This privacy policy has been compiled to better serve those who are concerned with how their 'Personally Identifiable Information' (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.
These are the general terms of the relationship between:
They cover the website, with its home page accessible at www.bettr.app and apply to the use of:
You agree to be legally bound by the terms by visiting and using the website and engaging with us through our support channels. You may not use the website, the enrolment and support channels and must immediately stop doing so if you do not agree to the terms.
2.1 Definitions. In the agreement:
terms means the terms, consisting of:
we, us, or our means our organisation, the owner of the website and includes our officers, agents, employees, owners, co-brands, and associates where the terms limit or exclude our liability; and
you or your means any visitor to or other person who accesses or uses the website, including any other person, website, business, or agent (including any virtual or robotic agent) associated with the visitor; and
the website includes links to enrolment (for example signup via WhatsApp) and support channels (for example an Intercom chat) which can be accessed via the website.
2.2. Interpretation. If the meanings of any general terms conflict with any other relevant specific terms, the specific terms will apply. Specific terms, such as our terms of service, privacy notice, or security notice apply to specific sections of the website or have been specifically agreed between the parties.
3.1. Intended use. We make this website available with the sole intention of providing you with information about us, our subsidiaries and other members of our group of companies because you are interested in establishing a relationship with us.
3.2. Non-commercial purposes. You may only use this website for non-commercial purposes.
3.3. Licence. We grant you a limited licence to use this website on these terms. We may cancel your licence at any time for any reason. Your licence is automatically cancelled if you do not get our written permission before using this website in a way these terms do not allow.
3.4. Rights to access. You may view, copy, download to your device, print or distribute the content available through this website, provided that:
3.5. Home page linking. Any third-party website may link solely to the home page of this website and not to any other page or part of this website.
3.6. Alternative use or linking on written permission. You may only use or link to this website for any purpose, or in any way, not expressly permitted in these terms with our express prior written permission.
3.7. Right to revoke access. We may revoke your rights to use this website or the content at any time and for any reason, without notice or informing you.
3.8. Breach. If you breach any of the terms or infringe any other person’s rights (including copyright), we may cancel your licence, block you from using the website, claim specific performance or damages against you, and take any other steps the law allows, without affecting our rights.
4.1. Prohibited conduct. You must not, directly or indirectly, or allow anybody else to:
4.2. Apply to cached elements. These terms and any restrictions on the use of the website will also apply to any part of the website and content that is cached when using the website.
4.3. Monitoring. We may monitor whether you are complying with these terms.
5.1. Do not rely on content. You must not rely on the content for any purpose, because it may not be accurate, complete, adequate, or current.
5.2. No warranties. We, members of our group, and third party data providers give no warranties with respect to this website or the content, including in relation to the accuracy, completeness, adequacy, timeliness, or comprehensiveness of the content.
5.3. No responsibility. We, members of our group, and any third party data providers accept no responsibility, and will not be required, to update the website or the content or to notify you or other users of content that is inaccurate, incomplete, inadequate or out-of-date.
6.1. No advice. This website and the content must not be construed as constituting any form of investment advice or recommendation, guidance or proposal of a financial nature. We are not a financial service provider (or similar institution) licensed as under any applicable law or regulation (including the South African Financial Advisory and Intermediary Services Act, 37 of 2002 (as amended) in South Africa). This website and the content must not be construed as canvassing for, or marketing, or advertising of financial services in any jurisdiction. You should make your own investment decisions and consult your own advisers as to legal, tax, business, financial and related aspects of an investment in any securities of our organisation or members of our group.
6.2. No professional advice. None of the content is professional advice or the official opinion of our organisation or members of our group. You are encouraged to consult professional advice before taking any course of action related to the content.
7.1. Scope. This website contains ‘forward-looking statements’. These statements are based on the current expectations and views of future events and developments of our management and are naturally subject to uncertainty and changes in circumstances. When used in this website, words such as ‘anticipate’, ‘believe’, ‘estimate’, ‘expect’, ‘intend’, ‘plan’, ‘will’, ‘may’, ‘would’, ‘could’ and ‘project’ are intended to identify forward-looking statements. All statements, other than statements of historical facts, are, or may be deemed to be, forward-looking statements.
7.2. No undue reliance. Undue reliance should not be placed on the forward-looking statements as they are reflective of the views of our management as of a particular date, made with respect to future events and are subject to risks and uncertainties, some of which are outside our control. There are important factors, risks and uncertainties that could cause actual outcomes and results to be materially different from those projected on the website.
7.3. Read in conjunction with cautionary statements. The forward-looking statements should be read in conjunction with other cautionary statements that are included elsewhere, and any other documents we have made public. Any forward-looking statements are qualified in their entirety by these cautionary statements, and there can be no assurance that the actual results or developments anticipated by us will be realised or, even if substantially realised, that they will have the expected consequences to, or effects on, us or our business or operations. Except as required by law, we undertake no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.
You promise that you are entitled to visit this website and agree to the terms because you:
You promise that you will only give accurate information to us and this website.
10.1. Ownership. Except as provided to the contrary in the agreement, all rights, title, interest, and ownership (including all rights under all copyright, patent, and other intellectual property laws) in, to, or of this website are our sole property or will vest in us or a third-party licensor. All moral rights are reserved.
10.2. Your rights. Your rights to use the website and its content are limited to those that we give to you in these terms.
10.3. Restrictions. Except as expressly permitted under the agreement, the website and its content may not be:
10.4. Proprietary notices. You may not remove any copyright, trademark or other proprietary notices from the content.
10.5. Trademarks. Our logo and sub-logos, marks, trade names, and images of them are our trademarks and no person may use them without our permission, subject to the following:
10.6. Authorised users’ trademark licence. We grant all authorised users a licence to use our trademarks subject to the following limitations:
10.7. Authorised users’ use requirements. You may only use our trademarks in accordance with our authorised users’ trademark licence, provided that:
We may revoke your licence to use our trademarks as an authorised user if you fail to comply with any of these requirements.
10.8. Desist use immediately on request. You must stop using our trademarks or other content immediately if we ask you to.
10.9. Other trademarks. Any other trademark or trade name that may appear in the website’s content is the property of its respective owner.
11.1. Basis. We value your feedback about our website and its content. It helps us improve them. But, please ensure that your feedback does not contain any unsolicited ideas. The purpose of this restriction is to avoid potential misunderstandings or disputes if our website and its content incorporate an idea similar to an unsolicited idea that you submitted to us in your feedback.
11.2. Definitions. In this clause:
11.3. No obligation to you. We are not obliged to compensate or credit you for your feedback in any way unless we have a written agreement with you to do so.
11.4. Your obligation to us. When you submit your feedback to us, you:
11.5. Submission. You can submit any feedback to us by email or through any of our other feedback channels.
11.6. Ideas. Please send us your contact details if you have an unsolicited idea. Please do not send us anything related to the actual unsolicited idea. We may contact you directly for more information about your unsolicited idea, but are under no obligation to do so.
12.1. Own risk. We provide the website ‘as is’. We do not give any express or implied warranty or make any other promise about this website. For example, we do not warrant that it is good quality, fit for any particular purpose, accurate, complete, up-to-date, legally effective or secure. We also do not warrant that it is free of latent defects, errors, malicious software or infringing content, or that you will have quiet or uninterrupted use of it.
12.2. Indemnity. You indemnify (or promise to protect) us against any claim, demand, loss, damage, cost, or liability (including reasonable attorneys’ fees) related to your use of this website.
12.3. Faults. We will do our best to fix any fault in this website as soon as reasonably practical after we find out about it. This is the limit of our responsibility and liability for any fault in the website.
12.4. Direct damages limited. If the previous clause does not apply for any reason, our maximum liability to you for all claims for direct damages is R100. This limit applies whether a claim is based on contract, delict (tort) or any other legal cause of action.
12.5. Indirect damages. We will never be responsible for any indirect or consequential damages or losses, even if we should have foreseen them. These may include any loss of profit, loss of goodwill, loss of use or damages related to lost or damaged data.
12.6. Other websites. We are not responsible for anyone else’s website.
13.1. Entire agreement. The terms are the entire agreement between the parties on the subject.
13.2. Changes to website. We may change or stop publishing this website without notice and will not be responsible for any consequences.
13.3. Changes to terms. We may change the terms at any time by placing a notice on this website or updating this web page. If you do not agree with the change, you must stop using this website or the changed terms will apply to you.
13.4. Facts about website. If an administrator of this website signs a letter confirming any fact related to the website, that letter is conclusive proof of its contents. These may include the version of the terms that apply to any dispute, or what content or functions the website had at a particular time or date.
13.5. Waiver. We never waive (give up) our rights, even if we allow you any favour or extension of time, or we delay enforcing our rights against you.
13.6. Severability. Any term that is invalid, illegal or cannot be enforced must be regarded as deleted. The remaining terms continue as intended.
13.7. Law and jurisdiction. South African law and conditions (such as time and date) govern the terms. Only the South African courts may decide any dispute about the terms.
13.8. Enquiries. Please contact us by email to info@bettr.app if you have any questions about these terms of use or how we let you use this website or its content.