Terms & Conditions

Welcome to Fincheck Academy.

We place you as the user at the forefront of our business and believe your privacy and information security are of the utmost importance. Our standards and policies are structured in the most user-friendly and watertight way possible. Our Privacy Policy applies to all current and former clients. It should be read in conjunction with the Fincheck Terms and Conditions. In the terms and conditions stated here, whenever we use “us”, “we” and “our”, it refers to Fincheck Academy, and “you” and “your” refers to anyone who uses the Fincheck product or network.

General

i. The access and use of this website are subject to the following Terms and Conditions and our Privacy Policy. By using this website, you agree to act according to these Terms and Conditions and our Privacy Policy. If you do not conform to the following Terms and Conditions or our Privacy Policy, you are not allowed to access and use this website and you should stop such access and/or use now.

ii. If you violate any of the terms mentioned herein, your right to access and use this website shall be terminated immediately.

iii. We reserve the right to make changes to these Terms of Use from time to time without providing any prior notification. The amended Terms of Use are effective from the date they are announced on this website. As these Terms of Use are amended from time to time, you must check them whenever you visit this website. Your continued access and use of this website shall represent your acceptance of the amended Terms of Use.

Our Service

i. Fincheck Academy forms part of Finch Technologies which is a Financial Technology group that focuses on building replicable and scalable solutions for all players in the Financial Technology ecosystem. Focusing on Origination, Onboarding, and Enriching. The three pillars to the business strategy.

ii. We aim to give you uninterrupted access to the current website. However, we cannot assure you of the uninterrupted availability of this website. We have the right to suspend, limit or terminate your access to the current website at any time.

iii. We reserve the right to feature, amend, delete, edit, take away or modify any data, content, material, or information displayed on this website at any time.

Permitted Use

i. You are solely permissible to access and use this website for personal, non-commercial functions, which means this website shall solely be accessed and used directly by a private individual or by a business to find a product or service for that individual or business and on their own behalf. Access to and use of this website aside from for your personal, non-commercial functions is strictly prohibited :

– In any unlawful, fraudulent, or commercial manner

– To hurt, abuse, embarrass, defame, libel, threaten, intimidate or harass another person or business, or in a manner that invades another person’s privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory, or damaging as determined by us.

– To produce, check, confirm, update, modify or amend your own or another person’s databases, records or directories.

– To alter or reverse engineer any part of this website.

– In a way that interferes with, disrupts, or imposes an unreasonable or disproportionately large burden on our communications and technical systems as determined by us.

– Using any automatic computer code, process, program, robot, net crawler, spider, data processing, trawling or alternative ‘screen scraping’ computer code, process, program, or system.

Intellectual Property Rights

i. The copyright of the data, content, material, or information displayed on this website belongs to us or our licensor. You can print, copy, transfer or store extracts of content, material, or information displayed on this website for your own personal use if you abide by the following conditions:

– It cannot be used for any business or commercial functions without our permission.

– You will not use any automatic computer code, process, program or system, robot, net crawler, spider, data processing, trawling, or alternative ‘screen scraping’ computer code, process, program.

– It cannot be sold out or transferred to any third party.

– The copy should retain any copyright or alternative property notices contained within the original.

– Images displayed on this website are protected by copyright and will not be reproduced or taken in any way without the written permission of the various owner(s).

– No logos, trademarks, or service marks displayed on this website can be written or downloaded, except as a part of the text of which they are already part of.

– You should not modify the paper or digital copies of such data, content, material, or information. It shall not be excerpted, reproduced, published, used, reformatted, and/or displayed on another website without our written permission.

– The standing of us and our licensors as authors of such data, content, material, or information should be acknowledged at all times.

ii. All intellectual property rights such as patents, logos, net domain names, ethical rights, data, supply codes, software, specifications, know-how, processes, and business strategies (in all cases whether or not registered or unregistered and as well as all rights to use for registration) in and about this website (including data, content, material or information displayed on it) are owned by or our licensors and such rights are reserved.

iii. Except as mentioned elsewhere in these Terms of Use, none of the property rights that belong to us or our licensors in and about this website (including data, content, material, or information displayed on it) can be used, copied, modified, published, transmitted, sold, excerpted, reverse designed, reproduced, reformatted or distributed by you without our previous written permission.

iv. All rights in academy.fincheck.co.za are owned by us.

v. You shall retain possession of any feedback, content, or material you submit on this website (“User Content”). You grant us a perpetual, irrevocable, transferable, worldwide, royalty-free and unlimited license to use, alter, store, share, sell, publish and transmit such User Content in any manner and for any purpose.

vi. Upon submission of personal information in order to receive marketing emails, we will send you email offers, content, and news, related to the content of our website and off-site channels like Facebook, Instagram, YouTube, and blog content.

Exclusions of liability

i. We take all efforts to ensure that the information, material, and knowledge on the website are correct and to rectify any errors or omissions as soon as practicable when being notified of them. However, we are not accountable if the information, material, and knowledge from a third party, on the website is inaccurate or if there are any errors or omissions within the data, material, and information.

ii. We do not endorse any material information and data submitted or provided by third parties that are presented on the website and you must bear in mind that such information could also be inaccurate, incomplete, or out of date. We will not be held liable for any knowledge, material, or data on the website that has been provided by third parties.

iii. We do not provide any warranty that the website or any information on this Website or any third party website is free from viruses or anything which can have a harmful impact on any technology.

iv. We hold no responsibility for losses or damages arising from an inability to access the website and from any use of the website that is beyond our control.

v. We are not accountable or to blame for any indirect losses or damages suffered or incurred by you or those which were not predictable when you accessed or used this website. This includes any loss of savings you expect to make, loss of business or business opportunity, loss of profit or revenue or for any loss or damage you may suffer or incur in connection with your use of this Website which was not foreseeable by us when you used this Website.

vi. A number of our channels can offer you access to third-party websites that can host reviews concerning a number of the products and services. In some instances, you will even be able to access user reviews directly on the website. The views expressed in third-party websites do not represent our views and we will not be accountable for the accuracy or content of any such views or expressions.

Exclusion of our liability

i. Please bear in mind that the data and descriptions of products and services on this website might not represent the entire descriptions of all the options and terms and conditions of these products and services. You need to make sure that you carefully look at all the options and terms and conditions of any product or service before applying for it.

ii. If you reach out for a service request or fill out a contact form, you will be in contact with one of our team members and not a third party. When entering into an agreement for a solution your responsibility to make sure that you agree to those terms and conditions before entering a contract to get that product or service. We are not accountable or to blame for any loss or harm you will suffer or incur as a result of the terms and conditions applying to any contract entered into by you.

iii. Your use of any third-party website is regulated by the terms and conditions and privacy policy of that website. Such terms and conditions and privacy policy might totally differ from these Terms of Use and our Privacy Policy. It is your responsibility to go through the terms and conditions and privacy policies of relevant third-party websites before using that website. We are not responsible or to blame for any loss or harm you will suffer or incur due to the terms and conditions or the privacy policy of any third-party website or for any acts, omissions, errors, or defaults of any third party as a result of their terms and conditions and/or privacy policy.

Complaints Procedure

i. Fincheck Academy and Fincheck is not a lender, telecommunications company, or bank. We provide services through our business partners who are registered financial or contract providers in South Africa.

ii. We aim to provide all our customers with a high level of service and satisfaction but if you wish to complain about any aspect of our services with you please contact us on 087 057 1412, alternatively 010 594 0295.

iii. For the purposes of handling complaints our working day is 8 am to 5 pm Monday to Friday, excluding Public Holidays.

iv. We are not accountable or to blame for any indirect losses or damages suffered or incurred by you or those which were not predictable when you accessed or used this website. This includes any loss of savings you expect to make, loss of business or business opportunity, loss of profit or revenue or for any loss or damage you may suffer or incur in connection with your use of this Website which was not foreseeable by us when you used this Website.

v. A number of our channels can offer you access to third-party websites that can host reviews concerning a number of the products and services. In some instances, you will even be able to access user reviews directly on the website. The views expressed in third-party websites do not represent our views and we will not be accountable for the accuracy or content of any such views or expressions.

Your responsibilities

i. You have to take all necessary precautions to make sure that any data, content, material, or information you offer (including User Content as delineated) are free from viruses, spyware, malicious software, and anything which can have a contaminating, harmful or damaging impact on any a part of this website or the websites of third parties or the other technology.

ii. You are entirely accountable for your conduct on this website and for your User Content. You need to guarantee that your User Content does not violate any privacy rights, holding rights (such as copyright, information rights, and trademarks), or alternative rights of any third party (including any right of confidentiality).

Furthermore, your User Content should not violate any law. It should not be harmful, fraudulent, threatening, defamatory, embarrassing, distressing, infringing, abusive, inflammatory, daunting, harassing, libelous, stalking, profane, obscene, indecent, inappropriate, hateful, discriminatory or racially, ethnically, sexually, or otherwise objectionable.

iv. You agree that you will be held responsible for any harm, loss, claim, demand, liability, or expense (including cheap legal fees) that we suffer as a result of your conduct on this website and/or your User Content.

Detailed description of goods and/or services

Finch Technologies is a Financial Technology business-building solutions for the full supply chain of the Financial Technology ecosystem.

Customer privacy policy

Finch Technologies shall take all reasonable steps to protect the personal information of users. For the purpose of this clause, “personal information” shall be defined as detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA).

Payment options accepted

Payment may be made via Visa, MasterCard, ETF Secure.

Why is Peach Payments mentioned at checkout

Peach Payments performs technical services to support payments to online or internet businesses. This service includes consulting on a selection of technical and administrative topics, configuring and provisioning a transaction platform, and providing access to this platform.

Cardholder safety

No sensitive cardholder data is stored on merchants’ servers at any time for either once-off or subscription payments.

When a user opts to store card details on a website using Peach Payments, these details are stored by Peach Payments in a PCI DSS level 1 compliant vault. Sensitive cardholder details are directly transmitted from users’ browsers to Peach Payment’s systems. Merchants’ staff and systems do not have access to complete card number details at any point in time, on Peach Payments platforms.

Merchant Outlet country and transaction currency

The merchant outlet country at the time of presenting payment options to the cardholder is South Africa. Transaction currency is South African Rand (ZAR).

Responsibility

Finch Technologies takes responsibility for all aspects relating to the transaction including the sale of goods and services sold on this website, customer service and support, dispute resolution, and delivery of goods.

Country of domicile

This website is governed by the laws of South Africa and Finch Technologies chooses as its domicilium citandi et executandi for all purposes under this agreement, whether in respect of court process, notice, or other documents or communication of whatsoever nature.

Variation

Finch Technologies may, in its sole discretion, change this agreement or any part thereof at any time without notice.

Contact Details

Company Physical Address: Roeland Square, Gardens, Cape Town, 8001

Email: michael.b@fincheck.co.za