Please read these terms and conditions carefully as they apply to Your use of the Website, and where We are not responsible for any loss or damage suffered by You due to use of the Website including because you have used or relied on any content or functions made available via the Website. in particular, please pay special attention to the terms in bold

Acceptance

• When You access the ICMS UK Website (‘Website”) or use any of the features and functionalities made available via the Website (collectively, the “Features”) You enter into an agreement with ICMS UK (Registration Number: )), (“ICMS UK”, “We”, “Us”, “Our”,”) on the terms and conditions set out below and referenced herein (collectively the “Terms”).
• We may update the Terms from time to time. The most updated version of the Terms will apply each time that you access and use the Website.
• Unless specifically stated herein, nothing in these Terms overrides or supersedes any other terms and conditions concluded between you and ICMS

Changes to and Suspension of the Website

• We are entitled to make changes to the Website from time to time including updating, adding and removing any Features.
• We may suspend or block access to Website to prevent any unlawful use of the Website, including if We determine in our sole discretion that the Website is being used in breach of any applicable laws.
• We may report any misuse of the Website to relevant law enforcement authorities and co-operate with those authorities in respect of any investigations conducted by them.

Communications That Originate From You

• We may assume that all electronic communications which reasonably appear to originate from You or a person You have told Us is authorised to act on Your behalf are in fact from You and the form in which We receive the communication is the same as when it was first dispatched.

Links To Third Party Websites

• The Website may permit You to link to other websites, services or resources (“Third Party Websites”). When you access Third Party Websites, you do so at your own risk. The Third Party Websites are not under our control, and We are not responsible or liable for the content, functions, accuracy, legality, appropriateness or any other aspect of the Third Party Websites. When visiting Third party Websites  You must refer to their website terms and conditions.
• The inclusion of any link does not imply Our endorsement of or any association with the Third Party Websites. You further acknowledge and agree that We are not liable for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any Third Party Website.

Content And Acceptable Use

• You warrant that –
  • any use of the Content will not cause injury or harm to any person or entity; and
  • You will use the Website for lawful purposes only.
• We have the right but not the obligation to monitor any submitted Content and to remove any Content We deem, in Our sole discretion, to be harmful in anyway.

You may not

• use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, retrieve, index, monitor or copy portions of the Website, or the content contained therein;
• do anything that imposes an unreasonable or disproportionately large load of traffic on the Website, or otherwise interferes with its proper and timely functioning;
• upload, post or otherwise transmit any Content, software or other materials which contain a virus or other harmful or disruptive component;
• post or transfer any Content to the Website that is unlawful or violates any third party’s rights or which is obscene, misleading, inaccurate, defamatory, illegal, in breach of any copyright or other intellectual property right, or damaging to data, software or the performance of Our or any other parties’ computer system;
• reproduce, duplicate, copy, sell, or exploit for any commercial purpose, any portion of the Website;
• copy, modify, adapt, translate, or reverse engineer any portion of the Website;
• reformat or frame any portion of the Website;
• interfere with any other user’s right to privacy, including by harvesting or collecting personal information about users of the Website or posting personal information about a third party;
• use the Website in a manner that would bring Us, or any of our Trustees into disrepute.

 

• Should You breach this clause We may immediately terminate and/or suspend your access to all or parts of the Website, without any further notice to you.

Intellectual Property Rights

• Other than Your Personal Information, which will always belong to you, All content included on this Website, such as text, graphics, logos, buttons, icons, images, photographs, audio clips, databases and software (“the Content”), is the property of ICMS UK or its content suppliers and protected by South African and international copyright laws. Furthermore, the compilation (meaning the collection, arrangement, and assembly) of all Content on this Website is the exclusive property of ICMS UK and is protected by United Kingdom international copyright laws.
• You may not –
  • copy, reproduce, distribute, republish, download, display, post or transmitted in any form or by any means any of the Content;
  • create a hyperlink to the home page of the Website without the prior written consent of the ICMSuk;
  • use any trademarks, names, logos and service marks (collectively, the “Trademarks”) displayed on the Website without Our prior written consent.

Warranties

• Although We will always try to ensure the Website is available, the Website is provided “as is”. Subject to applicable laws, We give no warranties, representations, statements or guarantees (whether express, implied in law or residual) in this regard.
• Subject to the Consumer Protection Act (“CPA”) where applicable, We:
• disclaim all implied warranties of merchantability or fitness for a particular purpose;
• do not warrant that the Website or any Functions will (a) be uninterrupted, timely, secure or error free; (b) meet any particular measure of accuracy, completeness or reliability, performance or quality; (c) be free of viruses or any other data or code which has the ability to corrupt or adversely affect the operation of Your computer, data or network.
• You warrant that You are authorised and legally entitled to access and use the Website and have legal capacity to be bound by the Terms.

Limitation of Liability

• Subject to the CPA, We are not liable for any loss, liability, damage (whether direct, indirect or consequential) or expense of any nature which may be caused by or attributable, directly or indirectly to –
  • the Website;
  • your Use of or reliance on any information posted on or via the Website;
  • Your acts or omissions ;
  • breach by You of the Terms;
  • the fact that We act on Your instructions or instructions purported to emanate from You;
  • any information, data, reports or output that may be viewed, received or generated via the Website

• You must not construe any information We release (including any information contained in any reports or alerts) or any information you obtain through use of the Website as an opinion on your solvency, financial standing or creditworthiness.  You are solely responsible for all actions and decisions you take in reliance on this information

Personal Information

• We will protect and use Your personal information in accordance with Our Privacy Policy [create hyperlink to privacy policy]

Right to Terminate

• BREACH We may terminate your access to the Website in the event of you breaching these Terms.

Jurisdiction

• These terms and conditions shall be governed by and construed in accordance with the laws of the United Kingdom without giving effect to the principles of conflicts of laws.  You consent to the exclusive jurisdiction of the courts of the United Kingdom over any dispute about the Services or the Terms

Events Or Circumstances Beyond Our Control.

• If events or circumstances beyond our reasonable control (“force majeure”) prevent either of us (“affected party”) from fulfilling any of our obligations, those obligations will be suspended to the extent that and for as long as the affected party is so prevented.
• If the force majeure continues for more than fourteen days, the affected party can terminate the Terms by giving notice to the other.
• Force majeure includes an unavoidable natural catastrophe, an uncontrollable accident ,any act of G-d, strike, theft, riots, explosion, insurrection, war (whether declared or not), military operations, the downtime of any external telecommunications line, power failure, international restrictions, any requirement of any international authority, any requirement of any government or other competent local authority or any court order .

Information collected on website

• Information that we collect from you while visiting our website, we may collect and process the below mentioned information about you:
• Why you are visiting our website?
• This involves collecting information about your visits, including the pages you viewed and the resources you accessed. This information encompasses traffic data, communication data, and location data.

Information Voluntarily Shared By You

• Your voluntarily provided data is an essential component of our personalized service, guaranteeing that your data is handled securely in compliance with our privacy policies.

Data That You Provide While You Contact Us

• Your communication with us encompasses sharing essential data and fostering a transparent exchange of information that is treated with utmost confidentiality and in compliance with our privacy standards.
• NOTE: We DO NOT save any payment details, including your financial details, credit card, or bank account details while processing any kind of payment.

Use of cookies

• Cookies provide information regarding the operating system used by a visitor. We may use cookies to gather data about your system so that it can assist us in enhancing our website. By using the cookie feature, we may also collect information about general Internet use. As we said earlier, the information we save will not identify you personally. It’s just statistical data and does not identify any personal details whatsoever. If you don’t want us to save your data, you can adjust the settings on your computer to decline the cookies if you wish.
• Here are some of the cookies that we utilize for different purposes:
• Technical Cookies – These cookies manage functions like logging in, filling out forms, and modifying privacy settings necessary for optimal website functionality. Certain site features may not display and perform properly if your browser is set to block these cookies.
• Customization Cookies – These cookies help us improve website personalization and functionality, whether established by us or third-party providers. If you disable these cookies, some services on our pages might not work as intended, impacting your customized experience.
• Behavioural Advertising Cookies – These cookies are used to build a user profile for targeted advertising on other websites set by our advertising partners. If you reject these cookies, you might see less tailored advertisements when you browse the internet.
• Performance Cookies – These cookies allow us to measure and enhance the performance of our site by tracking the number of visits and traffic sources. If you disable these cookies, it will prevent us from tracking your site visits and improve the website’s performance as a whole.

Use of the Information That We Collect

• We may use the data we collect from you to provide you with our services. Additionally, we may use the information for one or more of the below-mentioned purposes:
• To quickly provide you the glance of information that you requested from us related to our products or services
• To help you provide the information related to other products that may interest you. However, such additional information will only be sent to you if you have consented to receive the information
• To notify you of the changes to our website, services, and products
• We may also send you the information and details of our products or services if you have previously availed any of them
• With your prior consent, we may permit the chosen third parties to use your information to provide details about products and services that may interest you
• You have the option to withdraw your consent at any time

Saving your personal information

• By providing your personal information, you agree to this access. We do our best to ensure that all the required steps are taken to save your data securely. Unfortunately, the information you send online is not fully secure and can be intercepted easily. We cannot guarantee the security of the data sent to us electronically because sending such information is completely at your own risk.

Disclosing your data

• We do not sell, trade, or rent our end-users’ personal or identity information to third parties. We may share the generic aggregated information, which is not related to any personal identification information regarding visitors and users, with our trusted affiliates, business partners, and advertisers for marketing purposes.

Imbibing Third-Party Links or Websites

• Sometimes, we may include links to third parties on the website. And, even though we may provide a link to third parties, that does not mean we endorse or approve our site’s policy towards visitor privacy. It is imperative that users independently evaluate these third-party websites’ privacy policies because they may have different privacy standards. When navigating any external website from our platform, we advise you to use it cautiously and familiarize yourself with its privacy policies.

Embedded Sharing Widgets

• Certain pages might have widgets or embedded share buttons that let you share content with friends on other social networking sites. We advise you to be aware that these social media platforms might use cookies that could allow them to identify you uniquely.
• Amendments to this privacy policy
• We hold the right to update this privacy policy anytime, and any amendments will be reflected by revising the updated date on the page. We encourage users to check the page frequently for any changes so that they can stay informed about the steps we are taking to protect the personal information that we collect. Thus, we consider that you acknowledge and agree that it’s solely your responsibility to check and review the privacy policy frequently and periodically and remain aware of the updates and latest modifications.

General

• If either one of us gives the other an indulgence or extension of time, doing so will not waive or limit any of our rights, unless we expressly agree in writing to waive or limit them.
• We may cede, assign, make over, transfer or encumber any of our rights, title and interest under the Terms, or delegate any of our obligations under the Terms.
• If any of the terms of these Terms are found to be invalid, unlawful or unenforceable such terms will be severable from the remaining terms, which will continue to be valid and enforceable.
• These Terms and Conditions, including any documents referenced herein, represent the entire agreement between you and ICMS UK regarding your use of the Website. Unless specifically stated, nothing in these Terms supersedes or overrides any provision of the Loan Agreement

Your Acceptance of this Policy’s Terms and Conditions

• If you are using our website, you signify your acceptance of this privacy policy. And, if you don’t agree to the policy, please do not use Appinventiv’s site. Your continued use of Appinventiv’s site following the sharing of changes to this privacy policy will be deemed as your acceptance of those updates and changes.

Intelligent Credit Management Services Privacy Policy

• We care about your privacy and personal information.
• This privacy policy is produced by Intelligent Credit Management Services UK (and in this privacy policy “we/us/our” shall be construed as reference to Intelligent Credit Management Services UK as an illustration of our commitment to your privacy. The policy concerns your use of our website, which is located on the World Wide Web at Domain www.icms.io
• Certain parts of Our Website use “cookies” to keep track of your visit and to help you navigate between sections. This enables us to deliver content that is specific to your interests and gives us an idea of which parts of Our Website you are visiting. A cookie is a small data file that certain Websites write into your hard drive when you visit them.
• A cookie file can contain information such as the pages you have visited. This means that your visit will be tracked, but that for all intents and purposes, you remain anonymous. The only personal information we collect is information that you, as a visitor, supply to us willingly.
• Our Website has numerous security measures in place to protect the loss, misuse and alteration of the information under our control, such as passwords and firewalls.
• We cannot, however, guarantee that these measures are, or will remain, adequate. We do, however, take data security very seriously and will use all reasonable endeavours to protect the integrity of the information you provide.
• Our Website may, from time to time, contain various links to other websites. Please be aware that we have no control over the privacy policies operated by such linked sites. We, therefore, accept no liability for the privacy policies of such sites or for the treatment of information provided by you to or on such sites.
• Intelligent Credit Management Services (Pty) Ltd understands that your privacy is important and if you do choose to give us your contact details rest assured you will not be sacrificing your privacy or leaving yourself open to floods of spam mail. Your rights as a consumer will be protected, and we will not give out your details to any third parties. By giving us your details, we will keep you up-to-date with the latest developments from Intelligent Credit Management Services (Pty) Ltd; you are, however, free to unsubscribe from any correspondence by clicking the unsubscribe link that will accompany every mailer. If you wish to edit or remove your information from our database, please contact info@i-cms.co.za.
• I hereby authorise Intelligent Credit Management Services (Pty) Ltd (and any of its affiliate partners and brands within the group) to conduct any enquiry necessary to process my application, including a credit bureau reference check. I agree that Intelligent Credit Management Services (Pty) Ltd or selected third parties may offer me products or services that may interest me via phone, email, mobile or other means and will always include the opportunity to opt out of receiving further offers.
• If you have questions about the information we hold or how we use it, please contact us via email at:
  info@i-cms.co.za

Marketing

• Part of the business of  www.icms.io includes marketing and involves the collection of Personal Information from individuals who may be interested in a specific type of service.
• We use advertising, for example, on social media sites, to attract individuals that may be suited for the business products or services that we provide. We are upfront and open about what we do, and this Privacy Policy sets out how we collect your personal data, what we do with it, how we handle it, how we keep it safe, and how long we store it for. We believe that transparency is important, and we strive to do our best to protect your personal information in accordance with this Privacy Policy.
• Definitions
• When we talk about ‘us’, we mean www.icms.io. We are the operator of this website. When we talk about ‘you’, we mean the person using this website or services of this website or participating in any surveys, questionnaires or quizzes produced by this website.
• ‘Personal data’ or ‘personal information’ is information that directly identifies you, such as your name and email address, or data that could be used, on its own or in combination with other data, to identify you.
• It is very important to us to protect your personal data and to use it strictly in adherence with applicable privacy and data protection laws.
  Staying anonymous
• You can browse our website anonymously, although cookies may be collected. You will not be able to access surveys or questionnaires anonymously.

Cookies

• We may also use ‘cookies’ on our website to provide a way for the website to recognise you and keep a track of your preferences and to enable you to contact us directly from the website. Cookies may also be used to optimise website speed for your convenience, to allow you to customise our web pages, and so that you do not have to keep filling in your details repeatedly. We may collect information about your IP address and how you used our site.
• That data collected by cookies does not usually identify you, but may be combined with other information to identify you. If we identify you using information from cookies, we may use that information to track how you use our website and send you information more specific to your needs or to invite you to purchase one of our services.
• Use of data
• It allows us to align our products and services as closely as possible to your needs and situation. We may then contact you to offer or market our services to you.
• We process and treat your personal data in accordance with this privacy policy.
• We may also process your usage data (your IP address, geographical location, the manner in which you used our site, etc) for our legitimate business purpose of monitoring and improving our website.
• We will also disclose your personal data where legally compelled to do so.
• Storage and disclosure of information
• The personal data you provide to us is stored privately with strict security to ensure data protection, integrity, and confidentiality. While we do our best to ensure the security of your data, no storage is 100% secure, and we cannot guarantee the safety of your data.
• Data is deleted from our storage every 90 days. This means, that if we have collected your personal data, we will delete it within 91 days.
• Collection of data of minors
• We do not intend to collect the personal data of persons under the age of 13. If you are the guardian of a minor and suspect they may have provided us with their personal information, please contact us and request to have the minor’s personal information destroyed (use the contact information in the schedule below).
• Data rights
• At your request, we will tell you what personal data about you is being processed, on what basis, and by whom. If you decide your data should not be processed for one or more purposes, you may withdraw your consent from using your data in that way. Please note that we will action your request as soon as practically possible however such a request will not take effect immediately and you may still be contacted in the meantime.
• You may amend inaccurate, incomplete, or outdated personal data at any time by applying directly to us using the contact information listed under the “Contact us” section below.
• You may also request that all personal data we have collected about you be deleted from our records and erased from information stored by any third-party organisation processing data on our behalf.
• If data we have collected about you is processed using automated means, you have the right to receive that data in a structured, machine-readable format and to transmit it to another data controller without hindrance.

Contact us

• Please let us know if you have any requests, feedback, or concerns regarding the way we manage your personal data. Use the contact details listed in the below schedule. We will respond to you within 7 days and act, within reason, as quickly as possible.
• If you are not happy with how we manage your concerns, you can contact your local data protection supervisory office, which in the RSA is the Information Office Commissioner.
• Changes to this Privacy Notice
• It is important to us that our privacy notice is regularly reviewed, and we will do so to keep it relevant and up to date with changing laws. We will notify you of any changes by posting the new policy on this page. This privacy policy was last updated on 20 September 2023.
• Our contact details
• If you have questions about your information we hold or how we use it, please contact us via email at:
  info@i-cms.co.uk