Terms and conditions of use

SUBSCRIBING

By filling out any A&R Agencies CC form and agreeing to our “Terms and Conditions of Use,” you are providing your express consent to be contacted by us, via electronic messages or otherwise, to notify you about new products, services, and features offered by A&R Agencies CC. You may withdraw your consent at any time. COPYRIGHT INFORMATION The content of this website is subject to copyright protection. Reproduction of the content, or any part of it, other than for educational purposes or personal use, is prohibited without prior consent from A&R Agencies CC.

DISCLAIMER The materials provided on this site are for informational purposes only. Any of the information available on this site is meant to strengthen your common sense, not substitute for it. It is also not a substitute for the advice of any of your advisors, personal or professional.

PRIVACY POLICY Last updated: 30 June 2021 A&R Agencies CC (“A&R Agencies CC”, “us”, “we”, or “our”) operates A&R Agencies CC.com (the “Site”). This page informs you of our policies regarding the collection, use and disclosure of personal information we receive from users of the Site. By using the Site, you agree to the collection and use of information by this policy. • Introduction The privacy statement applies to A&R Agencies CC.com and any legal entity, which controls, verify or make use of information that may be collected via this platform. Users agree to the use of such data by this privacy statement. Please note that this site may contain links to other sites which are not being governed by this privacy statement. If a user has any questions or concerns regarding this privacy statement or the user’s privacy while using this platform, address your concerns to hoffice@aragencies.co.za •

Cookies & Similar Tracking Technology

We use cookies and similar tracking technology (collectively, “Cookies”) to collect and use personal information about you, including to serve interest-based advertising. A&R Agencies CC.com may use cookies (small text files stored in a user’s browser) or web beacons (electronic images that allow this platform to count users who have accessed a particular page and to access certain cookies) to ensure that the platform is well managed and to facilitate improvement of the site. A&R Agencies CC.co.za or its service provider(s) may use cookies to collect aggregate data. A&R Agencies CC.co.za may use such devices from time to time to track information on its systems and identify categories of users by items such as IP addresses, domains, browser types and pages visited. The administrator uses the data to analyse the number of users of different areas of the site and to ensure that this site is serving as a useful and practical information source. Neither cookies nor web beacons collect personal information such as the user’s name or e-mail address. A user may reject cookies as most browsers permit individuals to decline cookies. Under certain circumstances, users may be denied access to some parts of this platform if their browsers are set to refuse cookies.

• Personal Information Use, Processing and storage

While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally, identifiable information may include but is not limited to your name (“Personal Information”), email address, contact number, business name and location. Personal information is used only for limited purposes, e.g. when a user registers with the platform to request future communications about areas of interest. A&R Agencies CC.com may use this information to create a personal profile to customise its response to further requests or enquiries and to improve the site. Also, the site administrator may when necessary, use a user’s information for various site-related tasks. A&R Agencies CC will ensure that any marketing activities comply with applicable law and that it is implemented with procedures to ensure the necessary consent to send the user’s e-mail containing information about A&R Agencies CC’s services. A&R Agencies CC processes your personal information for the following purposes:

• Provide users or customers with the products and services that a user or customer may request or that a user or customer has expressed interest in;

• Evaluate user interest and needs to improve our service to you as a customer.

• Evaluate the types of offers, products or services we make available to users or customers and potential users or customers; • Monitor use of our services;

• Provide customer support; • Communicate and provide additional information that may be of interest to users through email or other means, such as special offers, announcements, and marketing materials; • Conduct online research surveys regarding the Site and Service;

• Combine datasets to create aggregated data for internal evaluation and analysis;

• Share anonymised or personalised tokens across A&R Agencies CC’s platforms to provide the Service;

• Send you reminders, technical notices, updates, security alerts and support and administrative messages, service bulletins, or marketing; A&R Agencies CC may process your personal information because: • we need to perform a contract with you; • you have given us permission to do so;

• the processing is in our legitimate interests and it’s not overridden by your rights;

• for payment processing purposes;

• to comply with the law. Retention of Information: You agree to allow us to keep your personal information after we have finished processing it for its original purpose.

You can ask us to delete any information we have of you by making a request in writing. A&R Agencies CC will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your personal information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your information to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies. A&R Agencies CC will also retain usage information for internal analysis purposes.

• Disclosure to third parties

Although A&R Agencies CC.co.za may provide users’ information to service providers that handle information on its behalf, it will usually not share the information with third parties or other public entities for secondary or unrelated purposes unless otherwise disclosed at the point of collection. Personal information may be transmitted internationally through A&R Agencies CC or to third parties for the purposes identified above. This will not include transfer to countries without data protection rules like those in effect in the user’s country of residence. By providing information to A&R Agencies CC through this platform, the user is consenting to such transfers. Where appropriate, personal information may be disclosed to law enforcement, regulatory or other government agencies, or third parties where necessary or desirable to comply with legal or regulatory obligations or requests or for the purposes identified above.

• Access to Personal Information

If personal information has been submitted to this platform, users who wish to review their personal information may do so by contacting hoffice@aragencies.co.za. In all cases, A&R Agencies CC will treat requests to access information or change information by applicable legal requirements.

• Security

The security of your Personal Information is important to us but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security. A&R Agencies CC.com has in place reasonable commercial standards of technology and operational security to protect all information provided by users from loss, misuse, alteration or destruction. All reasonable steps will be taken to secure a user’s data. Authorised employees, who are responsible for the maintenance of any data submitted, are required to maintain the confidentiality of such data. It is expressly prohibited for any person, business or entity to gain or attempt to gain unauthorised access to any page on this site, or to deliver or attempt to deliver any unauthorised, damaging or malicious code to this site. If a person delivers or attempts to provide any unauthorised, harmful or malicious code to this platform or attempts to gain unauthorised access to any page on this platform, a criminal charge will be laid against that person, and, if A&R Agencies CC.com or any public body should suffer any damage or loss, civil damages will be claimed. A&R Agencies CC utilises various appropriate technical and organisational security measures, which include, but are not limited to, network and host security controls (e.g., firewalls, intrusion detection systems, etc.) and operating procedures that are designed to protect your personal information. A&R Agencies CC may provide links to other websites only as a convenience. The inclusion of any link does not imply A&R Agencies CC’s endorsement of such sites. Linked websites or pages are not subject to the control of A&R Agencies CC. A&R Agencies CC is not responsible or liable, directly or indirectly, in any way for the content, use, or inability to use or access any linked websites or any links contained in a linked website.

• To Whom We May Disclose Your Information

We may disclose your information, including personal information, to the following categories of recipients:

• To our affiliates third party services providers and partners who provide data processing services to us (for example, to support the delivery of, provide functionality on, or help to enhance the security of our Site or Service). Or who otherwise process personal information for purposes that are described in this Privacy Policy or notified to you when we collect your personal information.

• To any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or court order or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person.

• To a potential buyer (and its agents and advisers) in connection with any proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use your personal information only for the purposes disclosed in this Privacy Policy.

• To any other person with your consent to the disclosure. We do not share personal information with third parties for their marketing purposes. In certain situations, we may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

• Changes to This Privacy Policy This Privacy Policy is effective as of 30 June 2021 and will remain in effect except concerning any changes in its provisions in the future, which will be in effect immediately after being posted on this page. We reserve the right to update or change our Privacy Policy at any time in response to changing legal, technical or business developments, and you should check this Privacy Policy periodically. Your continued use of the website or our service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgement of the modifications and your consent to abide and be bound by the modified Privacy Policy. You can see when this Privacy Policy was last updated by checking the “last updated” date displayed at the top of this Privacy Policy.

• Contact Us

If you have any questions about this Privacy Policy, address your queries to hoffice@aragencies.co.za.

COOKIE/TRACKING TECHNOLOGY

The Site may use cookie and tracking technology depending on the features offered. Cookie and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to the Site, and understanding how visitors use the Site. Cookies can also help customize the Site for visitors. Personal information cannot be collected via cookies and other tracking technology; however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.

THIRD PARTY LINKS

In an attempt to provide increased value to our Users, we may provide links to other websites or resources. You acknowledge and agree that we are not responsible for the availability of such external sites or resources, and do not endorse and are not responsible or liable, directly or indirectly, for the privacy practices or the content (including misrepresentative or defamatory content) of such websites, including (without limitation) any advertising, products or other materials or services on or available from such websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such content, goods or services available on such external sites or resources.