Master Currency Terms of Use Agreement The use of the Master Currency web site ("this site") is subject to the terms and conditions of use as set out below. It is important that the user reads and understands the terms of use applicable to the Master Currency web site. Information on this site All information on this site is only intended to provide the user with general information about Master Currency, Master Currency products and Master Currency services. IMPORTANT NOTICE: The online products and online services available on this website (the "online services") are only available to persons that reside in, or are nationals of, or are incorporated under the laws, of the Republic of South Africa ("RSA") collectively referred to as "RSA" nationals. The user acknowledges that all calculations done through the use of software or calculators supplied on this site, including the rates quoted, are guidelines only and subject to final confirmation at the time of finalising the transaction. The user indemnifies Master Currency against any loss or liability, which the user may suffer as a result of the use of any calculator available on this site. All information regarding the product and services including information in respect of the terms and conditions, or any other matters, is subject to change without notice. The site and all information provided on this site and the services provided on this site, are provided "as is". The information provided on this site should not be treated as professional or investment advice of any kind. The user should consult with a professional advisor before relying on any information on this site. Services Online Master Currency's online services are subject to registration and approval, which Master Currency may accept or reject at its sole discretion. Third party Information Master Currency may use the services of other third party organisations to provide information on this site. Master Currency has no control over the third party information and makes no representations or warranties of any nature as to its accuracy, appropriateness or correctness. Master Currency will not be directly or indirectly liable for any damages that may arise from the user's reliance on it. All quotes, news, market information or data shown on this site by way of live information feeds are delayed by at least 30 minutes unless otherwise stated. The user should always select the "refresh" or similar page update function on your Internet browser to ensure that the information you are viewing is the most current. Amendments to these conditions Master Currency may amend these conditions from time to time without notification to the user. By accessing this site the users are bound to the version of the terms and conditions published at the time of any visit to this site. The user agrees to view the current version each time that this site is visited. The current version of these conditions will govern the respective rights and obligations of Master Currency and the user each time the user access this site. Linked third party sites Linked third party sites This site may contain certain images and links to other third party websites ("linked sites") with information and material produced by other parties. The linked sites are not under the control of Master Currency and Master Currency is not responsible for the content of any linked site, including without limitation any linked contained in a linked site, or any changes or updates to a linked site. Master Currency is not responsible for webcasting or any other form of transmission from linked sites nor is Master Currency responsible if the linked site is not working appropriately. Master Currency is providing these links to you only as a convenience, and the inclusion of any links does not imply endorsement by Master Currency of the site, their business or security practices or any association with its operators. Hyperlinks, deep linking, crawlers and metatags If any third party wants to establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise (collectively referred to as linking), to this site, Master Currency's prior written consent is required. An application for linking must be submitted to shamiel.dollie@master currency.co.za Master Currency's consent may be withheld or granted, subject to conditions specified by Master Currency. Breach of these conditions entitles Master Currency to take legal action without prior notice to the user and the user agrees to reimburse the costs associated with such legal action to Master Currency on an attorney and own client scale. Intellectual Property Rights This site contains copyright and other intellectual property including logos and other graphics and multimedia works belonging to Master Currency. The user is authorised to view and download one copy to a local hard drive or disk, print and make copies of such printouts, provided that: The material is used for considering use of the online services and for no other commercial purposes. Any reproduction of our proprietary material from this site or portion of it, must include Master Currency's copyright notice in its entirety. The logos and trademarks shown on this site are Master Currency's registered and unregistered trademarks, or that of third parties. Nothing on this site should be construed as granting any licence or right to use any trademark without Master Currency's prior written permission and/or that of third parties, as the case may be. The user may not, without Master Currency's prior written consent, use Master Currency's intellectual property or that of third parties for any purposes whatsoever. Sending of information Information transmitted through an unsecured link over the Internet, including e-mail, is subject to potential unlawful access or monitoring. The user accepts that Master Currency cannot be held liable for any loss, or damage suffered by the user as a result of unlawful activities by unscrupulous persons, as Master Currency can not prevent such behaviour. Master Currency may request independent verification of any information transmitted by the user through the site or e-mail from time to time, to limit these risks. Warranties and representations All the information appearing on this site is provided without a representation or warranty whatsoever, whether expressed or implied, and Master Currency disclaims any liable to the user in this regard Master Currency makes no representations or warranties regarding the accuracy, functionality, fitness for purpose or non-infringement in connection with this site and disclaims all liability in this regard Master Currency does not warrant that the site or online services will be error-free. Disclaimer and limitation of liability Use of this site and the online services is entirely at the user's own risk. The user assumes full responsibility for the risk or loss resulting from the use of this site and the user's reliance on information contained on it. In no event will Master Currency be liable for any damages, whether direct, indirect, special, incidental, or consequential whatsoever relating to the user's use of this site or the online services or the information contained on this site or the user's inability to use this site or the online services, whether such damages arose out of contract, or delict or otherwise and regardless of whether Master Currency was expressly advised of the possibility of such loss or damage. Without derogating from the generality of the above, and to the extent legally permitted, Master Currency will not be liable for: Any interruption, malfunction, downtime, off-line situation or other failure of the site or online services, Master Currency's system, databases or any of its components, beyond Master Currency's reasonable control; Any loss or damage with regard to the users data or other data directly or indirectly caused by malfunction of Master Currency's system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on Master Currency's system or third party systems; programming defects; Any interruption, malfunction, downtime or other failure of goods or services provided by third parties, including, without limitation, third party systems such as the public switched telecommunication service providers; internet service providers, electricity suppliers, local authorities and certification authorities; or any event over which Master Currency has no direct control. Capacity to enter into agreements The user hereby warrants to Master Currency that the user has the required legal capacity to enter into and be bound by these terms and conditions. Minors must be assisted by their legal guardians when reading these terms and conditions. User's Liability to Master Currency The user shall be liable to Master Currency for any liabilities, losses or expenses incurred by Master Currency as a result of any breach by the user of these terms and conditions. Termination, suspension and limitation Master Currency may: Set limits or conditions on the right to certain services, features or functions on this site. Restrict access to parts of or all of the services on the site; and Modify, suspend or discontinue this site, whether temporarily or permanently, without notice. Master Currency's Address Master Currency’s Head Office address is: Suite 1816 18th Floor Absa Centre 2 Riebeek Street Cape Town 8001 South Africa Contact Number +27 (21) 431 7700 Customer Communications The user acknowledges that Master Currency will use e-mail and notices on this site, as Master Currency's main communication tool for all communications relating to this site, or these terms and condition. An e-mail message will be deemed to be sent: by the user, at the time at which Master Currency is capable of accessing such message; by Master Currency, at the time shown on the message as having been sent, or if not so shown, at the time shown on Master Currency's computer system as having been sent. An e-mail message is deemed to be received: by the Subscriber once it becomes capable of being retrieved by the user; by Master Currency , once Master Currency has confirmed receipt thereof to the user, or responded thereto, whichever is the earlier. Confirmation of receipt of the user’s message is required to give legal effect to such message A message shall be attributed: to the user, if it purports to have originated from the user, irrespective of the fact that someone else may have impersonated the user or whether the message sent to Master Currency resulted from an error or malfunction in the communication system; to Master Currency, if it has been sent by a duly authorised representative and such representative acted within the scope of such authority or by an automated system programmed by Master Currency and such system operated without error or malfunction. Certificate A certificate signed by Master Currency will constitute sufficient proof of the operation or functionality of the online services or any part thereof and the contents of any information displayed on the site on a given date, and will be regarded as correct unless the user proves the contrary. Applicable law and jurisdiction The terms and conditions pertaining to any products or services appearing on this site or pages shall be governed and interpreted in accordance with the laws of the Republic of South Africa and application for any of the products or services offered on this site or pages will constitute the users consent and submission to the jurisdiction of the South African courts regarding all proceedings, transactions, applications or the like instituted by either party against the other, arising from any of the terms and conditions pertaining to this site or such products or services. General provisions The headings of the clauses in these terms and conditions is provided for convenience and ease of reference only and will not be used to interpret, modify or amplify the terms of the conditions. Where any dates or times need to be calculated in terms of the conditions, the international standard time: GMT plus two hours shall be used. No failure or delay by Master Currency to exercise any of Master Currency rights will be construed as a waiver of any such right, whether this is done expressly or implied, nor will it affect the validity of any part these terms and conditions or prejudice our right to take subsequent action against the user. If any of these terms and conditions are held to be invalid, unlawful or unenforceable, the term or condition will be deleted from the remaining terms and conditions which will continue to be valid to the full extent permitted by law. Corporate Information Master Currency (Pty) Ltd, Reg No 1970/013423/07 Directors: *ZL Combi (Non Excutive Chairman) *AH Jacobson (CEO) *CD Lamb (MD) *AC Salomon *DE Cleasby *P Nyman