privacy policy
Website user policy

The use of the Unigrain website (hereinafter referred to as "this website" or "the website") is subject to the terms and conditions as set out below. It is important that the user reads and understands the terms and conditions applicable to the Unigrain website.

These terms and conditions become effective when the user accesses the website for the first time and constitute a binding agreement between Unigrain (Pty) Ltd and the user. If you do not agree to these terms and conditions you must leave the Unigrain website now, as further use will automatically bind you to these terms and conditions.

All information on this website is intended to provide the user with general information about Unigrain, its products and services. All information regarding the products and services, including information in respect of the terms and conditions, interest rates or any other matters, is subject to change without notice. This website and all information provided on this website, as well as services provided on this website, are provided voetstoots. The information provided on this website should not be regarded as professional advice of any nature and no warranties in this regard are given.

No person may frame the Unigrain website, in any manner whatsoever, without the prior written consent of Unigrain.

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

Unigrain may amend these conditions from time to time without notice to the user. By accessing this website, the users are bound to a version of the terms and conditions published at the time of any visit to this website. The user agrees to review the current version each time that this website is visited. The current version of these conditions will govern the respective rights and obligations of Unigrain and the user each time the user accesses this website.

This website may contain certain images and links to other third party websites ("linked websites"), with information and material produced by other parties. The linked websites are not under the control of Unigrain and Unigrain is not responsible for the contents of any linked website, including without limitation any link contained in a linked website, or any changes or updates to a linked website.

Unigrain is not responsible for any form of transmission from a linked website and is also not responsible if the linked website is not working properly.

Unigrain provides these links for convenience's sake only and any links do not imply endorsement by Unigrain of this website, its business or security practices or any association with the operators of such website.

This website contains copy right and other intellectual property, including logos and other graphics and multimedia works belonging to Unigrain.

The user is authorised to view and download one copy to a local hard drive or disk, print and make copies of such print-outs, provided that:

The material is used for online services and no other commercial purposes.

Any reproduction of the proprietary material from this website or portion thereof, must include Unigrain's copyright notice in its entirety.

The logos and trade mark shown on this website, are Unigrain’s registered and unregistered trademarks, and not that of third parties.

Nothing on this website should be construed as granting any license or right to use any trade mark without Unigrain’s written permission and/or that of third parties, as the case may be. The user may not, without Unigrain’s written consent, use Unigrain’s intellectual property or that of third parties for any purpose whatsoever.

Information transmitted through an unsecured link over the Internet, including e-mail, is subject to potential unlawful access or monitoring. Unigrain has taken certain measures to limit the risks in this regard. The user accepts that Unigrain cannot be held liable for any loss or damage suffered by the user as a result of unlawful activities by unscrupulous persons, as Unigrain cannot prevent such behaviour. Unigrain may request independent verification of any information transmitted by the user through the website or e-mail from time to time, to limit these risks.

All the information appearing on this website is provided without a representation or warranty whatsoever, whether expressed or implied, and Unigrain deny any liability towards the user in this regard. Unigrain makes no representation or warranties regarding the accuracy, functionality, fitness for purpose or infringement in connection with this website and disclaims any liability in this regard. Unigrain does not warrant that the website or online services will be error-free.

Unigrain has taken reasonable steps as far as possible to ensure the accuracy and completeness of the contents shown on this website, to ensure that the user doesn't suffer any loss or damage as a result of the use of this website. Use of this website and the online services is entirely at the user's own risk. The user assumes full responsibility for the loss resulting from the use of this website and the user's reliance on information contained on it. In no event will Unigrain be liable for any damages whatsoever, direct, indirect, special, incidental, or consequential relating to the user's use of this website or the online services or the information contained on this website or the user's inability to use this website or the online services, whether such damages arose out of contract, or delict or otherwise and regardless of whether Unigrain was expressly advised of the possibility of such loss or damage.

Without derogating from the generality of the above and to the extent legally permitted, Unigrain shall not be liable for:

Any interruption, malfunction, downtime, offline situation or other failure of the website or online services, Unigrain’s system, data bases or any of its components, beyond Unigrain's reasonable control;

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

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 telecommunication service providers, Internet service providers, electricity suppliers, local authorities and certification authorities, or any event over which Unigrain has no direct control.

The user hereby warrants to Unigrain that the user has the required legal capacity to enter into and be bound by these terms and conditions. Minors must be assisted by their legal guardians when reading these terms and conditions.

The user shall be liable to Unigrain for any damages, costs or expenses incurred by Unigrain as a result of any breach by the user of these terms and conditions.

Unigrain may impose limits or conditions on the right to certain services, features or functions on this website, or restrict access to parts or all of the services on this website, and modify, suspend or discontinue this website, whether temporarily or permanently, without notice.

The terms and conditions pertaining to any products or services appearing on this website shall be governed and interpreted in accordance with the laws of the Republic of South Africa and application for any of the products or services offered on this website or pages will constitute the user's consent and submission to the jurisdiction of the South African courts regarding all proceedings, transactions, applications or the like instituted by either party against the other, arising from any of the terms and conditions pertaining to this website or such products or services.

No failure or delay by Unigrain to exercise any of Unigrain’s 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 of these terms and conditions or prejudice Unigrain’s right to take subsequent action against the user.

If any of these terms and conditions are held to be invalid, unlawful or unenforceable, the term or condition will be deleted from the remaining terms and conditions, which will continue to be valid to the full extent permitted by the law.

Whilst Unigrain makes all reasonable attempts to ensure that the information and/or data contained in this website was obtained from reliable sources, Unigrain shall not be responsible for any mistakes, representations or omissions or the results obtained due to the use of such information;

Unigrain and/or its employees and/or agents shall provide no guarantees or representations of any nature whatsoever, express or implied in respect of the operation of this website, the information contained therein, the contents thereof, the goods and services advertised on this website or in respect of any other information and/or websites which are or may become accessible via the Unigrain website.

Unigrain and/or its employees and/or agents shall not be responsible for any damage and/or losses suffered, of whatever nature, due to the use of this website or due to the use of any information and/or data contained in this website or any other information and/or data which are or may become accessible via this website.

Unigrain accepts no responsibility or liability for the use, directly or indirectly, the operation and/or correctness of the information of any web links on the Unigrain website.

Unigrain is the owner or rightful or authorised user of all information and/or data contained in this website and reserves all copyright.

The total contents of this website, including the text, graphic designs, logos and trademarks are the property of Unigrain and are protected by the South African and international intellectual property law.

Unigrain recognizes its obligation to respect and protect the confidentiality of your personal, business and financial information. Customer privacy is an important issue, both to you and Unigrain. That is why Unigrain has developed the Unigrain privacy code, which governs the behaviour of Unigrain employees and suppliers with regard to accuracy and security of all your information.

Should Unigrain make any amendments to its privacy policy, these amendments will be published on this page to enable you to always be aware of the information gathered and how it is used.

Customer information refers to the information applicable to a customer, whether the customer is an individual or a business. The information includes details such as name, age, identity number, assets, liabilities, income, payment records and membership number.

Unigrain uses this information to service your account, to bring to your attention details of our other services and products, which may be of benefit to you, and to help learn more about the financial services you may be interested in. The more we know the better we can serve you.

Our privacy code governs the behaviour of employees and suppliers with regard to accuracy, confidentiality and security of all customers' information.

Unigrain will not collect information without your prior consent.

The choice to provide Unigrain with financial information is always yours.

In financial dealings, withholding certain details may limit the service Unigrain is able to provide.

Consent to collect information can be expressed (for example signing an agreement) or implied (if you are given an opportunity to opt out of a specific form of information sharing, but choose not to do so, you imply that you choose to share this information with Unigrain).

The type of information you will be asked to provide will vary according to the service or services you require.

Most of the information Unigrain obtains concerning its customers is stored in databases that have built-in safe-guards to ensure the privacy and confidentiality of that information.

Except as outlined in sharing customer information, Unigrain will never sell or otherwise make available customer information to other organisations or parties other than for exceptional cases as outlined in sharing customer information. As a condition of employment, employees who have access to customer information are required to abide by the privacy standards of Unigrain.

Unigrain is made up of different divisions. By sharing information about your accounts among our different divisions, we can serve you more efficiently. Other companies routinely contact Unigrain for credit and financial information about customers. Unigrain will, however, only share your personal information if you have granted the necessary consent.

Unigrain will make available customer information if required by law. This most often relates to government tax reporting requirements. We will, however, in all instances required by law, only disclose the information specifically requested.

Basic procedures that protect Unigrain’s interests sometimes lead to the disclosure of specific customer information to third parties.

Unigrain may be requested to disclose customer information for matters of public interest, e.g. to assist in the prevention of crime. Before complying with these requirements, Unigrain will take every precaution to ensure the authorities involved have legitimate grounds to make such a request.

Personal information collected by Unigrain via the Unigrain website, will be stored in a secured environment.

Unigrain may use your personal or other information to send you information on new services or products that may be of interest to you and from time to time will mail, e-mail or sms information to you about Unigrain and Unigrain’s products and services. The user will have the option to indicate that he/she does not want to receive such product information in future, at the time of receipt of the communication. The user will, however, continue to receive other product information until the option to not receive future communications, has been selected for such specific product.

Regular non-encrypted e-mail is not secure. For this reason Unigrain will not include confidential account information in an e-mail response.

Should Unigrain commission other organisations to provide support services to Unigrain, Unigrain shall bind them to the Unigrain Privacy policy as far as they may be required to have access to Unigrain’s customer personal information to perform such services.