This is the official Privacy Policy of the South African Institute of Professional Accountants (hereinafter referred to as SAIPA) who is the registered owner and copyright holder of the web domain "saipa.co.za". From time to time, we may change this Privacy Statement. For example, as we update and improve our service, new features may require modifications to the Privacy Policy. If you use this website or any of the services or facilities offered by SAIPA after SAIPA has displayed a change to this privacy policy, you will be deemed to have agreed to the change.

SAIPA believes that privacy is important to the success and use of the Internet. This statement sets forth SAIPA's Privacy Policy and describes the practices that SAIPA will follow with respect to the privacy of users of this site and all your personal information in our possession. We value the information that you choose to provide us with and will therefore take reasonable steps to protect your personal information from loss, misuse or unauthorised alteration. The information we maintain concerning our members is stored in databases that have built-in safeguards to ensure the privacy and confidentiality of that information.

What is Personal Information?

Personal information refers to information that identifies or relates specifically to you, for example, your name, age and identity number, your assets and liabilities, your income and your payment records. Any information about what you buy, where you shop, where you bank, how you invest and all related information will also be regarded as personal information. In short, any information that we know about you will be regarded as your personal information. Personal information is further defined in the Electronic Communications and Transactions Act 25 of 2002.

Why and How we collect and use Personal Information

In order to make your use of this website helpful, valuable and as pleasant as possible, it is necessary for us to find out exactly what you need from us. The following are reasons (i.e. disclosed reasons) why we would collect your personal information:

• in order for us to process your instructions or requests;
• in order for us to ensure that we meet your needs, we may collect and analyse your personal information and, with your express consent, combine all the information that we have about you to compile a profile of you in order for us to personalise and tailor our services to meet your specific needs;
• once we have collected and analysed your personal information, we may send you promotional material or details which we think may be of interest to you. We will however, only send you this promotional information with your express consent. If any of this promotional information relates to products, promotions, news or services of an affiliate party, and if you indicate that you would like more details, we may inform the affiliate party to contact you directly. We will however, only inform an affiliate party to contact you directly if you have indicated that this is agreeable to you.
• In order to ensure that SAIPA always meet your needs, we will use your personal information in any way that we think necessary to assist or benefit you.
• SAIPA will also use your personal information in the ordinary course of its business.
• SAIPA may also use your personal information for service updates and to notify you of new features or changes that may be made to this website.
• SAIPA may utilise the contact information you provided at registration, such as your telephone number and e-mail address, to contact you regarding account status, changes to the terms and conditions, and to confirm registration.
• Your privacy is important to us. SAIPA will therefore not sell, rent or provide your personal information to unauthorised entities or to third parties for their independent use without your consent. SAIPA will, however, share your personal information with business partners. Should SAIPA pass your personal information on to others, SAIPA will disclose the provisions of this privacy policy. Inform SAIPA if you no longer wish us to disclose your information in this way.
• SAIPA will always strive to make everything it does lawful and legitimate. Therefore, SAIPA will release your personal information to a party if it is required by law or by a court to do so or in the event that it is necessary to prevent or lessen any unlawful or harmful actions and to protect and defend legitimate business interests, rights or property of SAIPA.
• SAIPA will always ask for your permission before it uses your personal information for any purpose not disclosed above.
• Upon your request SAIPA will provide you with its records of the personal information you gave us at registration provided that sufficient identification is forthcoming.
• If you ever want to update or correct any of your personal information as held by SAIPA, kindly contact us at membership@saipa.co.za.
• SAIPA is not responsible for the content or the privacy policies of website to which it may link. This policy applies solely to information collected by SAIPA.

Personal information held by or disclosed by you to third parties

• If you disclose any personal information to a third party, such as one of our business partners or anyone other than SAIPA, you must be aware that SAIPA does not regulate or control how that third party uses your personal information. You should always ensure that you read the privacy policy of any third party.
• SAIPA is not responsible for any representations or information or warranties or content on any website of any third party (including websites linked to this website). SAIPA does not exercise control over third parties' privacy policies and you should refer to the privacy policy of any third party to see how such party protects your privacy.

Cookies

We use cookies to identify you when you visit the Site and to build up a demographic profile. "Cookie" refers to information which is sent from this website to your hard drive, where it is saved. In this way, the next time you use this website SAIPA will know who you are and that you have visited this website before.

Which laws apply

This privacy policy will be governed by the laws of South Africa. You consent to the jurisdiction of the South African courts for any dispute which may arise out of this privacy policy.

1. Acceptance

   The South African Institute of Professional Accountants and its affiliates (collectively "SAIPA") authorises you to use this website subject to the terms and conditions below ("the Terms and Conditions"). By using this website in any way, you shall be deemed to have read and accepted all the Terms and Conditions in full. Should you disagree with any of these Terms and Conditions, you must immediately terminate your use of this site.

2. Use of material

   1. Unless otherwise noted all materials, including images, illustrations, designs, icons, photographs, video clips and written and other materials ("materials") that are part of the SAIPA website are copyrights, trade marks, trade dress and/or other intellectual properties owned, controlled or licensed by SAIPA. All copyrights, trademarks and intellectual property rights on the SAIPA Website belong to SAIPA and may not be used except where SAIPA's grants such permission. You may not, other than for personal and non-commercial use, "mirror" or cache information provided via this website on your own server, or copy, adapt, modify or re-use the text or graphics from this website without prior written permission from SAIPA.

   2. The public is granted nonexclusive, non-transferable, limited license to view and use information retrieved from the SAIPA website, as long as it is solely for personal informational, non-copied, republished, transmitted or reproduced in form whatsoever except where stated in this terms and conditions statement or where permission has been granted by SAIPA. If links to this website are provided, such links must be to the SAIPA homepage. The site may not be linked so as to imply endorsement of any product or service by SAIPA, and links must be discontinued by any responsible person if so requested by SAIPA for any reason.

   3. You may not use the SAIPA logo and name as part of your business or in connection with any goods or services you provide without SAIPA's prior written consent.

   4. You may not use this website to obtain or distribute:

      1. copyrighted material or material protected by laws relating to intellectual property rights without the permission of the owner of the intellectual property rights in such material;

      2. material containing viruses or any other destructive materials or data or code which is able to corrupt, interfere with, jeopardise, disrupt, disable, harm or otherwise impede in any manner the operation of a computer system or hardware or software;

      3. material which is defamatory, unlawful or contains hate speech; or

      4. bulk e-mail, whether solicited or unsolicited.

   5. You are strictly forbidden from using any robot, spider, or other automatic device, or manual process to monitor or copy our web pages or the content contained herein.

   6. You must not interfere with or jeopardise the functionality or the operation of any part of this website or attempt to interfere with or jeopardise, disrupt, disable, harm or otherwise impede in any manner the functionality or operation of any part of this website.

   7. You are strictly prohibited from using this website for "spoofing", "hacking", "flaming", "cracking" or "spamming".

3. Information on this website is not advice and should not be relied on by you.

1. The material contained on this website is for information only and does not constitute advice or a recommendation of any nature.

2. SAIPA has used reasonable effort in creating, preparing and providing quality information and material, but does not warrant or guarantee the accuracy, completeness, adequacy or currency of the information contained in or linked to this website or any site or website. By using the information from the SAIPA website or any link to any other website you do so at your own risk.

3. You acknowledge that any assessment or reflection of the performance of SAIPA or any other third party does not mean that such performance will be repeated or should be relied upon in any way.

4. Any reference SAIPA makes to any specific commercial product service or process, (or provider of such product, process or service), by trade name, trade mark, hyperlink or otherwise, does not constitute or imply an endorsement or recommendation by SAIPA.

5. Content on the SAIPA website may be provided by third parties and users. Any opinions, advice, statements, services, office or other information expressed or made available by a third party, including information providers, users or others are those of the respective author(s) or distributor(s) and do not necessarily state or reflect those of SAIPA.

4. Change of material

1. Any views or statements made or expressed on this website are not necessarily the views of SAIPA, affiliates, employees, servants and/or agents.

2. Any of the information on this website may be changed by SAIPA without notice.

3. SAIPA reserves the right, at its discretion, to change, modify, add or remove portions of these Terms and Conditions at any time. Please check these terms periodically for changes. Your continued use of the SAIPA website following the posting of changes to these Terms and Conditions will mean you accept those changes.

5. Disclaimers

1. Although every effort has been made by SAIPA to ensure the proper performance of this website, SAIPA expressly disclaims all warranties, including the warranties of merchantability, and fitness for a particular purpose, all responsibility for any loss, injury, claim, liability or damage of any kind resulting from, arising out of, or any way related to any errors in or omissions from this site and its content, including but not limited to technical inaccuracies and typographical errors; any other websites or content therein directly or indirectly accessed through links in this site; and any unavailability of this site or any portion thereof. SAIPA shall not be liable for any direct, indirect, incidental, special or consequential damages of any kind whatsoever.

2. Any person who relies on this website or on the information contained in this website does so at her own risk.

3. SAIPA does not warrant or make any representations regarding the results of the use of the materials in the SAIPA website in terms of their correctness, liability or otherwise.

4. SAIPA also makes no warranty or representation, whether express or implied, that the information or files available on this website are free of 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 of a computer system, computer network or your hardware or software.

5. 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 or your hardware or software, is accepted by you.

6. You will assume the entire cost of necessary, servicing, repair or correction.

7. SAIPA disclaims all warranties, express or implied, including without limitation, implied warranties or merchantability and fitness for a particular purpose, to the fullest extent permissible pursuant to applicable law, .

6. Exclusion of liability and Indemnity

1. SAIPA, its affiliates, subsidiaries, employees, service providers and agents shall in no way be liable for any direct, indirect, incidental, special or consequential loss or damages which might arise from the use of, or reliance upon, any material or content contained in the website or any linked websites, even if SAIPA has been advised of the possibility of such loss, expense, claim or damages.

2. You hereby indemnify SAIPA, its affiliates, subsidiaries, employees, service providers and agents against any loss, claim or damage which may be suffered by them or any third party arising in any way from your use of this website.

7. Intellectual Property Rights

1. The contents of this website, including (without limitation) any software, icons, text, links, graphics, images, illustrations, designs, photographs, video clips, sound clips, button icons, advertisements, lay out, arrangements, graphical user interface, look and feel, control features, trade names, logos, trade marks and service marks are protected by law, including but not limited to copyright, patent and trade mark law, and are the property of SAIPA and/or are licensed to SAIPA.

2. Any unauthorised alteration, modification, copying, reproducing, republishing, framing, uploading to third parties, transmitting, distributing or using the contents, information or materials on this website, except as expressly provided in these Terms and Conditions or applicable intellectual property laws, is rigorously prohibited.

8. Refund Policy

1. SAIPA is a membership-based Institute and all payments made to SAIPA are in the form of membership fees, CPD Seminar registrations and Profession Evaluation (PE) registrations.

2. A refund will only be payable in the following circumstances:

   1. Where an applicant has not met the required academic and/or practical qualifications necessary to write the PE.

   2. Where a person has notified SAIPA at least 48 hours prior to the actual date of a CPD seminar in writing, of cancellation of such CPD registration.

   3. Where a CPD Seminar has been cancelled by SAIPA.

3. Refunds are not payable on Membership Fees i.e. application, entrance and/or annual fees as applicable to full or associate members of SAIPA.

9. Links to and from this website

1. This Site does contain links that will let you access other Web sites that are not under the control of SAIPA. SAIPA assumes no responsibility or liability for any material that may be accessed on other Web sites reached through this Site, nor does SAIPA make any representation regarding the quality of any product or service contained at any such site. Any concerns regarding any such service or resource, or any link thereto, should be directed to the particular service or resource.

2. SAIPA, its affiliates, subsidiaries, employees, service providers and/or agents do not endorse and are not responsible or liable for the contents, maintenance of, or activities conducted on, any website to which this website provides a link.

3. Any use of other such websites is entirely at your own risk and SAIPA is not responsible for any loss, expense, claim or damage, whether direct, indirect or consequential, arising from your use of such other websites or your reliance on any information contained in such other websites.

4. You are not permitted to link or "deep link" to this website or to "frame" any part of this website, without the written permission of SAIPA.

10. Member Account

If you register as a SAIPA user, you will be assigned a username and password that is unique to you. You are responsible for maintaining the confidentiality of the username and password, and responsible for all activities that occur under your username and password. You agree to notify SAIPA of any unauthorised use of your username and password or any other breach of security.

11. E-mail and public communication

1. "Medium" means letters, e-mails or other types of communications to the editors, Webmaster(s) or employees of SAIPA, and messages posted in connection with the SAIPA discussion forum. You shall not upload to, distribute through, or otherwise publish through a Medium on this website or any other website any content which is libelous, defamatory, obscene, pornographic, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable that would constitute or encourage a criminal offence, violate the rights of any party, or that would otherwise give rise to liability or violates any law.

2. The Mediums shall be used only in a non-commercial manner. You shall not, without SAIPA's express approval, distribute or otherwise publish any material containing any solicitation of funds, promotion, advertising, or solicitation for goods or services. You specifically acknowledge that soliciting other guests of the SAIPA website to join or become members of any commercial online or offline service or other organisation is expressly prohibited.

3. Therefore, subject to the terms of the law, in general, we will not monitor or edit or disclose the contents of Medium materials unless required in the course of normal maintenance of the SAIPA website and its systems or unless required to do so by law or in the good-faith belief that such action is necessary to:

   1. comply with the law;

   2. protect and defend the legitimate business interests, rights or property of SAIPA, it's users, advertisers, customers, sponsors, advertisers or affiliates;

   3. in an emergency to protect the personal safety of our guests or the public.

4. Users shall remain solely responsible for the content of their communications. SAIPA has the right but not the obligation to monitor and edit or remove any Medium communications and content.

5. By uploading materials to any Medium or submitting any materials to us, you automatically grant (or warrant that the owner of such rights has expressly granted) us a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from and distribute such materials or incorporate such materials into any form or technology now known or later developed throughout the universe.

12. Privacy policy

    Registration data and certain other demographic information about you are subject to SAIPA's privacy policy. For more information, see SAIPA's full privacy policy, which is incorporated in full herein by this reference.

13. Termination

1. SAIPA shall terminate the Terms and Conditions immediately without notice if, within SAIPA's sole discretion, you fail to comply with any term or provision of the Terms and Conditions.

2. Upon termination, you must destroy all materials obtained from the SAIPA website and all copies thereof, whether made under these Terms and Conditions or otherwise.

3. SAIPA may take such further action as SAIPA may determine to be appropriate under the circumstances to eliminate or preclude repeat violations, and SAIPA shall not be liable for any damages of any nature suffered by any customer, member, user or any third party resulting in whole or in part from SAIPA's exercise of its rights under these Terms and Conditions.

14. Jurisdiction

    The terms and conditions that have been set forth shall be governed and construed in accordance with the laws of South Africa and any disputes arising shall be exclusively subject to the jurisdiction of the courts of South Africa as they apply to agreements made and solely performed therein.

15. Severability

    If any one or more of the provisions of these Terms and Conditions should be held to be invalid or unenforceable, the validity and enforceability of all the other provisions of these Terms and Conditions will not be affected thereby and shall continue in full force and affect.