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Terms and Conditions

Overview

These terms of use govern your use of our website; by using our website, you agree to these terms of use in full. If you disagree with these terms of use or any part of these terms of use, you must not use our website.

You must be at least 18 years of age to use our website. By using our website and by agreeing to these terms of use, you warrant and represent that you are at least 18 years of age.

Our website uses cookies. By using our website and agreeing to these terms of use, you consent to our use of cookies in accordance with the terms of our privacy policy / cookies policy.

Licence to use website

Unless otherwise stated, we (See “Our details” below) or our licensors own the intellectual property rights in the website and material on the website. Subject to the licence below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms of use.

All of the content on this website is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives (CC BY-NC-ND) licence.

See the “Creative Commons Attribution Licence” tab below for more information.

Affiliation

This website is not affiliated with the Community Schemes Ombud Service.

Acceptable use

You must not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including, without limitation, scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent.

You must not use our website to transmit or send unsolicited commercial communications.

You must not use our website for any purposes related to marketing without our express written consent.

No warranties

We do not warrant the completeness or accuracy of the information published on this website; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to this website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

Limitations and exclusions of liability

No content on this side constitutes legal advice, nor will use of this site give rise to any professional or other relationship with its owners or authors.

You use this site at your own risk and, more particularly:

  • We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.
  • We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
  • We will not be liable to you in respect of any loss or corruption of any data, database or software. We will not be liable to you in respect of any special, indirect or consequential loss or damage.

Indemnity

You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including, without limitation, legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms of use, or arising out of any claim that you have breached any provision of these terms of use.

Breaches of these terms of use

Without prejudice to our other rights under these terms of use, if you breach these terms of use in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

Variation

We may revise these terms of use from time to time. Revised terms of use will apply to the use of our website from the date of publication of the revised terms of use on our website.

Assignment

We may transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms of use without notifying you or obtaining your consent.

You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms of use.

Severability

If a provision of these terms of use is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

Exclusion of third party rights

These terms of use are for the benefit of you and us, and are not intended to benefit any third party or be enforceable by any third party. The exercise of our and your rights in relation to these terms of use is not subject to the consent of any third party.

Entire agreement

These terms of use, together with our privacy policy, constitute the entire agreement between you and us in relation to your use of our website and supersede all previous agreements in respect of your use of our website.

Law and jurisdiction

These terms of use will be governed by and construed in accordance with South African law, and any disputes relating to these terms of use will be subject to the non-exclusive jurisdiction of the courts of South Africa.

Registrations and authorisations

We are registered with CIPRO. You can find the online version of the register at www.cipro.gov.za. Our registration number is 2000/020380/23.

Our details

The full name of our close corporation is Paddocks Publishing CC, trading as Paddocks. We are registered in South Africa under registration number 2000/020380/23.

Our registered address is 10 Park Road, Rondebosch, 7700, Cape Town.

You can contact us by email to info@paddocks.co.za

Overview

We are committed to safeguarding the privacy of our website visitors; this policy sets out how we will treat your personal information.

Our website uses cookies. We will ask you to consent to our use of cookies in accordance with the terms of this policy when you first visit our website. By using our website and agreeing to this policy, you consent to our use of cookies in accordance with the terms of this policy.

What information do we collect?

We may collect, store and use the following kinds of personal information:

  • information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views, website navigation);
  • information relating to any transactions carried out between you and us on or in relation to this website;
  • information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters;
  • any other information that you choose to send to us;

Before you disclose to us the personal information of another person, you must obtain that person’s consent to both the disclosure and the processing of that personal information in accordance with the terms of this privacy policy.

Cookies

A COOKIE IS A FILE CONTAINING AN IDENTIFIER (A STRING OF LETTERS AND NUMBERS) THAT IS SENT BY A WEB SERVER TO A WEB BROWSER AND IS STORED BY THE BROWSER. THE IDENTIFIER IS THEN SENT BACK TO THE SERVER EACH TIME THE BROWSER REQUESTS A PAGE FROM THE SERVER. THIS ENABLES THE WEB SERVER TO IDENTIFY AND TRACK THE WEB BROWSER.

We may use both “session” cookies and “persistent” cookies on the website. Session cookies will be deleted from your computer when you close your browser. Persistent cookies will remain stored on your computer until deleted, or until they reach a specified expiry date.

We will use the session cookies to: keep track of you whilst you navigate the website;  prevent fraud and increase website security. We will use the persistent cookies to: enable our website to recognise you when you visit; keep track of your preferences in relation to your use of our website.

WE USE GOOGLE ANALYTICS TO ANALYSE THE USE OF THIS WEBSITE. GOOGLE ANALYTICS GENERATES STATISTICAL AND OTHER INFORMATION ABOUT WEBSITE USE BY MEANS OF COOKIES, WHICH ARE STORED ON USERS’ COMPUTERS. THE INFORMATION GENERATED RELATING TO OUR WEBSITE IS USED TO CREATE REPORTS ABOUT THE USE OF THE WEBSITE. GOOGLE WILL STORE THIS INFORMATION. GOOGLE’S PRIVACY POLICY IS AVAILABLE AT: HTTP://WWW.GOOGLE.COM/PRIVACYPOLICY.HTML.

OUR ADVERTISERS/PAYMENT SERVICES PROVIDERS MAY ALSO SEND YOU COOKIES.

We publish Google adsense interest-based advertisements on our website. These are tailored by Google to reflect your interests. To determine your interests, Google will track your behaviour on our website and on other websites across the web using the DART cookie. You can view, delete or add interest categories associated with your browser using Google’s Ads Preference Manager, available at: http://www.google.com/ads/preferences/. You can opt out of the adsense partner network cookie at: http://www.google.com/privacy/ads/ or by using the NAI’s (Network Advertising Initiative’s) multi-cookieopt-outmechanismat:http://www.networkadvertising.org/ managing/opt_out. Asp. However, these opt-out mechanisms use cookies, and if you clear the cookies from your browser your opt-out will not be maintained. To ensure that an opt-out is maintained in respect of a particular browser, you should use the Google browser plug-in available at: http://www.google.com/ads/preferences/plugin.

MOST BROWSERS ALLOW YOU TO REJECT ALL COOKIES, WHILST SOME BROWSERS ALLOW YOU TO REJECT JUST THIRD PARTY COOKIES. FOR EXAMPLE, IN INTERNET EXPLORER (VERSION 9) YOU CAN REFUSE ALL COOKIES BY CLICKING “TOOLS”, “INTERNET OPTIONS”, “PRIVACY”, AND SELECTING “BLOCK ALL COOKIES” USING THE SLIDING SELECTOR. BLOCKING ALL COOKIES WILL, HOWEVER, HAVE A NEGATIVE IMPACT UPON THE USABILITY OF MANY WEBSITES, INCLUDING THIS ONE.

Using your personal information

Personal information submitted to us via this website will be used for the purposes specified in this privacy policy or in relevant parts of the website.

We may use your personal information to:

  • administer the website;
  • improve your browsing experience by personalising the website;
  • enable your use of the services available on the website;
  • send you general (non-marketing) commercial communications;
  • send you email notifications which you have specifically requested;
  • send you our newsletter and other marketing communications relating to our business or the businesses of carefully-selected third parties which we think may be of interest to you, by post or, where you have specifically agreed to this, by email or similar technology and you can inform us at any time if you no longer require marketing communications);
  • provide third parties with statistical information about our users – but this information will not be used to identify any individual user;
  • deal with enquiries and complaints made by or about you relating to the website;
  • keep the website secure and prevent fraud;
  • verify compliance with the terms and conditions governing the use of the website (including monitoring private messages sent through our website private messaging service);

We will not, without your express consent, provide your personal information to any third parties for the purpose of direct marketing.

Disclosures

We may disclose your personal information to any of our employees, officers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this privacy policy.

We may disclose your personal information to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes set out in this privacy policy.

In addition, we may disclose your personal information:

  • to the extent that we are required to do so by law;
  • in connection with any ongoing or prospective legal proceedings;
  • in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);
  • to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling; and
  • to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.

Except as provided in this privacy policy, we will not provide your information to third parties.

International data transfers

Information that we collect may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this privacy policy.

Information which you provide may be transferred to countries which do not have data protection laws equivalent to those in force in the Republic of South Africa.

In addition, personal information that you submit for publication on the website will be published on the internet and may be available, via the internet, around the world. We cannot prevent the use or misuse of such information by others.

You expressly agree to such transfers of personal information.

Security of your personal information

We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.

We will store all the personal information you provide on our secure (password- and firewall-protected) servers. All electronic transactions entered into via the website will be protected by encryption technology.

You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

You are responsible for keeping your password [and other login details] confidential. We will not ask you for your password (except when you log in to the website).

Policy amendments

We may update this privacy policy from time to time by posting a new version on our website. You should check this page occasionally to ensure you are happy with any changes.

We may also notify you of changes to our privacy policy by email.

Your rights

You may instruct us to provide you with any personal information we hold about you. Provision of such information will be subject to:

  • the payment of a fee (currently fixed at R150.00); and
  • the supply of appropriate evidence of your identity (for this purpose, we will usually accept a photocopy of your barcoded identity document certified as a true copy by a south african notary or attorney plus an original copy of a utility bill showing your current address).

We may withhold such personal information to the extent permitted by law.

You may instruct us not to process your personal information for marketing purposes, by sending an email to us. In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt out of the use of your personal information for marketing purposes.

Third party websites

The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites.

Updating information

Please let us know if the personal information which we hold about you needs to be corrected or updated.

All of the content on this website is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives (CC BY-NC-ND) licence.

What does this mean?

This means that you can copy, share, distribute and republish this content for free, as long as you:

  • Do not change the article in any way
  • Do not use the article for commercial gain (e.g. in a paid-for publication)

When published in print:

  • Credit Paddocks, the sectional title and home owners’ association specialists
  • Credit the Paddocks CSOS Application Guide website (csosguide.paddocks.co.za)

When published online:

  • Credit Paddocks, the sectional title and home owners’ association specialists
  • Provide a direct link back to the article on the Paddocks blog page if you republish it online

You do not need to ask permission to use this copyrighted work for any purpose stated above, but please let us know when you do so.

This licence applies to content on this website, linked Paddocks Press articles, linked Paddocks tutorial videos, material on the Paddocks blog and Reference documents in the Library section of the Paddocks website (www.paddocks.co.za) only, and not to any other content on other Paddocks websites unless specifically mentioned there.

For more information on how this licence works, please visit the Creative Commons page.

For more details, please contact Paddocks:
Telephone: +27 (0)21 686 3950
Email: info@paddocks.co.za