GENERAL

The IDC licenses the User to view, download and print the content of the IDC web site, provided that such content is used for private, personal, educational and/or non-commercial purposes only.

Users may not access, browse and use the IDC web site for illegal purposes.

The purpose of the caching is to make the onward transmission of the content from the IDC web site more efficient;

The cached content is updated at least every 12 (twelve) hours; and

The cached content is removed or updated when so required by the IDC.

If any User uses content from the IDC web site in breach of the provisions detailed herein:

The IDC reserves the right to claim damages from the User;

The IDC reserves the right to institute criminal proceedings against the User; and

The IDC shall not be liable, in any manner whatsoever, for any damage, loss or liability that resulted from the use of such content by the User or any third party who obtained any content from the User.

Users may quote small and reasonable amounts of content available from the IDC web site only if such quote is placed in inverted commas and acknowledged.

No person may frame the IDC web site, in any manner whatsoever, without the prior written consent of the IDC.

It is the responsibility of the User to acquire and maintain, at his/her own expense, the necessary computer hardware, software, communication lines and Internet access accounts required to access the Internet and the IDC web site and/or download content from the IDC web site.

Access to the services, content, software and downloads available from the IDC web site may be classified as “electronic transactions” as defined in terms of the ECT Act and therefore Users have the rights detailed in Chapter 7 of the ECT Act and the IDC has, amongst others, the duty to disclose the following information:

Street address: 19 Fredman Drive, Sandown, 2196, South Africa;

Postal address: PO Box 784055, Sandton, 2146, South Africa;

Physical address for receipt of legal service: 19 Fredman Drive, Sandown, 2196, South Africa;

Main business: The IDC’s focus is on contributing to economic growth, industrial development and economic empowerment through its financing activities. The IDC has evolved from being a leading industrial player at national and regional levels to being the first South African Development Finance Institution (DFI) to have its mandate extended to the rest of the African continent. These developments will provide an important catalyst for the New Economic Partnership for African Development (NEPAD);

The web site address of the IDC web site is: http://www.idc.co.za;

The official e-mail address of the IDC web site is: callcentre@idc.co.za;

Membership of self-regulatory or accreditation bodies: NONE;

Codes of conduct to which the IDC subscribes: NONE;

The Manual published in terms of section 51 of the Promotion of Access to Information Act 2 of 2000 of the owner of the IDC web site may be downloaded from here.

Management: Please see the page Corporate Structure.

The costs associated with the access to and use of the IDC web site is as follows: Free.

Alternative dispute resolution: Subject to urgent and/or interim relief, all disputes regarding:

the inability to access the IDC web site;

the services and content available from the IDC web site; or

these terms and conditions,

Cooling-off period: In terms of the operation of section 42(1)(d) of the ECT Act, the cooling-off provisions of the ECT Act do not apply to this web site;

Users may lodge complaints concerning the IDC web site with the IDC at (callcenter@idc.co.za or call 011 269 3611).

change these terms and conditions;

change the content and/or services available from the IDC web site;

discontinue any aspect of the IDC web site or service(s) available from the IDC web site; and/or

change the software and hardware required to access and use the IDC web site.

The IDC shall take all reasonable steps to protect the personal information of Users and for the purpose of this clause, “personal information” shall be defined as detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA). The PAIA may be downloaded from: http://www.info.gov.za/gazette/acts/2000/a2-00.pdf

The IDC may electronically collect, store and use the following personal information of Users:

name and surname;

contact numbers;

non-personal browsing habits and click patterns;

e-mail address;

IP address; and/or

User selected username and password.

The IDC collects, stores and uses the abovementioned information for the following purposes:

To communicate requested information to the User;

To provide the User with access to restricted pages on this web site; and

To compile non-personal statistical information about browsing habits, click-patterns and access to the IDC web site.

Information detailed above is collected either electronically by using cookies or is provided voluntarily by the User. Users may determine cookie use independently through their browser settings.

The IDC may collect, maintain, save, compile, share, disclose and sell any information collected from users, subject to the following provisions:

The IDC shall not disclose personal information from Users unless the User consents thereto;

The IDC shall disclose information without the User’s consent only through due legal process; and

The IDC may provide hyperlinks to web sites not controlled by the IDC (target sites) and such links do not imply any endorsement, agreement on or support for the content of such target sites.

Users may not deliver or attempt to deliver, whether on purpose or negligently, any damaging code, such as computer viruses, to the IDC web site or the server and computer network that support the IDC web site.

Notwithstanding criminal prosecution, any person who delivers any damaging code to the IDC web site, whether on purpose or negligently, shall, without any limitation, indemnify and hold the IDC harmless against any and all liability, damages and losses the IDC and its partners / affiliates may suffer as a result of such damaging code.

Users may not develop, distribute or use any device to breach or overcome the security measures of the Product and the IDC reserves the right to claim damages any and all persons concerned with a security failure or breach.

Any User who commits any of the offences detailed in sections 85 to 88 of the ECT Act shall, notwithstanding criminal prosecution, be liable for all resulting liability, loss or damages suffered and/or incurred by the IDC and its partners / affiliates. The ECT Act may be downloaded from: http://www.info.gov.za/gazette/acts/2002/a25-02.pdf

access to the IDC web site;

access to web sites linked to the IDC web site;

inability to access the IDC web site;

inability to access web sites linked to the IDC web site;

content available on the IDC web site;

services available from the IDC web site;

any other reason not directly related to the IDC’s gross negligence.

The IDC does not make any warranties or representation that content and services available from the IDC web site will in all cases be true, correct or free from any errors. The IDC shall take all reasonable steps to ensure the quality and accuracy of content available from the IDC web site.

These terms and conditions constitute the entire agreement between the IDC and the User and shall take precedent over any disclaimers and/or legal notices attached to any communications and/or postings received by the IDC from the User.

Any failure by the IDC to exercise or enforce any right or provision shall in no way constitute a waiver of such right or provision.

The User and the IDC agree that:

data messages (as defined in the ECT Act) addressed by the User to the IDC shall only be deemed to have been received if and when responded to;

data messages (as defined in the ECT Act) addressed by the User to the IDC shall be deemed to have been created and sent by the User from within the geographical boundaries of South Africa;