Instant Emergency CASH for Subscribers

MoneySmart provides FREE Emergency CASH and a High-Value Bonus Reward to loyal subscribers of our Life Coaching & Money Literacy Services.

No Repayment – 0% ARP – Zero Cost Cash

HOW IT WORKS

MoneySmart provides Life Coaching & Money Literacy Services on Subscription with FREE Emergency Cash and High-Value Loyalty Bonus Rewards to long term subscribers.

WHAT ARE MY MoneySmart BENEFITS?

1. FREE Emergency CASH Facility

Quick and Instant Emergency CASH when you need it MOST! With MoneySmart you can access cash in time of need, through our FREE Emergency Cash Facility.

As a loyal annual MoneySmart Life Coaching & Money Literacy subscriber, you may enjoy our COMPLETELY FREE Emergency CASH Facility in times of need.

You may access your free emergency cash facility through this website, and we shall process transfer of your requested amount to your bank account expediently, usually within 48 Hours. (Dependant on information accuracy, banking restrictions and holidays.)

To qualify for your FREE Emergency Cash Facility, you are required to be up to date with your monthly subscription fee payments in respect of your chosen annual MoneySmart service subscription option.

Your FREE Emergency CASH requests are limited by your chosen product option as follows.

Overall Annual Limits: Gold: $5,000, Silver: $2,500 & Bronze: $1,000

Gold: Month 1: $750 / Month 2: $1,500 / Month 3: $2,500 / Month 4: $3,000 / Month 5: $4,000 / Month 6+: $5,000

Silver: Month 1: $375 / Month 2: $750 / Month 3: $1,000 / Month 4: $1,500 / Month 5: $2,000 / Month 6+: $2,500

Bronze: Month 1: $150 / Month 2: $300 / Month 3: $450 / Month 4: $600 / Month 5: $750 / Month 6+: $1,000

Your FREE Emergency CASH Rewards is a subscription loyalty reward, and thus not repayable and is COMPLETELY FREE of any interest or other charges and utilisation of this facility does not impact the normal subscription cost of your MoneySmart Life Coaching & Money Literacy subscription.

You can request your first FREE Emergency CASH pay-out immediately after paying your annual registration admin fee and 1st monthly subscription, without having to wait!

2. High-Value Bonus Reward

MoneySmart wants to enhance your financial prosperity. We offer an exceptional High-Value Bonus Reward to loyal subscribers of our service. By subscribing to one of our 3 Annual Service Subscription Plans (Gold, Silver, or Bronze) for a five-year term, you can enjoy an exceptional cashback reward through our High-Value Bonus Reward program.

We aim to reward regular paying long-term subscribers of our Life Coaching & Money Literacy Services through our High-Value Bonus Reward that keeps on growing the longer you subscribe to our services. Your High-Value Bonus Reward calculation is based on your total service fees paid, the amount that you requested through your FREE Emergency Cash Service over time and other admin fees paid by you.

You may request your High-Value Bonus Reward at the end of your 5-year subscription term.

You may track the value of your Bonus Reward at any time through the Login function on this website.

3. Life Coaching & Money Literacy Service

Upwardly mobile consumers often have the need for personal growth and evolution.

To help you grow into your full financial potential, our Online Life Coaching & Money Literacy Services forms the core of our MoneySmart service offering.

To help you grow into your full potential, we offer our LifeGuru Personal Coaching Service, via scheduled online chat sessions of 30 minutes, to assist you with Goal Fulfilment, Improving Relationships and Personal Development.

To help you grow into your full potential, we offer our Life Coaching & Money Literacy Program, via scheduled online coaching sessions of 1 hour, to assist you with Personal Goal Fulfilment, Improving Relationships, Personal Development, Reaching Financial Goals, Financial Literacy, Cultivating a Healthy Money-Mindset, Money Management Skills, Expense Prioritisation, Savings Building Strategy, Cashflow Budgeting, how to create an execution plan for reaching your goals, Get-Out-Of-Debt Strategy. We do not offer coaching pertaining to any financial products or services, and we cannot give you investment advice.

To qualify for this benefit, you are required to be up to date with all your subscription fee payments.

Monthly coaching session limits are determined by your chosen product option: Bronze: 2; Silver: 4; Gold:8

You may book your online coaching sessions by emailing us, at least 36 hours in advance.

PLEASE NOTE:
You are liable for an annual administration fee equivalent to one month’s subscription. (Bronze: $99, Silver: $249, Gold: $499)

All your benefits are included as part of your annual subscription, which is payable monthly and will be deducted as close as possible to your payday. (Bronze: $99, Silver: $249, Gold: $499)

We will charge a once-off $1.00 card verification fee upon registration of your payment card.

During the first 30 days after signing up for this service, you may cancel immediately for a full refund of all monthly fees paid. Should you wish to cancel later than 30 days after signing up, you must give us at least one calendar month’s written notice and you will be liable for all administrative fees to date.

We reserve the right to amend any of our Subscription Terms at any time, and such changes will be reflected in the content of this website.

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FAQs

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Contact Us

Customer Support

Chat to us online, or contact us as follows:

eMail

  Info@AUMoneySmart.com

Corporate Office

  +65 3165 8160

  Monday – Friday, 09:00 – 17:00

Office Address

Disclaimer

We have taken care to ensure that the content on this website is accurate. This website and the services accessible on or via this website are provided "as is" and your use of and reliance on the information on this website and the online services is entirely at your own risk.

We do not represent or warrant that the website, any tools, content or online services will be error-free or will meet any particular criteria of accuracy, completeness, reliability, performance or quality. You assume full responsibility for the risk or loss resulting from the use of this site and your reliance on information contained in it. We reserve the right, in our sole discretion, to correct any errors or omissions in any portion of this website.

Information, ideas and opinions expressed on this website should not be regarded as professional advice or our official opinion.

To the fullest extent permissible by law, we expressly disclaim all (express and implied) warranties, including, without limitation, warranties of merchantability, title, and fitness for a particular purpose, non-infringement, compatibility, security and accuracy in respect of this website and the services accessible on this website. While we take reasonable precautions to prevent this, we do not warrant that the website is free of viruses or destructive code.

Without derogating from the generality of the above, and to the extent legally permitted, we will not be liable for:

1. any interruption, malfunction, downtime, off-line situation or other failure of the site or online services, our system, databases or any of its components, beyond our reasonable control;

2. any loss or damage with regard to your data or other data directly or indirectly caused by malfunction of our system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on our system or third party systems; programming defects; and

3. 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 telecommunications service providers; Internet service providers, electricity suppliers, local authorities and certification authorities; or any event over which we have no direct control.

We and our officers, directors, servants, affiliates, shareholders, agents, consultants or employees (in whose favour this constitutes a stipulation for the benefit of another) shall not be liable for and you hereby indemnify us and our officers, directors, servants, affiliates, shareholders, agents, consultants or employees (in whose favour this constitutes a stipulation for the benefit of another) against any direct, indirect, special, incidental, consequential or punitive damages or loss of any kind whatsoever or howsoever caused (whether arising under contract, delict or otherwise and whether the loss was actually foreseen or reasonably foreseeable) arising out of your use of this website or the online services or the information contained on this website or your inability to use this website or the online services.

Our Privacy Policy

This is the privacy policy of this website and the legal entity, as listed in the footer of this website, rendering this website and associated products and / or services, herein after referred to as The Company.

Interpretations

"we"; and "us"; and "our" refer to The Company.

The terms “you” “yourself” and “your”, refer to you, being that person who reads and accepts this Privacy Policy.

"Agreements" means our various policies and agreements, including but not limited to, Terms and Conditions, Privacy Policy, Refund and Return Policy and Services Agreement.

"Card Associations" means individually or collectively China UnionPay, MasterCard, VISA and such other card associations, payment card scheme and/or organisation which runs a payment programme.

"Card Association Rules" means the rules, regulations and policies of the Card Associations as they currently apply or as same may be amended, modified or replaced from time to time.

"CVV2" means a number found on the back of a credit card, which means card verification value 2 and may sometime be referred to as CVC2 which stands for card validation code 2 or CID which means card identification number. For American Express, the code is a four-digit number on the front of the card above the account number.

"Financial Information" means financial information relating to your personal finances which may include information concerning credit cards, bank accounts and related information.

"Personal Data" means information relating to the Data Subject which includes personally identifiable information.

"Process/ Processing" means an operation or set of operations performed on personal data or sets of personal data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.

"Profiling" means any form of automated processing of personal data consisting of the use of personal data to evaluate certain personal aspects relating to an individual, in particular to analyse or predict aspects concerning that individual’s performance at work, economic situation, health, personal preferences, interests, reliability, behaviour, location or movements.

"Services Agreement" means the agreement entered into between you and The Company, either written or oral and however so recorded, that confirms the understanding between The Company and you pertaining to the provision of Services including inter alia the general terms of service and the terms of payment for said Services.

INTRODUCTION

The Company takes your right to privacy seriously and wants you to feel comfortable using our Site.

By using our Site, you are agreeing to the terms and conditions of this Privacy Policy.

We, by Processing Personal Data, as part of the Services provided under the Terms and Conditions acts as the Data Processor of Personal Data, under the direction and responsibility of us in our role as Data Controller of Personal Data.

When you contact us either via email, email form or chat (within the Site) or by telephone, we may, as part of the buying and selling process, collect certain personal information such as your name, date of birth, address, and email address. We may also request information concerning your finances (debits and credits), financial service providers, personal budgets, financial plans, retirement, and education goals.

This Privacy Policy does not apply to other entities that are not owned or controlled by our appointed person or entity in the capacity of Site administrator ("Site Administrator"), nor does it apply to persons that are not employees or agents of the Site Administrator, or that are not under the Site Administrator’s control.

CONSENT

We may only Process your Personal Data with your prior express and verifiable consent for a specific purpose. Such purposes may include, amongst others (i) completing an application for Services (pre-contractual) (ii) completing the Service Agreement (iii) automated processing including Profiling (iv) completing a transaction (v) verifying your credit card details for payment or arranging for a refund (vi) communications with our call operators and consultants.

Subject to your prior express consent we may also perform voice recordings of conversations between you and our call operators and/ or consultants. Before recoding any voice conversations, we shall first require your prior express and verifiable consent. Such recordings are meant to benefit and substantiate the accurate recoding of your Personal Data and Financial Information to provide the Services.

You may decline us performing any voice recordings.

In assessing your eligibility for the Services, we may perform certain automated processing of your Personal Data which may involve Profiling, e.g. Using credit referencing agencies. In such case we shall notify you of such automation processing and only perform such automated processing with your prior express consent. Profiling may, in certain circumstances, put at risk certain of your rights and freedoms and as such we will inform you of the implications in advance of performing any automated processing, for you to assess, considering the information at hand, if indeed you wish to provide consent.

In all circumstances we will provide you with an opportunity to say no.

WITHDRAWAL OF CONSENT

If after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your Personal Data, at any time, by contacting us via email or by following our opt-out instructions or by sending a mail to us.

You may not be able to opt-out of all information sharing, such as information sharing with credit card processors, in connection with payment for Services already provided by The Company or certain information sharing with third parties that we are legally required to provide imposed on us by law. (For more information, see Disclosure below).

PROCESSING OF PERSONAL DATA

Subject to your prior express and verifiable consent, we will process your Personal Data for certain purposes (see CONSENT, above) either, via the Site, email, chat technology, voice over IP (VOIP), telephone or on paper taken by our call operators and/ or consultants.

Such Personal Data will typically include, but not limited to, (i) your valid e-mail address (ii) your username (that has not been chosen already) (iii) your full name, (iv) your street address, city, postal code and (v) your date of birth. (See Terms and Conditions for more information on the provisions that apply to you concerning your registration obligations, user conduct and content submissions in addition to provisions that apply to you within this Privacy Policy).

PROCESSING OF FINANCIAL INFORMATION AND PERSONAL DATA

In addition to Personal Data and again subject to your prior express and verifiable consent, we may, to perform the Services, also request certain Financial Information from you concerning your personal finances. Such Financial Information may include information concerning your financial service providers, your personal budgets, your financial plans, your retirement and education goals and related information.

Such Financial Information may be used in automated processing which may involve Profiling (see CONSENT, above).

Processing of your Financial Information, subject to this Privacy Policy, is to aid the efficient performance of the Services. In certain circumstances our consultants may join you on a call with your bank or credit institution to assist you in obtaining more favourable terms and interest rates. In such instances our consultants may be privy to certain information concerning your accounts which may be of a sensitive nature. In such event we shall disclose to you what information may have been gleaned under such circumstances and will always make available to you access to your records for you to assess what Financial Information or Personal Data we may have on record. Your rights (see OUR OBLIGATIONS AND YOUR RIGHTS, below) will always apply, including inter alia destruction of such information.

Under no circumstances, shall we record your credit card data (credit card number, CVV2 number, valid and expiry dates) unless for payment purposes (see below, PAYMENT) and even in such instance, we shall never maintain a record of your CVV2 number.

USE OF PERSONAL DATA

We only collect Personal Data that is relevant to the purpose and business of our Site. This information allows us to provide you with a customized and efficient experience. We do not process this information in a way that is incompatible with this objective.

YOUR RIGHTS

You have the following rights pertaining to your Personal Data.
To be informed – we must be completely transparent with you in how we are using your Personal Data.
To access – you have the right to know precisely what information is held about you and how it is Processed.
To rectify – you are entitled to have Personal Data rectified if it is inaccurate or incomplete.
To erase – you have the right to having your Personal Data deleted or removed without the need for a specific reason as to why you wish to discontinue. Also known as the “right to be forgotten”.
To restrict – your right to block or suppress processing of Personal Data.
To use – your right to retain and reuse your Personal Data for your own purpose.
To object – in certain circumstances, you may be entitled to object to your personal data being used.
To Profiling – your right to protect yourself against the risk that a potentially damaging decision is made without human intervention via automated Processing of your Personal Data.
To complain – your right to lodge a complaint with a supervisory authority.

OUR RIGHTS

The general use of our Site does not require registration and as such, subject to the restrictions and provisions of this Privacy Policy, you can visit our website without providing your Personal Data.

However, in providing certain Services we may require registration which may involve the Processing of Personal Data.

If you choose not to provide consent or withhold certain Personal Data from us, then it may not be possible for you to gain access to certain parts of the Site, nor for us to be able to provide the Services or certain aspects of the Services.

OUR OBLIGATIONS

Notwithstanding the obligations provided for in the Terms and Conditions and this Privacy Policy, we are also obligated by the provisions of the Data Protection Act ensuring that processing of your Personal Data is lawful, fair, transparent, adequate, relevant, accurate, kept for as long as required and proportionate to the purposes for which it is being used.

Subject to a written request by you, we are obligated to provide you with access to your Personal Data and as such provide you with a copy our records pertaining to your Personal Data. If you require such access then please go to Questions and Requests and Contact information, below.

If you cease to be a subscriber or member or customer of The Company then, subject to not contravening the requirements of the law, we will be obliged to destroy your Personal Data.

Might there be a security breach concerning your Personal Data and such breach is likely to result in a high risk to your rights and freedoms, then, in such instance, we will be obliged to inform you as soon as possible without undue delay.

SECURITY

Further to our obligations concerning the processing of your Personal Data under the Data Protection Act (see under OUR OBLIGATIONS and YOUR RIGHTS) we shall ensure that your Personal Data is securely processed.

To protect your Personal Data, we also take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered, or destroyed.

If you provide us with sensitive information, such as login credentials and credit card information, then such information is encrypted using secure socket layer technology (SSL) and stored with AES-256 encryption." Although no method of transmission over the Internet or electronic storage is 100% secure, we use generally commercially acceptable standards to protect your personal information and data.

You understand that certain other information (not including Personal data and credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

As on many web sites, the Site Administrator may also automatically receive general information that is contained in server log files, such as your IP address, and cookie information.

PAYMENT

If you pay us by credit or debit card, we will use a direct payment gateway to complete your purchase, then we will store your credit card data. It is encrypted through the Payment Card Industry Data Security Standard (PCI-DSS). Your purchase transaction data is stored only as long as is necessary to complete your purchase transaction. After that is complete, your purchase transaction information is deleted.

All direct payment gateways adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of the Card Associations.
PCI-DSS requirements help ensure the secure handling of credit card information by our Site and its service providers.

THIRD-PARTY SERVICES

In general, the third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform certain services they provide to us.

Certain third-party services, such as payment gateways and other transaction or payment processors are required to abide by security standards imposed on them, such as the Payment Card Industry Data Security Standard (PCI-DSS), which is a set of security standards designed to ensure that all payment processors that accept, process, store or transmit credit card information maintain a secure environment. All direct payment gateways we utilise adhere to PCI-DSS, which is a joint effort of brands like Visa, MasterCard, American Express and Discover, to safeguard card data handling.

Whilst we shall not store your credit card information, such payment gateways and other transaction or payment processors, under PCI-DSS, may store your purchase transaction data for only as long as is necessary to complete the transaction and thereafter for only as long as it is required by law.

Such third-party payment gateways and other transaction or payment processors and other third parties, have their own privacy policies in respect to the information we are required to provide to them for your purchase-related transactions.

For these providers, we recommend that you read their privacy policies so you can understand the way your personal information will be handled by these providers.

Remember that certain providers may be located in or have facilities that are located in a different jurisdiction than either you or us. So, if you elect to proceed with a transaction that involves the services of a third-party service provider, then your information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located.

Once you leave our Site or are redirected to a third-party website or application, you are no longer governed by this Privacy Policy or the Agreements.

LINKS

When you click on links on our Site, they may direct you away from our Site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.

COOKIES

Cookies are alphanumeric identifiers that we transfer to your computer’s hard drive through your Web browser to enable our systems to recognize your browser and tell us how and when pages in our Site are visited and by how many people. Our Site may use session cookies which track your browser session. These do not store any information on your computer, but merely allow our Site to recognise your order and its contents and whether you are logged in to your account.

The Company cookies do not collect Personal Data, and we do not combine information collected through cookies with other personal information to tell us who you are or what your screen name or e-mail address is.

By using this Site and/or using any Services provided via it, you agree to the abovementioned use of cookies.

DISCLOSURE

We may disclose your Personal Data if we are required by law to do so, or if you violate any of our Agreements.

We reserve the right to release and disclose any Personal Data provided by you to law enforcement or other governmental officials as may be required by law or in our sole and absolute discretion (as may be permitted by law), deemed necessary to comply with any applicable law or at the request of any governmental entity or agency.

MINORS

You must be 18 years or older to register to use the Site. As a result, The Company does not specifically collect information about minors. If we learn that The Company has collected information from a minor under the age of 18, we will delete that information as quickly as possible.

CHANGES TO THIS PRIVACY POLICY

Changes may be made to this policy from time to time. You will be notified of substantial changes to this policy either by the posting of a prominent announcement on the Site, and/or by a mail message sent to the e-mail address you have provided, which is stored within your user settings.

We reserve the right to modify this Privacy Policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the Site. If we make material changes to this Privacy Policy, we will notify you here that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.

If The Company is acquired or merged with another company, your information may be transferred to the new owners so that we may continue to sell products or services to you.

LEGISLATION CONCERNING PRIVACY POLICY

This Privacy Policy has been drafted to comply with the Card Association Rules and certain extra territorial legislation pertaining to other jurisdictions such as that contained in the EU"s General Data Protection Regulation 2016/679 (GDPR), as appropriate.

QUESTIONS AND REQUESTS AND CONTACT INFORMATION

If you would like to: access, correct, amend or delete any Personal Data we record on you, register a complaint, or simply want questions answered or more information then please contact us by email.

Our Terms of Service

Definitions

The Company: Means the legal entity listed in the footer of this website. Any reference to “we” and/or “our” shall be construed as reference to The Company.

The Service: Refers to the products and services described on this website to which The Client has subscribed for.

The Client: Means the consumer who has duly completed the registration process for The Service and who has agreed to these terms and conditions of service. Any reference to “you” and/or “your” shall be construed as reference to The Client.

Payment Processor: Means any Payment Service Provider, Acquiring Bank or any other similar organisation or party, with whom The Company has a direct or indirect commercial relationship, in terms of which money may on behalf of The Company be debited or credited to The Client.

Billing Currency: Means the currency in which Registration Fees and Subscription Fees are calculated and billed.

Benefit Currency: Means the currency in which the respective Service Benefits are calculated, and as published on this website.

Payment Currency: Means any currency, which The Company may elect to use for the collection of payments from The Client in respect of amounts calculated in the Billing Currency; and/or for the pay-out of respective Refunds, Rewards or Service Benefits to The Client from time to time, as calculated in the Benefit Currency.

General

The Client hereby acknowledges and agrees to the following: it is the sole responsibility of The Client to ensure that The Client reads these conditions carefully before using any of the services provided by The Company under this website by registering under this website and/or using our services. The Client signifies The Client’s agreement to be bound by these Terms and Conditions as set forth hereunder, it is the sole responsibility of The Client to ensure that The Client acquaints itself with the contents of any updated Terms & Conditions which may be published by The Company under this website from time to time; and The Company offers a wide range of services which may under certain circumstances require that certain terms be varied and/or that additional terms be applied by The Company and/or that certain parts of the services be substituted and in any such event the company will publish same under our website and inform The Client accordingly.

Merchant of Reference

The Company is the Merchant of Reference and the sole owner and operator of this product URL.

Subscription Service Bundle

Our Subscription Service Bundle consists out of various Service Components as described on this website, for which The Client, has subscribed during our registration process pursuant to this website. These individual Service Components may be offered to you as part of your Monthly Subscription Fee or Free of Charge as an added value benefit to you.

Service Options, Registration & Subscription Fees

You may choose one of our 3 service options during your online registration process (Bronze, Silver or Gold).

Subject to these Terms & Conditions, The Client’s monthly Subscription Fee will entitle The Client to All the product benefits included under The Client’s selected service option.

All our product service options require you to pay applicable registration fees. These registration fees may be processed via a secure card association (Master/VISA/CUP) process for online transactions, or via recurring card not present protocol.

Should you not make payment of these registration fee, you will still be regarded as an active customer, but will be prohibited from making use of any of our services, until you have paid your registration fees via an approved secure online process.

Your Monthly Subscription Fees will be collected each month from your indicated card account, on, or as close as possible to, the day that you normally receive your income, as indicated by you. We may re-present any failed transactions against your indicated card account on any subsequent day in our sole discretion.

Your applicable monthly subscription fee is payable in advance each month from date of registration, on or close to, your salary day, until cancellation of this service agreement. You hereby irrevocably authorise and instruct us, directly or indirectly, to collect any money due by you and to pay any money due to you, via your nominated debit card or credit card, as may be substituted from time to time.

We may change any of our fees and any other conditions when deemed necessary by us, and we shall inform you in writing about such changes in advance by at least 15 days via any form of electronic communication.

Product Pricing & Benefits

The product pricing and benefits, as set out in our product website, in the Billing Currency will apply, subject to change from time to time, and as published on this product website:

All prices are inclusive of VAT and or other sales taxes.

Payment Currency

The Company may process the payment of any applicable fees in an equivalent amount in another currency, other than the Billing Currency, should we be unable to process payments in the Billing Currency, for whatsoever reason.

We shall endeavour to ensure that the converted amount in the Payment Currency is as close as possible to the Billing Currency amount in value. We reserve the right to calculate the Payment Currency conversion rate at our own discretion, within reason.

General Provisions

All the information you provide us should be true and correct and will be treated as confidential. We may, however, provide such information to any third party to assess your application or render “The Service”, or upon default.

You acknowledge that we may communicate with you from time to time via any electronic communication channel available for any reasonable reason.

Should we provide any third-party insurance products as part of “The Service”, these products will have their own terms and conditions, that would be sent to you via separate communication. No benefits or service requests will be honoured if service fees are in arrears or short paid.

Payments Policy

Processing of all applicable payments are provided by reputable Payment Processors. Card transactions will be acquired for us via approved payment gateways. Our chosen Payment Processors use the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no Card details are stored on the website.

Our payments are fully PCI DSS Compliant. Compliance with PCI DSS means inter alia that our payment provider has its systems secured and customers can trust us with their sensitive payment card information. PCI DSS is an active certification and ongoing oversight by independent auditors who are procured to ensure that we are always compliant.

We may accept VISA®, VISA Electron®, MasterCard®, Maestro®, China UnionPay® Diners or American Express.

We require your card number, the expiry date, the CVV number (that’s usually the last 3 digits on the back of your card) and your name exactly as it appears on the front of the card.

Registration Fees may be deducted upon date of registration or any time thereafter. Monthly Subscription Fees will be deducted as close as possible to your indicated salary payment date. You have also authorised us to re-present payments against your card, should initial presentment fail.

Payment Cards used for the first time on our website together with any large or unusual payment card transactions will need to be validated by the issuing bank or the cardholder before your order can be processed.

Card Holder Jurisdiction

The cardholder is responsible for any / all extra charges applied within their states and / or country. Any and all jurisdictional laws within the cardholder’s state and / or country surrounding these types of transactions are the responsibility of the cardholder.

Consumer Satisfaction

All sales are 100 percent guaranteed for consumer satisfaction.

We do not accept payment by cash or money order. We accept Visa, MasterCard or China UnionPay payments only by using a secure server payment gateway. When charged, The Company reference will appear on your card statement.

Privacy

The Client hereby undertakes to review and familiarise itself with our Privacy Policy, to ensure that The Client understands our practices.

Electronic Communications

When you use any of our services or send emails to us, you are communicating with us electronically. We will communicate with you by e-mail or by posting notices on the website or through other Services of The Company. For contractual purposes, you consent to receive communications from us electronically and you agree that all agreements, notices, disclosures, and other communications that we provide you electronically satisfy any legal requirement that such communications be in writing, unless mandatory applicable laws specifically require a different form of communication.

Ownership Rights

All content included in or made available, such as text, graphics, logos, button icons, images, audio clips, digital downloads and data compilations is the property of The Company or its content suppliers and is protected by international copyright, authors' rights, and database rights laws. The compilation of all content included in or made available, is the exclusive property of The Company and is protected by international copyright and database rights laws.

You may not extract and/or re-utilise parts of the content without our express written consent. You in particular may not utilise any data mining, robots, or similar data gathering and extraction tools to extract (whether once or many times) for re-utilisation any substantial parts of the content, without our express written consent. You may also not create and/or publish your own database that features substantial parts (e.g. our prices and product listings) without our express written consent.

License & Access

Subject to your compliance with these Terms of Service and your payment of any applicable fees, The Company or its content providers grant you a limited, non-exclusive, non-transferable, non-sub-licensable licence to access and make personal and non-commercial use of the service. This licence does not include any resale or commercial use of the service or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of the service or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools.

All rights not expressly granted to you in these Terms of Service are reserved and retained by The Company or its licensors, suppliers, publishers, rights holders, or other content providers. The service, may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without our express written consent. You may not frame or use framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of The Company without our express written consent. You may not use any meta tags or any other "hidden text" utilising The Company's names or trademarks without our express written consent.

You may not misuse the service. You may use the service only as permitted by law. The licenses granted by The Company pursuant to this agreement may at any time be terminated by The Company if you in any manner do not comply with these Terms of Service.

Reviews & Contents

Visitors may post reviews, comments and other content; send e-cards and other communications; and submit suggestions, ideas, comments, questions or other information, as long as the content is not illegal, obscene, abusive, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings or any form of "spam". You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. We reserve the right to remove or edit such content. If you believe that any content on or advertised for sale on the service contains a defamatory statement, or that your intellectual property rights are being infringed by an item or information on the service, please notify us by submitting a formal notice to us and we will respond.

If you post content or submit material, and unless we indicate otherwise, you grant: (a) The Company a non-exclusive, royalty-free and fully sub-licensable and transferable rights to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media; and (b) The Company, its sub-licensees and transferees the right to use the name that you submit in connection with such content, if they choose. No moral rights are assigned under this provision.

You agree that the rights you grant above are irrevocable during the entire period of protection of your intellectual property rights associated with such content and material. To the extent permitted by law, you agree to waive your right to be identified as the author of such content and your right to object to derogatory treatment of such content. You agree to perform all further acts necessary to perfect any of the above rights granted by you to The Company including the execution of deeds and documents, at our request.

You represent and warrant that you own or otherwise control all of the rights to the content that you post; that, as at the date that the content or material is posted: (i) the content and material is accurate; and (ii) use of the content and material you supply does not breach any applicable policies or guidelines and will not cause injury to any person or entity (including that the content or material is not defamatory). You agree to indemnify The Company for all claims brought by a third party against The Company arising out of or in connection with the content and material you supply except to the extent that any liability arises from our failure to properly remove the content when it is notified of the illegal nature of the content arising out of or on the grounds of or originating from the content that you have communicated to us.

Intellectual Property Claims

The Company respects the intellectual property of others. Please see our Privacy Policy for more information.

Liability

We will do our utmost to ensure that availability of the service will be uninterrupted and that transmissions will be error-free. However, due to the nature of the internet, this cannot be guaranteed. Also, your access to the service may also be occasionally suspended or restricted to allow for repairs, maintenance, or the introduction of new facilities or services. We will attempt to limit the frequency and duration of any such suspension or restriction.

The company will not be responsible for losses that were not caused by any breach on our part, or any business loss (including loss of profits, revenue, contracts, anticipated savings, data, goodwill or wasted expenditure), or any indirect or consequential losses that were not foreseeable to both you and us when you commenced using The Company Services.

The Company will not be held responsible for any delay or failure to comply with our obligations under these conditions if the delay or failure arises from any because which is beyond our reasonable control. This condition does not affect your legal right to have goods sent or services provided within a reasonable time or to receive a refund if goods or services ordered cannot be supplied within a reasonable time owing to a cause beyond our reasonable control.

The laws of some countries do not allow some or all, of the limitations described above. If these laws apply to you, some or all the above limitations may not apply to you and you might have additional rights.

Nothing in these conditions limits or excludes our responsibility for fraudulent representations made by us or for death or personal injury caused by our negligence or wilful misconduct.

Country of Domicile & Applicable Law

The Company is incorporated in the Republic of South Africa and subject to its laws, regulations and treaties.

The Company chooses the address as stated in the Contact Us page of this website 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.

Alterations & Severability

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

We reserve the right to make changes to any of The Company Services, policies, terms of service including these Terms of Service at any time. You will be subject to the Terms of Service and policies in force at the time that you use The Company Services. If any of these Terms of Service is deemed invalid, void, or for any reason unenforceable, that condition will be deemed severable and will not affect the validity and enforceability of any remaining condition.

Waiver

If you breach these Terms of Service and we take no action, we will still be entitled to use our rights and remedies in any other situation where you breach these Terms of Service.

Children

We do not sell products for purchase by children. If you are under 18 you may use The Company’s services only with the direct approval and involvement of a parent or guardian.

Our Policy in Respect of Chargebacks

When a transaction is disputed, the bank which issued the related card (Issuer Bank) and the Merchant`s bank which is sponsoring the account of the related Merchant (Sponsor/Acquirer Bank), operate according to clearly defined and well-established procedures to resolve the aforesaid dispute.

These procedures are designed to establish whether the Merchant should receive (or retain) the payment pertaining to the disputed transaction (as processed) or whether the funds should be returned to the Cardholder’s account.

The process of returning the funds to the Cardholder or the Accountholder is known as a Chargeback.

Chargebacks are thus the full reversal of processed transactions by the Issuer Bank.

We only take responsibility for Chargebacks and any fines, fees and assessments arising from the applicable regulatory bodies related to or arising from any such fraudulent transactions.

You fully indemnify and keep indemnified The Company, its directors, employees, group companies, affiliates, Processing Partners, sub-contractors and agents and assignees from and against: All Chargebacks and Refunds related to any transaction processed on behalf of The Company; and any Payment Card Associations’ fines, fees penalties and assessments and acquirers’ administrative charges and any fines, fees and assessments arising from the applicable regulatory bodies related to or arising from any Chargebacks, Refunds or fraudulent Transactions.

Customer details

Customer details will be stored by The Company separately from card details which are entered by the client on the payment service provider’s secure site.

Responsibility

The Company 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.

Copyright Policy & Privacy Policy

This website and its content may not be reproduced, duplicated, copied, resold, visited or otherwise exploited for any commercial purpose without the express prior written consent of The Company. The license granted hereunder does not allow you to collect product or service listings, descriptions or other information displayed here, and does not allow any derivative use of this website or the content for the benefit of another merchant. You may not frame nor use framing technologies to enclose The Company Websites or the Contents nor any part thereof without the express written consent of The Company.

OFAC Compliance

The Office of Foreign Assets Control (OFAC) of the U.S. Department of Treasury administers and oversees a series of laws that impose economic sanctions against hostile entities to further U.S. foreign policy and national security objectives. OFAC is responsible for promulgating, developing and administering the sanctions for the Treasury under all federal statutes. The OFAC laws and regulations promote national and international security by requiring asset freezing of: Oppressive governments, International terrorists, Narcotics traffickers, or other specially designated nationals (SDNs) and blocked persons.

The Company adheres to the OFAC regulations.

Translation

This document and any of our other documentation, including, but not limited to, Terms of Service of Service, General Legal Documentation, Computer Software User Interfaces, Marketing Material, Disclaimers, Privacy Policies and Collection Mandates, is published in English and is subject to applicable laws and regulations. These documents, software or material may be translated into other languages and published by us, for the benefit of consumers in other jurisdictions. Should any part of such translated versions of any such material differ in any way from the original English, the original English version will take preference.

Security

To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered, or destroyed. If you provide us with sensitive information, such as login credentials and credit card information, such information is encrypted using secure socket layer technology (SSL) and stored with AES-256 encryption. Although no method of transmission over the Internet or electronic storage is 100 percent secure, we follow all PCI-DSS requirements use generally acceptable commercially standards to protect your personal information. and implement additional generally accepted industry standards.

Our Refund & Cancellation Policy

We may in our sole discretion cancel and/or suspend any part of your services and/or with immediate effect terminate your service contract, in any of the following events: should we suspect fraudulent activity by you, or any fraudulent activity by any third party in using, or attempting to in any manner use, your card and/or any part of our services provided to you; or, should you terminate your service contract; or, should you breach any of our Terms of Service or should you pass away.

In the event where The Company is no longer able to provide any part of the services, then The Company may terminate your service contract, in respect of such services, subject to The Company providing you with written notification within a period reasonable under the then existing circumstances. In any such event, The Company shall not be obligated to provide substitute services.

You may terminate your Service Contract during the initial 30 days from date of registration, by providing The Company with a written notice of such cancellation and you will be entitled to request a full refund of all subscription fees paid, less the value of any services utilised, or subscription loyalty rewards received.

You may terminate your Service Contract after the initial 30 days from date of registration, by providing The Company with a written notice, after receipt of which, the Terms of Service will stay in full force for three calendar months.

All Cancellation notices can be sent to the email address provided on this website.

All outstanding monthly fees are due upon cancellation of your subscription.

Nothing in this Policy is intended to limit your statutory rights in any way.