2.1 These terms and conditions of use become effective when the user accesses this site for the first time and constitute a binding agreement between Absa Bank Limited Registration number 1986/004794/06 or its co-subsidiaries or affiliates, as the case may be (“Absa”) and the user.

3.1 All information on this site is only intended to provide the user with general information about Absa, Absa products and Absa services.

3.2 IMPORTANT NOTICE: The 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.

3.3 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.

4.1 Absa may use the services of other third party organisations to provide information on this site. Absa has no control over the third party information and makes no representations or warranties of any nature as to its accuracy, appropriateness or correctness. Absa will not be directly or indirectly liable for any damages that may arise from the user's reliance on it.

5.1 Absa 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.

5.2 The current version of these conditions will govern the respective rights and obligations of Absa and the user each time the user access this site.

6.1 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 Absa and Absa 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.

6.2 Absa is not responsible for webcasting or any other form of transmission from linked sites nor is Absa responsible if the linked site is not working appropriately.

6.3 Absa is providing these links to you only as a convenience, and the inclusion of any links does not imply endorsement by Absa of the site, their business or security practices or any association with its operators.

7.1 Absa is committed to making sure that your online experience is safe and secure. Absa uses multiple levels of security, and state-of-the-art Internet technology, beginning with your browser and ending with our own security infrastructure to ensure that access to your terminal is private and secure.

8.1 Absa Bank Limited, Registration Number 1986/004794/06 ("Absa"), is committed to maintaining the privacy and security of its customers' personal and private information ("customer information") submitted to Absa via the www.absa.co.za website ("the/this website"). This privacy and security policy ("this policy") outlines Absa's practices and commitment to the customer in this regard.

9.1 Absa offers RSS (Really Simple Syndication) feeds of the updated or latest content found on the Absa web site ("this site") in XML format to visitors of the site. This service is offered free of charge and is for non-commercial use only.

9.2 Users are strictly prohibited from placing or incorporating advertising in the Absa RSS content. Under no circumstances whatsoever may you modify, alter or edit the text, content or links as supplied by Absa on the RSS feeds.

9.3 The RSS service offered by Absa may only be used on platforms which allow a functional link to access and take the user directly to the full article as displayed on the Absa website. The user is not allowed to display the Absa RSS content in a manner that does not permit successful linking, redirection or delivery to the official and applicable Absa web page.

9.4 Absa reserves the right in its sole discretion, for whatsoever reason at any time, to require users of the RSS service to immediately cease using the service, upon receipt of notification in this regard.

9.5 Absa shall not be held liable for any of your activities in connection with the RSS feeds or for use of the RSS service in connection with your website.

10.1 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, Absa's prior written consent is required. An application for linking must be submitted to direct@absa.co.za

10.2 Absa's consent may be withheld or granted, subject to conditions specified by Absa.

10.3 Breach of these conditions entitles Absa to take legal action without prior notice to the user and the user agrees to reimburse the costs associated with such legal action to us on an attorney and own client scale.

11.1 This site contains copyright and other intellectual property including logos and other graphics and multimedia works belonging to Absa.

11.2 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:

11.3 The material is used for considering use of the online services and for no other commercial purposes.

11.4 Any reproduction of our proprietary material from this site or portion of it, must include Absa's copyright notice in its entirety.

11.5 The logos and trademarks shown on this site are Absa's registered and unregistered trademarks, or that of third parties.

11.6 Nothing on this site should be construed as granting any licence or right to use any trademark without Absa's prior written permission and/or that of third parties, as the case may be. The user may not, without Absa's prior written consent, use Absa's intellectual property or that of third parties for any purposes whatsoever.

12.1 Information transmitted through an unsecured link over the Internet, including e-mail, is subject to potential unlawful access or monitoring.

12.2 The user accepts that Absa cannot be held liable for any loss, or damage suffered by the user as a result of unlawful activities by unscrupulous persons, as Absa cannot prevent such behaviour.

13.1 All the information appearing on this site is provided without a representation or warranty whatsoever, whether expressed or implied, and Absa disclaims any liable to the user in this regard

13.2 Absa 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

13.3 Absa does not warrant that the site or online services will be error-free

14.1 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.

14.2 In no event will Absa 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 Absa was expressly advised of the possibility of such loss or damage.

14.3 Without derogating from the generality of the above, and to the extend legally permitted, Absa will not be liable for:

14.4 Any interruption, malfunction, downtime, off-line situation or other failure of the site or online services, Absa's system, databases or any of its components, beyond Absa's reasonable control;

14.5 Any loss or damage with regard to the users data or other data directly or indirectly caused by malfunction of Absa's system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on Absa's system or third party systems; programming defects;

14.6 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 we have no direct control.

15.1 The user hereby warrants to Absa that the user has the required legal capacity to enter into and be bound by these terms and conditions.

15.2 Minors must be assisted by their legal guardians when reading these terms and conditions.

16.1 The user shall be liable to Absa for any liabilities, losses or expenses incurred by Absa as a result of any breach by the user of these terms and conditions.

17.1 Absa may:

17.1.1 Set limits or conditions on the right to certain services, features or functions on this site.

17.1.2 Restrict access to parts of or all of the services on the site; and

17.1.3 Modify, suspend or discontinue this site, whether temporarily or permanently, without notice.