Terms & conditions

1. Introduction

When you ('the User') visit or use this website, the User will be deemed to have accepted and agreed to be bound by the terms and conditions set out below ('terms  and conditions').  

ooba may, at any time and without notice, amend the terms and conditions. 

Any reference in the terms and conditions to ooba means ooba (pty) ltd as well as  any subsidiary of ooba (pty) ltd, to the extent any such subsidiary acts in any  capacity contemplated by these terms and conditions.

2. Financial Products

ooba acts solely as a facilitator and/or broker in relation to the provision of the  financial products referred to on this website. 

The provision of the financial products referred to on this website is subject to  the registration procedures and approvals criteria stipulated by the relevant third  party product provider(s).

ooba has no authority to bind any third party product provider, nor does it purport  to do so.

All information regarding the financial products referred to on this website,  including information in respect of the terms and conditions applicable to such  financial products and services, interest rates or any other matter is intended as a  guideline only and is subject to change without notice.

The terms and conditions which will apply to any financial product purchased by you  from any third party product provider will be the terms and conditions set out in  the written document relating to such financial product finally issued by the third  party product provider at the time of purchase.

If the User's application for any financial product is a joint application, or  involves another party such as a surety, these terms and conditions will also apply  to such other applicant or other party, and the User warrants that the User will  inform such other applicant or other party of these terms and conditions.

3. Property Search Service

ooba, through the property search service provided on this website, provides (and  facilitates access to) a variety of information, including information pertaining to  properties listed by various estate agencies in South Africa, as well as home  valuations and other reports, estimates and analyses.  This information is obtained  primarily from external sources including Deeds Office data. ooba makes no  warranties and/or guarantees that such information (or any other information  contained on (or accessed via the website) is accurate, correct or current.

4. Disclaimer

ooba accepts no liability whatsoever for any loss, whether direct or indirect,  consequential or arising from information made available on (or by means of) the  website (or any of the pages therein contained) and/or transactions or actions  resulting therefrom.  Accordingly, any use of the information made available by  means of the website is entirely at the User's own risk and it is the User's sole  responsibility to evaluate the currency, accuracy, completeness and usefulness of  all such information prior to relying on the same.

ooba does not endorse the views, opinions and recommendations included in any  website linked to this website.

All calculations done through the use of software or calculators supplied on these  pages, including but not limited to bond repayment calculations, are guidelines only  and are subject to final confirmation by the third party product provider, if and  when, a transaction between the User and the third party product provider is  concluded.

5. Information Transmission

Whilst ooba endeavors to protect the User's information from observation by any  third party during transit, use of the website is entirely at the user's risk.  ooba  gives no warranties and will not be liable for any damage or costs the User might  incur as a result of unauthorised viewing of the User's information.

ooba does not guarantee uninterrupted or error free information and/or the security  of this website or that of any stored visitor data.

6. Information furnished by the User

When the User applies for any financial product referred to on this website, the  information furnished by the User to ooba will be disclosed to the relevant third  party product providers as part of the relevant application process(es). 

The User warrants that all information furnished by the User (whether in relation to  the User or any other party) to ooba as part of this process will be truthful,  accurate, current and complete.

Information furnished by the User to ooba may also be used by ooba to provide the  User with information in regard to ooba's other products and services.

7. Intellectual Property

Copyright subsists in all material on this website. Unauthorised usage thereof shall  constitute an offence and shall render the offender liable to prosecution. 

The User may not sub-license, resell, republish (including internet posting,  electronic mailing, faxing, archiving in a public database, redistributing via a  computer network, or in a printed form to third parties), reproduce, retransmit,  disseminate, sell, broadcast, commercially exploit, adapt or circulate any  information on (or accessed via) the website without the express written consent of  ooba (which consent may be refused at ooba's sole and absolute discretion).

Without limiting the generality of the aforesaid, the User may not reproduce or  distribute, or substantially copy any information or service from the website onto  the User's own server, or link to this website, without the prior written permission  of ooba (which consent may be refused at ooba's sole and absolute discretion).

ooba (including its information providers) are the sole and exclusive owners of all  right, title and interest in and to the intellectual property rights inherent to, or  contained in, the website (including but not limited to trademarks, copyrights,  patents, trade names and trade secrets), as well as all proprietary information and  services listed on (and/or accessed via) the website, including information and  services relating to property listings, home valuations, financial wizards and  underlying databases.

8. Abuse of website

The User may not use the website in any manner that could damage, disable,  overburden, or impair any ooba server, or the network(s) connected to any ooba  server, or interfere with any other party's use of the website.

The User may not attempt to gain unauthorised access to any products, services,  other accounts, computer systems or networks connected to any ooba server or to any  of the products or services through hacking, password mining or any other means.

The User are expressly prohibited from posting on or transmitting to or from this  website any unlawful, threatening, libelous, defamatory, obscene, scandalous,  inflammatory, pornographic, or profane material, or any other content that could  give rise to any civil or criminal liability under any law.

The User may not use the website in any manner for the purposes of conducting any  business that is in competition with the business of ooba, including any bond  origination or insurance broking business, whether by spamming, forwarding the  User’s contact details and other business related information to any estate agent  that has listed any property on this website, or otherwise.

Without limiting the rights and remedies of ooba, ooba may deny the User access to  all or part of this website without notice if the User engages in any conduct or  activities that ooba believes in it sole and absolute discretion are contrary the  import and intent of this restriction.

9. Legal

The laws of the Republic of South Africa will govern these terms and conditions.

The User hereby consents and submits to the jurisdiction of the South African courts  in regard to all proceedings, actions, applications or the like instituted by either  party against the other, and in any way arising from these stated terms and  conditions.

Legal notices and other legal documentation addressed to ooba must be sent by  registered post or delivered by hand to the address nominated below, which we choose  as our domicilium citandi et executandi:

Notices delivered to ooba will be deemed to be received :

by hand - at the time of delivery, 

registered post - 14 (fourteen) days from posting.

 The User may not send any notice or legal document to ooba by fax or sms or email.

These terms and conditions constitute the entire agreement between ooba and the User  and shall take precedence over any disclaimers and/or legal notices attached to any  communications and/or postings received by ooba from the User.  Save as provided in  clause 1.2, no variation of these terms and conditions shall be of any force or  effect unless reduced to writing and signed by ooba and the User or their duly  authorised representatives.

Any failure by ooba to exercise or enforce any right or provision shall in no way  constitute a waiver of such right or provision.

In the event that any term or condition detailed herein is found unenforceable or  invalid for any reason, such term(s) or condition(s) shall be severable from the  remaining terms and conditions. The remaining terms and conditions shall remain  enforceable and applicable.

A certificate issued by an administrator of this website shall constitute prima  facie proof of any fact related to this website, including but not limited to which  version of the terms and conditions govern a particular dispute and what content was  published or functionality was available on the website at a specific point in time.