Fincheck Terms & Conditions

Welcome to Fincheck. We place you as the customer at the forefront of our business and believe your privacy and information security is of the utmost importance. Our standards and policies are structured in the most customer friendly and watertight way possible. Our Privacy Policy applies to all current and former clients. It should be read in conjunction with the Fincheck Terms and Conditions. In the terms and conditions stated here, whenever we use "us", "we" and "our", it refers FINCH TECHNOLOGIES and "you" and "your" refers to anyone who uses the Fincheck product or network.

General

i. The access and use of this website is subject to the following Terms and Conditions and our Privacy Policy. By using this website, you agree to act according to these Terms and Conditions and our Privacy Policy. If you do not conform to the following Terms and Conditions or our Privacy Policy, you are not allowed to access and use this website and you should stop such access and/or use now.

ii. If you violate any of the terms mentioned herein, your right to access and use this website shall be terminated immediately.

iii. We reserve the right to make changes to these Terms of Use from time to time without providing any prior notification. The amended Terms of Use are effective from the date they are announced on this website. As these Terms of Use are amended from time to time, you must check them whenever you visit this website. Your continued access and use of this website shall represent your acceptance of the amended Terms of Use.

Our Service

i. We offer an independent online service that allows you to compare banking, loans, telecommunication and coupon products provided by third parties. Our comparison service is free. We earn money by charging the concerned third party provider a fee and/or commission for the leads generated.

ii. We additionally allow you to get assistance and help offline (such as over the telephone) on using this website either from us or from a third party related to our offered products or services. We do not charge you for this service.

iii. Please bear in mind that nothing on this website ought to be thought of as financial advice or a recommendation of any of the featured products or services. Information on this website is provided to help you choose the product or service that best meets your needs. However, it is solely your responsibility to check the suitability of the product or service that is of interest to you and it is your decision to get or refrain from getting any product or service.

iv. Please bear in mind that nothing on this website is, or shall be deemed to represent, a proposal by us or any third party to sell to you any product or service or to enter into any contract with you in respect to any product or service. By giving us your details, you are making a proposal to get the relevant product or service from the relevant third party based on its terms and conditions.

v. We aim to give you uninterrupted access to the current website. However, we cannot assure you of uninterrupted availability of this website. We have the right to suspend, limit or terminate your access to the current website at any time.

vi. We reserve the right to feature, amend, delete, edit, take away or modify any data, content, material or information displayed on this website at any time.

Permitted Use

i. You are solely permissible to access and use this website for personal, non-commercial functions, which means this website shall solely be accessed and used directly by a private individual or by a business to hunt a product or service for that individual or business and on their own behalf. Access to and use of this website aside from for your personal, non-commercial functions is strictly prohibited :

- In any unlawful, fraudulent or commercial manner

- To hurt, abuse, embarrass, defame, libel, threaten, intimidate or harass another person or business, or in a manner that invades another person's privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory or damaging as determined by us.

- To produce, check, confirm, update, modify or amend your own or another person's databases, records or directories.

- To alter or reverse engineer any a part of this website.

- In a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems as determined by us.

- Using any automatic computer code, process, program, robot, net crawler, spider, data processing, trawling or alternative 'screen scraping' computer code, process, program or system.

Intellectual Property Rights

i. The copyright of the data, content, material or information displayed on this website belongs to us or our licensor. You can print, copy, transfer or store extracts of content, material or information displayed on this website for your own personal use if you abide by the following conditions:

- It cannot be used for any business or commercial functions without our permission.

- You will not use any automatic computer code, process, program or system, robot, net crawler, spider, data processing, trawling or alternative 'screen scraping' computer code, process, program.

- It cannot be sold out or transferred to any third party.

- The copy should retain any copyright or alternative property notices contained within the original.

- Images displayed on this website are protected by copyright and will not be reproduced or taken in any way without the written permission of the various owner(s).

- No logos, trademarks or service marks displayed on this website can be written or downloaded, except as a part of the text of which they are already part of.

- You should not modify the paper or digital copies of such data, content, material or information. It shall not be excerpted, reproduced, published, used, reformatted and/or displayed on another website without our written permission.

- The standing of us and our licensors as authors of such data, content, material or information should be acknowledged at all times.

ii. All intellectual property rights such as patents, logos, net domain names, ethical rights, data, supply codes, software, specifications, know how, processes and business strategies (in all cases whether or not registered or unregistered and as well as all rights to use for registration) in and about this website (including data, content, material or information displayed on it) are owned by or our licensors and such rights are reserved.

iii. Except as mentioned elsewhere in these Terms of Use, none of the property rights that belong to us or our licensors in and about this website (including data, content, material or information displayed on it) can be used, copied, modified, published, transmitted, sold, excerpted, reverse designed, reproduced, reformatted or distributed by you without our previous written permission.

iv. All rights in Fincheck.co.za are owned by us.

v. You shall retain possession of any feedback, content or material you submit on this website ("User Content"). You grant us a perpetual, irrevocable, transferable, worldwide, royalty free and unlimited license to use, alter, store, share, sell, publish and transmit such User Content in any manner and for any purpose.

vi. Upon submission of personal information in order to receive marketing emails, we will send you email offers, content, and news, related to the content of our website and off-site channels like Facebook, Instagram, You Tube and blog content.

Exclusions of liability

i. We take all efforts to ensure that the information, material and knowledge on the website are correct and to rectify any errors or omissions as soon as practicable when being notified of them. However, we are not accountable if the information, material and knowledge from a third party, on the website is inaccurate or if there are any errors or omissions within the data, material and information.

ii. We do not endorse any material information and data submitted or provided by third parties that is presented on the website and you must bear in mind that such information could also be inaccurate, incomplete or out of date. We will not be held liable for any knowledge, material or data on the website that has been provided by third parties.

iii. We do not provide any warranty that the website or any information on this Website or any third party website is free from viruses or anything which can have a harmful impact on any technology.

iv. We hold no responsibility for losses or damages arising from an inability to access the website and from any use of the website that is beyond our control.

v. We are not accountable or to blame for any indirect losses or damages suffered or incurred by you or those which were not predictable when you accessed or used this website. This includes any loss of savings you expect to make, loss of business or business opportunity, loss of profit or revenue or for any loss or damage you may suffer or incur in connection with your use of this Website which was not foreseeable by us when you used this Website.

vi. A number of our channels can offer you with access to third party websites who can host reviews concerning a number of the products and services. In some instances you will even be able to access user reviews directly on the website. The views expressed in third party websites do not represent our views and we will not be accountable for the accuracy or content of any such views or expressions.

Exclusion of our liability

i. You will be able to apply for a variety of products and services via this website. The products and services are provided by third parties. You are solely responsible for your choice of product or service. We are not accountable or to blame for any loss or harm you will suffer or incur as a result of any product or service you get when using this website or for any acts, omissions, errors or defaults of any third party in reference to that product or service.

ii. Please bear in mind that the data and descriptions of products and services on this website might not represent the entire descriptions of all the options and terms and conditions of these products and services. You need to make sure that you carefully look at all the options and terms and conditions of any product or service before applying for it.

iii. If you apply for and acquire any product or service, you will be in contact with a third party who is providing that product or service to you on their own terms and conditions. It is solely your responsibility to make sure that you agree to those terms and conditions before entering a contract to get that product or service. We are not accountable or to blame for any loss or harm you will suffer or incur as a result of the terms and conditions applying to any contract entered into by you with any third party in respect to any product or service or for any acts, omissions, errors or defaults of any third party in reference to those terms and conditions.

iv. We offer links from this website and from emails sent to you as a part of our service to third parties. Due to this, we tend to mention websites that are operated by third parties that we do not manage. You access and use these third party websites at your risk and your sole discretion. You are entirely liable for any use of those third party websites and for any call to get or refrain from getting any of the products or services on such third party websites. Any links to third party websites are provided for your interest and convenience. We are not accountable for any loss or harm you will suffer or incur as a result of use of any third party websites or for any acts, omissions, errors or defaults of any third party mentioned on this website.

v. Your use of any third party website is regulated by the terms and conditions and privacy policy of that website. Such terms and conditions and privacy policy might totally differ from these Terms of Use and our Privacy Policy. It is your responsibility to go through the terms and conditions and privacy policy of relevant third party websites before using that website. We are not responsible or to blame for any loss or harm you will suffer or incur due to the terms and conditions or the privacy policy of any third party website or for any acts, omissions, errors or defaults of any third party as a result of their terms and conditions and/or privacy policy.

Complaints Procedure

i. Fincheck.co.za is not a lender, telecommunications company or bank. We provide services through our business partners who are registered financial or contract providers in South Africa.

ii. We aim to provide all our customers with a high level of service and satisfaction but if you wish to complain about any aspect of our services with you please contact us on 087 057 1412, alternatively 010 594 0295.

iii. For the purposes of handling complaints our working day is 8am to 5pm Monday to Friday, excluding Public Holidays.

iv. Please take note that if your complaint is regarding a product or service that you have purchased via this website, then you should complain directly to the relevant product or service provider responsible for supplying the product or service about which you wish to complain. We cannot answer complaints on behalf of a product or service provider or accept responsibility for any such complaints. We recommend that you visit the website of the product or service provider and follow their complaints procedure if you wish to make a complaint against them.

v. We are not accountable or to blame for any indirect losses or damages suffered or incurred by you or those which were not predictable when you accessed or used this website. This includes any loss of savings you expect to make, loss of business or business opportunity, loss of profit or revenue or for any loss or damage you may suffer or incur in connection with your use of this Website which was not foreseeable by us when you used this Website.

vi. A number of our channels can offer you with access to third party websites who can host reviews concerning a number of the products and services. In some instances you will even be able to access user reviews directly on the website. The views expressed in third party websites do not represent our views and we will not be accountable for the accuracy or content of any such views or expressions.

Your responsibilities

i. You have to take all necessary precautions to make sure that any data, content, material or information you offer (including User Content as delineated) are free from viruses, spyware, malicious software and anything which can have a contaminating, harmful or damaging impact on any a part of this website or the websites of third parties or the other technology.

ii. You may complete a registration as a part of your use of this website. Your username and password should be kept confidential by you and not be disclosed to, or shared with anyone. If you choose to share these details with anyone, you are entirely liable for all activities undertaken on this website using your username and password.

iii. You are entirely accountable for your conduct on this website and for your User Content. You need to guarantee that your User Content does not violate any privacy rights, holding rights (such as copyright, information rights and trade marks) or alternative rights of any third party (including any right of confidentiality).

Furthermore, your User Content should not violate any law. It should not be harmful, fraudulent, threatening, defamatory, embarrassing, distressing, infringing, abusive, inflammatory, daunting, harassing, libellous, stalking, profane, obscene, indecent, inappropriate, hateful, discriminatory or racially, ethnically, sexually or otherwise objectionable.

iv. You agree that you will be held responsible for any harm, loss, claim, demand, liability or expense (including cheap legal fees) that we suffer as a result of your conduct on this website and/or your User Content.

Detailed description of goods and/or services

Finch Technologies is a business in the lead aggregation industry that creates sales for banks lenders and insurers.

Customer privacy policy

Finch Technologies shall take all reasonable steps to protect the personal information of users. For the purpose of this clause, "personal information" shall be defined as detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA).

Payment options accepted

Payment may be made via Visa and MasterCard.

Card acquiring and security

Card transactions will be acquired for Finch Technologies via PayGate (Pty) Ltd who are the approved payment gateway for all South African.

Acquiring Banks

PayGate uses the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no Card details are stored on the website. Users may go to www.paygate.co.za to view their security certificate and security policy.

Customer details separate from card details

Customer details will be stored by Finch Technologies separately from card details which are entered by the client on PayGate’s secure site. For more detail on PayGate refer to www.paygate.co.za.

Merchant outlet country and transaction currency

The merchant outlet country at the time of presenting payment options to the cardholder is South Africa. Transaction currency is South African Rand (ZAR).

Responsibility

Finch Technologies takes responsibility for all aspects relating to the transaction including sale of goods and services sold on this website, customer service and support, dispute resolution and delivery of goods.

Country of domicile

This website is governed by the laws of South Africa and Finch Technologies chooses as its domicilium citandi et executandi for all purposes under this agreement, whether in respect of court process, notice, or other documents or communication of whatsoever nature.

Variation

Finch Technologies may, in its sole discretion, change this agreement or any part thereof at any time without notice.

Company information

This website is run by Finch Technologies PTY LTD based in South Africa trading as Fincheck and with registration number 2015/2266655/07

Contact Details

Company Physical Address: Roeland Square, Gardens, Cape Town, 8001

Email: michael.b@fincheck.co.za