TERMS OF USE

AS USED HEREIN, THE TERMS “YOU” AND “USER” SHALL MEAN ANY VISITOR TO THE WEBSITE. 

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE, FROM TIME TO TIME IN OUR SOLE DISCRETION. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE. 

You are strictly prohibited to misuse any of the information posted to this Website. 

You acknowledge that we may disclose and transfer any information that you provide through this Website – You consent to the transmission, transfer or processing of such information as we deem necessary or appropriate, and by using and providing information through this Website you agree to such transfers. 

Use of this Website may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording. You are responsible for being familiar with the current version of these Terms and Conditions posted on the Website during each session. 

Copyright notices

The works of authorship contained in this Website, including but not limited to all design, text, sound recordings, and images, are owned or licensed, except as otherwise expressly stated, by REACH BUSINESS ADVISORY (PTY) LTD.

Trademark notices 

“REACH BUSINESS ADVISORY,” logo and the ‘A’ Symbol are trademarks of REACH BUSINESS ADVISORY.

Website content and materials

The information on this Website is for information purposes only. It is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. User accesses, uses, and relies upon such content at User’s own risk. Please seek the advice of professionals as necessary regarding the evaluation of any content on this Website. The information on this Website is not intended as an offer or solicitation for the purchase of any material.

Some of our other websites or pages within this Website contain supplemental terms and conditions and additional disclosures and disclaimers, which are in addition to these terms and conditions, disclosures and disclaimers. In the event of a conflict, the supplemental terms and conditions and additional disclosures and disclaimers will govern for those sections or pages.

Materials and information posted on the Website may be printed for your use, provided, however, that third party exchange data, if any, may not be downloaded, printed or redistributed for any purposes whatsoever. Materials and information posted on the Website may not be duplicated, copied, re-disseminated or re-distributed to any other person or entity. Re-dissemination and re-distribution includes, without limitation, making any such materials and information available via the Internet or via any other electronic means of access. 

All REACH BUSINESS ADVISORY research is subject to a disclaimer included in such research. Any material excerpted or summarized from a research report is subject to the terms of the disclaimer. The information on the Website, including research, is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

You agree that (i) you will not engage in any activities related to this Website that are contrary to applicable law, regulation or the terms of any agreements you have with us, and (ii) in circumstances where locations of this Website require identification for access, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals. You agree that you will not use any robot, spider, other automatic device or manual process to monitor or copy our web pages, data or the content contained herein or for any other unauthorized purpose without our prior expressed written permission.

We or our suppliers may discontinue or make changes in the information, products or services described herein at any time without prior notice to you and without any liability to you.   Any dated information is published as of its date only or, if no date is stated, the date of first posting.  We do not undertake any obligation or responsibility to update or amend any information on this website.  We reserve the right to terminate any or all website offerings or transmissions without prior notice to you.  Furthermore, no distribution or solicitation is made by us to any person to use this website or the information, products or services in jurisdictions where the provision of this website and such information, products or services is prohibited by law.

Suitability and Appropriateness
Material mentioned in the Website may not be suitable or appropriate for all Businesses or in all geographical areas. Your particular needs, objectives and situation were not taken into account in the preparation of this Website and the materials contained herein. You must make your own independent decisions regarding any information mentioned herein. The fact that REACH BUSINESS ADVISORY has made available to you through the Website opinions and other information constitutes neither a recommendation that you enter into a particular transaction nor a representation that any material is suitable or appropriate for you.   You should consider carefully whether any material or product is appropriate for you in the light of your particular needs, objectives and circumstances.

Potential Disruption of Service
You shall be responsible for obtaining and maintaining all telephone, computer hardware, software, and other equipment needed to access and use this Website. Access to this Website may from time to time be unavailable, delayed, limited or slowed due to, among other things:   

• hardware failure, including among other things, failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;
• software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;
• overload of system capacities;
• damage caused by severe weather, earthquakes, wars, insurrection, riots, terrorism, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;
• interruption (whether partial or total) of power supplies or other utility of service;
• strike or other stoppage (whether partial or total) of labor;
• governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or
• any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond our control.   

If access to this Website is unavailable, delayed or limited, or if this Website does not operate quickly and efficiently, you may be unable to transmit your instructions for transactions and other matters, or such instructions may not be promptly executed or you may be unable to retrieve information on a timely basis. If your operations are dependent on such communications with us, and such communications are disrupted or delayed, you may suffer losses. JPMorgan will not be liable for any such loss. 

LIMITATION OF LIABILITY Because of the possibility of human and mechanical error as well as other factors, the website (including all information and materials contained on the website) is provided “as is” and “as available.” we, our affiliates, and any third party data providers:

• are not providing any warranties and representations regarding the website;
• disclaim all warranties and representations of any kind with regard to the website, including any implied warranties of merchantability, non-infringement of third party rights, freedom from viruses or other harmful code, or fitness for a particular purpose;
• do not warrant the accuracy, adequacy, or completeness of the information and materials contained on the website and expressly disclaims liability for errors or omissions in the materials and information; and
• will not be liable for any delay, difficulty in use, computer viruses, malicious code or other defect in this website, any incompatibility between the website and the user’s files and the user’s browser or other site accessing program, or any other problems experienced by the user due to causes beyond our control.

No license to the user is implied in these disclaimers. Nothing herein shall be construed as limiting or reducing our responsibilities and obligations to clients in accordance with applicable laws and regulations.

Under no circumstances will we be liable for any lost profits, lost opportunity or any indirect, consequential, incidental, special, punitive, or exemplary damages arising out of any use of or inability to use the website or any portion thereof, regardless of whether we have been apprised of the likelihood of such damages occurring and regardless of the form of action, whether in contract, warranty, tort (including negligence), strict liability, or otherwise.

Enforceability and Governing Law
In the event any of the terms or provisions of these Terms and Conditions shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These Terms and Conditions shall be subject to any other agreements you have entered into with REACH BUSINESS ADVISORY. The user’s access to and use of the Website, and the terms of this disclaimer are governed by the laws of SOUTH AFRICA.

Any action against REACH BUSINESS ADVISORY arising from or relating to your access to and use of the Website and the provisions of these Terms and Conditions must be brought by you in a court located in SOUTH AFRICA.

You consent to the jurisdiction and venue of the state and federal courts located within SOUTH AFRICA, for the adjudication of all claims by REACH BUSINESS ADVISORY against you arising from or relating to your access to and use of the Website and the provisions of these Terms and Conditions.