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The bills.co.za team

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Terms and Conditions

    1.  Definitions

      1.1  In these general terms and conditions ("Terms"):

        1.1.1  "you" and "your" means any person who makes use of the bills.co.za Channels and/or the bills.co.za Payment Service ;

        1.1.2  "use" means to use, access, refer to, view or make and receive payments via the bills.co.za Payment Service , as the case may be;

        1.1.3  “bills.co.za Channels” means www.pocit.co.za, www.bills.co.za, *120*3636# and/or any website or number of bills.co.za via which the bills.co.za Payment Service is accessible and available;

        1.1.4  "bills.co.za Payment Service" means the service made available by us by means of which you are able to make payment of any invoice presented by us on behalf of a bills.co.za Merchant. The bills.co.za Payment Service is more fully set out in paragraph 4;

        1.1.5  "bills.co.za Merchant" means an entity registered with bills.co.za as a merchant;

        1.1.6  "bills.co.za User" means a user registered with bills.co.za to use the bills.co.za Payment Service;

        1.1.7  "Privacy Policy" means the privacy policy adopted by us. To view our Privacy Policy which forms part of these Terms, please scroll down; and

        1.1.8  "Loss" means any loss, including loss of profit, liability, expense, claim, penalty or damage, whether direct, indirect, special or consequential.

      1.2  Unless the context requires otherwise or it is expressly stated to the contrary, any words and phrases not defined in these Terms but defined in the Electronic Communications and Transactions Act 25 of 2002 ("the ECT Act") will bear the same meaning given to them in the ECT Act.

      1.3  The Terms and any additional document we incorporate by reference shall apply to you when you use the bills.co.za Channels and/or any part of the bills.co.za Payment Service.


    2.  What do these Terms regulate?
    Subject to paragraph 3.1, these Terms regulate the terms and conditions upon which you may use the bills.co.za Payment Service and otherwise use the bills.co.za Channels, including the use of the information, content, products or services including (without limitation) any text, software, icons, graphics, images, sound clips, trade names, logos, designs, trademarks and service marks which are displayed on, available on or incorporated in the bills.co.za Channels ("the bills.co.za Channels Content"), to the extent that such bills.co.za Channels Content is not regulated by its own terms of use.


    3.  Your agreement to comply with these Terms

      3.1  You agree that:

        3.1.1  clicking/checking "I Agree", making use of the bills.co.za Payment Service and/or any use of the bills.co.za Channels signifies your agreement to comply with all of the terms and conditions of these Terms;

        3.1.2  we may, at any time, amend or introduce additional terms and conditions relating to the bills.co.za Payment Service or any other service, content, products, facilities or functionality which is made available by us by way of the bills.co.za Channels, the bills.co.za Phone Application or otherwise. You will be notified of such amendments and additional terms and conditions in the manner provided for in paragraph 19.2 of these Terms;

        3.1.3  we may, in our sole discretion, at any time and for any reason and without prior notice, suspend or terminate the bills.co.za Payment Service, the operation of the bills.co.za Channels or any of the bills.co.za Channels Content or the right to use the bills.co.za Payment Service, the bills.co.za Channels or any of the bills.co.za Channels Content.

      3.2  If you do not agree to these Terms you must not make use of the bills.co.za Payment Service or the bills.co.za Channels and the bills.co.za Channels Content and you must immediately delete all copies of the bills.co.za Channels Content in your possession or under your control.

      3.3  These Terms are available on your cellphone via the bills.co.za Phone Application using your cellphone browser or on the bills.co.za Channels and you may print a copy of these Terms from the bills.co.za Channels. If you have any difficulty printing these Terms or require assistance in obtaining a hard copy or electronic copy of these Terms, you should contact our support team using the ‘talk to us’ function on the bills.co.za Phone Application or sending an email to info@bills.co.za.

      3.4  You agree that you are solely responsible for obtaining and maintaining all facilities, services, products and equipment which may be required by you to use the bills.co.za Channels, the bills.co.za Channels Content and the bills.co.za Payment Service.

      3.5  You also agree that we are allowed to grant the same, similar, additional or different right to any other person or entity.


    4.  The bills.co.za Payment Service

      4.1  The bills.co.za Payment Service is a service offered by us and designed to enable you to make payment of any invoice presented by us on behalf of a bills.co.za Merchant.

      4.2  We may, from time to time, add additional services, applications or functionalities to the bills.co.za Payment Service at our discretion.


    5.  Registration for the bills.co.za Payment Service

      5.1  Only bills.co.za Users who have registered may make use of the bills.co.za Payment Service either via the bills.co.za Channels. If you are younger than 14 years of age, you must have your parent's or guardians permission to register as a bills.co.za User. We will contact your parent or guardian directly in order to obtain such permission.

      5.2  To register for and use the bills.co.za Payment Services on the bills.co.za Channels: you will be required to:

        5.2.1  agree to these Terms via the bills.co.za Channels;

        5.2.2  provide us with all the information we require in order to make and receive payments on your behalf, including but not limited to: (i) your e-mail address; (ii) your cellphone number; (iii) your credit card and/or bank account details, if any, against and into which payments can be processed;

        5.2.3  validate your credit card and/or your bank account details (if any) using the validation procedure outlined in paragraph 8 only if required to do so by us; and

        5.2.4  create a unique personal identity number, or PIN, of your choice, which shall be no less than 5 and no more than 12 characters, only if required to do so by us.

        5.2.5  You will only be required to enter your unique PIN onto the bills.co.za Channels if requested. In no other circumstances will we request you to disclose your PIN via email, SMS, phone or any other method. You must not provide your PIN to anyone. You are solely responsible for keeping your PIN secret. In this regard, you will be solely responsible for any loss you may suffer should any other person use or have access to your PIN.


    6.  Authorisation

    You hereby authorise us to access your credit card/s, debit card/s and bank account/s nominated by you for the purposes of processing payments on your behalf and in so doing, you acknowledge that we act as your agent.


    7.  Description of the bills.co.za Payment Service

      7.1  Whenever you issue a payment instruction to us via the bills.co.za Channels, you must indicate which of your credit card, debit card or bank account you wish to utilise for the payment instruction.

      7.2  As part of our service to bills.co.za Merchants, a bills.co.za Merchant may authorise us to direct selected bills.co.za Users and other third parties to our bills.co.za Channels to view outstanding invoices which are due and payable to the bills.co.za Merchant. You may securely view on the bills.co.za Channels and make payment of your outstanding invoices which are due and payable to the bills.co.za Merchant.

      7.3  All transactions processed via the bills.co.za Payment Service will be processed in South African Rands.

      7.4  We accept all South African MasterCard and Visa credit cards. However, we reserve the right, in our sole discretion, to decline certain types of credit cards.


    8.  Identity authentication, cellphone number validation, credit card and bank account validation procedures

      8.1  By your acceptance of these Terms, you authorise us, during the registration process or at any time thereafter, to make any inquiries we consider necessary to validate your identity, including making enquiries at any credit bureau or other reputable authentication service.


    9.  Terminating your use of the bills.co.za Payment Service

      9.1  You may terminate your use of the bills.co.za Payment Service at any time for any reason by emailing our support team on info@bills.co.za and requesting us to terminate your use of the bills.co.za Payment Service, to deregister you as a bills.co.za User and to delete you from out database;


    10.  Security

      10.1  In order to ensure the security of the personal information provided by you and to guard against unauthorised use of the bills.co.za Payment Service, we

        10.1.1  undertake the validation procedures set out in paragraph 8, if applicable.

      10.2  In order to protect your interests, we will closely scrutinise the payments made by you to prevent and safeguard against any fraudulent activities.

      10.3  You acknowledge that the bank or banks at which your credit card(s) and bank account(s) are kept and other bills.co.za Users' banks have in place and implement fraud monitoring policies, rules and regulations and that a bank may, at any time, stop or reverse any transaction into or out of your credit card or bank account. In addition to the fraud monitoring policies, rules and regulations applied by banks, we will, in our discretion:

        10.3.1  not act on any payment instruction;

        10.3.2  reverse any payment;

        10.3.3  suspend your access to the bills.co.za Payment Service; and/or

        10.3.4  report our suspicions to any relevant body or authority, such as the police,


    11  Refund policy

      11.1  Save as set out in paragraph 11.6:

        11.1.1  you acknowledge that we are not responsible for the accuracy and/or integrity of any amounts payable by you; and

        11.1.2  you will not be entitled to any refund from us in respect of: (i) any payment made by you to any bills.co.za Merchant

      11.2  It is solely your responsibility to ensure that all payment instructions issued by you to us contain correct information and correct and valid cellphone numbers. It is incumbent on you to keep all information necessary to enable you to use the bills.co.za Payment Service secure and safe from unauthorised use by third parties.

      11.3  All queries on the amount payable by you must be made directly to the bills.co.za Merchant concerned. We will not be responsible for any Loss arising from or relating to your reliance on the information provided on the bills.co.za Phone Application, the bills.co.za Channels or otherwise communicated to you.

      11.4  When you issue us with a payment instruction, legal obligations arise and your right to a refund of monies charged to your credit card or debit card or bank account are limited by these Terms. You must not make any payment via the bills.co.za Channels unless you understand and agree to all of the applicable Terms. Once a payment instruction is issued, it is deemed that you have read and understood these Terms. If you have any queries, please contact us on info@bills.co.za before issuing any payment instruction via the bills.co.za Channels.

      11.5  Furthermore, should you issue a payment instruction which payment is later reversed for any reason whatsoever such that you are indebted to bills.co.za in any way, bills.co.za has the right to take such steps as it, in its sole discretion, deems necessary in order to recover such amount from you.

      11.6  Should you believe that, due to an error on our part, an erroneous payment transaction has been processed from your pay account, you must contact our support team by sending an email to info@bills.co.za within 30 days of the alleged erroneous payment, where after no requests for refunds will be considered by us. After undertaking a thorough investigation, we may, in our discretion and without admitting any liability, refund such payment within 14 days of the request being made and shall notify you, via SMS, of having refunded such payment.


    12  Costs and fees

      12.1  You acknowledge that your use of the bills.co.za Channels and/or the bills.co.za Payment Service will require the consumption of a certain amount of data and/or airtime on your cellphone. While we will use our best endeavours to ensure that the amount of data and/or airtime consumed on your cellphone when downloading the bills.co.za Phone Application and when using of the bills.co.za Channels and/or the bills.co.za Payment Service via your cellphone is as low as possible, you agree that you will be responsible for all costs charged by your cellphone network operator in respect of the data consumed when accessing the bills.co.za Payment Service via your cellphone.

      12.2  The fees charged to all bills.co.za Users are set out in the pricing table. You can view the table on the www.bills.co.za.


    13  Our undertakings

      13.1  Subject to the provisions of paragraph 16 of these Terms, we undertake to use our best endeavours to:

        13.1.1  ensure that, the bills.co.za Channels and/or the bills.co.za Payment Service operate in a proper and efficient manner; and

        13.1.2  ensure that the bills.co.za Channels and/or the bills.co.za Payment Service are kept free of viruses, destructive materials or any other data or code which is able to harm or otherwise impede in any manner the operation of a computer system, computer network, any handset or mobile device.

      13.2  We shall, at all times in rendering the bills.co.za Payment Service, comply with all applicable legislation, regulations and industry standards and practices.


    14  Your use of the bills.co.za Channels

      14.1  References and links to and from other bills.co.za Channels

        14.1.1  The bills.co.za Channels may contain references or links to other websites ("Other Websites") and to the products, opinions or services of third parties.

        14.1.2  Subject to the provisions of the ECT Act and to the fullest extent allowed by law, your use of the Other Websites or the products or services of third parties is entirely at your own risk. We shall not be responsible for any Loss arising from or related to your reliance on, use or attempted use of Other Websites or the opinions, products or services of third parties.

        14.1.3  You shall not make (and may not permit any third party to make) any reference to us, the bills.co.za Channels or the bills.co.za Channels Content, whether by way of a link or otherwise, where the reference could, in any way, be interpreted as an endorsement, affiliation or recommendation by us in relation to you or a third party or of the services, products or opinions of a third party, without our prior written consent.

        14.1.4  For the purposes of this paragraph 14.1, any reference to us will be considered to also include our employees, officers, directors, representatives, agents, shareholders, affiliates, subsidiaries, holding companies, advisers, service providers, suppliers and content providers.

      14.2  Your behaviour when using the bills.co.za Channels

        14.2.1  You shall not use the bills.co.za Channels to obtain or distribute:

          14.2.1.1  copyrighted material or material protected by law without our prior written consent; or

          14.2.1.2  material containing viruses or any other destructive materials or data or code which is able to corrupt, interfere with, jeopardise, disrupt, disable, harm or otherwise impede in any manner the operation of a computer system or hardware or software.

        14.2.2  You must not perform any act which may jeopardise or interfere with the functionality or the operation of any part of the bills.co.za Channels.

        14.2.3  You are strictly prohibited from using the bills.co.za Channels for "spoofing", "hacking", "flaming", "cracking", "phishing" or "spamming" or any other activity designed or aimed at achieving purposes similar or the same as the aforementioned acts.

        14.2.4  You shall not intercept any information transmitted to or from us or the bills.co.za Channels which is not intended by us to be received by you.

        14.2.5  Subject to the further provisions of these Terms, the bills.co.za Channels and the bills.co.za Channels Content may only be used by you for lawful personal purposes ("the Permitted Use"). The Permitted Use shall not extend to the use of the source code of the bills.co.za Channels or the bills.co.za Channels Content.

        14.2.6  In addition, you are not allowed, without our prior written approval, to:

          14.2.6.1  frame, link to, modify, distribute, commercialise, exploit and/or alter the bills.co.za Channels or the bills.co.za Channels Content;

          14.2.6.2  incorporate any part of the bills.co.za Channels Content in any other work or publication; and/or

          14.2.6.1  perform any other act which may not be considered fair use.

        (collectively "Prohibited Acts").

        14.2.7  Any restrictions on the use of the bills.co.za Channels or the bills.co.za Channels Content shall also apply to any part of the bills.co.za Channels or the bills.co.za Channels Content which may be cached when using the bills.co.za Channels or the bills.co.za Channels Content.

        14.2.8  Requests for approval to perform a Prohibited Act must be submitted to info@bills.co.za. We are entitled, in our sole discretion, to withhold or grant consent. We may also impose any conditions on any consent which is granted by us.

      14.3  Security Policy

    While no data transmission over the Internet can be guaranteed to be 100% secure, we will take all reasonable measures to ensure that the information you transmit to us using the bills.co.za Channels will remain confidential and protected from unauthorized access.

      14.4  Interception and monitoring

    You agree that your communications on the bills.co.za Channels may be intercepted, as defined in the Regulation of Interception of Communications Act 70 of 2002 (as amended), by us or any other competent authority.


    15.  Exclusion of liability for use of the bills.co.za Channels, the bills.co.za Channels Content and the bills.co.za Payment Service

      15.1  Your use of the bills.co.za Channels and the bills.co.za Payment Service is entirely at your own risk.

      15.2  You agree that in providing the bills.co.za Payment Service, you authorise bills.co.za to communicate with bills.co.za Merchants or other third parties at the time of transaction via SMS or other means of communication for and on your behalf. Under no circumstances will bills.co.za be responsible for or liable to you, any bills.co.za User, bills.co.za Merchant or other third party as a result of any complaint or claim which may be brought against bills.co.za as a result of bills.co.za transmitting (or facilitating the transmission of) any SMS or other communication pursuant to the bills.co.za Payment Service. You indemnify bills.co.za accordingly. bills.co.za shall refer all such queries and complaints to you for resolution in this regard.

      15.3  You agree that we will not be liable for any unavailability, interruption, downtime, malfunction or failure of the bills.co.za Channels, the bills.co.za Channels Content or the bills.co.za Payment Service for any reason whatsoever including:

        15.3.1  any act or omission of any third party including any cellphone network operator or bank;

        15.3.2  any cellphone network failures or problems that prevent or delay the transmission and receipt of GPRS data or the transmission and delivery of any SMS notifications contemplated in these Terms; and

        15.3.3  power failures, natural phenomena, riots, acts of vandalism, sabotage or any event beyond our control.

      15.4  In addition, you agree that we will not be liable for any Loss you may suffer as a result of any unauthorised use of the bills.co.za Payment Service utilising your PIN on your cellphone and/or any non-payment by or from you arising from any bank halting or reversing any payment transaction for any reason whatsoever.

      15.5  Subject to the provisions of the ECT Act and to the fullest extent allowed by law, we shall not have any liability whatsoever in relation to the bills.co.za Channels, the bills.co.za Channels Content and/or the bills.co.za Payment Service. You hereby indemnify us against any Loss arising from (i) your use of or reliance on the bills.co.za Channels, the bills.co.za Channels Content or the bills.co.za Payment Service; (ii) any actions or transactions resulting therefrom or (iii) the occurrence of the events set out in paragraph 15.1 and 15.5 above, even if we have been advised of the possibility of such Loss.

      15.6  You further indemnify us against any demand, claim or action relating to or in connection with the bills.co.za Payment Service unless such demand, claim or action arose as a direct consequence of our gross negligence or wilful misconduct. Any such demand, claim or action shall be limited to direct damages. Special and consequential damages are specifically excluded.

      15.7  To the fullest extent allowed by law, if any of the limitations or exclusions of our liability in these Terms are held by any competent court, arbitrator or authority to be invalid or unenforceable, in no event will our total cumulative liability to you exceed the actual amount of the disputed payment transaction.

      15.8  For the purposes of this paragraph 15, any reference to us will be deemed to also include our employees, officers, directors, representatives, agents, shareholders, affiliates, subsidiaries, holding companies, advisers, service providers, suppliers and content providers.


    16  Exclusion of warranties and representations

      16.1  The bills.co.za Channels, the bills.co.za Channels Content and the bills.co.za Payment Service are provided "as is" and are subject to change without notice.

      16.2  We do not accept any responsibility for any errors or omissions on the bills.co.za Channels or the bills.co.za Channels Content. In addition, you acknowledge that the bills.co.za Channels Content may not be accurate or complete.

      16.3  Subject to the provisions of the ECT Act, the bills.co.za Channels and the bills.co.za Payment Service is provided without any representation or warranty whatsoever, whether express, implied or statutory, including (without limitation) any representation or warranty as to the operation, integrity, compatibility, availability or functionality of the bills.co.za Channels or the bills.co.za Payment Service.

      16.4  We also make no warranty or representation, whether express or implied, that the bills.co.za Channels Content or the bills.co.za Phone Application is free of viruses, destructive materials or any other data or code which is able to harm or otherwise impede in any manner the operation of a computer system, computer network or your hardware or software and you accept all risks in this respect.

      16.5  You may also not rely on any warranty or representation, which allegedly induced you to agree to these Terms or to access the bills.co.za Channels, unless the representation or warranty is recorded in these Terms.

      16.6  You acknowledge that the information on the bills.co.za Channels and the bills.co.za Channels Content is not intended to, and does not, constitute advice or a recommendation of any nature whatsoever, including (without limitation) in respect of any institution, investment, service or product.

      16.7  The grant of any indulgence by us to you in respect of any matter connected to your use of the bills.co.za Payment Service shall not constitute a waiver of any right by us or prevent or adversely affect the exercise by us of any existing or future right.


    17.  Intellectual Property Rights

      17.1  The bills.co.za Channels, the bills.co.za Channels Content and the bills.co.za Payment Service are protected by law. This incorporates all intellectual property rights in respect of the bills.co.za Channels, the bills.co.za Channels Content and the bills.co.za Payment Service, including all rights, title and interest (statutory and common law) in copyright, designs, trademarks and inventions. Any unauthorised use of the bills.co.za Channels, the bills.co.za Channels Content and/or the bills.co.za Payment Service and all intellectual property rights related thereto is prohibited.

      17.2  You will not acquire any right, title or interest, including any intellectual property rights, in or to the bills.co.za Channels, the bills.co.za Channels Content and/or the bills.co.za Payment Service other than those rights expressly granted to you in these Terms.

      17.3  Where any of the bills.co.za Channels Content has been licensed to us or belongs to any third party, your rights of use will also be subject to any terms and conditions which that licensor or third party imposes from time to time and you agree to comply with such third party terms and conditions.


    18.  Variation of certain deeming provisions in the ECT Act

    By using the bills.co.za Channels and/or the bills.co.za Payment Service, you agree that these Terms create a binding agreement between us and you, even though these Terms are wholly or partly in the form of a data message. You agree specifically that:

      18.1  the agreement will be treated as if it was concluded at our physical address on (i) the date on which you first made any use of the bills.co.za Channels or (ii) the date on which you first register as a bills.co.za User, whichever is the earlier;

      18.2  an electronic signature is not required by you or us for purposes of agreeing to these Terms;

      18.3  your use of the bills.co.za Channels and/or the bills.co.za Payment Service is sufficient evidence of your agreement to these Terms;

      18.4  any data message sent by either you or us to the other will be deemed to have been sent from our physical address if neither your usual place of business nor residence is located within the Republic of South Africa;

      18.5  subject to the further provisions of these Terms, any communication sent to you by an information system programmed to operate automatically on our behalf will be a data message attributable to, or authorised by us;

      18.6  subject to the further provision of these Terms, a data message sent by you to us will only be treated as having been received by us when an acknowledgement of receipt is sent by us personally or a person who had authority to act on our behalf in respect of that data message; and

      18.7  these Terms will be interpreted and implemented in accordance with the laws of the Republic of South Africa and you agree to the jurisdiction of the courts of the Republic of South Africa.


    19  Variation of these Terms

      19.1  Subject to the variations or amendments provided for in terms of paragraph19.2, no other variation or amendment, in any form whatsoever, of these Terms will be enforceable or binding on us unless we have agreed to such variation or amendment in writing. For this purpose, "writing" shall be writing on paper signed in ink by our authorised representative and specifically excludes any writing that may be in electronic format.

      19.2  We are entitled and reserve the right to vary or amend these Terms from time to time and in our sole discretion. Any amendments to these Terms will be displayed on the bills.co.za Channels from time to time. On the first occasion on which you use the bills.co.za Channels or the bills.co.za Payment Service after we amend the Terms, you will be notified that amendments to the Terms have been effected and if you continue to use the bills.co.za Payment Service thereafter, the amended Terms will immediately be treated as being effective and binding upon you.

      19.3  It is your responsibility to access and familiarise yourself with any amendments to the Terms on each occasion that you make use of the bills.co.za Channels, the bills.co.za Channels Content or the bills.co.za Payment Service.


    20  Miscellaneous matters

      20.1  Addresses

        20.1.1  Our address for the service of any legal notice is:

    postal address : P O Box 69210 Bryanston 2021

    physical address : Pin Oak House Ballyoaks Office Park 35 Ballyclare Drive Bryanston 2021

    current fax no :086 555 9631

        20.1.2  Notices given to the above addresses shall be deemed to have been duly given:

          20.1.2.1  14 days after posting, if posted by registered post to our postal address;

          20.1.2.2  on delivery, if delivered to our physical address; and

          20.1.2.3  on despatch, if sent to our then fax number.

      20.2  Disputes, claims and legal proceedings

        20.2.1  Any dispute declared by you and any claim which you may have against us arising out of or in connection with these Terms or the use of the bills.co.za Payment Service, including after termination, cancellation or amendment of these Terms, the bills.co.za Payment Service will be referred to arbitration in accordance with the Arbitration Act 1965 (as amended) or any replacement Act and will take place in accordance with the Commercial Arbitration Rules of the Arbitration Foundation of Southern Africa.

        20.2.2  If we declare a dispute with you, or wish to institute any claim or legal proceedings against you arising out of or in connection with these Terms or your use of the Website, the Website Content or the bills.co.za Payment Service, we reserve the right to deal with the matter in a forum of our choice, which will include but will not be limited to, the courts of the Republic of South Africa. This right will continue to apply after termination, cancellation or amendment of these Terms.

        20.2.3  Notwithstanding anything to the contrary contained in these Terms, neither you nor we will be precluded from obtaining interim relief on an urgent basis from a court of competent jurisdiction pending the institution or resolution of a dispute or other legal proceedings.

      20.3  Costs

    Any costs, including legal costs on attorney and own client scale and value-added tax, incurred by us arising out of your use of the bills.co.za Channels, the bills.co.za Channels Content and/or the bills.co.za Payment Service, or a breach of these Terms, will be borne by you.

      20.4  Assignment

        20.4.1  You shall not cede, assign or transfer any of your rights and obligations in these Terms without our prior written consent.

        20.4.2  We are entitled to cede, assign or transfer any of our rights and obligations in these Terms without your prior written consent and without notice to you.

      20.5  Interpretation

        20.5.1  A copy of the ECT Act can be viewed and downloaded at http://www.polity.org.za/pdf/ElectronicCommunications.pdf. It is your responsibility to ensure that the copy downloaded is the most recent version of the ECT Act.

        20.5.2  In the event that any part of these Terms are found to be invalid, unlawful or unenforceable, such terms will be severable from the remaining terms, which will continue to be valid and enforceable.

        20.5.3  No relaxation or indulgence which we may grant to you will be deemed to be a waiver of any of our rights in these Terms or in law.

        20.5.4  The termination of any agreement created by these Terms will be without prejudice to any other rights or remedies that you or we may be entitled to under the agreement or at law, and will not affect any of our or your accrued rights or liabilities nor the coming into or continuance in force of any provision of these Terms which is expressly or by implication intended to come into or continue in force on or after such termination.

      20.6  Additional disclosures in terms of section 43 of the ECT Act

    In terms of section 43 of the ECT Act, you are entitled to the following additional information:

        20.6.1  the names of our office bearers being:

    Gerrit Johannes van Zyl (director), Blagoja Pardulski (director), Richard Donald Selkirk Came (director), Jeremy Ord (director), Ariel Eli Atie (company secretary and officer), Dewald Dempers (director), Andre Meyer (director), Keith Quarmby (director) and Luis Henriques da Silva (director).

        20.6.2  our membership to any self-regulatory or accreditation bodies:

    bills.co.za is an accredited Payer Service Provider. To verify our accreditation you may view it at http://authorisation.pasa.org.za or you may contact the Payments Association of South Africa at www.pasa@pasa.org.za or +27 11 645 6760.

        20.6.3  the manner and period within which you can access and maintain a full record of any payment transaction:

    You may request to view your full payment transaction history for the preceding 12 months only by logging on to the bills.co.za Channels.



     

    Privacy Policy



    1 Introduction

      1.1  We recognise the importance of protecting your privacy in respect of the personal information (as this phrase is defined in the ECT Act) collected by us when you use the bills.co.za Channels, the bills.co.za Payment Service or when you register for the bills.co.za Payment Service. We will attempt to limit the types of personal information we collect to only that to which you consent and which is necessary for the purposes of providing you with access to the bills.co.za Payment Service.

      1.2  In adopting this Privacy Policy, we wish to balance our legitimate business interests and your reasonable expectation of privacy. Accordingly, we will take reasonable steps to prevent unauthorised access to, or disclosure of your personal information. However, we do not guarantee that your personal information shall be 100% secure.


    2  Your agreement in relation to your personal information

      2.1  By continuing to use the bills.co.za Channels or the bills.co.za Payment Service, you agree:

        2.1.1  to the terms and conditions set out in this Privacy Policy. If you do not agree with this Privacy Policy, please do not continue to use the bills.co.za Channels, the bills.co.za Payment Service ; and

        2.1.2  that we may "collect, collate, process and/or store" your personal information (as this phrase is used in the ECT Act) ("Collect") for, amongst other things: (i) the purposes of providing you with access to the bills.co.za Channels, the bills.co.za Channels Content, the bills.co.za Payment Service ; and (ii) for any of the purposes listed at paragraph 25 below.

      2.2  We reserve the right to vary the terms of this Privacy Policy. It is your responsibility to familiarise yourself with the most recent version of this Privacy Policy each time you access the bills.co.za Channels or the bills.co.za Payment Service.


    3  What types of personal information do we Collect?
    The types of personal information that we may Collect includes information necessary for our legitimate business interest and the categories of personal information identified in the ECT Act. This may include (amongst other things) your name and identity number, e-mail and physical addresses, postal address, contact information and cellphone number.


    4  When will we Collect your personal information?

      4.1  Personal information may be Collected by us in several ways, including when:

        4.1.1  you register/sign up for the bills.co.za Payment Service ;

        4.1.2  you view the amount(s) payable by you to our clients on the bills.co.za Channels;

        4.1.3  you make use of the bills.co.za Payment Service ;

        4.1.4  we carry out demographic research; and

        4.1.5  you browse the bills.co.za Channels.

      4.2  You acknowledge that all personal information Collected by us may be stored by us and used for any of the purposes listed in these Terms.

      4.3  You acknowledge that third parties that have links on the bills.co.za Channels may also Collect your personal information. You agree that the information processing practices of those third parties are neither under our control nor regulated by this Privacy Policy.


    5  How do we use your personal information

    We may use your personal information: (i) to notify you of any amounts payable by you to any bills.co.za User or bills.co.za Merchant; (ii) to provide you with confirmation reports regarding whether or not a payment has been successfully made; (iii) to verify any payments made by you on the bills.co.za Channels; (iv) to notify bills.co.za Merchants of your payment(s); (v)for security, administrative and legal purposes; (vi) for customer relations; and (vii) for helping us in any future dealings with you.


    6  Sharing of your personal information

      6.1  While we will attempt not to disclose any of your personal information to third parties, except when we have your permission or for purposes of our legitimate business interests, we do not guarantee that your personal information will not be shared with third parties without your permission.

      6.2  You agree that your personal information may be shared with (amongst others) the following parties:

        6.2.1  our holding companies, subsidiary companies, agents, advisers, service providers and suppliers;

        6.2.2  bills.co.za Merchants to whom any amount is payable by you;

        6.2.3  any party involved in providing the bills.co.za Payment Service ;

        6.2.4  data processors;

        6.2.5  credit and other payment card providers; and/or

        6.2.6  government and law enforcement agencies, where the law requires that we disclose your personal information to a party, and where we have reason to believe that a disclosure of personal information is necessary to identify, contact or bring legal action against a party who may be in breach of these Terms or may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other bills.co.za Users and bills.co.za Merchants, or anyone else that could be harmed by such activities.


    7  Use of cookies

      7.1  Cookies are pieces of information the bills.co.za Channels may transfer to a visitor to the bills.co.za Channels’ hard drive / storage device for record-keeping purposes. Cookies make surfing the web easier for you by saving your preferences and, tracking your online habits, traffic patterns and making sure you do not see the same advertisement too often. The use of cookies is an industry standard.

      7.2  We may place a "cookie" on your browser to store and sometimes track information about you.

      7.3  While most browsers are initially set up to accept cookies, you can reset your browser to refuse all cookies or indicate when a cookie is being sent. Please note that some parts of the bills.co.za Channels will not function properly if you refuse cookies.


    8  Use of IP address

      8.1  An IP address is a number that is automatically assigned to a computer whenever it is connected to the Internet. We log IP addresses or the location of computers on the Internet.

      8.2  We collect IP addresses for the purposes of system administration and to audit the use of the bills.co.za Channels. We do not ordinarily link IP addresses to personal information, which means that your session may remain anonymous. However, we cannot guarantee that this will always be the case, as it may be necessary to identify a particular visitor to the bills.co.za Channels when it is necessary to enforce compliance with the Terms or to protect the bills.co.za Channels, bills.co.za Users, bills.co.za Merchants or other interests.


    9  Links to other sites

    When you are using the bills.co.za Channels, you could be directed to other sites that are beyond our control. These other bills.co.za Channels may send their own cookies to you, collect data or solicit personal information. We do not control the privacy policies of those third party websites.


    10  E-Mail

    You agree that we may periodically send e-mails to you about materials, services, products or promotions offered by us and our advertisers to the e- mail address provided by you.