TERMS OF USE

General

The following terms and conditions ("Terms of Use") govern your use of this website (the "Site"). In this Terms of Use, “we”, “us”, “our” and other similar references mean MediKredit Integrated Healthcare Solutions (Pty) Limited (“MediKredit”) and “you” and “your” and other similar references mean a specific user of this Site. By accessing, viewing, or using the material on the Site, you indicate that you understand and intend these Terms of Use to be the legal equivalent of a signed, written contract, and equally binding, and that you accept such Terms of Use without limitation or qualification and agree to be legally bound by them. If you do not agree with the Terms of Use, you are not granted permission to use the Site and should exit immediately. We reserve the right to alter the Terms of Use without notice.

Proprietary Rights

All material contained in this Site is protected by law, including but not limited to, the South African Copyright Act 98 of 1978. Unless otherwise indicated, MediKredit is the owner of the copyright in the entire content (including images, data, text, graphics and look and feel attributes) of the Site and reserves all rights in that regard. Removing or altering the copyright notice on any material on the Site is prohibited. MediKredit also owns a copyright in this Site as a collective work and/or compilation, and in the selection, coordination, arrangement, organization and enhancement of Site content. Any commercial use of Site content is prohibited without the prior written consent of MediKredit. Unless otherwise specified in this Site, no one has permission to copy, redistribute, reproduce or republish, in any form, any information, in whole or in part, found in this Site without our express written permission. Unless otherwise indicated, MediKredit owns all trademarks, service marks or other logos featured on the Site. Use or misuse of these trademarks, service mark or logos is expressly prohibited and may violate South African law and other applicable international treaties. Please be advised that MediKredit actively and aggressively enforces its intellectual property rights to the fullest extent of the law.

No Solicitation or Offer

This Site is designed to provide general information about MediKredit, its products and services. Information on the Site is not intended to constitute an offer to sell or a solicitation of any particular product or service. Some products and/or services may not be available in all countries and in many instances may be offered only through MediKredit and its affiliates.

No Medical or Professional Services or Advice

The information provided on this Site is free of charge and for informational purposes only and does not create a business or professional services relationship between you and MediKredit. MediKredit does not directly or indirectly practice medicine, render medical advice, or dispense medical services via the Site, and nothing contained in this Site is intended to be instruction for medical diagnosis or treatment. Any information provided should not be considered complete, nor should it be relied on to suggest a course of action for any particular individual or entity. Information received from this Site should not be relied upon for personal, medical, legal, technical, or financial decisions. It should not be used in place of a visit, call, consultation or the advice of a physician, accountant, banker, lawyer, medical coder or other qualified expert.

Confidentiality Cannot be Guaranteed

Unless expressly stated otherwise herein, any information submitted by you through this Site shall be deemed non-confidential and non-proprietary. You represent that you have the lawful right to submit such information and agree that you will not submit any information unless you are legally entitled to do so. Because of the open nature of the Internet, we recommend that you not submit information you consider confidential.

Disclaimer of Warranty and Liability

USE OF THIS SITE IS ENTIRELY AT YOUR OWN RISK. THIS SITE AND ITS CONTENTS ARE PROVIDED "AS IS" AND MEDIKREDIT MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND WITH RESPECT TO THIS SITE OR ANY SITE OR SERVICE ACCESSIBLE THROUGH THIS SITE. MEDIKREDIT EXPRESSLY DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. IN NO EVENT WILL MEDIKREDIT BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR OTHER DAMAGES (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR DATA) WITHOUT REGARD TO THE FORM OF ACTION AND WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH THIS SITE, ANY CONTENT ON OR ACCESSED THROUGH THIS SITE OR ANY SITE SERVICE LINKED TO, OR ANY COPYING, DISPLAYING, OR USE THEREOF.

Corrections and Changes

While we endeavor to keep the materials on the Site up to date, MediKredit cannot assume responsibility for any errors or omissions in these materials. MediKredit further does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained within these materials. MediKredit may make changes to these materials, or to the products or services described herein, at any time without notice, and makes no commitment to update the information contained herein. MediKredit reserves the right to terminate your access to the Site in the event that you violate these Terms of Use, or for any reason whatever.

Indemnification

You agree to defend, indemnify, and hold harmless MediKredit, its affiliates and subsidiaries, and all of their respective directors, officers, employees, representatives, proprietors, partners, shareholders, servants, principals, agents, predecessors, successors, assigns, and attorneys from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including attorney's fees and litigation expenses) relating to or arising from your use of the Site and any breach by you of these Terms of Use.

Links to Other Web Sites

Links on this Site may lead to services or sites not operated by MediKredit. No judgment or warranty is made with respect to such other services or sites and MediKredit takes no responsibility for such other sites or services. A link to another site or service is not an endorsement of that site or service. Any use you make of the information provided on this site, or any site or service linked to by this site, is at your own risk.

Use of the Internet

Use of the Internet is solely at your own risk and is subject to all applicable national and international laws and regulations. Neither MediKredit nor its affiliates will be liable for any loss resulting from a cause over which they do not have direct control, including but not limited to failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or governmental restrictions.

Governing Law and Jurisdiction

These Terms and Conditions will be governed by and construed in accordance with the laws of the Republic of South Africa. If you attempt to bring any legal proceedings against MediKredit you specifically acknowledge that MediKredit is free to choose the jurisdiction of our preference as to where such action against us may be held. As you have agreed by using this site to choose the laws of the Republic of South Africa to govern any such proceedings, we will probably choose to defend any such action in the Republic of South Africa and we can make this decision entirely as it suits us, without regard to where in the world you are located, or from where in the world you visited this Site.

International Use

You are responsible for complying with the laws of the jurisdiction from which you are accessing this Site and you agree that you will not access or use the information on this Site in violation of such laws.

These Terms of Use are effective 1 November, 2012.