPERTY RIGHTS

MONEYBAGS provides the Content on the Website. Content currently or anticipated to be displayed on the Website is provided by MONEYBAGS, its affiliates and/or subsidiaries, or any other third party owners of such Content, such as the Retail Partners, and includes but is not limited to copyrighted material, musical works, artistic works, sound recordings, video materials, and other forms of content. All such proprietary works, and the compilation of the proprietary works, are copyright of MONEYBAGS, its affiliates or subsidiaries, or any other third party owner of such rights, such as the Retail Partners (“the Owners”), and are protected by South African and/or international copyright laws. Accordingly, any unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other circulation or exploitation of the Content or any component thereof will constitute an infringement of such copyright and other intellectual property rights.

The trademarks, names, logos and service marks (collectively “Trademarks”) displayed on the Website are the registered and/or unregistered Trademarks of MONEYBAGS, its affiliates and/or subsidiaries and/or the Retail Partners and/or any other third party owner (“the Owners”), as the case may be. Nothing contained on the Website should be construed as granting any license or right to use any Trademark without the prior written permission of the relevant Owner thereof.  Except as specified in these Terms and Conditions, you are not granted a license or any other right to copyright in respect of the Content, nor to use the Trademarks and/or any other intellectual property rights owned by the Owners which may be accessible via the Website, and all such rights are reserved and retained by MONEYBAGS and/or the relevant Owners, as the case may be.

You acknowledge that you have no right, title or interest in or to the Content, the Trademarks and/or any other intellectual property rights owned by the Owners.

9.            LIMITED LICENSE GRANTED TO USERS 

Without limiting the generality of the above section, you are authorised to view the Content and MONEYBAGS grants to you a non-exclusive, non-transferable, limited and revocable right to access, display, use, download and otherwise copy the current and future Content (including the Vouchers) for personal, non-commercial use and information purposes only.  The Vouchers shall be issued and downloaded or received as set out in this agreement and shall not be repackaged or made available to any other person that you, the consumer accepting these Terms and Conditions.

Save as contemplated by these Terms and Conditions, the Website and the Content may not be reproduced, duplicated, copied, resold, visited or otherwise exploited for any commercial purpose without the express prior written consent of MONEYBAGS.

The license does not allow you to collect or “scrape” product or service listings, descriptions or other information displayed about products and/or services on the Website, and does not allow any derivative use of this Website or the Content for the benefit of another merchant and/or retailer.

You may not frame nor use framing technologies to enclose the Website or the Content nor any part thereof without the express written consent of MONEYBAGS.

You are restricted to use the Website and Content only for lawful purposes and you warrant that you shall not use the Website: 1) to transmit or post material which is in violation of any law or regulation, which is obscene, threatening, racist, menacing, offensive, defamatory, in breach of any duty of confidence, in breach of any intellectual property rights, or otherwise objectionable or unlawful; and 2) other than for personal and non-commercial use, storage on a computer, or printing vouchers and/or  copies of extracts from the Website, which shall include “mirroring” or cache-ing any of the Content of Website on a server, or copying, adapting, modifying and/or reusing the text or graphics obtained from the Website, without the prior written permission of MONEYBAGS.

MONEYBAGS does not offer its services, guides, deals and/or Vouchers to minors. If you are under the age of 18, you may not respond to or otherwise accept or act upon any offers in the Website.

MONEYBAGS, its affiliates and/or subsidiaries reserve the right to refuse service, terminate subscription, remove or edit Content, and/or cancel orders at their sole discretion.

Any unauthorised use terminates this license.

10.          ACCEPTABLE USAGE OF USER FORUMS

Access to all User-generated information sharing pages on the Website, which includes the forum for Users to post their comments on the Content, and the feature “Ask the Expert” your questions, shall be granted at the sole and absolute discretion of MONEYBAGS and access may be suspended or revoked at any time without reason or notice. No person who has been granted access to any such pages may re-publish the content contained thereon in any other medium without the express written consent of MONEYBAGS. Any person who wishes to have access to such pages assumes all risks associated therewith. No person may publish any content on any MONEYBAGS forum or information sharing page that propagates racist, sexist, homophobic or xenophobic views, that constitutes hate speech or incitement to violence or that is designed or likely to provoke a sense of discomfort or fear in the reader.  MONEYBAGS retains unfettered editorial rights over all content published on its Website and reserves the absolute right to delete, edit or block any User-generated content as it sees fit.

11.          PERMISSION FOR HYPERLINKS, DEEP LINKING, CRAWLERS & METATAGS

No User may establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise (collectively referred to as “Linking”), to the Website or any subsidiary pages thereof before receiving MONEYBAGS’s prior written approval, which may be withheld or granted subject to the conditions MONEYBAGS may specify from time to time.

Any third party site may link to the Website provided that such a link is directed at the home page only, unless with our prior written consent.  We may provide links to other websites, such as the websites of the Retail Partners, but the inclusion of any link does not imply our endorsement of such sites, nor the endorsement of all such Retail Partner’s products and services, simply a recommendation in relation to money-saving opportunities.  Any links to other third party websites (that are not the websites of Retail Partners) are for convenience only and do not imply that MONEYBAGS thereby endorses such sites or recommends or endorses any of the products or services advertised on such sites.

MONEYBAGS shall not be held responsible or liable, directly or indirectly, in any way for the contents, use, or inability to use or access any linked websites or any advertisement displayed on the Website.

It is expressly prohibited for any person, business, entity, or website to frame any page on the Website, including the home page, in any way whatsoever, without the prior written approval of MONEYBAGS.  An application for Linking must be submitted to [advertising@moneybags.co.za]. Once received MONEYBAGS will do its best to respond and enter into further discussions with you. If you not receive a written response from MONEYBAGS within five business days, you should consider the request as having been rejected.

A breach of this provision entitles MONEYBAGS to take legal action without prior notice to you and you agree to reimburse MONEYBAGS with the costs associated with such legal action.

Hyperlinks:

Notwithstanding the fact that hyperlinks may exist in these Terms and Conditions to facilitate access to notices, policies and legislation that are incorporated into the Terms and Conditions, you agree that in those instances, where some or all of the hyperlinks malfunction or are not operational, such occurrence shall not affect the validity or enforceability of these Terms and Conditions. You undertake, at your own convenience and discretion, to review and acquaint yourself with necessary documents.

External Links:

External links, including to Retail Partners’ websites,  may be provided for your convenience, but the functioning of these links are beyond the control of MONEYBAGS and no representation is made as to the accuracy or reliability of any content accessed via such links. Use or reliance on any external links or content accessed via such links provided is at your own risk.  When visiting external links you must refer to that external website’s terms and conditions of use. No hypertext links shall be created from any website controlled by you or otherwise to the Website without the express prior written permission of MONEYBAGS.

Crawlers and Spider Searching Technology:

Apart from bona fide (or “good faith”) search engine operators and use of any search facility provided on the Website, you may not use or attempt to use any technology or applications (including web crawlers, robots or web spiders) to search, collect or copy Content from the Website for any purpose whatsoever, without the prior written consent of MONEYBAGS.  The use of non-malicious search technology, such as ‘web-crawlers’ or ‘web-spiders’ to search and gain information from the Website is not permitted if such technology will result in slowing down the Website’s server or if it will result in copyright infringement of any of the Content available on the Website. Data and information may only be used as provided for in these Terms and Conditions.  No permission is given or should be implied to use information on the Website for the purpose of communicating unsolicited marketing communications. E-mail addresses, names, contact telephone numbers and fax numbers published on the Website may not be incorporated into any database used for electronic marketing or similar purposes.

12.          SOFTWARE DOWNLOADS

Software, if any, made available for download on or via the Website may be governed by license conditions that establish a legal relationship with the licensor. You indemnify MONEYBAGS against any breach of these license conditions. MONEYBAGS gives no warranty and makes no representation, whether express or implied, as to the quality or fitness for purpose of the use of such software.

No warranty, whether express or implied, is given that any pages, files, downloads or applications available via the Website are free of viruses, Trojans, bombs, time-locks, spyware, malware or any other data or code which has the ability to corrupt or affect the operation of your computer, database, network or other information system.

13.          BROWSER COMPATIBILITY

MONEYBAGS retains an absolute and unfettered discretion to make this Website accessible or legible in particular web browsers only and, without limiting our discretion in any way, MONEYBAGS does not guarantee accessibility or legibility on any particular mobile phone or tablet browsers.

14.          NOTIFICATIONS & ALERTS

You understand and agree that any notifications or alerts that we may endeavour to provide to you may be delayed or prevented by a variety of factors. MONEYBAGS neither guarantees the delivery nor the accuracy of the content of any notification or alert. You also agree that MONEYBAGS shall not be liable for any delays, failure to deliver, or misdirected delivery of any notification or alert, for any errors contained therein or for any actions taken or not taken by you or any third party in reliance on a notification or alert. It is your sole responsibility to ensure that your contact details are kept updated for the purposes of receiving any notifications or alerts and that no other person has access to communications that we may send to you using the contact details that you provide us with.

15.          TERMINATION, SUSPENSION & LIMITATION

MONEYBAGS reserves the right to, at any time:

  • modify, suspend or discontinue the Website, whether temporarily or permanently, without notice;
  • impose limits or conditions on certain services, features or functions; and
  • restrict access to parts of or all of the services on the Website.

16.          DISCLAIMER & LIMIATION OF LIABILITY

Although MONEYBAGS has taken reasonable care to ensure that the Content on the Website is accurate, the Website is provided on an “as is” basis. Use of the Website is entirely at your own risk. You assume full responsibility for any loss or damage resulting from your use of the Website or your reliance on any of the Content or part/s thereof.

MONEYBAGS makes no warranty or representation as to the availability, accuracy or completeness of the Content. None of MONEYBAGS nor its affiliates and/or subsidiaries shall be held liable for any direct or indirect, special, consequential or other damages of whatsoever nature suffered or incurred by you or any other third party that may arise due to the use of the Website, or inability to access or use the Content or the Website or any functionality thereof, or of any linked website, even if MONEYBAGS is expressly advised thereof.

Without derogating from the generality of the above, MONEYBAGS will not be liable for:

  • any interruption, malfunction, downtime or other failure in respect of the Website or related database, system or network, for whatever reason;
  • any loss or damage in respect of customer data or other data, caused directly or indirectly as a result of any malfunction of the Website or related database, system or network, power failures, unlawful access to or theft of data, computer viruses or destructive code on the Website or related database, system or network, programming defects or negligence; or
  • any event over which MONEYBAGS has no direct control.

MONEYBAGS makes no warranties or representations regarding the effectiveness of any Website information security or encryption facilities or the Website’s suitability for any particular purpose. We do not warrant that the functions provided by the Website will be uninterrupted or error free, or that the website or the server which makes it available are free from viruses or other harmful components.

It is your responsibility to ensure that your computers and information systems are adequately protected against computer viruses, spyware, Trojan horses and other forms of malicious software or code.  MONEYBAGS will not be liable for any damages, losses or harm, including but not limited to direct, indirect, consequential loss or loss of profits that you or anyone else may sustain as a result of using the Website.

Without detracting from or in any way negating any other provision of these Terms and Conditions, you agree that under no circumstances shall our entire aggregate liability to you for any loss or harm suffered by you as a result of the use of the Website exceed the sum of R100.00 (One Hundred Rand).

17.          INDEMNITY

The User unconditionally and irrevocably indemnifies and holds MONEYBAGS harmless against all and any loss, liability, actions, lawsuits, proceedings, costs, demands and damages of all and every kind (including direct, indirect, special or consequential damages), and whether in an action based on contract, negligence or any other action, arising out of or in connection with the failure or delay in the performance of the services offered on the Website, the use of the services offered on the Website, the Content available on the Website or any other matter, directly or indirectly related to the User’s use of the Website, whether due to MONEYBAGS’s negligence or not.

18.          ELECTRONIC COMMUNICATIONS

Where you choose to communicate with us by means of any communication channel accessible via the Website, including email, form submission, IP telephony or instant messaging, you agree, subject to the provisions of any applicable law, to our right to monitor, intercept, block, filter, read, store and delete all such communications as we see fit or as required or permitted by any law.

We do not recommend that sensitive or confidential information be submitted to us via unencrypted channels and we do not warrant that all information communicated to or from us via the Website or online channels shall be encrypted and free from risk of interception.

19.          CHOICE OF LAW

This Website is controlled, operated and administered by MONEYBAGS from its offices as set out below within the Republic of South Africa. MONEYBAGS makes no representation that the Content is appropriate or available for use in any other locations or countries. Access to the Website from territories or countries where the Content is illegal, is prohibited. The User may not use this Website in violation of South African export laws and regulations. If the User accesses this Website from locations outside of South Africa, that User is responsible for compliance with all local laws. These Terms and Conditions shall be governed by the laws of the Republic of South Africa and the User consents to the jurisdiction of the Western Cape High Court, Cape Town, in the event of any dispute.

20.          PROSECUTION AND INDEMNITY FOR BREACH

MONEYBAGS reserves its right to take all appropriate actions against any person breaching these Terms and Conditions.  Furthermore, we will pursue both criminal prosecution of and civil compensation by any person that delivers or attempts to deliver any destructive code to this Website or attempts to gain unauthorized access to any page on this Website.

You agree to indemnify and hold MONEYBAGS harmless against any and all liabilities, including legal costs that it may sustain as a result of your breach of any of these Terms and Conditions or any negligent act or omission by you.

21.          GENERAL

The headings of the clauses in these Terms and Conditions are provided for convenience and ease of reference only and will not be used to interpret, modify or amplify the Terms and Conditions.

The Terms and Conditions are severable, in that if any provision is determined to be illegal or unenforceable by any court or other forum of competent jurisdiction, then such provision shall be deemed to have been deleted without affecting the remaining provisions of the Terms and Conditions.

MONEYBAGS’s failure or delay to exercise any particular right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision, whether express or implied, nor will it affect the validity of any part these Terms and Conditions or prejudice MONEYBAGS’s right to take subsequent action against the User, unless acknowledged and agreed to by MONEYBAGS in writing.

MONEYBAGS shall be entitled to cede, assign and delegate all or any of its rights and obligations in terms of these Terms and Conditions without prior notification to you and without your consent.

Should MONEYBAGS be prevented from fulfilling any of its obligations to you as a result of any event of force majeure, then those obligations shall be deemed to have been suspended to the extent that and for as long as MONEYBAGS is so prevented from fulfilling them and your corresponding obligations shall be suspended to the corresponding extent.  In the event that the relevant force majeure continues for more than fourteen days after it has fist occurred then MONEYBAGS shall be entitled (but not obliged) to terminate all of its rights and obligations in terms of or arising out of these Terms and Conditions by giving notice to the User.  An “event of force majeure” shall mean any event or circumstance which is not within the reasonable control of MONEYBAGS including, without limitation, any act of God, strike, theft, riots, explosion, insurrection or other similar disorder, war (whether declared or not) or military operations, the downtime of any external telecommunications line, power failure, international restrictions, any requirement of any international authority, any requirement of any government or other competent local authority, any court order, export control or shortage of transport facilities.

The current version of these Terms and Conditions, as varied by MONEYBAGS from time to time and including all documents incorporated by reference (or via hyperlink), constitute the entire and sole agreement between MONEYBAGS and the User with regard to the use of the Content and this Website.

These Terms and Conditions were last revised on 10th September 2012.

22. STATUTORY DISCLOSURES IN TERMS OF SECTION 43 OF THE ELECTRONIC COMMUNICATIONS AND TRANSACTIONS ACT

Full Name and Legal Status: Just Money (Pty) Ltd trading as MONEYBAGS

Physical Address and Telephone Number: 5th Floor, Elkay House, 186 Loop Street, Cape Town 8001

Email Address: herculaas@justmoney.co.za

Registration Number: 2007/012821/07

Registered Office Address: 5th Floor, Elkay House, 186 Loop Street, Cape Town 8001

Office Bearers: Adrian Hewlett (CEO); Ian Wason (CEO)

_____________________________________________________________________________