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Please read these Terms and Conditions carefully.

By using the NATIONALDEBTCOUNSELLORS.CO.ZA website (the “Site”), you have signified your acceptance of these Terms and Conditions and consent to being bound thereby.
If you do not wish to be bound by these Terms and Conditions, you must immediately log off the Site and you may not access, display, use, download, and/ or otherwise copy or distribute content obtained from the Site.
The Site is intended to provide you with information regarding NDC National Debt Counsellors (Pty) Ltd products, services and the products and services of its third party affiliates.
1. GENERAL
1.1. The headings of the clauses herein is provided for your convenience and ease of reference only and will not be used to interpret, modify or amplify the Terms and Conditions.
1.2. No failure or delay by NDC National Debt Counsellors (Pty) Ltd to exercise any of its rights will be construed as a waiver of any such right, whether this is done expressly or implied, nor will it affect the validity of any part these Terms and Conditions or prejudice NDC National Debt Counsellors (Pty) Ltd right to take subsequent action against you.
1.3. Despite continued endeavours to do so, NDC National Debt Counsellors (Pty) Ltd cannot screen or edit all the content available on the NDC National Debt Counsellors (Pty) Ltd Site and does not accept any liability for illegal, defamatory or obscene content found on the Site. You are encouraged to inform NDC National Debt Counsellors (Pty) Ltd of any content that may be offensive or illegal.
1.4. NDC National Debt Counsellors (Pty) Ltd reserves the right to change the Terms and Conditions from time to time without notice. Your continued use of the Site after any such changes constitutes your acceptance of the new terms contained herein. Furthermore, these Terms and Conditions apply exclusively to your access to and use of the Site and do not alter in any way the terms and conditions or of any other agreement you may have with NDC National Debt Counsellors (Pty) Ltd for the purchase of NDC National Debt Counsellors (Pty) Ltd products or for any other purpose whatsoever.
2. PRIVACY STATEMENT
NDC National Debt Counsellors (Pty) Ltd believes strongly in protecting your privacy. Therefore, we have created a separate policy for privacy. Please refer to our Privacy Policy for information about how NDC National Debt Counsellors (Pty) Ltd uses and collects information.

3. COPYRIGHT
All copyright vests in NDC National Debt Counsellors (Pty) Ltd, who are the authors of all content contained herein. To obtain permission for the commercial use of any content on the Site contact NDC National Debt Counsellors (Pty) Ltd, at email admin@nationaldebtcounsellors.co.za

4. INTELLECTUAL PROPERTY RIGHTS
All the content, trademarks and data on the Site, including but not limited to, software, databases, text, graphics, icons, hyperlinks, private information, designs and agreements, are the property of or are licensed to NDC National Debt Counsellors (Pty) Ltd and as such are protected from infringement by local and international legislation and treaties.
5. SITE ACCESS
5.1. NDC National Debt Counsellors (Pty) Ltd grants to you, subject to the further terms of these Terms and Conditions, a non-exclusive, non-transferable, limited revocable right to access, display, use, download and otherwise copy the content contained on the Site for personal, non-commercial and information purposes only.
5.2 The Site and the content therein may not be reproduced, duplicated, copied, resold, visited or otherwise exploited for any commercial purpose without the express prior written consent of NDC National Debt Counsellors (Pty) Ltd.
5.3 NDC National Debt Counsellors (Pty) Ltd does not allow you to collect product or service listing descriptions or other information displayed in the Site and does not allow any derivative use of the Site or the content therein for the benefit of another merchant.
5.4 You may not link or frame the Site or any content therein to another website or document without the express written consent of NDC National Debt Counsellors (Pty) Ltd.
5.5 NDC National Debt Counsellors (Pty) Ltd reserves the right to refuse services, terminate accounts, remove or edit content or cancel orders in its sole discretion.
5.6 Your account may be terminated or your access to the Site blocked if you use the Site in an unauthorized manner.

6. YOUR ACCESS TO THE SITE
In using the Site, you agree:
6.1. Not to disrupt or interfere with the security of, or otherwise abuse, the Site, or any of the services, system resources, accounts, servers or networks connected to or accessible through the Site or affiliated or linked Web sites;
6.2. Not to disrupt or interfere with any other user’s enjoyment of the Site or affiliated or linked Web sites;
6.3. Not to upload, post or otherwise transmit through or on the Site any viruses or other harmful, disruptive or destructive files;
6.4. Not to transmit through or on the Site, spam, chain letters, junk mail or any other type of unsolicited mass e-mail to people or entities who have not agreed to be part of such mailings;
6.5. Not to attempt to obtain unauthorized access to the Site or portions of the Site that are restricted from general access;
6.6. Not use the Site in such a way which is in violation of any applicable law or regulation;
6.7. Not to violate or attempt to violate the security of NDC National Debt Counsellors (Pty) Ltd. Violations of system or network security may result in civil or criminal liability. NDC National Debt Counsellors (Pty) Ltd will investigate occurrences which may involve such violations and may involve, and co-operate with, law enforcement authorities in prosecuting users of the Site who are involved in such violations.
6.8 That you are solely responsible for actions and communications undertaken or transmitted under your account, and that you will comply with all applicable local, national and international laws and regulations.

7 INDEMNIFICATION
7.1 You shall remain solely liable for the content of any messages or other information that you upload from or transmit to NDC National Debt Counsellors (Pty) Ltd.
7.2 You agree to indemnify and hold harmless NDC National Debt Counsellors (Pty) Ltd from any claim, action, demand, loss or damages (including attorneys’ fees) made or incurred by any third party arising out of or relating to your conduct, your violation of these Terms and Conditions, or your violation of any rights of a third party.

8 SUBMISSIONS
8.1 You agree that any materials, including but not limited to questions, comments, suggestions, ideas, or other information, provided by you in the form of an e-mail as submissions made to NDC National Debt Counsellors (Pty) Ltd, or postings on the Site, are non-confidential and shall become the sole property of NDC National Debt Counsellors (Pty) Ltd. NDC National Debt Counsellors (Pty) Ltd shall own the exclusive rights therein, including all intellectual property rights, and shall be entitled to the unrestricted use of these materials for any purpose, commercial or otherwise, without requiring your acknowledgment or consent or paying compensation to you. The submission of any materials to NDC National Debt Counsellors (Pty) Ltdirrevocably waives any and all “moral rights” in such materials, including the rights of paternity and integrity.

9 LINKS TO THIRD PARTY WEBSITES
The NATIONALDEBTCOUNSELLORS.CO.ZA site contains links to other sites. The links are meant to enable access to publicly available information to those who are allowed to the NATIONALDEBTCOUNSELLORS.CO.ZA site only. NDC National Debt Counsellors (Pty) Ltd makes no representations whatsoever about any other Web site which you may access through the NATIONALDEBTCOUNSELLORS.CO.ZA site. When you leave the NATIONALDEBTCOUNSELLORS.CO.ZA site, please understand that NDC National Debt Counsellors (Pty) Ltd has no control over the content on that Web site. In addition, a link to a non-NATIONALDEBTCOUNSELLORS.CO.ZA Web site does not imply and does not constitute sponsorship, endorsement, approval or responsibility for the content, or the use of such third-party Web site. NDC National Debt Counsellors (Pty) Ltd makes no representation or warranty as to any third-party products or services. No rights to use or copy the information on this or the third-party site are granted or implied.

10 E-MAIL DISCLAIMER
10.1 The information in all e-mail messages (document and attachments) sent by an employee / electronic agent / a member of NDC National Debt Counsellors (Pty) Ltd is confidential and may be legally privileged. The information transmitted is intended only for the person(s) or entity to which it is addressed. If you are not the intended recipient(s), please notify the sender immediately and then delete this e-mail (document and attachments). Do not disclose the contents of this e-mail (document and attachments) to any other person, nor make any copies thereof.
10.2 Internet communications cannot be guaranteed to be secure or error-free. Neither NDC National Debt Counsellors (Pty) Ltd nor the sender accepts liability for any errors or omissions in the contents of this message which arise as a result of e-mail transmission. If verification is required, please request a hard copy version of the communication. Also take notice that the e-mail can possibly contain viruses and that the recipient is responsible for checking and deleting such viruses. In no event will NDC National Debt Counsellors (Pty) Ltd or the sender be liable to anyone for any indirect, special, consequential or direct damages arising from this document and attachments or any use thereof.

11. CHOICE OF LAW
11.1 The Site is controlled, operated and administered by NDC National Debt Counsellors (Pty) Ltd from its offices as set out below within the Republic of South Africa.
11.2 Access to the Site from territories or countries where the content within the Site is illegal is prohibited.
11.3 You may not use the Site in violation of South Africa export laws and regulations.
11.4 These Terms and Conditions shall be governed by the laws of South Africa, and you consent to the jurisdiction of the Kwazulu-Natal High Court (Pietermaritzburg Local Division) in the event of any dispute.
11.5 If any of the provisions of these Terms and Conditions are found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible so to give effect to the intent of these Terms and Conditions, and the remainder of these Terms and Conditions shall conditions constitute the entire agreement between NDC National Debt Counsellors (Pty) Ltd and yourself with regards to the use of the content and the Site.

12. LIMITATION OF LIABILITY
NDC National Debt Counsellors (Pty) Ltd will not be liable to you for any claims, actions, damage or loss caused by your use of the Site, or your use of the goods markets thereon, or for any violation of the terms and conditions contained on the Site in any manner whatsoever.

13. ENTIRE AGREEMENT
The Terms and Conditions contained herein constitute the sole record of the agreement between you and NDC National Debt Counsellors (Pty) Ltd in regard to the subject matter thereof and supersedes, overrides and replaces all prior agreements.
Neither party shall be bound by any express or implied term, representation, warranty, promise or the like not recorded herein.

14. CONTACT DETAILS
In the event that you need to contact NDC National Debt Counsellors (Pty) Ltd in regard to these Terms and Conditions please use the following contact details:
Email: admin@nationaldebtcounsellors.co.za
15. DOMICILIUM
NDC National Debt Counsellors (Pty) Ltd chooses as its domicilium citandi et executandi for all purposes under the website, including in the giving of any notice, the payment of any sum, the serving of any process, as follows:

1 Old Main Rd
Umhlali
4390