1. INTRODUCTION
1.1 These Terms (as that term is defined in clause 2.7 below) govern your access to and use of the website located at Omnipark, Groud Floor, Building 2, Cnr Sailor Malan & Aerodrome Roads and associated web pages (hereafter referred to as the “Website“). The Website is owned and operated by NRB Risk Solutions Proprietary Limited hereinafter referred to as “NRB”.
1.2 These Terms are binding on everyone who chooses to access the Website without qualification or exception. By using the Website, the User (as that term is defined in clause 2.2.8 below) agrees to be bound by and shall be regarded to have accepted to abide by these Terms, and acknowledges to have read and understood them. If the User does not agree to any of the Terms, the User should not enter, view or make use of the Website
1.3 These Terms must be read together with our privacy policy located at www.nrb.co.za (“Privacy Policy”).

2. DEFINITIONS
2.1 Please note that these Terms make use of a series of terms and phrases, listed below, which have specific meanings in these Terms.  In these Terms, headings are for convenience and shall not be used in its interpretation.

2.2 The following expressions shall bear the meanings assigned to them below and related expressions shall bear corresponding meanings –
2.2.1 “access” when used in the context of –
2.2.1.1 a website, means to visit, use, load in a web browser, mobile phone or similar software application or device or otherwise engage with a website; and

2.2.1.2 content, means to copy, download, view, modify, adapt, load in a web browser, mobile phone, software application or device or to otherwise engage with and/or manipulate such content;

2.2.2 “content” means all information (such as data files, written text, computer software, music, audio files or other sounds, photographs, videos or other images) which you may have access to as part of, or through your access to the Website;

2.2.3 “intellectual property” means, collectively, the patents, copyrights (and moral rights), trademarks, designs, models, brands, names, trade names, graphics, icons, hyperlinks, know-how, trade secrets and any other type of intellectual property (whether registered or unregistered including applications for and rights to obtain or use same) which we own, license, use and/or hold (whether or not currently) on or in connection with the Website;

2.2.4 “know-how” means all the ideas, designs, documents, diagrams, information, devices, technical and scientific data, secrets and other processes and methods we use in connection with the Website, as well as, all available information regarding marketing and promotion of the products and services described in these terms of use, as well as all and any modifications or improvements to any of them;

2.2.5 “Portal” means the web-based handover system located on the Website that enables Users who have registered in terms of clause 3 below to upload their debtors’ account information;

2.2.6 “post” means to upload, publish, transmit, share or store;

2.2.7 “Terms” means these terms and conditions of use, as amended from time to time, including our Privacy Policy;

2.2.8 “you” and “Users” means the Website’s user(s); and

2.2.9 “us”, “we” and “NRB” means NRB Risk Solutions Proprietary Limited, registration number 2007/023356/07, a private company incorporated in accordance with the laws of the Republic of South Africa (including our affiliates and subsidiaries).

2.3 Unless inconsistent with the context, an expression which denotes:

2.3.1 any one gender includes the other genders;

2.3.2 the singular includes the plural and vice versa.

2.4 Where any term is defined within the context of any particular clause in these Terms, the term so defined, unless it is clear from the clause in question that the term so defined has limited application to the relevant clause, shall bear the same meaning as ascribed to it for all purposes in terms of these Terms, notwithstanding that that term has not been defined in this clause 2.

2.5 The expiration or termination of these Terms shall not affect such of the provisions of these Terms as expressly provide that they will operate after any such expiration or termination or which of necessity must continue to have effect after such expiration or termination, notwithstanding that the clauses themselves do not expressly provide for this.

3. ACCOUNT REGISTRATION

3.1 In order to access and use the Portal, you are required to register an account (“Account“).

3.2 By making an application to register an Account (“Application“), you agree to provide accurate and current information.

3.3 Once you have completed the Application, an administrator will review your Application and contact you to verify the information you have provided.

3.4 Should your Application be successful, your Account will be activated.

3.5 You will be able to create a username and password (“Registration Details”) to access the Portal, which shall be solely for your use and you are to keep these details strictly confidential at all times. Your Registration Details are for your sole use. You may not allow other persons or entities to use your Registration Details, and you may not transfer your Account to any other person or entity.

3.6 You are responsible for safeguarding the Registration Details you use to access the Portal and agree to be fully responsible for activities or transactions that relate to your Account or Registration Details. You must notify NRB immediately if you learn of an unauthorised use of your Account or Registration Details.

4. LEGAL AGE AND CAPACITY

4.1 In the event that you are a natural person:

4.2 you may not access the Website and may not accept these Terms if: (i) you lack the legal capacity to enter into a binding contract with us; or (ii) are a person barred from accessing to the Website under the laws of the Republic of South Africa or other countries, including the country in which you are resident or from which you make access the Website; and

4.3 in accessing the Website, you represent and warrant that you are of full legal age, or are emancipated or have your guardian’s consent to enter into a contract and to these Terms.

5. CONTENT OF THE WEBSITE

5.1 We reserve the right, in our sole discretion, to, and you agree that we may, amend these Terms at any time, in any way and from time to time.  The amendments shall come into effect immediately and automatically and you will be bound by them.  It is your responsibility to review these Terms regularly and to ensure that you familiarise yourself with any amendments to these Terms.  If you do not agree with any amendments to these Terms, you may no longer access the Website.

5.2 We may use the services of third parties to provide information on the Website. The User is to note that we have no control over this information and make no representations or warranties of any nature as to accuracy, appropriateness or correctness thereof. As such, the User agrees that such information is provided “as is” and that we shall not be liable for any losses or damages that may arise from the User’s reliance on it, howsoever these may arise.

5.3 We make no representations or warranties, whether express or implied, as to the accuracy, completeness or reliability of any information, data and/or content on the Website, including without limitation:

5.3.1 we do not warrant that the Website or information or downloads shall be error-free or that they shall meet any particular criteria of performance or quality. In fact, we expressly disclaim all implied warranties, including without limitation, warranties of merchantability, fit-ness for a particular purpose, non-infringement, compatibility, security and accuracy;

5.3.2 whilst we have taken reasonable measures to ensure the integrity of the Website and its content, no warranty, whether express or implied, is given that any files, downloads or applications available via the Website are free of viruses, or any other data or code which has the ability to corrupt, damage or affect the operation of the User’s system; and

5.3.3 we disclaim any responsibility for the verification of any claims. Information published on the Website may be done so in the format in which we receive it and statements from external parties are accepted as fact.

6. CHANGES TO THE WEBSITE

6.1 We may add new features and modify or even discontinue existing features without notice to you and in our sole discretion.  You agree to this.

6.2 You are free to stop accessing the Website at any time without notifying us.  Doing so will not affect the results of or remove the effects of your access to the Website.

7. PERSONAL INFORMATION

7.1 Please refer to our Privacy Policy for further information about the personal information we collect from you through your access to the Website and how we process this personal information.

7.2 We may ask you to submit your personal information to us through the Website in order to access aspects of the Website or make use of services we offer on or through the Website.

7.3 You warrant that the personal information you submit is accurate, current and complete.  You will be denied access to the Website should you breach this warranty or subsequently be found to have breached this warranty.

7.4 We may take steps to verify your personal information which you submit to us. You irrevocably consent to this verification process.  You acknowledge and agree that your access to the Website may be limited until such time as the verification process has been successfully completed.

7.5 Should you not agree to the verification process or withhold your consent as contemplated above, your access to the Website, generally, may be suspended or terminated and you waive any claims you may have against us, our officers, directors, employees, servants, agents and/or contractors arising out of our denial of access to you to the Website.

8. PRIVACY POLICY

We shall take reasonable steps to protect your personal Information.  Details of what personal information we collect, what we do with it and what you should know about submitting personal information when you access the Website can be found in our Privacy Policy.  We recommend you read our Privacy Policy very carefully before you access the Website.

9. ACCEPTABLE USE

9.1 We reserve the right to disable the User’s log-in at any time at our discretion and the User agrees not to use his/her log-in details or attempt to access the Website after the User’s log-in has been disabled.

9.2 You may not access the Website for or in conjunction with any illegal, unlawful or immoral purposes or as prohibited by these Terms.

9.3 You agree to comply with all local laws, rules and regulations regarding your conduct on the Website.

9.4 You agree to adhere to generally acceptable internet and e-mail etiquette. In this regard, without being limited to the examples listed below, you agree not to:

9.4.1 engage in any abuse of e-mail or spamming, including, without being limited to –

9.4.1.1 the posting or cross-posting of unsolicited content with the same or substantially the same message to recipients that did not request to receive such messages; and

9.4.1.2 inviting people who you may be connected to using third party services to access the Website where those people may not wish to receive such invitations or similar communications (in other words, make sure your contacts on other services are receptive to receiving invitations to joining us and accessing the Website or other communications you send them from us);

9.4.2 engage in any activity intended to entice, solicit or otherwise recruit Website users to join an organisation except where we expressly authorise such activities in writing;

9.4.3 take any action aimed at deceiving or misleading any person, attempt to impersonate or misrepresent your affiliation to any person or forge headers or otherwise manipulate identifiers in order to disguise the origin of anything posted or transmitted through the Website;

9.4.4 use the Website to post or transmit anything which is defamatory, discriminatory, obscene, offensive, threatening, abusive, harassing, harmful, hateful or which carries child pornography, religious or racial slurs or threatens or encourages bodily harm or the like or which may violate any person’s personality rights;

9.4.5 use the Website to make fraudulent offers to sell or buy products, items or services or to offer or solicit for any type of financial scam such as “pyramid schemes” and “chain letters”;

9.4.6 use the Website in a manner that may infringe the intellectual property rights or other proprietary rights of others;

9.4.7 use the Website to post anything which contains viruses or any other destructive features, regardless of whether or not damage is intended;

9.4.8 gather e-mail addresses and/or names for commercial, political, charity or like purposes or use the services to collect or attempt to collect personal information about third parties without their knowledge or consent;

9.4.9 violate the privacy of any person in any way including, but not limited to, sharing any person’s personal information without their consent to do so;

9.4.10 attempting to gain unauthorised access to the Website or any other network, including (without being limited to) through hacking, password mining or any other means;

9.4.11 otherwise use the Website to engage in any illegal or unlawful activity.

9.5 Should you engage in any one or more of the above practices, which shall be determined in our sole discretion (and which decision shall be final), then we shall be entitled, without prejudice to any other rights we may have, to:

9.5.1.1 without notice, suspend or terminate your access to the Website;

9.5.1.2 hold you liable for any costs we incur as a result of your misconduct; and/or

9.5.1.3 notwithstanding our Privacy Policy referred to above, disclose any information relating to you, whether public or personal, to all persons affected by your actions where we are compelled by law to do so.

10. LIMITATION OF LIABILITY

10.1 To the fullest extent permissible by law, we disclaim all warranties of any kind, whether express or implied, including without limitation to the implied warranties that the content published to the Website is fit for any purpose.

10.2 When you access the Website, it is entirely at your own risk. The Website is made available to you “as is”.

10.3 Although we take steps to verify information presented on or through the Website, we do not warrant the accuracy or reliability of any advice, opinion, statement, or other information contained in, displayed on, linked to or distributed through the Website that we and/or other users may publish to the Website.  You acknowledge that any reliance upon any such opinion, advice, statement or information shall be at your sole risk.  We reserve the right, in our sole discretion, to correct any errors or omissions on or relating to the Website without notice to you.

10.4 Information, ideas and opinions expressed on or through the Website should not be regarded as professional advice or our official opinion and you are strongly advised to seek appropriate professional advice before acting on such information.

10.5 Whilst we take reasonable precautions in our operation of the Website, neither we or our agents or representatives will assume any responsibility and neither we or our agents or representatives (in whose favour this constitutes a stipulatio alteri or stipulation for another) shall be liable for any damages to or for viruses that may infect your computer equipment or other property when you access the Website.  Any content you access through the use of the Website is done at your own discretion and risk and you will be solely responsible for any damage to your computer system or loss of data that results from accessing to the Website.

10.6 We will use reasonable endeavours to make the Website available to you, and keep the Website available to you at all times.  However, you agree that we shall not be liable in respect of any loss or damage caused by or arising from the unavailability of, any interruption in or your use of the Website access (either in part or as a whole) for any reason whatever.

10.7 You further agree that under no circumstances whatsoever, including as a result of our negligent acts or omissions or those of our directors, officers, servants, agents or contractors or other persons for whom in law we may be liable, shall we or our directors, officers, servants, agents or contractors or other persons for whom in law we may be liable (in whose favour this constitutes a stipulatio alteri or stipulation for another), be liable for any direct, indirect, extrinsic, special, penal, punitive, exemplary or consequential loss, damage or damages of any kind whatsoever or howsoever caused (whether arising under contract, delict or otherwise and whether the loss was actually foreseen or reasonably foreseeable), including but not limited to any loss of profits, loss of revenue, loss of operation time, corruption or loss of information, content or data and/or loss of contracts sustained by you, your directors, servants, dealers or customers, resulting from your use of or inability to access to the Website.

10.8 To the extent permissible by law:

10.8.1 Neither NRB, its affiliates, shareholders, agents, consultants or employees shall be liable for any damages whatsoever, including without limitation any direct, indirect, special, incidental, consequential or punitive damages, howsoever arising (whether in an action arising out of contract, statute, delict or otherwise) related to the use of, or the inability to access or use the content of the website or any functionality thereof, or the information contained on the Website, or of any linked website, even if NRB knows or should reasonably have known or is expressly advised thereof;

10.8.2 the liability of NRB for faulty execution of the website as well as all damages suffered by the user, whether direct or indirect, as a result of the malfunctioning of the Website shall be limited to NRB rectifying the malfunction, provided that NRB is notified immediately of the damage or faulty execution of the Website. This liability shall fall away and be expressly excluded if the User attempts to correct or allows third parties to correct or attempt to correct the Website without the prior written approval of NRB.

10.9 The User’s use of the Website and the information contained on the Website is entirely at the User’s own risk and the user assumes full responsibility and risk of loss resulting from the use thereof.

10.10 The transmission of information via the internet, including without limitation e-mail, is susceptible to monitoring and interception. The User bears all risk of transmitting information in this manner. Under no circumstances shall NRB be liable for any loss, harm, or damage suffered by the user as a result thereof.

11. INDEMNITY

You hereby indemnify us and our office bearers, employees, servants, agents and/or contractors and/or other persons for whom in law we may be liable (in whose favour this constitutes a stipulatio alteri or stipulation for another) from any loss, damage, damages, liability, claim or demand due to or arising out of your (i) access to the Website and/or (ii) your breach of these Terms.

12. SECURITY

12.1 In order to ensure the security and reliable operation of the services to all Users, we reserve the right to take whatever action we may deem necessary to preserve the security, integrity and reliability of the Website.

12.2 You may not utilise the Website in any manner which may tamper with the Website in any way whatsoever, which shall include without limitation, gaining or attempting to gain unauthorised access to the Website, or delivering or attempting to deliver any unauthorised, damaging or malicious code to the Website, all of which is expressly prohibited. Any person or entity which does so, or attempts to do so, shall be held criminally liable. Further, should we suffer any damage or loss, civil damages shall be claimed by us against the you.

12.3 Should you commit any of the offences detailed in Chapter 13 of the Electronic Communications and Transactions Act, 2002 (“ECT Act“) (specifically, sections 85 to 88 (inclusive)) you shall, notwithstanding criminal prosecution, be liable for all resulting liability, loss or damages suffered and/or incurred by us and our affiliates, agents and/or partners.

13. INTELLECTUAL PROPERTY RIGHTS

13.1 All intellectual property rights in and to the Website (including the Portal) and all content published on or via the Website (“Proprietary Material”) are the property of, or are licensed to, us and as such, are protected from infringement by local and international legislation and treaties.

13.2 All rights not expressly granted are reserved and no right, title or interest in any Proprietary Material or information contained in the Website (including the Portal) is granted to the User.

13.3 Except with our express written permission, no Proprietary Material from the Website (including the Portal) may be copied or retransmitted.

13.4 Irrespective of the existence of the copyright, the User acknowledges that NRB is the proprietor of all Proprietary Material on the Website (including the Portal) (except where a third party is indicated as the proprietor), whether it constitutes confidential information or not, and that the User has no right title or interest in any such material.

13.5 Except as expressly permitted by these Terms, you agree not to, nor will you allow any third party (whether or not for your benefit) to:

13.5.1 run, rent, lease, loan, or sell access to the Portal;

13.5.2 decompile or reverse engineer or attempt to access the source code of the software underlying the Portal;

13.5.3 copy, archive, store, reproduce, rearrange, modify, adapt, download, upload, create derivative works from, display, perform, publish, distribute, redistribute or disseminate any of NRB intellectual property;

13.5.4 use the Portal to build products or services using similar ideas, features, functions, interface or content made available through the Portal;

13.5.5 use any aspect of the Portal by any means other than as permitted in these Terms;

13.5.6 circumvent, disable or otherwise interfere with the Portal’s security related features or any other features that prevent or restrict use or copying of any content, protect sensitive or confidential data or enforce limitations of Portal use;

13.5.7 use the Portal in such a way as to interfere with use of the Portal, so as to constitute a denial, including a partial denial, of service to Users; or

13.5.8 delete the copyright and other intellectual property rights notices posted on the Portal.

14. LINKED THIRD PARTY WEBSITES AND THIRD PARTY CONTENT

14.1 Links to and from the Website from and to other Websites belonging to or operated by third parties (“linked Websites”) do not constitute our endorsement of such linked Websites or their contents nor do we necessarily associate ourselves with their owners or operators.  You are solely responsible for identifying and familiarising yourself with any terms and conditions which will govern your relationship with such third party/ies.

14.2 We have no control over linked Websites and you agree that we are not responsible or liable for any content, information, goods or services available on or through any such linked Websites or for any damage, damages or any other loss caused or alleged to be caused by or in connection with your use of or reliance on any such content, information, goods or services available on or through any such linked Websites. You further agree that where you access linked Websites, you do so entirely at your own risk.

14.3 Your interaction, correspondence or business dealings with third parties which are referred to or linked from or to the Website is similarly entirely at your own risk and are solely between you and such third party including the acquisition, disposal, payment and delivery of any goods or services, and any terms, conditions, warranties or representations associated with such interaction, correspondence or business dealings.

15. GOVERNING LAW AND JURISDICTION

You irrevocably agree that the law of the Republic of South Africa shall govern your access to the Website and these Terms.  You irrevocably submit to the non-exclusive jurisdiction of the Gauteng Division of the High Court, Johannesburg in regard to all matters arising out of these Terms.

16. LEGAL SERVICE OF DOCUMENTS AND NOTICES

16.1 We choose the addresses set out in clause 20 below for all communication purposes under these Terms, whether in respect of court process, notices or other documents or communications of whatsoever nature.

16.2 You agree that we may, but are not obliged to, serve notices or other documents or communications on you using your email address.  In such cases, you agree further that our notices or other documents or communications will be deemed to have been served on you no later than 24 hours after the notices or other documents or communications were sent.

17. WE MAY MONITOR YOUR COMMUNICATIONS

17.1 Subject to the provisions of the Regulation of Interception of Communications and Provision of Communication-related Information Act, 2002 (“RIC Act“) you agree to permit us to intercept, block, filter, read, delete, disclose and use all communications you send or post to us or the Website or using the Website and/or to our staff and/or employees.

17.2 You agree and acknowledge that the consent you provide above satisfies the “writing” requirement specified in the ECT Act and in the RIC Act.

17.3 We reserve the right, but has no obligation, to monitor the content you post on the site. We reserve the right to remove any such information or material for any reason or no reason, including without limitation if in our sole opinion such information or material violates, or may violate, any applicable law or our Terms, or to protect or defend our rights or property or those of any third party. We also reserve the right to remove information upon the request of any third party.

18. SEVERABILITY

Any provision in these Terms which is or may become illegal, invalid or unenforceable shall be ineffective to the extent of such prohibition or unenforceability and shall be treated pro non scripto (as if it were not written) and severed from these Terms, without invalidating the remaining provisions of these Terms.

19. TERMINATION

If you breach any of these Terms, we may immediately, automatically and without notice to you, terminate your access to our Website, and/or prohibit your future access to the Website, and/or take appropriate legal action against you (including without limitation, applying for urgent and/or interim relief or claiming damages), without incurring any liability to you of any nature whatsoever and howsoever arising, and all of our rights in this regard are expressly reserved.

20. DISCLOSURES REQUIRED BY LAW

20.1 In terms of the ECT Act, we are obliged to disclose the following information to you:

20.1.1 Our full name and legal status: NRB Risk Solutions Proprietary Limited (Registration Number 2007/0023356/07), a private company incorporated in accordance with the laws of South Africa;

20.1.2 Physical address: NRB Capital, Ground Floor, Building 2, Omnipark, Aeroton 2013

20.1.3 Telephone number: +27 (0) 11 494 6300

20.1.4 Place of registration: Cnr Sailor Malan and Aerodrome Road, Aeroton, Gauteng

20.1.5 Description of services: debt collection services

20.1.6 Price of services: Structured individually depending on clients’ requirements and circumstances

20.1.7 Manner of payment: electronic funds transfer, payfast or bank swift

20.1.8 Time within which the service will be rendered: services will be rendered for the period agreed between User and NRB in terms of the SLA contemplated in clause 2.1.21 below

20.1.9 Manner and period within which User can access and maintain a full record of transactions: Limited access to transactions will be available to the user in terms of the SLA contemplated in clause 2.1.21 below.

20.1.10 Return, exchange and refund policy: Not applicable

20.1.11 Alternative dispute resolution code to which we subscribe: NRB will be bound to the regulations of the Debt Collecting Council and its procedures.

20.1.12 Security procedures and privacy policy in respect of payment information: payment for the services is not be made through the Website.

20.1.13 Our privacy policy can be found at www.nrb.co.za

20.1.14 Minimum duration of agreement: Sixty days (60 days)

20.1.15 Physical address for receipt of legal service: Omnipark, Groud Floor, Building 2, Cnr Sailor Malan & Aerodrome Roads

20.1.16 Postal address: PO Box 5278, Boksburg North, 1461

20.1.17 Main business: Debt collection

20.1.18 Website address: www.nrb.co.za

20.1.19 Official email address: johannesburg@nrbrisk.co.za

20.1.20 Names of office bearers: Heinrich Lubbe Managing Director

20.1.21 Governing terms of use:These Terms and the Service Level Agreement entered into between the parties (“SLA”).

20.1.22 Membership to self-regulatory or accreditation bodies: CDC, ADRA, PSSF

20.1.23 Code of conduct to which we subscribe: Not Applicable.

20.1.24 Manual in terms of the Promotion of Access to Information Act 2 of 2000: Information relating to NRB’s Promotion of Access to Information Act Manual may be found at which should be read in conjunction with these Terms.

20.2 In terms of section 44 of the ECT Act, you are entitled to cancel without reason and without penalty any transaction and any related credit agreement for the supply of services entered into between NRB and yourself within 7 (seven) days after the date of conclusion of the agreement. In the event that you have effected any payment prior to exercising your rights in terms of section 44 of the ECT Act, you are entitled to a full refund of such payment, which refund must be made within 30 (thirty) days of the date of the cancellation.  Your rights in terms of section 44 of the ECT Act does not prejudice the rights that you have in any other law.

21. NO OFFER AND NO GUARANTEE

21.1 NRB does not guarantee the successful collection of any debt and the conclusion of the SLA between the User and NRB for the provision of debt collection services does not in any way guarantee and/or warrant the successful collection of the User’s debt.

21.2 The content of this Website does not in any way constitute an offer by NRB to enter into an agreement, capable of acceptance by the User and no agreement shall have been entered into between the parties (except as recorded in these Terms) unless the parties enter into the SLA.

22. GENERAL TERMS

22.1 You agree that:

22.1.1 you are bound by these Terms;

22.1.2 data messages addressed by you to us shall be deemed to have been –

22.1.2.1 received if and when responded to;

22.1.2.2 sent by you within the geographical boundaries of the Republic of South Africa; and

22.1.3 electronic signatures, encryption and/or authentication are not required for valid electronic communications between you and us.

22.2 You warrant that data messages that you send to us from a computer, IP address or mobile device normally used by you, was sent and/or authorised by you.

22.3 These Terms constitute the whole agreement between you and us relating to your access to the Website.

22.4 No indulgence, extension of time, waiver or relaxation of any of the provisions or terms of these Terms which we may show, grant or allow you shall operate as an estoppel against us in respect of its rights under these Terms nor shall it constitute a waiver by us of any of our rights and we shall not thereby be prejudiced or stopped from exercising any of its rights against you which may have arisen in the past or which might arise in the future.

22.5 Nothing in these Terms shall create any relationship of agency, partnership or joint venture between you and us and you shall not hold itself out as our agent or partner or as being in a joint venture with us.

22.6 NRB does not guarantee continuous, uninterrupted or secure access to our services, as operation of our Website may be interfered with as a result of a number of factors which are outside of our control.

22.7 If any provision of these Terms is held to be illegal, invalid or unenforceable for any reason, such provision shall be struck out from these Terms and the remaining provisions shall be enforced to the full extent of the law.

22.8 You shall not be entitled to cede your rights or assign your rights or delegate your obligations in terms of these Terms to any third party without the prior written consent of NRB.

22.9 No party shall be bound by any express or implied term, representation, warranty, promise or the like not recorded herein, whether it induced the contract and/or whether it was negligent or not.

22.10 These Terms set forth the entire understanding and agreement between NRB and you with respect to the subject matter hereof.