Fairheads Benefit Services (Pty) Ltd (“Fairheads”) is a company registered in accordance with South African company laws. Fairheads is an authorised financial service provider in terms of the Financial Advisory and Intermediary Services Act No 37 of 2002 and a licensed Section 13B Administrator in terms of the Pension Funds Act No 24 of 1956.

By accessing or using this website, you (“the User”) indicate your unconditional acceptance of these Terms and Conditions. Fairheads reserves the right, in its sole discretion, to update or revise these Terms and Conditions. Your continued use of the site subsequent to any changes to the Terms and Conditions constitutes acceptance of those changes.

If you do not agree to be bound by these Terms and Conditions, you must leave the Fairheads website immediately as further use will automatically indicate your acceptance and bind the User to these Terms and Conditions.

1. INTELLECTUAL PROPERTY RIGHTS

All intellectual property on this website including but not limited to content, software, text, graphics trade names, logos, pictures, video, downloads, domain names, patents, design elements, software, source code, meta tags, databases, text, graphics, icons and hyperlinks are the property of Fairheads.

No person may decompile, take apart, reverse engineer, or otherwise modify, adapt, alter or vary the whole or any part of the source code or intellectual property belonging to Fairheads.

All rights to intellectual property remains strictly reserved to Fairheads.

2. ALLOWED USE

Fairheads permits the User to view, download or print content on this website provided that it is for private and non-commercial use only.

Fairheads’ consent is required for any non-private or commercial use of the content found on the website.

The User may not use the website for any harmful or illegal purposes or use the website to publish any defamatory, untrue, prohibited material relating to any natural or juristic person

The User may not subject the website to any storing, hosting, transmission, sending, copying, using, publishing or distribution of any material which consists of or is linked to spyware, computer viruses, Trojan horse, worm, keystroke logger, rootkit or any other malicious software.

The User may not conduct any data collection activities whether manual, systematic or automated, including, without limitation, scraping, data mining, data extraction and data harvesting on or in relation to the website without Fairheads’ consent.

3. CHANGES AND AMENDMENTS

Fairheads reserves the right to add to, delete or change these terms and conditions as a result of changes in internet technology and applicable law. As such, the User should check the terms and conditions from time to time for such changes.

Fairheads further reserves the right to change the website, change the hardware or software required to access the Website.

4. BREACH

Fairheads reserves the right to claim damages or institute criminal proceedings if any User breaches any of the terms detailed herein.

Fairheads shall not be liable in any manner for any damages, loss or liability resulting from the use of the content by any User or third party who obtained any content from the User.

5. ENTIRE AGREEMENT AND SEVERABILITY

These terms and conditions constitute the entire agreement between Fairheads and the User and shall take preference over any disclaimers and/or legal notices attached to any communications and/or postings received by Fairheads from the User.

Any clause of the terms and conditions which is or becomes unenforceable, invalid or illegal, for any reason whatsoever, shall be disregarded, and the remaining clauses shall remain of full force and effect.

6. DISCLAIMER

Fairheads makes no representations or warranties, implied or otherwise, that, the content and technology available from this website are free from errors or omissions or that the service will be 100% uninterrupted and error free. Users are encouraged to report any possible malfunctions and errors to Fairheads email address shown at the end of this document.

The website is supplied on an "as is" basis and the User agrees that the website is used at his or her own risk. The website has not been compiled or supplied to meet the User's individual requirements. It is the sole responsibility of the User to satisfy himself or herself that the service available from and through the website will meet the User's individual requirements and will be compatible with the User's hardware and/or software.

Fairheads shall not be liable for any damage, loss or liability of any nature incurred by whomever and resulting from:

• • access to the website;
• • access to and use of the services;
• • inability to access the website or use the services;
• • any other reason not directly related to Fairheads’ gross negligence.

Information, ideas and opinions expressed on the website should not be regarded as professional advice or the official opinion of Fairheads and Users are encouraged to obtain professional advice before taking any course of action related to the information found on the website.

7. APPLICABLE LAW

This website is controlled from the Republic of South Africa and therefore South African law applies to these terms and conditions.

8. PRIVACY

Fairheads is committed to protecting Users’ privacy and will only use personal information for the lawful purpose for which it has been provided, will always be transparent with Users about what information is collected, what will be done with this information and with whom it is shared.

Personal information will always be kept strictly confidential and will only be disclosed or reported when required to do so in terms of any legislation or regulatory authority, and to our employees, or agents who would require such information to carry out their duties.

Consent

Fairheads will not use or disclose the Users’ personal information to third parties without his or her consent. When required Fairheads will ask Users’ for their explicit consent but in certain cases consent may be inferred from the User’s actions and behavior.

If you do not agree to the collection, use and disclosure of your personal information in this way, please do not use this website.

Collection of personal information

Fairheads may request that the User furnish us with his/her personal information to provide a service that has been requested. The personal information that will be collected may include but is not limited to the User’s:

• • Name and surname;
• • Identity number;
• • Gender
• • Residential and postal address;
• • Email address;
• • Telephone/ mobile number;
• • Nationality and country of residence;
• • Place of employment;
• • Companies, Trusts or Beneficiary Funds that users may render a service to; and
• • Feedback from the User about our website and services generally

Reasons for the collection of the personal information

Fairheads collects this information for the following reasons:

• • To identify the User;
• • To process instructions or requests;
• • To create a profile on all the information collected so that our services are able to meet the specific needs of the User;
• • To authenticate the User;
• • For the detection and prevention of fraud, crime, money laundering or other malpractice;
• • For audit and record keeping purposes.

Privacy rights

The User has the right to tell Fairheads if he or she:

• • would like us to correct, destruct, update, or delete his or her personal information in Fairheads records; or
• • wish to report any misuse of his or her personal information.

Fairheads will work promptly to resolve these issues.

Security

Fairheads will take all reasonable steps as required by the Protection of Personal Information Act and the Promotion of Access to Information Act, to protect the personal information of Users. Where legislation is absent in this regard, Fairheads will conduct itself in accordance with generally accepted principles.

The website may contain links to or from other websites. While Fairheads tries to link to websites that shares its high standards and respect for privacy, Fairheads is not responsible for the content or security or privacy practices employed by other websites and it is recommended that you always read the privacy and security statements on such websites.

Password

When using the website, the User will be given a randomly generated password. The User will be able to change this password, however, should he or she forget it, their password may be emailed to them upon request.

Cookies

We do not use cookies on our website.

9. GENERAL INFORMATION

• FULL NAME AND LEGAL STATUSFairheads Benefit Services (Pty) Ltd
• REGISTRATION NUMBER Registration no. 1992/004041/07
• PHYSICAL ADDRESS 15th Floor, No. 2 Long Street, Cape Town, 8001
• POSTAL ADDRESS P O Box 4392, Cape Town, 8000
• TELEPHONE NUMBER +27 21 410 7500
• WEBSITE ADDRESS www.fairheads.com
• E-MAIL ADDRESS benefitservices@fairheads.com
• PHYSICAL ADDRESS FOR RECEIPT OF LEGAL SERVICE 15th Floor, No. 2 Long Street, Cape Town, 8001
• INFORMATION OFFICER
  Darlene Van Dieman
  (Tel) 021 410 5820
  (Email) darlene@fairheads.com