Email Disclaimer & Policy

These terms and conditions apply to the e-mail communication, attachments, and all subsequent communications and attachments that Cred-it-data Online Holdings Pty Ltd (registration number: 2007/020998/07) or any of its subsidiaries (“we”/”us”) may send you (collectively referred to as “the communication”).


The contents of this e-mail and any accompanying documentation are confidential and may be subject to legal privilege and client confidentiality. Any use by anyone other than the addressee is strictly prohibited.

If you are not the intended recipient of this e-mail (or such person’s authorised representative), then please notify us immediately by return e-mail or support@creditdata.co.za, facsimile, or telephone, and delete this message from your system. You may not print, store, forward or copy this message or any part thereof or disclose or cause information in this message to be disclosed to any other person.


The content of this email and any accompanying documentation relating to the business and its subsidiaries are owned by the business and are protected by copyright and other intellectual property laws. All rights not expressly granted are reserved.

Electronic Communications

By communicating with us through electronic means, you consent to receive communications electronically and agree that all agreements, notices, disclosures and all other communications transmitted by electronic means satisfy any legal requirement, including but not limited to, the requirement that such communication should be “in writing”.

Unless otherwise agreed, we are only deemed to have received an email once we have confirmed receipt thereof; and we are deemed to have sent an email once reflected as “sent” on our email server.


The business will not be liable if any variation is affected on any document or correspondence emailed unless the variation has been approved by the sender. The business cannot be held liable for any harm or loss resulting from viruses in this message or attachments, including data corruption that results. The business disclaims liability or legal responsibility for the non-delivery or incorrect delivery for whatever reason of the contents of this message, its effect on electronic devices, or its transmission via an unencrypted medium.

Personal use by employees

Any views or opinions expressed in this message are those of the individual sender and do not create obligations on, or represent any commitment by the business, except where the sender specifically states it to be the views or opinions of the business. If this message contains offensive, derogatory or defamatory statements or materials, it means the message has been sent outside the sender’s scope of employment with the business and only the sender can be held liable in their personal capacity.

Interception and monitoring

The business reserves the right to monitor, review and disclose all information transmitted or received by employees via email. Employees do not have any privacy right in the creation of, sending of, receipt of, or storage of information (e.g. email messages, internet pages) on the systems of the business.


Only duly authorised staff acting within the scope of their authority are able to bind us contractually. Unless expressly indicated as such, nothing in this e-mail constitutes an offer, warranty, representation solicitation, recommendation, endorsement, or offer by the business, but is merely an invitation to do business. Any advice or information contained in this e-mail is subject also to any terms and conditions between parties found on our Terms and Conditions of Use page.

Governing law

This email and any accompanying documentation are to be interpreted and implemented in accordance with the laws of the Republic of South Africa.


Any dispute which arises in regard to the interpretation of, or the carrying into effect of, or any of the parties’ rights and obligations arising from this email or accompanying documentation will be submitted to and be referred for decision by a single arbitrator, to be agreed upon between the parties, or, in default of agreement for fourteen days, to be appointed at the request of either party in accordance with, and subject to, the provisions of the Arbitration Act 42 of 1965, as amended.

PAIA and PoPIA Manual 2023,
This manual was prepared in accordance with section 51 of the Promotion of Access to Information Act, 2000 (PAIA) and to address requirements of the Protection of Personal Information Act, 2013 (“PoPIA”)

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