1.1.This website can be accessed at www.ver-tex.co.za, related mobi-sites and software applications (the "Website") and is owned and operated by Ver-Tex Solutions (Proprietary) Limited ("VTS", "we", "us" and "our").

1.2.These Website Terms and Conditions ("Terms and Conditions") govern the Acknowledgment of Debt, the payment and settlement towards the debt by an individual owing the debt to a credit provider.

1.3.These Terms and Conditions are binding and enforceable against every person that accesses or uses this Website ("you", "your" or "user"), including without limitation each user who registers as contemplated below ("registered user"). By using the Website and by clicking on the "Register Now" button on the Website, as may be applicable, you acknowledge that you have read and agree to be bound by these Terms and Conditions.

1.4.The Website enables you to access your account, download a statement of your account, acknowledge the debt and or make a payment arrangement to the settlement of the debt through different payment options available on the website.

2.1.Your attention is drawn to these Terms and Conditions because they are important and should be carefully noted.

2.2.If there is any provision in these Terms and Conditions that you do not understand, it is your responsibility to ask Ver-Tex Solutions to explain it to you before you accept the Terms and Conditions or continue using the Website.

2.3.Ver-Tex Solutions permits the use of this Website subject to the Terms and Conditions. By using this Website in any way, you shall be deemed to have accepted all the Terms and Conditions unconditionally. You must not use this Website if you do not agree to the Terms and Conditions.

3.1.Only registered users may access their account details and make payments towards the settlement of their accounts.

3.2.To register as a user, you must provide a unique username and password and provide certain information and personal details to Ver-Tex Solutions. You will need to use your unique

3.3. You agree and warrant that your username and password shall:

3.4.or security purposes you agree to enter the correct username and password whenever accessing the "My Account" page, failing which you will be denied access.

3.5.You agree that you will not in any way use any device, software or other instrument to interfere or attempt to interfere with the proper working of the Website. In addition, you agree that you will not in any way use any robot, spider, other automatic device, or manual process to monitor, copy, distribute or modify the Website or the information contained herein, without the prior written consent from an authorised Ver-Tex Solutions representative (such consent is deemed given for standard search engine technology employed by Internet search websites to direct Internet users to this Website).

3.6.You may not use the Website to distribute material which is defamatory, offensive, contains or amounts to hate speech or is otherwise unlawful.

3.7.You may not in any way display, publish, copy, print, post or otherwise use the Website and/or the information contained therein without the express prior written consent of an authorised Ver-Tex Solutions representative.

4.1.We are committed to providing secure online payment facilities. All transactions are encrypted using appropriate encryption technology.

4.2.Payment of your account can be made via:

4.3.You may contact us via email at queries@ver-tex.co.za to obtain a full record of your payment.

5.1.We respect your privacy and will take reasonable measures to protect it, as more fully detailed below.

5.2.Should you decide to register as a user on the Website, we may require you to provide us with personal information which includes but is not limited to –

5.3.Should your personal information change, please inform us and provide us with updates to your personal information as soon as reasonably possible to enable us to update your personal information.

5.4.We will not, without your express consent, use your personal information for any purpose other than to contact you regarding your account/s;

5.5.We will ensure that all of our employees having access to your personal information are bound by appropriate and legally binding confidentiality obligations in relation to your personal information.

5.6.We will –

5.7.We will not retain your personal information longer than the period for which it was originally needed, unless we are required by law to do so, or you consent to us retaining such information for a longer period.

5.8.Ver-Tex Solutions undertakes never to sell or make your personal information available to any third party other than as provided for in this policy, unless we are compelled to do so by law. In particular, in the event of a fraudulent online payment, Ver-Tex Solutions is entitled to disclose relevant personal information for criminal investigation purposes or in line with any other legal obligation for disclosure of the personal information which may be required of it.

5.9.Whilst we will do all things reasonably necessary to protect your rights of privacy, we cannot guarantee or accept any liability whatsoever for unauthorised or unlawful disclosures of your personal information, whilst in our possession, made by third parties who are not subject to our control, unless such disclosure is as a result of our gross negligence.

6.1.Ver-Tex Solutions may, in its sole discretion, change any of these Terms and Conditions at any time. It is your responsibility to regularly check these Terms and Conditions and make sure that you are satisfied with the changes.

6.2.Any such change will only apply to your use of this Website after the change is displayed on the Website. If you use the Website after such amended Terms and Conditions have been displayed on the Website, you will be deemed to have accepted such changes.

7.1.When you visit the Website or send emails to us, you consent to receiving communications from us electronically in accordance with our privacy policy.

8.1.The contents of the Website, including any material, information, data, software, icons, text, graphics, lay-outs, images, trade names, logos, trade-marks, designs and service marks which are displayed on or incorporated in this Website ("Website Content") are protected by law, including but not limited to copyright and trade mark law. The Website Content is the property of Ver-Tex Solutions, its advertisers and/or sponsors and/or is licensed to Ver-Tex Solutions.

8.2.You will not acquire any right, title or interest in or to the Website or the Website Content.

8.3.Any use, distribution or reproduction of the Website Content is prohibited unless expressly authorised in terms of these Terms and Conditions or otherwise provided for in law.

9.1.The use of the Website is entirely at your own risk and you assume full responsibility for any risk or loss resulting from use of the Website or reliance on any information on the Website.

9.2.Whilst Ver-Tex Solutions takes reasonable measures to ensure that the content of the Website is accurate and complete, Ver-Tex Solutions makes no representations or warranties, whether express or implied, as to the quality, timeliness, operation, integrity, availability or functionality of the Website or as to the accuracy, completeness or reliability of any information on the Website. If any such representations or warranties are made by Ver-Tex Solutions representatives, Ver-Tex Solutions shall not be bound thereby.

9.3.Ver-Tex Solutions disclaims liability for any damage, loss or expenses, whether direct, indirect or consequential in nature, arising out of or in connection with your access to or use of the Website and/or any content therein unless otherwise provided by law.

9.4.In addition to the disclaimers contained elsewhere in these Terms and Conditions, Ver-Tex Solutions also makes no warranty or representation, whether express or implied, that the information or files available on the Website are free of viruses, spyware, malware, trojans, destructive materials or any other data or code which is able to corrupt, destroy, compromise, disrupt, disable, harm, jeopardise or otherwise impede in any manner the operation, stability, security functionality or content of your computer system, computer network, hardware or software in any way. You accept all risk associated with the existence of such viruses, destructive materials or any other data or code which is able to corrupt, compromise, jeopardise, disrupt, disable, harm or otherwise impede in any manner the operation or content of a computer system, computer network, any handset or mobile device, or your hardware or software, save where such risks arise due to the gross negligence or wilful misconduct of Ver-Tex Solutions, its employees, agents or authorised representatives. Ver-Tex Solutions thus disclaims all liability for any damage, loss or liability of any nature whatsoever arising out of or in in connection with your access to or use of the Website.

10.1.This Website may contain links or references to other websites ("Third Party Websites") which are outside of our control. These Terms and Conditions do not apply to those Third Party Websites and Ver-Tex Solutions is not responsible for the practices and/or privacy policies of those Third Party Websites or the "cookies" that those sites may use.

10.2.Notwithstanding the fact that the Website may refer to or provide links to Third Party Websites, your use of such Third Party Websites is entirely at your own risk and we are not responsible for any loss, expense, claim or damage, whether direct, indirect or consequential, arising from your use of such Third Party Websites or your reliance on any information contained thereon.

11.1.Ver-Tex Solutions cannot be held liable for any inaccurate information published on the Website, save where such liability arises from the gross negligence or wilful misconduct of Ver-Tex Solutions, its employees, agents or authorised representatives. You are encouraged to contact us to report any possible malfunctions or errors.

11.2.You hereby indemnify Ver-Tex Solutions against any loss, claim or damage which may be suffered by yourself or any third party arising in any way from your use of this website and/or any linked website.

12.1.We will use reasonable endeavours to maintain the availability of the Website, except during scheduled maintenance periods, and are entitled to discontinue providing the Website or any part thereof with or without notice to you.

12.2.Ver-Tex Solutions may in its sole discretion terminate, suspend and modify this Website, with or without notice to you. You agree that Ver-Tex Solutions will not be liable to you in the event that it chooses to suspend, modify or terminate this Website other than for processing any orders made by you prior to such time, to the extent possible.

12.3.If you fail to comply with your obligations under these Terms and Conditions, including any incident involving payment towards the settlement of your account, this may (in our sole discretion with or without notice to you) lead to a suspension and/or termination of your access to the Website without any prejudice to any claims for damages or otherwise that we may have against you.

13.1.These Terms and Conditions and our relationship and/or any dispute arising from or in connection with these Terms and Conditions shall be governed and interpreted in accordance with the laws of the Republic of South Africa.

13.2.Nothing in this clause 14 or the Terms and Conditions limits your right to approach the Council of Debt Collectors or Association or Debt Recovery Agents (ADRA).

14.1.Ver-Tex Solutions hereby selects Leopard Court Building, 74 Jerome Street, Lynnwood Glen, Pretoria, as its address for the service of all formal notices and legal processes in connection with these Terms and Conditions ("legal address"). Ver-Tex Solutions may change this address from time to time by updating these Terms and Conditions.

14.2.Notices must be sent either by hand, prepaid registered post, telefax or email and must be in English. All notices sent – 15.1 by hand will be deemed to have been received on the date of delivery;

14.3.by prepaid registered post, will be deemed to have been received 10 days after the date of posting;

14.4.by telefax before 16h30 on a business day will be deemed to have been received, on the date of successful transmission of the telefax. All telefaxes sent after 16h30 or on a day which is not a business day will be deemed to have been received on the following business day; and

14.5.by email will be deemed to have been on the date indicated in the "Read Receipt" notification. All email communication between you and us must make use of the "Read Receipt" function to serve as proof that an email has been received

15.1.Ver-Tex Solutions may, in its sole discretion, at any time and for any reason and without prior written notice, suspend or terminate the operation of the Website or the user’s right to use the Website or any of its contents subject to us processing any orders then already made by you

15.2.If any term or condition contained herein is declared invalid, the remaining terms and conditions will remain in full force and effect.

15.3.No variation, addition, deletion, or agreed cancellation of the Terms and Conditions will be of any force or effect unless in writing and accepted by or on behalf of the parties hereto.

15.4.No indulgence, extension of time, relaxation or latitude which any party (the "grantor") may show grant or allow to the other (the "grantee") shall constitute a waiver by the grantor of any of the grantor’s rights and the grantor shall not thereby be prejudiced or stopped from exercising any of its rights against the grantee which may have arisen in the past or which might arise in the future.

15.5.These Terms and Conditions contain the whole agreement between you and Ver-Tex Solutions and no other warranty or undertaking is valid, unless contained in this document between the parties.