Website Terms and Conditions  

 The Terms, Conditions and Privacy Policy (“Terms”) govern the use of the Jigsaw Advisory website (“Website”). A User must be at least 18 years of age to use the Jigsaw Advisory website.  By checking the “I accept the Terms, Conditions & Privacy Policy” option or by continued use of the Jigsaw Advisory website, the User agrees to be bound by the Terms as set out in this legal notice.

If the User does not wish to be bound by these Terms, the User may not access, display, use, download, or otherwise copy or distribute any content obtained from the website. 

Definitions 

In these Terms, unless otherwise required or indicated by the context: 

  • Jigsaw Advisory” shall mean Jigsaw Advisory (Pty) Ltd, a South African private company incorporated and registered in terms of the Companies Act 71 of 2008, with registration number 2018/356815/07 and with its registered address at Workshop 17, Firestation, 11th Floor, 16 Baker Street, Rosebank, Johannesburg, Gauteng, 2196. 
  • “Personal Information” means any information that may be used to identify a specific person (whether it is a natural or juristic person). 
  • “System Data” shall mean usage, transactional and device-related data that is collected automatically by Jigsaw Advisory. 
  • “User” shall mean any person who accesses or uses the website. 
  • “User Data” shall mean any data or content entered or captured by a User by means of the website, including data needed by the website to allow the User to view any content or subscribe to any service. 
  • “Website” shall mean the Jigsaw Advisory website that is located at the domain name https://jigsaw.africa/  where a User can visit and browse the Jigsaw Advisory website.  

Jigsaw Advisory is a niche professional services firm specializing in the optimization and digitalization of solutions in the office of the Chief Financial Officer for the finance function. This Agreement regulates the use of the Jigsaw Advisory website, which is developed, owned and copy righted by Jigsaw Advisory.  

COVID Notice 

Jigsaw Advisory upholds all COVID-19 related legislation and regulations. All visitors to the Jigsaw Advisory premises will need to comply with all COVID-19 legislation and regulations as well as the Jigsaw Advisory policies and procedures in this regard. 

For more information on COVID-19 preventative tips, symptoms as well as the latest news and statistics in South Africa, please visit the COVID-19 South African Resource Portal at https://sacoronavirus.co.za/. 

Amendments to the Terms 

Jigsaw Advisory may change, modify, add to or remove from portions or the whole of these Terms. Changes to these Terms will become effective when the changes are posted on the Jigsaw Advisory website. Jigsaw Advisory will notify the User of these changes by posting a prominent notice on the Jigsaw Advisory website. The User’s continued use of the Jigsaw Advisory website following the posting of changes or updates will be considered notice of the User’s acceptance of the updated terms in the Agreement, including any changes or updates. 

Indemnity and Limitation of Liability 

Subject to the Privacy Policy, contained herein, the Jigsaw Advisory website and all content on the Jigsaw Advisory website, are provided on an “as is” basis, and may include inaccuracies or typographical errors and Jigsaw Advisory, its suppliers, employees, directors, partners, affiliates and agents will not be liable for any damage, or loss or liability of any nature incurred by whoever as a result of any action or omission. Jigsaw Advisory makes no warranty or representation as to the availability, accuracy or completeness of the content, or any third-party content accessible via an internet link. 

None of the content, including any information or articles published pertaining to specific aspects of the business of Jigsaw Advisory, must be construed as advice in respect of such aspect. Neither Jigsaw Advisory, its suppliers, employees, directors, partners, affiliates, nor any of the parties’ agents can be held liable for any damages, of whatsoever nature, due to such action by any User. 

Neither Jigsaw Advisory nor any holding company, affiliate, agent, subsidiary of Jigsaw Advisory or owners, will be held responsible for any damage of any kind, related to the use of, or the inability to access or use the content or the Jigsaw Advisory website or any functionality, or of any linked website to the extent permissible by law. 

The User acknowledges and agrees that the Terms are entered into between the User and Jigsaw Advisory and does not govern the relationship between the User and any third party.  

Complaints and Disputes 

Users can file complaints by means of the “contact us” tab on the Jigsaw Advisory Website. Currently, Jigsaw Advisory does not subscribe to any alternative dispute resolution code or mechanism and a User may approach the courts should the dispute or complaint not be resolved.  

Disclaimers  

The User’s use of the Jigsaw Advisory website is dependent on factors beyond Jigsaw Advisory’ control, such as the User’s network coverage or network availability as well as or their device’s proficiency and/or capacity.  

Jigsaw Advisory is not liable for any loss or damages the User may suffer if a factor beyond Jigsaw Advisory’s control arises and you cannot access the Jigsaw Advisory website.  

Jigsaw Advisory nor any holding company, affiliate, agent, or subsidiary thereof are responsible for any loss or damages related to User’s use of the Jigsaw Advisory website or any Intellectual Property flowing from their use. This includes, without limitation, any damage, or loss or liability of any nature incurred by whoever as a result of any action or omission. 

Jigsaw Advisory is not responsible for any loss or damage where:  

  • An unauthorized third party discovers and or utilizes the User ‘s access codes;  
  • Any technical interruption, malfunction, downtime or other failure that affects the Jigsaw Advisory website, a third-party system or any part of any database for any reason;   
  • Any Personal Information or other data is directly or indirectly lost or damaged because of technical problems, power failures, unlawful acts (such as data theft), any program or virus, the User’s own negligence; or any other reason flowing from the use of the Jigsaw Advisory website; 
  • Any event that Jigsaw Advisory has no control over.  

COPYRIGHT AND INTELLECTUAL PROPERTY  

Intellectual Property” shall mean without limitation, all inventions, specifications, patents, designs, trademarks, service marks, trade names and all goodwill associated with the foregoing; copyright and copyrightable works, including, but not limited to, all copyright in any logos, devices, designs, multimedia works and computer software programs (in both source and object code form, and including any programmers’ or developers’ notes, flow charts, memoranda and design documents); rights protecting goodwill and reputation; proprietary material, know-how, ideas, concepts, trade secrets, methods, techniques, graphics; schematics; marketing; sales and user data; domain names and URLs; databases and rights in databases, confidential information and all other intellectual property rights and rights of a similar character whether registered or capable of registration, rights in the nature of any of the above items whether registered or unregistered in any country or jurisdiction and all applications and rights to apply for protection of any of the same. 

Content displayed on the website is provided by Jigsaw Advisory, its affiliates or subsidiary, or any other third-party owners of the content (“Content”). All the proprietary works, and the compilation of the proprietary works, belong to the Provider, its affiliates or subsidiary, or any third-party owners of the rights (“Owners”), and the Content is protected by South African and international copyright laws. 

Jigsaw Advisory may make any changes to the website, the Content, or to products or services offered through the website at any time and without notice to the User. All rights in and to the Content is reserved and retained by the Owners. Except as specified in the Terms, the User is not granted a license or any other right including under Copyright, Trademark, Patent or other Intellectual Property Rights in or to the Content. 

Certain content available on the Jigsaw Advisory website may include content that belongs to third parties. Jigsaw Advisory may provide links to third-party websites, as a convenience to the User.  

User agrees that Jigsaw Advisory is not liable for any of the following:  

  • The content or the accuracy of any such content belonging to third parties, including, but not limited to any merchants, featured on the Jigsaw Advisory website;  
  • Any content featured on the third-party websites that are accessed through the links found on the Jigsaw Advisory website. 

The User acknowledges that:  

  • They will not make any representations that they have any rights of any nature in any present and/or future Intellectual Property belonging to Jigsaw Advisory and/or any third parties featured on the Jigsaw Advisory website; 
  • They will not use Jigsaw Advisory and/or any third-party Intellectual Property that is featured on the Jigsaw Advisory Website present and/or future Intellectual Property in any manner whatsoever or any other Intellectual Property which is identical, similar and/or confusingly similar thereto in any other country;  
  • They will not do, or omit to do, or cause to be done any act or thing which would be expected to weaken, damage, be detrimental to or in any way impair or tend to impair Jigsaw Advisory’s goodwill; and 

They will not use, register or attempt to register as trade names, corporate names, business names, logos, domain names, meta-tags, meta descriptors, electronic mail (email) addresses, server names, or search-engine markers or anything that is identical to, contained in whole or in part, or is otherwise similar to Jigsaw Advisory’s present and/or future Intellectual Property in any country.  

The User indemnifies Jigsaw Advisory against all actions, claims, costs, demands, expenses and other liabilities suffered or incurred by Jigsaw Advisory as a result of any third-party claims initiated and/or instituted against Jigsaw Advisory relating to the User ‘s unauthorized use of the Jigsaw Advisory website, the content thereon and/or any other Intellectual Property and Intellectual Property Rights flowing from the foregoing.  

Any breach of the terms under this clause entitles Jigsaw Advisory in addition to their normal common law remedies, to take legal action without prior notice to the User and the User agrees to reimburse the costs associated with such legal action to Jigsaw Advisory.  

Availability of the Service 

Standard data costs will be charged when a User utilizes the Jigsaw Advisory website. These costs are charged by the User’s mobile network operator or internet service provider, and Jigsaw Advisory will in no way be held liable for any claim arising from these data costs including any claims of heightened data usage. Any questions related to a User’s data costs must be referred to their individual mobile network operator or internet service provider.  

The Jigsaw Advisory website service may be interrupted for one or more of the following reasons, including but not limited to maintenance, repairs, upgrades, or network or equipment failures. Jigsaw Advisory may discontinue some or all of its services, including certain features and the support of certain devices and platforms, at any time.  

Events beyond the control of Jigsaw Advisory may affect the services offered. Such events may include events of force majeure. 

Registration and Accounts 

Users can register for an account on the Jigsaw Advisory Website by completing and submitting the account registration form on the website and by clicking on the verification link in the email that the website will send to the email address provided by the user. Users who register accounts on the Jigsaw Advisory website will be asked to choose a user ID and password.  

Cancellation and suspension of accounts 

Jigsaw Advisory may suspend, cancel or edit use account details at any time and its sole discretion with or without notice to the User. 

An account is usually cancelled if it remains unused for a continuous period of 18 (eighteen) months.  

A User may cancel their account of the Jigsaw Advisory website by means of the account control panel on the website.  

Breach  

Jigsaw Advisory may suspend or disconnect the User from using the Jigsaw Advisory website if they are in breach of a clause as contained in this Agreement and do not remedy the breach within 5 (five) days after Jigsaw Advisory has requested them to do so. Jigsaw Advisory may still take other steps available to them, including applying to a court for an urgent interdict against the User. 

User Feedback 

Feedback provided by the User to Jigsaw Advisory about any aspect or feature of the Jigsaw Advisory website may be used by Jigsaw Advisory without any obligation to the User. 

Jurisdiction 

The Jigsaw Advisory website is controlled, operated and administered by Jigsaw Advisory from its offices within the Republic of South Africa. 

Any agreement or dispute will be governed by the laws of the Republic of South Africa, and the User consents to the jurisdiction of the Gauteng High Court in the event of any dispute. 

If any of the provisions of the Agreement are found by a court of competent jurisdiction to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible so as to give effect to the intent of the Terms, and the remainder of the Terms will continue in full force. 

General  

These Terms & Conditions contain all the provisions agreed on by the Parties with regard to the use of the content and the Jigsaw Advisory website and the Parties waive the right to rely on any alleged provision not expressly contained in this Agreement. No contract varying, adding to, deleting from or cancelling this Agreement, and no waiver of any right under this Agreement, by the User shall be effective unless reduced to writing and signed by or on behalf of the Parties. 

The invalidity, illegality, or unenforceability of any of the clauses in these Terms will not affect the validity, legality, and enforceability of the remaining clauses. 

Jigsaw Advisory may terminate the Jigsaw Advisory website any time, without notice. 

Distribution and Communication by Email 

Any email communication received from Jigsaw Advisory is privileged and confidential and for the use of the intended User only. If a User receives an email in error, please notify Jigsaw Advisory directly and delete the email and any attachments. Unauthorized use, disclosure or copying of the contents of an email received in error, or any similar action, is prohibited. WARNING: From time to time, Jigsaw Advisory’s spam scanners may eliminate a legitimate email from a User. There is a duty on the User to ensure Jigsaw Advisory acknowledges receipt of the User’s instruction.

Terms and conditions of use

  1. Introduction

1.1    These terms and conditions shall govern your use of our website.

1.2    By using our website, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.

1.3    If you register with our website, submit any material to our website or use any of our website services, we will ask you to expressly agree to these terms and conditions.

1.4    You must be at least 18 years of age to use our website; by using our website or agreeing to these terms and conditions, you warrant and represent to us that you are at least 18 years of age.

  1. Credit

2.1    This document was created using a template from Docular (https://docular.net).

You must retain the above credit. Use of this document without the credit is an infringement of copyright. However, you can purchase from us an equivalent document that does not include the credit.

  1. Copyright notice

3.1    Copyright (c) 2021 Jigsaw Advisory.

3.2    Subject to the express provisions of these terms and conditions:

(a)    we, together with our licensors, own and control all the copyright and other intellectual property rights in our website and the material on our website; and

(b)    all the copyright and other intellectual property rights in our website and the material on our website are reserved.

  1. Permission to use website

4.1    You may:

(a)    view pages from our website in a web browser;

(b)    download pages from our website for caching in a web browser;

(c)    print pages from our website for your own personal and non-commercial use, providing that such printing is not systematic or excessive;

(d)    stream audio and video files from our website using the media player on our website; and

(e)    use our website services by means of a web browser, subject to the other provisions of these terms and conditions.

4.2    Except as expressly permitted by Section 4.1 or the other provisions of these terms and conditions, you must not download any material from our website or save any such material to your computer.

4.3    You may only use our website for business purposes; you must not use our website for any other purposes.

4.4    Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any material on our website.

4.5    Unless you own or control the relevant rights in the material, you must not:

(a)    republish material from our website (including republication on another website);

(b)    sell, rent or sub-license material from our website;

(c)    show any material from our website in public;

(d)    exploit material from our website for a commercial purpose; or

(e)    redistribute material from our website.

4.6    Notwithstanding Section 4.5, you may redistribute our newsletter in print and electronic form to any person.

4.7    We reserve the right to suspend or restrict access to our website, to areas of our website and/or to functionality upon our website. We may, for example, suspend access to the website during server maintenance or when we update the website. You must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on the website.

  1. Misuse of website

5.1    You must not:

(a)    use our website in any way or take any action that causes, or may cause, damage to the website or impairment of the performance, availability, accessibility, integrity or security of the website;

(b)    use our website in any way that is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity;

(c)    hack or otherwise tamper with our website;

(d)    probe, scan or test the vulnerability of our website without our permission;

(e)    circumvent any authentication or security systems or processes on or relating to our website;

(f)    use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software;

(g)    impose an unreasonably large load on our website resources (including bandwidth, storage capacity and processing capacity);

(h)    decrypt or decipher any communications sent by or to our website without our permission;

(i)    conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent;

(j)    access or otherwise interact with our website using any robot, spider or other automated means, except for the purpose of search engine indexing;

(k)    use our website except by means of our public interfaces;

(l)    violate the directives set out in the robots.txt file for our website;

(m)   use data collected from our website for any direct marketing activity (including without limitation email marketing, SMS marketing, telemarketing and direct mailing); or

(n)    do anything that interferes with the normal use of our website.

5.2    You must not use data collected from our website to contact individuals, companies or other persons or entities.

5.3    You must ensure that all the information you supply to us through our website, or in relation to our website, is true, accurate, current, complete and non-misleading.

  1. Registration and accounts

6.1    You may register for an account with our website by completing and submitting the account registration form on our website, and clicking on the verification link in the email that the website will send to you.

  1. User login details

7.1    If you register for an account with our website, you will be asked to choose a user ID and password.

  1. Cancellation and suspension of account

8.1    We may:

(a)    suspend your account;

(b)    cancel your account; and/or

(c)    edit your account details,

        at any time in our sole discretion with or without notice to you.

8.2    We will usually cancel an account if it remains unused for a continuous period of 18 months.

8.3    You may cancel your account on our website using your account control panel on the website.

  1. Our rights to use your content

9.1    In these terms and conditions, “your content” means all works and materials (including without limitation text, graphics, images, audio material, video material, audio-visual material, scripts, software and files) that you submit to us or our website for storage or publication on, processing by, or transmission via, our website.

9.2    You grant to us a worldwide, irrevocable, non-exclusive, royalty-free license to reproduce, store and, with your specific consent, publish your content on and in relation to this website.

9.3    You grant to us the right to sub-license the rights licensed under Section 9.2.

9.4    You grant to us the right to bring an action for infringement of the rights licensed under Section 9.2.

9.5    You hereby waive all your moral rights in your content to the maximum extent permitted by applicable law; and you warrant and represent that all other moral rights in your content have been waived to the maximum extent permitted by applicable law.

9.6    You may edit your content to the extent permitted using the editing functionality made available on our website.

9.7    Without prejudice to our other rights under these terms and conditions, if you breach any provision of these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may delete, unpublish or edit any or all of your content.

  1. Rules about your content

10.1  You warrant and represent that your content will comply with these terms and conditions.

10.2  Your content must not be illegal or unlawful, must not infringe any person’s legal rights, and must not be capable of giving rise to legal action against any person (in each case in any jurisdiction and under any applicable law).

10.3  Your content, and the use of your content by us in accordance with these terms and conditions, must not:

(a)    be libellous or maliciously false;

(b)    be obscene or indecent;

(c)    infringe any copyright, moral right, database right, trade mark right, design right, right in passing off or other intellectual property right;

(d)    infringe any right of confidence, right of privacy or right under data protection legislation;

(e)    constitute negligent advice or contain any negligent statement;

(f)    constitute an incitement to commit a crime, instructions for the commission of a crime or the promotion of criminal activity;

(g)    be in contempt of any court or in breach of any court order;

(h)    be in breach of racial or religious hatred or discrimination legislation;

(i)    be blasphemous;

(j)    be in breach of official secrets legislation;

(k)    be in breach of any contractual obligation owed to any person;

(l)    depict violence in an explicit, graphic or gratuitous manner;

(m)   be pornographic, lewd, suggestive or sexually explicit;

(n)    be untrue, false, inaccurate or misleading;

(o)    consist of or contain any instructions, advice or other information which may be acted upon and could, if acted upon, cause illness, injury or death, or any other loss or damage;

(p)    constitute spam;

(q)    be offensive, deceptive, fraudulent, threatening, abusive, harassing, anti-social, menacing, hateful, discriminatory or inflammatory; or

(r)    cause annoyance, inconvenience or needless anxiety to any person.

  1. Limited warranties

11.1  We do not warrant or represent:

(a)    the completeness or accuracy of the information published on our website;

(b)    that the material on the website is up to date;

(c)    that the website will operate without fault; or

(d)    that the website or any service on the website will remain available.

11.2  We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.

11.3  To the maximum extent permitted by applicable law and subject to Section 12.1, we exclude all representations and warranties relating to the subject matter of these terms and conditions, our website and the use of our website.

  1. Limitations and exclusions of liability

12.1  Nothing in these terms and conditions will:

(a)    limit or exclude any liability for death or personal injury resulting from negligence;

(b)    limit or exclude any liability for fraud or fraudulent misrepresentation;

(c)    limit any liabilities in any way that is not permitted under applicable law; or

(d)    exclude any liabilities that may not be excluded under applicable law.

12.2  The limitations and exclusions of liability set out in this Section 12 and elsewhere in these terms and conditions:

(a)    are subject to Section 12.1; and

(b)    govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty, except to the extent expressly provided otherwise in these terms and conditions.

12.3  To the extent that our website and the information and services on our website are provided free of charge, we will not be liable for any loss or damage of any nature.

12.4  We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

12.5  We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.

12.6  We will not be liable to you in respect of any loss or corruption of any data, database or software.

12.7  We will not be liable to you in respect of any special, indirect or consequential loss or damage.

12.8  You accept that we have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge that we are a limited liability entity; you agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).

  1. Breaches of these terms and conditions

13.1  Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:

(a)    send you one or more formal warnings;

(b)    temporarily suspend your access to our website;

(c)    permanently prohibit you from accessing our website;

(d)    block computers using your IP address from accessing our website;

(e)    contact any or all of your internet service providers and request that they block your access to our website;

(f)    commence legal action against you, whether for breach of contract or otherwise; and/or

(g)    suspend or delete your account on our website.

13.2  Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a different account).

  1. Variation

14.1  We may revise these terms and conditions from time to time.

14.2  The revised terms and conditions shall apply to the use of our website from the date of publication of the revised terms and conditions on the website, and you hereby waive any right you may otherwise have to be notified of, or to consent to, revisions of these terms and conditions.

14.3  If you have given your express agreement to these terms and conditions, we will ask for your express agreement to any revision of these terms and conditions; and if you do not give your express agreement to the revised terms and conditions within such period as we may specify, we will disable or delete your account on the website, and you must stop using the website.

  1. Assignment

15.1  You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.

15.2  You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.

  1. Severability

16.1  If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.

16.2  If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

  1. Third party rights

17.1  A contract under these terms and conditions is for our benefit and your benefit, and is not intended to benefit or be enforceable by any third party.

17.2  The exercise of the parties’ rights under a contract under these terms and conditions is not subject to the consent of any third party.

  1. Entire agreement

18.1  Subject to Section 12.1, these terms and conditions, together with our privacy and cookies policy, shall constitute the entire agreement between you and us in relation to your use of our website and shall supersede all previous agreements between you and us in relation to your use of our website.

  1. Law and jurisdiction

19.1  These terms and conditions shall be governed by and construed in accordance with English law.

19.2  Any disputes relating to these terms and conditions shall be subject to the exclusive jurisdiction of the courts of South Africa.

  1. Our details

20.1  This website is owned and operated by Jigsaw Advisory Pty Limited.

20.2  We are registered in South Africa under registration number [number], and our registered office is at Level 11, Fire station, Rosebank, South Africa.

20.3  Our principal place of business is at Level 11, Fire station, Rosebank, South Africa.

20.4  You can contact us:

(a)    by post, to the postal address given above;

(b)    using our website contact form;

(c)    by telephone, on the contact number published on our website; or

(d)    by email, using the email address published on our website.