Website Terms of Use

By using this website (“the/this website”), www.fasta.co.za, you agree to be bound by these terms of use. These terms of use become effective when you access our website for the first time and constitute a binding agreement between FASTA (Pty) Ltd, a division of “Knickle Holdings”, and yourself, which will always prevail.

The services offered by this website are provided to you free of charge, except where another agreement between us stipulates the contrary, on an “as is” and “as available” basis. FASTA uses its best efforts to maintain the quality of its services, but you should not assume that the site is error-free or that it will be suitable for the particular purpose which you have in mind when using it.

The information, ideas and opinions expressed on this site are of a general nature and should not be regarded as financial or other advice. Prior to taking any action based on, or in relation to, information, ideas and opinions expressed on this site you need to obtain professional advice appropriate to your planned action.

This website is available to you for your non-commercial use.

We may modify, withdraw or deny access to this website at any time. Knickle Holdings is the owner of the FASTA domain below. No other person or entity has any right to use any of the aforesaid domains. Should you be contacted by or come across any website (other than this one) purporting to be the official website of FASTA, please report this to FASTA’s Client Care Centre at support@fasta.co.za or call us on +27 87 813 2782

Nothing on this website is intended to be nor should be construed as an offer to enter into a contractual relationship with you or anyone else, except for these terms which govern the relationship between us in relation to your use of the website. The advertising of our services via the website merely constitutes an invitation by FASTA for you to make an application for our services. FASTA reserves the right not to accept and/or comply with any application for any reason whatsoever. Should FASTA accept your application for credit, the agreement is governed by the terms and conditions of the application and agreement itself and not by these terms which specifically relate to the use of the website.

If you do not accept these terms and conditions, please do not continue to use this website. Please note that the terms and conditions stated in this document refer to the use by you of this website and are not related to any commercial agreement concluded between you and FASTA or any other third party pursuant to the use of this website.

Limitation of liability and disclaimer

You use this website at your own risk. FASTA makes no warranties or representations of any kind (express or implied) with regards to the website or its content.

By accessing the website, you warrant and represent to FASTA that you are legally entitled to do so. If you subscribe for any of our products you warrant and represent that you are legally authorised to subscribe for such services. You further warrant you will not use the website, the products and/or the services or any information made available or sent to you by us pursuant to your use of the website for any purpose that is unlawful or prohibited under South African or international law or is a contravention of the terms. You hereby indemnify FASTA against any loss, liability, damage or expense of whatever nature which FASTA or any third party may suffer which is caused by or attributable to, whether directly or indirectly, a breach by you of any of the warranties in these terms.

To the fullest extent possible, FASTA shall not be held responsible for any injury, loss, expense or damage of any kind whatsoever (whether direct, indirect or consequential) suffered or incurred by you as a result of accessing this website, utilising any service offered on this website or relying on any information contained on this website for any reason whatsoever including but not limited to any injury, loss or damage suffered as a result of:

  • you are transmitting any information to us, including but not limited to, confidential information;

  • errors or discrepancies in the information provided;

  • relying on the information generated by a calculator or other online tool which is made available on this website. Such calculators and online tools are merely informative, and their results are not a representation by FASTA about its products and do not bind FASTA in any manner;

  • relying on the accuracy of information provided by the share ticker. The share information is delayed and is provided by a third party;

  • any unauthorised access or amendment of this website by third parties;

  • any breakdown or failure of any equipment or medium of access to this website;

  • any failure or unavailability of this website or any third parties’ facilities or systems resulting in the inability to access this website or process any transaction referred to or offered on this website;

  • viruses or destructive codes;

  • the destruction or accessing of your data or equipment, or the data or equipment belonging to any third party used by you to access this website; or

  • any alteration, modification, upgrade or update of this website or any technology, hardware or software modification that may form part of this website.

You hereby indemnify FASTA against any demand, claim or action for direct-, indirect-, punitive- and/or consequential damages or orders against FASTA relating to or in connection with your use or accessing of this website whether such demand, claim or action was caused directly or indirectly for any reason whatsoever.

FASTA reserves the right in its absolute discretion to alter, modify, upgrade, update, suspend or withdraw this website or any part hereof at any time.

You are entirely responsible for all content that you access, upload, post, email or otherwise transmit via this website. FASTA is not liable for loss of any content that you access, upload, post, email or otherwise transmit via this website and you should keep a backup copy of all such content.

Privacy

You give FASTA permission to collect and use your personal information when you use the website. Please proceed to our Privacy Policy on this website for more information.

Intellectual property

FASTA retains all copyright and other intellectual property rights in all material, including logos and other graphics and multimedia works, published on or via this website. You are authorised to view and download one copy to a local hard drive or disk, print and make copies of such printouts, provided that:

  • the material is for personal use to consider the use of the online services and not for any commercial purposes;

  • any reproduction of FASTA proprietary material from this website or portion of it must include this copyright notice in its entirety; and

  • you do not distort or otherwise modify the proprietary information in a manner that may be prejudicial to FASTA.

The logos and trademarks shown on this website are FASTA’s registered and unregistered trademarks or that of third parties. Nothing on this website should be construed as granting any licence or right to use any trademark without FASTA’s prior written permission and/or that of third parties, as the case may be. You may not, without FASTA’s prior written permission, use our intellectual property or that of third parties for any other purposes.

An application to use FASTA’s intellectual property must be submitted through FASTA’s Client Care Centre at support@fasta.co.za or call us on +27 87 813 2782. Upon receiving your application, we will do our best to respond and enter into further discussions with you. If you don’t get a written response from us within 5 business days, consider your request as having been rejected.

If you submit any content to this website, you grant (by the submission of such content) a transferable, perpetual, worldwide and royalty-free license to FASTA to use the content in any manner whatsoever. If the intellectual property rights of any content submitted by yourself are owned by a third party, you undertake to notify FASTA immediately of the situation and you indemnify FASTA against any claims that such third party may bring against FASTA for the use of third-party content submitted to the website by you.

Links to third-party sites

The website may contain links to other websites with information and material produced by other parties. While FASTA endeavours to provide links only to reputable websites, it cannot accept responsibility or liability for the information provided on other websites. A link from this website to any other website does not mean that we have scrutinised or endorsed the owners or administrators of the websites or their business or security practices and operations. Use or reliance on any external links provided is at your own risk. When visiting external links you must refer to the external terms and conditions of use. No hypertext links shall be created from any website controlled by you or otherwise to this website without the express prior written permission of FASTA.

General matters

FASTA may amend these terms of use from time to time. By accessing this website, you are bound to the current version of the conditions published here at the time of any visit to this website. You agree to view the current version each time you access the website.

A certificate signed by the administrator responsible for maintaining this website will be prima facie proof of the date of publication and content of the current version and all previous versions of these terms of use.

Nothing on this website should be treated as an offer but merely as an invitation to do business with FASTA.

If any provision of these terms of use is not fully enforceable for any reason, the remainder shall nonetheless continue to apply.

The laws of the Republic of South Africa apply to these terms of use, as well as the relationship between yourself and FASTA, as far as it concerns the use of this website or any matter that may arise from such use.

Breach of these terms of use entitles FASTA to take legal action without prior notice to you and you agree to reimburse the costs associated with such legal action to FASTA on an attorney and own client scale.

You may not use this website for any unlawful purpose or purpose prohibited by these terms of use.

In its sole and unfettered discretion, FASTA reserves the right to terminate access of a person/s to this website for any reason and without notice.

Nothing on this website constitutes financial or investment advice.

All products or services offered on this website, if any, are offered to South African residents only and not to any persons residing outside the Republic of South Africa.

If you have used a user ID and/or password to access any of the functionality of this website, you are solely responsible for the following:

  • ensuring that your user ID and password remain confidential and are not disclosed to any third party;

  • any and all transactions, information submitted, or other actions performed using your user ID and password; and

  • the immediate notification of FASTA’s Client Care Centre at support@fasta.co.za in the event that your user ID, password or account is disclosed, compromised or subject to any use not authorised by you.

List of FASTA domains

fasta.co.za | fasta.cloud | fasta.finance | fasta.loans | fasta.app | fasta.money

Automatic Bank Statement Collection

TRUID PROPRIETARY LIMITED (Registration Number: 2015/361504/07) TERMS OF USE DATA PROTECTION & PRIVACY POLICY

  1. PREAMBLE

    1. The truID website: www.truid.co.za and the truID mobile phone or tablet application (collectively the “truID System”) are owned and operated by truID Proprietary Limited (also referred to herein as “We”, “Our” or any related expression).

    2. Please take the time to read and understand these terms and conditions of use together with our data protection and privacy policy (collectively the “Terms”) because by accepting these Terms and by Using the truID System, by whatever means or device, you consent to be bound by these Terms.

    3. These Terms describe the services that We offer and provide to You through Your access and Use of the truID System, the manner in which the truID System is provided to You and set out our obligations to You and provide important information on how We collect, transmit, process and store Your Personal Information.

    4. These Terms also place various obligations on You as a User of the truID System. By accepting these Terms you hereby grant truID the express consents required under the applicable laws to enable the truID System to be accessed and Used for its intended purposes.

    5. If you do not consent to be bound by all of the provisions of these Terms, you may not use the truID System.

  2. INTERPRETATION AND DEFINITIONS

    1. In these Terms and Conditions, capitalised words will have the meanings assigned to them herein below and cognate words and phrases will have corresponding meanings: -

      1. “Data Subject” – means data subject as defined in POPIA, being the Person to whom Personal Information relates;

      2. “Equipment” - means the hardware, operating software and communication lines used for connecting to any local area network or wide area network which is used to operate, run, access or otherwise Use the truID System;

      3. “Operator” – means an operator as defined in POPIA, being a Person who processes Personal Information for a Responsible Party in terms of a contract or mandate, without coming under the direct authority of that Responsible Party;

      4. ‘‘Person’’ - means a natural person or a juristic person;

      5. “Personal Information” – means personal information as defined in POPIA being, information relating to an identifiable, living, natural Person, and where it is applicable, an identifiable, existing juristic Person, including, but not limited to— (a) information relating to the race, gender, sex, pregnancy, marital status, national, ethnic or social origin, colour, sexual orientation, age, physical or mental health, well-being, disability, religion, conscience, belief, culture, language and birth of the Person; (b) information relating to the education or the medical, financial, criminal or employment history of the Person; (c) any identifying number, symbol, e-mail address, physical address, telephone number, location information, online identifier or other particular assignment to the Person; (d) the biometric information of the Person; (e) the personal opinions, views or preferences of the Person; (f) correspondence sent by the Person that is implicitly or explicitly of a private or confidential nature or further correspondence that would reveal the contents of the original correspondence; (g) the views or opinions of another individual about the Person; and (h) the name of the Person if it appears with other Personal Information relating to the Person or if the disclosure of the name itself would reveal information about the Person;

      6. “POPIA” – means the Protection of Personal Information Act No. 4 of 2013;

      7. “Process” – means to process as defined in POPIA which for the avoidance of doubt means any operation or activity or any set of operations, whether or not by automatic means, concerning Personal Information, including— (a) the collection, receipt, recording, organisation, collation, storage, updating or modification, retrieval, alteration, consultation or use; (b) dissemination by means of transmission, distribution or making available in any other form; or (c) merging, linking, as well as restriction, degradation, erasure or destruction of information;

      8. “Processing Party” – means Processor of the Personal Information of the Data Subject, being for the purposes of this Privacy Policy, the Client as the Responsible Party thereof or truID as the Operator thereof as the case may be;

      9. “Responsible Party” – means a responsible party defined in POPIA, as being a public or private body or any other Person which, alone or in conjunction with others, determines the purpose of and means for processing Personal Information;

      10. “Use/Using/Used” - means all use of the truID System by You, of whatever nature including to access, utilise, load, execute, employ, store or display on, download data to, submit data from, or any application of the truID System. Use is deemed to occur where any one or more of such processes occur on the Equipment or any other device that initiates, activates or is activated by such processes. The manner in which the truID System may be used by You is defined specifically in these Terms and Conditions;

  3. THE TRUID SYSTEM

    1. The truID System can be Used by You to easily and immediately access, extract, process and share certain Personal Information of Yours including Your financial information with Your appointed third party service provider (“Your Service Provider”) and other authorised service providers, such as credit bureaus, who assist Your Service Provider and/or truID to provide their/Our services to You (Authorised Third Party Service Providers”) in a manner that ensures data privacy and authenticity for You and Your Service Provider. .

    2. The privacy of Your Personal Information is assured by the truID System authenticating You with Your bank using Your online banking credentials which are entered by You and not stored by truID or shared with any other parties.

    3. The authenticity of Your Personal Information is confirmed by retrieving Your financial information directly from Your bank and sharing it directly with Your Service Provider and Authorised Third Party Service Providers automatically, electronically and without the intervention of any other parties.

    4. By You consenting to these Terms, truID hereby agrees to provide You with access to and Use of the truID System, subject to and in accordance with the provisions of these Terms.

  4. ACCESS TO THE TRUID SYSTEM

    1. Access to and Use of the truID System:

      1. in order to Use the truID System You will be required to access the truID System via the truID web app on the appropriate Equipment;

      2. once You have accessed the truID System You will access Your online banking portal through the truID System and retrieve Your Personal Information using Your online banking login credentials. You hereby consent to truID processing such notices, pop-ups and communications required by the banks online banking portal to provide you with access to your online banking services. This processing by truID is automated by the truID System. You will then Use the truID System to share your Personal Information with Your Service Provider and their Authorised Third Party Service Providers. As soon as Your Personal Information is collected by the truID System it is encrypted and thereafter will only be transmitted and stored in encrypted form;

      3. Your Service Provider and their Authorised Third Party Service Providers will then, upon receipt of the Personal Information of Yours transmitted by the truID System, be able Process Your Personal Information and provide You with their services

      4. truID will not store your online banking log in credentials. It is Your responsibility to keep Your online banking login credentials confidential and secure and to ensure that Your login credentials are not disclosed to any persons including any representatives of Your appointed third party service provider.

  5. TERMS OF USE OF THE TRUID SYSTEM

By consenting to these Terms You consent to be bound by the following:

  1. You acknowledge and understand that through the Use of the truID System, the truID System will access certain Personal Information Yours. The truID System is only granted “read only” access. truID can only collect Your Personal Information;

  2. You undertake that all Personal Information provided by You is accurate and current information, and that You are not impersonating or misrepresenting any person or entity or falsely stating or otherwise misrepresenting Your affiliation with anyone or anything;

  3. You understand that for purposes of Processing of your Personal Information, Your Service Provider shall at all times be the Responsible Party. truID shall, only in those instances where it is mandated to do so on Your Service Provider’s behalf, be the Operator for the Processing of your Personal Information. truID does not have control of how your Personal Information is Processed or used by Your Service Provider or their Authorised Third Party Service Providers;

  4. You hereby expressly consent, subject to 6.a.vii, to your Personal Information being collected and stored by truID for historical, research and statistical purposes provided that Your Personal Information is collected and stored in an encrypted and de-identified or anonymized manner and will not be transmitted or published in an identifiable form;

  5. Please be aware that the truID System is Used entirely at Your own risk. truID makes no representations and/or warranties of any kind to You whether express or implied. truID accepts no liability, to You to the extent permitted by law, for any damages, howsoever arising, whether direct, indirect, incidental, special or consequential loss from the access to or Use of the truID System.

  6. truID accepts no liability, to You to the extent permitted by law, for any damages, howsoever arising, whether direct, indirect, incidental, special or consequential loss arising from a misuse of your Personal Information by Your Service Provider and/or their Authorised Third Party Service Providers nor for any actions, errors or omissions of or by Your Service Provider and/or their Authorised Third Party Service Providers which may be prejudicial to You. ;

  1. DATA PROTECTION AND PRIVACY POLICY

    1. truID is committed to the privacy of Your Personal Information. truID will only collect the minimum amount of Personal Information necessary for it or Your Service Provider or its/their Authorised Third Party Service Providers to provide its/their services to You. -

      1. truID uses a combination of technical, procedural and operational measures to keep Your Personal Information private, safe and secure. Please read more about our security.

      2. truID undertakes to You that it shall at all times use all appropriate measures to: -

        1. comply with the provisions of POPIA and any other privacy and data protection legislation applicable in all relevant jurisdictions governing the collection, storage, use and Processing of Personal Information;

        2. not Process Your Personal Information for any purpose other than as provided for in these Terms and ensure, in so far as is reasonably possible, that there is no breach of POPIA and/or any other applicable privacy and data protection laws;

        3. comply with any of Your specific instructions when Processing Your Personal information (to avoid doubt, the accessing, collecting, transmitting, storing and Processing of Your Personal Information constitutes such instructions);

        4. not disclose or otherwise make available Your Personal Information to any third party other than Your Service Provider and any Authorised Third Party Service Providers who require access to Your Personal Information strictly to enable Your Service Provider and/or truID to provide You with their/its services;

        5. ensure that the integrity and confidentiality of Your Personal Information in its possession or under its control is secure and remains confidential;

      3. immediately notify You of any infringements of POPIA or other applicable data protection legislation; and

      4. destroy or irretrievably delete (from all medium) Your Personal Information by agreement upon the receipt of a written request from You to destroy Your Personal Information.

    2. Unless You have disabled “cookies” in Your internet browser, truID will store cookies (small text files containing a string of characters) on Your Equipment when You access the truID System. These cookies enable truID to recognise You as a returning user, track your usage behaviour, as well as store Your user preferences and other information. truID. Cookies also allow truID to provide custom, personalised content and information, monitor the effectiveness of Our marketing campaigns and monitor aggregate metrics such as total number of users that have accessed the truID System.

    3. Upon written request received from You, truID will disclose the full details on the measures and protections taken by it to comply with POPIA and any other applicable privacy and data protection laws.

    4. Notwithstanding the aforementioned, You recognize and agree that hosting data online involves risks of unauthorised disclosure or exposure and that, in Using the truID System, You assume such risks. truID gives no representation, warranty, or guarantee that Your Personal Information will not be exposed or disclosed through errors or the actions of third parties.

    5. Please be aware that truID may change its privacy policy at any time. We will notify You of any lessening of Your rights or Our obligations regarding your Personal Information before such changes are made. The most current version of the Our privacy policy will govern Our use of Your Personal Information and will always be available at www.truid.co.za.

  2. QUERIES

    1. If you have a query or dispute in respect of truID, please contact us telephonically on +27 (0)84 716 1542 on weekdays between 8am and 5pm or alternatively on email at the following address info@truid.co.za. If the query or dispute relates to any information we have obtained from Your bank or other source on Your behalf, You acknowledge and understand that we may refer the query or dispute to them if we deem it appropriate.

FASTA is a registered credit provider NCRCP10591.

3rd Floor, Spaces, Dock Road Junction, Cnr Stanley & Dock Road, V&A Waterfront, Cape Town, 8001.

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