Website Terms of Use | Cover4Profs

Last updated: 13/12/2023

Please read these Terms of Use (“Terms”, “Terms of Use”) carefully before using the https://cover4profs.co.za website (the “Service”) operated by CFP Brokers (Pty) Ltd (“us”, “we”, or “our”).

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms.

These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Disclaimer

Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

Accounts

When you create an account with us, you must provide us with information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service.

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

Links To Other Web Sites

Our Service may contain links to third-party websites or services that are not owned or controlled by CFP Brokers (Pty) Ltd.

CFP Brokers (Pty) Ltd has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that CFP Brokers (Pty) Ltd shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

Terms of Use of the cover4profs.co.za Website and it’s contents

This section should be read in conjunction with our privacy policy which contains additional information relating to privacy, security, and copyright. There are several sites within the CFP Brokers (Pty) Ltd stable and the terms and conditions contained herein are applicable to all of them as may be relevant at the time.

The cover4profs.co.za Web Sites (the “Site”) is an online information service provided by CFP Brokers (Pty) Ltd. (“CFP”), subject to your compliance with the terms and conditions set forth below.

PLEASE READ THIS DOCUMENT CAREFULLY BEFORE ACCESSING OR USING THE SITE. BY ACCESSING OR USING THE SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, YOU MAY NOT ACCESS OR USE THE SITE. CFP Brokers (Pty) Ltd MAY MODIFY THIS AGREEMENT AT ANY TIME, AND SUCH MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING OF THE MODIFIED AGREEMENT ON THE SITE. YOU AGREE TO REVIEW THE AGREEMENT PERIODICALLY TO BE AWARE OF SUCH MODIFICATIONS AND YOUR CONTINUED ACCESS OR USE OF THE SITE SHALL BE DEEMED YOUR CONCLUSIVE ACCEPTANCE OF THE MODIFIED AGREEMENT.

1. Copyright, Trademarks, Licenses, and Idea Submissions.

The entire contents of the Site are protected by international copyright and trademark laws. The owner of the copyrights and trademarks are CFP Brokers (Pty) Ltd, its affiliates, or other third-party licensors. YOU MAY NOT MODIFY, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST, TRANSMIT, OR DISTRIBUTE, IN ANY MANNER, THE MATERIAL ON THE SITE, INCLUDING TEXT, GRAPHICS, CODE, AND/OR SOFTWARE. You may print and download portions of material from the different areas of the Site solely for your own non-commercial use provided that you agree not to change or delete any copyright or proprietary notices from the materials. You agree to grant to CFP Brokers (Pty) Ltd a non-exclusive, royalty-free, worldwide, perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products and services) you submit to any public areas of the Site (such as bulletin boards, forums and newsgroups) or by e-mail to CFP Brokers (Pty) Ltd by all means and in any media now known or hereafter developed. You also grant to CFP Brokers (Pty) Ltd the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing, and promotional material related thereto. You agree that you shall have no recourse against CFP Brokers cc for any alleged or actual infringement or misappropriation of any proprietary right in your communications to CFP Brokers (Pty) Ltd.

Publications, products, content, or services referenced herein or on the Site are the exclusive trademarks or servicemarks of CFP Brokers cc. Other product and company names mentioned on the Site may be the trademarks of their respective owners.

Intellectual Property: The Service and its original content, features, and functionality are and will remain the exclusive property of CFP Brokers (Pty) Ltd and its licensors.

1.1 Copyright and All Rights Reserved

No part of this website may be reproduced or transmitted for resale or use by any party. All reproduction or transmission, in any form or by any means, electronic or mechanical, including photocopying, recording, or by any informational storage or retrieval system, is prohibited without the express written permission from the Editors and publisher.

1.2 Accreditation of Visual Content throughout this website

The images used on the cover4prof.co.za website from Pixabay, Freepik, Pexels, Unsplash and other such photo or article libraries are accredited as per the terms and conditions of each respective platform. Proper accreditation and compliance with the usage guidelines of these platforms have been ensured to maintain the copyright integrity of the images. In the event that any copyright violations are identified, please immediately notify us to remove the images in question to adhere to copyright regulations and maintain the ethical use of visual content.

2. Use of the Site

You understand that, except for information, products, or services clearly identified as being supplied by CFP Brokers (Pty) Ltd, CFP Brokers (Pty) Ltd does not operate, control, or endorse any information, products, or services on the Internet in any way. Except for CFP Brokers (Pty) Ltd – identified information, products, or services, all information, products, and services offered through the Site or on the Internet generally are offered by third parties, that are not affiliated with CFP Brokers (Pty) Ltd. You also understand that CFP Brokers (Pty) Ltd cannot and does not guarantee or warrant that files available for downloading through the Site will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.

YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND THE INTERNET. CFP Brokers (Pty) Ltd PROVIDES THE SITE AND RELATED INFORMATION “AS IS” AND DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR NONINFRINGEMENT, OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SERVICE, ANY MERCHANDISE INFORMATION OR SERVICE PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY, AND CFP Brokers (Pty) Ltd SHALL NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH TRANSACTION. IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND OTHER INFORMATION PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY. CFP Brokers (Pty) Ltd DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS IN THE SERVICE WILL BE CORRECTED.

YOU UNDERSTAND FURTHER THAT THE PURE NATURE OF THE INTERNET CONTAINS UNEDITED MATERIALS SOME OF WHICH ARE SEXUALLY EXPLICIT OR MAY BE OFFENSIVE TO YOU. YOUR ACCESS TO SUCH MATERIALS IS AT YOUR RISK. CFP Brokers (Pty) Ltd HAS NO CONTROL OVER AND ACCEPTS NO RESPONSIBILITY WHATSOEVER FOR SUCH MATERIALS.

Limitation of Liability

IN NO EVENT WILL CFP Brokers (Pty) Ltd BE LIABLE FOR (I) ANY INCIDENTAL, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICE, OR ANY INFORMATION, OR TRANSACTIONS PROVIDED ON THE SERVICE, OR DOWNLOADED FROM THE SERVICE, OR ANY DELAY OF SUCH INFORMATION OR SERVICE. EVEN IF CFP Brokers (Pty) Ltd OR ITS AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE AND/OR MATERIALS OR INFORMATION DOWNLOADED THROUGH THE SERVICE. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, CFP Brokers (Pty) Ltd LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

CFP Brokers (Pty) Ltd makes no representations whatsoever about any other website which you may access through this one or which may link to this Site. When you access a non-CFP Brokers (Pty) Ltd website, please understand that it is independent of CFP Brokers (Pty) Ltd and that CFP Brokers (Pty) Ltd has no control over the content on that website. In addition, a link to a CFP Brokers (Pty) Ltd website does not mean that CFP Brokers (Pty) Ltd endorses or accepts any responsibility for the content, or the use, of such website.

3. Indemnification

You agree to indemnify, defend and hold harmless CFP Brokers (Pty) Ltd, its officers, directors, employees, agents, licensors, suppliers, and any third-party information providers to the Service from and against all losses, expenses, damages, and costs, including reasonable attorneys’ fees, resulting from any violation of this Agreement (including negligent or wrongful conduct) by you or any other person accessing the Service.

4. Third-Party Rights

The provisions of paragraphs 2 (Use of the Service), and 3 (Indemnification) are for the benefit of CFP Brokers (Pty) Ltd and its officers, directors, employees, agents, licensors, suppliers, and any third-party information providers to the Service. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

5. Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service.

6. Governing Law

These Terms shall be governed and construed in accordance with the laws of South Africa without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

You agree that any legal action or proceeding between CFP Brokers (Pty) Ltd and you for any purpose concerning this Agreement or the parties’ obligations hereunder shall be brought exclusively in a court of competent jurisdiction sitting in South Africa. Any cause of action or claim you may have with respect to the Service must be commenced within one (1) year after the claim or cause of action arises or such claim or cause of action is barred. CFP Brokers (Pty) Ltd‘s failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement. CFP Brokers (Pty) Ltd may assign its rights and duties under this Agreement to any party at any time without notice to you.

7. Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 15 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

8. Privacy Policy

Please review our Privacy Policy, for additional information and can be viewed here. The Privacy Policy describes how we collect and handle any information gathered from users of the Service.

9. Cookies Policy

Please review our Cookies Policy, for additional information and can be viewed here. The Cookies Policy describes how we collect and handle any Cookie information gathered from users of the Service.

Website Owners / Contact information

CFP Brokers (Pty) Ltd
242 Bryanston Drive
Bryanston
Sandton 2191
Gauteng, South Africa

Management : Ms Lauren Anderson

Phone: +27 011 794 6848

Email: info@cover4profs.co.za

If you have any questions about these Terms, please contact us.