1. Acceptance of Terms

1.1 By accessing and using the Website, you agree to these Terms of Use and Privacy Notice. These Terms are binding and governed by the laws of the Republic of South Africa.

1.2 If you do not agree to these Terms, please do not use the Website.

2. Changes to Terms and Website

2.1 Material changes to these Terms require 30 days’ notice to users. Non-material changes to Website content or operation may occur without notice.

2.2 Your continued use of the Website after any change constitutes acceptance. If you do not agree, discontinue use.

3. Website Access

3.1 Access is provided free of charge. iGroup Fund makes reasonable efforts for availability, although interruptions may occur. Emergency suspensions may occur without notice.

3.2 You are responsible for arrangements to access the Website and for all associated costs. You are responsible for ensuring all persons accessing through your connection comply with these Terms.

4. Permitted Use

4.1 iGroup Fund grants you a limited, non-exclusive, non-transferable licence to access and use the Website solely for non-commercial informational purposes.

4.2 You may view, copy, download, print, and distribute content for non-commercial purposes, provided you do not infringe intellectual property rights and comply with these Terms.

5. Prohibited Conduct

5.1 You may not: (i) use the Website for hacking, spamming, or distributing malware; (ii) infringe intellectual property rights or violate law; (iii) perform unauthorized scraping, indexing, or data-mining; or (iv) frame or improperly link content.

5.2 You may not breach POPIA or applicable law and may not collect contact details for commercial marketing purposes without consent.

6. Intellectual Property

6.1 All intellectual property in the Website including the iGroup Fund name, logo, trademarks, text, photographs, video, audio, and data is owned by iGroup Fund or duly licensed. No rights are transferred to you.

6.2 Unless otherwise agreed in writing, iGroup Fund does not grant rights to use its name, logo, or trademarks.

7. Limitation of Liability

7.1 The Website is provided ‘as is’. iGroup Fund makes no warranty as to quality, reliability, suitability, accuracy, or availability. To the fullest extent permitted by law, iGroup Fund excludes all express and implied conditions and warranties.

7.2 iGroup Fund is not liable for any damage, loss, or liability arising from use of or inability to use the Website or its content.

7.3 Nothing in these Terms limits iGroup Fund’s liability for fraud, wilful misconduct, death, personal injury from negligence, or liability that law does not permit to be limited.

7.4 You indemnify iGroup Fund and its directors, officers, employees, and affiliates against any claim, damage, cost, or liability (including reasonable attorney fees) arising from your use of the Website, breach of these Terms, or violation of third-party rights.

8. Compliance with Applicable Law

8.1 These Terms comply with applicable law (Consumer Protection Act, POPIA, ECT Act). No provision limits liability that law does not permit to be limited.

9. Security

9.1 iGroup Fund takes reasonable steps to protect communications via the Website. However, no guarantee of complete security is made. You should use current antivirus software when accessing the Website.

10. Linking

10.1 Any hyperlink to the Website must be fair, legal, and not damage iGroup Fund’s reputation or imply false association or endorsement.

10.2 iGroup Fund reserves the right to withdraw linking permission without notice. Links to third-party websites are for convenience only; iGroup Fund does not endorse their content.

11. Cookies

11.1 The Website uses cookies and similar tracking technologies. By accessing the Website, you consent to this use as described in our Cookie Policy.

11.2 You may adjust your browser to decline cookies, although some Website features may not function correctly.

12. Breach, Suspension, and Termination

12.1 iGroup Fund may suspend or terminate your access for breach of these Terms. Enforcement costs, including legal costs, are recoverable.

12.2 Provisions of these Terms that contemplate performance after termination survive termination and continue in full force.

13. Governing Law

13.1 These Terms are governed by the laws of the Republic of South Africa. You consent to the jurisdiction of the courts of South Africa.