Your use of this website constitutes your agreement to be bound by these Terms and Conditions.

This website, including all of its features and content ("Website"), is a service made available by B Doyle & Associates("the Provider"). All content, information and services made available on or through this Website may only be used in accordance with these Terms and Conditions.

If you do not agree to these Terms and Conditions, you should discontinue use of this Website immediately.

Definitions and Interpretation

For the purposes of these Terms and Conditions:

Content refers to all material made available on the Website, including but not limited to:

Text

Images

Audio

Video

PDF documents

Downloads

Any other digital content

Submissions include any information submitted through the Website, including:

Notes

Comments

Questions

Suggestions

Ideas

Creative material

Communications

Data submitted electronically

Provider means B Doyle & Associates CC (Registration Number: 1996/026604/23).

User means any person who visits, accesses or uses this Website, including visitors to the homepage.

Website refers to the B Doyle & Associates website and all pages, features and associated content.

Unless the context indicates otherwise:

Words importing the singular include the plural and vice versa.

References to one gender include all genders.

References to natural persons include legal entities where applicable.

1. Website Licence

As a user of this Website, you are granted a limited, non-exclusive, non-transferable and revocable licence to access and use this Website and its content in accordance with these Terms and Conditions.

This licence may be terminated by the Provider at any time and for any reason without prior notice.

2. Important Notice

These Terms and Conditions apply to consumers as contemplated in the Consumer Protection Act, 68 of 2008 (CPA).

Your attention is specifically drawn to these Terms and Conditions because they contain important provisions that may affect your legal rights and responsibilities.

If there is any provision that you do not understand, it is your responsibility to request clarification from B Doyle & Associates before continuing to use this Website.

By accessing or using this Website in any manner whatsoever, you acknowledge that you have read, understood and accepted these Terms and Conditions in full.

If you do not agree to these Terms and Conditions, you must immediately discontinue use of this Website.

3. Trade Marks, Copyright and Restrictions on Use

Unless otherwise stated, all content available on this Website is provided for your personal, non-commercial use only.

The content published on this Website is protected under:

South African Copyright Law

South African Trade Mark Law

International copyright legislation

International trade mark legislation

Applicable international conventions

Permitted Use

You may:

View the Website.

Download or print one copy of content for your personal, non-commercial use.

Quote reasonable portions of content provided the quotation:
- Is clearly identified using quotation marks.
- Properly acknowledges B Doyle & Associates as the source.

Prohibited Use

Without the Provider's prior written consent, you may not:

Copy, reproduce or duplicate Website content.

Modify or adapt Website content.

Publish or republish Website content.

Upload or distribute Website content.

Broadcast or transmit Website content.

Sell, licence or commercially exploit Website content.

Create derivative works based on Website content.

Reverse engineer any part of the Website.

Remove copyright notices or proprietary notices.

Frame the Website within another website.

Use the Website to transmit false, misleading, fraudulent or unlawful communications.

Website Access

Certain services or content may require user registration.

Where registration is required, users must provide accurate information and may be required to verify their account via email.

Automated Access

Users may not use:

Robots

Web crawlers

Spiders

Automated software

Data extraction tools

Monitoring software

to access, monitor or copy Website content without prior written permission from B Doyle & Associates.

Hyperlinks

Links to this Website should direct users to the homepage unless prior written permission has been obtained.

Users creating links to pages beyond the homepage do so entirely at their own risk.

B Doyle & Associates accepts no liability for any damages arising from the use of content accessed through unauthorised deep linking.

Limitation of Liability

B Doyle & Associates shall not be liable for any damage, loss or liability arising from:

The use of Website content.

Content obtained from third parties.

Unauthorised reproduction or distribution of Website content.

Hyperlinks created without permission.

4. Not Legal Advice

The information published on this Website is provided for general information purposes only.

Nothing contained on this Website constitutes legal advice, professional advice or a substitute for obtaining professional assistance specific to your circumstances.

Although every reasonable effort is made to ensure the accuracy and completeness of the information published, B Doyle & Associates makes no warranties or guarantees regarding the accuracy, completeness or currency of the content.

Any reliance placed on information contained on this Website is entirely at the user's own risk.

5. Intellectual Property Rights and Domain Name Use

All intellectual property appearing on this Website, including but not limited to:

Text

Graphics

Logos

Icons

Images

Databases

Software

Design elements

Hyperlinks

Domain names

Trade marks

Patents

is the property of, or licensed to, B Doyle & Associates and is protected by South African and international intellectual property laws.

Except for the limited licence granted under these Terms and Conditions, all intellectual property rights remain reserved.

No ownership rights are transferred to any user through access to this Website.

6. Software and Equipment

Users are responsible, at their own expense, for obtaining and maintaining all hardware, software, internet connections and telecommunications services required to access and use this Website.

B Doyle & Associates accepts no responsibility for any costs incurred in accessing the Website.

7. Changes and Amendments

B Doyle & Associates reserves the right, at its sole discretion and without prior notice, to:

Amend these Terms and Conditions.

Update, modify or remove Website content.

Introduce or discontinue products or services.

Suspend or discontinue any part of the Website.

Change the technical requirements necessary to access the Website.

Continued use of the Website after any amendments constitutes acceptance of the updated Terms and Conditions.

8. Privacy

B Doyle & Associates is committed to protecting the privacy of users and processing personal information responsibly.

Personal information is processed in accordance with applicable legislation, including:

The Protection of Personal Information Act (POPIA)

The Promotion of Access to Information Act (PAIA)

The General Data Protection Regulation (GDPR), where applicable

Personal Information We May Collect

Depending on your interaction with the Website, we may collect information including:

Name and surname

Date of birth

Gender

Physical address

Telephone numbers

Email address

IP address

Passwords selected by users

Website browsing behaviour

Click patterns

Usage statistics

How We Use Your Information

Personal information may be used to:

Provide requested services.

Respond to enquiries.

Deliver customer support.

Improve our Website and services.

Send service-related communications.

Send marketing communications where consent has been provided.

Produce anonymous statistical reports regarding Website usage.

Disclosure of Information

Personal information will not be disclosed to third parties except:

Where required by law.

Where the user has given consent.

Where disclosure is necessary to provide requested services.

Where required through lawful legal process.

Aggregated, anonymous statistical information may be compiled and used for business purposes.

9. Hyperlinks to Third-Party Websites

This Website may contain links to external websites operated by third parties.

These links are provided for convenience only.

The inclusion of a hyperlink does not constitute:

Endorsement

Recommendation

Approval

Partnership

with the linked website or its operators.

B Doyle & Associates has no control over third-party websites and accepts no responsibility for:

Their content.

Their availability.

Their privacy practices.

Their products or services.

Any damages arising from their use.

Users access third-party websites entirely at their own risk.

10. Security

B Doyle & Associates takes reasonable steps to protect the Website and its content from unauthorised access, misuse and cyber threats.

However, no Website can be guaranteed to be completely secure.

User Responsibilities

Users must not:

Introduce viruses or malicious software.

Attempt to gain unauthorised access to the Website.

Circumvent Website security measures.

Interfere with Website functionality.

Attempt to compromise Website servers or networks.

Any person causing damage to the Website may be held liable for all resulting losses and damages.

Website Security

While reasonable measures are taken to secure the Website:

No warranty is given that the Website is free from viruses or harmful code.

No guarantee is given that communications transmitted through the Website are secure.

Users remain responsible for protecting their own systems and devices.

11. Disclaimer and Limitation of Liability

The Website and all information, products and services are provided on an "as is" basis.

To the fullest extent permitted by law, B Doyle & Associates, its owners, employees, affiliates, suppliers and service providers shall not be liable for any direct or indirect loss, damage or liability arising from:

Accessing the Website.

Inability to access the Website.

Use of Website content.

Reliance on Website information.

Downloads obtained from the Website.

Services provided through the Website.

Links to third-party websites.

Technical interruptions.

System failures.

Viruses or malicious software.

Any cause beyond the reasonable control of B Doyle & Associates.

Professional Advice

Information made available on this Website should not be regarded as professional, financial or legal advice.

Users are encouraged to seek appropriate professional advice before acting on any information obtained from this Website.

Website Availability

Although every reasonable effort is made to ensure continuous Website availability, B Doyle & Associates does not guarantee uninterrupted access.

The Website may become unavailable due to:

Scheduled maintenance.

Software updates.

Internet outages.

Power failures.

Technical faults.

Cyber incidents.

Events beyond our reasonable control.

B Doyle & Associates shall not be liable for any losses arising from temporary or permanent interruptions to the Website.

12. Removal and Correction of Content

B Doyle & Associates strives to ensure that all information published on this Website is accurate, lawful and up to date.

If you believe that any content published on this Website is:

Incorrect

Inaccurate

Defamatory

Illegal

Infringing

Harmful

you are encouraged to notify us.

Where reasonable grounds exist, B Doyle & Associates will investigate the matter and may correct, amend or remove the content where appropriate.

13. Interception of Communications

Subject to the provisions of the Regulation of Interception of Communications and Provision of Communication-Related Information Act (RICA) and other applicable legislation, users acknowledge and agree that B Doyle & Associates may, where permitted by law:

Intercept communications.

Monitor communications.

Block communications.

Filter communications.

Read communications.

Store communications.

Delete communications.

Disclose communications where legally required.

This applies to communications sent to or from the Website, including communications directed to employees or representatives of B Doyle & Associates.

By using this Website, you acknowledge that your electronic communications may be processed in accordance with applicable legislation.

14. Unlawful Activity

B Doyle & Associates reserves the right to investigate any suspected misuse of this Website, including:

Breaches of these Terms and Conditions.

Fraudulent activity.

Unauthorised access.

Illegal conduct.

Security breaches.

Where appropriate, information relating to suspected unlawful activity may be provided to:

Law enforcement authorities.

Regulatory bodies.

Government agencies.

Other parties where required by law.

B Doyle & Associates may take any action considered necessary to protect its Website, users and legal rights.

15. Entire Agreement and Severability

These Terms and Conditions constitute the entire agreement between B Doyle & Associates and the user regarding the use of this Website.

They replace any previous agreements, notices or understandings relating to the use of this Website.

If any provision of these Terms and Conditions is found to be unlawful, invalid or unenforceable, that provision shall be severed from the remaining provisions.

The remaining provisions shall continue in full force and effect.

16. Applicable Law

This Website is hosted, controlled and operated within the Republic of South Africa.

Accordingly:

These Terms and Conditions are governed by the laws of South Africa.

Any disputes arising from the use of this Website shall be subject to the jurisdiction of the South African courts.

17. Termination

Your use of this Website constitutes acceptance of these Terms and Conditions from the date you first access the Website.

If you do not accept these Terms and Conditions, you must immediately discontinue use of the Website.

B Doyle & Associates reserves the right to terminate or suspend your access to the Website at any time and without prior notice where it considers such action necessary.

Upon termination, you must immediately cease using the Website and destroy any downloaded materials obtained from the Website where required.

B Doyle & Associates reserves the right to claim damages or pursue any legal remedies available where unauthorised use of the Website results in loss or damage.

Users further indemnify B Doyle & Associates against any claims arising from unauthorised use of the Website.

Contact Us

If you have any questions regarding these Terms and Conditions, please contact us.

B Doyle & Associates

Physical Address
B Doyle & Associates Group
Eastgate Lane, Block D,
East Wing, First Floor,
5 Iris Road, Bedfordview

Telephone
+2711-268-6652

Email
info@bdoyle.co.za

Website
www.bdoyle.co.za

Copyright Notice

Unless otherwise expressly stated, all content published on this Website remains the intellectual property of B Doyle & Associates and may not be copied, reproduced, distributed or otherwise used without prior written permission.