CollectionCollection on use. Once a Visitor visits this website, a Visitor is not anonymous to Flow Finance. When visiting, each Visitor provides Data, which may include an ID number, a contact number, a street address, and an email address. Flow Finance may also record the IP address of a Visitor when adding Data. Children. Flow Finance does not intentionally gather Personal Information about visitors who are under the age of 13.
Collection from browserFlow Finance automatically receives and records information on Flow Finance’s server logs from the browser of a Visitor, including an IP address, Flow Finance cookie information, and the page requested. Each Visitor should be aware that other websites visited before entering the website might place Personal Information within a URL of a Visitor during a visit to it, and Flow Finance has no control over such websites. Accordingly, a subsequent website that collects URL information may log some Personal Information.
UseMessages and updates. Flow Finance may send administrative messages and email updates regarding the website, or its Services to a Visitor. In some cases, Flow Finance may also send a Visitor primarily promotional messages. A Visitor can choose to opt-out of promotional messages.
Updating or RemovingA Visitor may choose to correct or update the Data they have submitted to Flow Finance by notifying Flow Finance. If details change that impact the collectability or contractibility for an active product, the client is responsible for contacting Flow Finance to ensure that the correct details are present on the system.
Unauthorised UseAny unauthorised use of Flow Finance information systems is a violation of the Agreement and certain laws, including the section 86 of the ECT Act. Such violations may subject the person to civil and criminal penalties. Use of the services of this website is limited to residents of South Africa or any individual residing in South Africa with the proper clearance documentation and temporary identification documentation.
Intercept and MonitorFlow Finance may intercept, monitor, block, filter, read, delete, and disclose any communication over its information system. This includes, but is not limited to the tracking of user Internet Protocol addresses (IP Addresses) and users agree that Flow Finance may request their personal information from their Internet Service Provider for whatever reason the site sees fit in order to ensure a safe and trusted relationship with the user.
LimitationFlow Finance is not responsible for, gives no warranties, nor makes any representations in respect of the privacy policies or practices of linked or any third party websites. Flow Finance information systems is provided to users and used by Flow Finance “as is” without warranty of any kind, either expresses or implied, including but not limited to the implied warranties of merchantability and/or fitness for a particular purpose. Flow Finance cannot be held liable for any mistakes that arise from use of the information systems that govern the administration of products including but not limited to the unintentional disclosure of personal information.
Marketing purposesFlow Finance may disclose aggregate statistics (information about the customer population in general terms) about the Data to advertisers or business partners and third party suppliers or agents. Flow Finance may need to provide Data to a third party supplier to supply or provide specific Services to a Visitor (such as providing a quote or contacting a Visitor). Each third party supplier is required to only disclose or use the Data to supply or provide the specific Services requested.
Law enforcementFlow Finance may disclose Data if required: by a subpoena or other legislative or administrative order by law; to protect the safety of any individual or the general public; to prevent violation of the Agreement, or the rights of Flow Finance or any third party. An IP address may be disclosed to a third party: if the law or a legal process requires it; to protect the rights or property of Flow Finance, a Visitor, or the general public.
EmployeesFlow Finance may need to disclose Data to its employees that require the Data to do their jobs.
AbuseFlow Finance may disclose Data to designated third parties to resolve or investigate abuse complaints. Flow Finance may release Data to assist in attempting to block an abusive Visitor or complain to its Internet Service Provider of an abusive Visitor.
Security of DataFlow Finance uses some of the most advanced security measures to protect the Data under its control. All Data is safe, secure, and available only to the Visitor and those to whom Visitor has granted permissions. In addition, the website is hosted in a secure server environment that uses a firewall and other advanced security measures to prevent interference or access from outside intruders.
About Flow FinanceThis web site is owned, managed, and administered by Flow Finance. Flow Finance Head Office is situated at 123 Oxford Road c/n of Cotswold Dr, Saxonwold 2196 and is a business that specializes in extending credit. Flow Finance is fully compliant with the credit legislative requirements of South Africa and promotes responsible lending. Flow Finance also strives to provide superior administration and management of client accounts.
Use of the siteLicense to use this web site. Flow Finance grants each Visitor a limited, revocable license to use this web site subject to the Terms. Any person wishing to use this web site contrary to the Terms must obtain Flow Finance’s prior written consent. The information offered on this web site is for the Visitor’s guidance only. The information offered is for quotation purposes only, and is subject to change on final submission of an application. Flow Finance has taken every care to ensure that the information provided on this web site is reliable by using sources we believe to be accurate. However, the accuracy of the information (including rates, fees, and charges), cannot be guaranteed.
Sufficient particularsIn order for Flow Finance to provide a Visitor with appropriate advice and / or quotations on products, it is important that a Visitor provides Flow Finance with sufficient particulars of their financial affairs. Failure to make a full disclosure could result in advice Flow Finance being compromised and may result in a Visitor thus making a financial commitment to a product inappropriate to their needs and objectives.
FramingNo person, business, or website may frame this website or any of the pages on this website.
LinkingVisitor(s) may link to the website only by linking to the home page of this website. Flow Finance prohibits Visitor from “deep linking” to any other pages in a manner that would incorrectly suggest endorsement or support of Visitor by Flow Finance or suggests a Visitor is the owner of any intellectual property belonging to Flow Finance.
Spiders and CrawlersNo person, business, or website may use any technology (including spiders or crawlers) to search and gain any information from this website
ModifyFlow Finance may modify, suspend, or discontinue the provisioning of this website to the public (with or without notice) and will not be liable for any claims. Furthermore, Flow Finance also reserves the right to modify the terms and conditions that govern the relationship with users (with or without notice) and will not be liable for any claims that result in terms of such a change.
Capacity of CustomerEach Visitor represents and warrants that Visitor : 1. is old enough under applicable law to enter into the Terms; 2. possesses the legal right, full power, and authority to enter into the Terms; 3. will submit true, accurate and correct information to Flow Finance and this website. If Visitor is younger than 18 years of age, the Visitor warrants that the Visitor has the consent of its legal guardian to enter into the Terms or that the Visitor has obtained legal status in another manner.