Terms of Use

Please read these terms and conditions carefully before using this site.

Please do not use our website if you do not agree with these terms and conditions.

What's in these terms?

These terms tell you the rules for using our website http://www.dbsa.org (our site).

• Who we are and how to contact us.
• By using our site you accept these terms.
• We may make changes to these terms.
• We may make changes to our site.
• We may suspend or withdraw our site.
• You must keep your account details safe.
• How you may use material on our site.
• We may use cookies.
• Do not rely on information on our site.
• We are not responsible for websites we link to.
• User-generated content is not approved by us.
• How to complain about content uploaded by other users.
• Our responsibility for loss or damage suffered by you.
• Exclusion of liability for digital content.
• How we may use your personal information.
• Uploading content to our site.
• Rights you are giving us to use material you upload.
• We are not responsible for viruses and you must not introduce them.
• Rules about linking to our site.
• Which country's laws apply to any disputes?
• Intellectual property.

Who we are and how to contact us

http://www.dbsa.org is a site operated by the Development Bank of Southern Africa Limited (“DBSA” or "We").

DBSA was established in 1983 to perform an economic development function within the constitutional dispensation then obtained and was reconstituted in terms of the Development Bank of Southern Africa Act 13 of 1997.

Please use the contact details here below to contact us:

Physical Address
Development Bank of Southern Africa
Headway Hill
1258 Lever Road
Midrand
South Africa

Postal Address
P O Box 1234
Halfway House
1685
South Africa

Telephone
Telephone: +27 11 313 3911
Reception: +27 11 313 3500 or +27 11 313 3297

Email
webmaster@dbsa.org 

By using our site you accept these terms

By using our site, you confirm that you accept these terms of use (including our Privacy Policy) and that you agree to comply with them.

If you do not agree to these terms, you must not use our site.

We recommend that you print a copy of these terms for future reference.

We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

We may make changes to our site

We may update and change our site from time to time to reflect changes to our products, services, regulatory or internal requirements, our users' needs and our business priorities.

We may suspend or withdraw our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

You must keep your account details safe

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at the contact details provided above.

How you may use material on our site

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it.  Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Do not rely on information on this site

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

We are not responsible for websites we link to

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

User-generated content is not approved by us

Our site may include information and materials uploaded by other users of the site, including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

How to complain about content uploaded by other users

If you wish to complain about content uploaded by other users please contact us at the contact details provided above.

Our responsibility for loss or damage suffered by you

While we have taken care to ensure that the contents and other information on this site are accurate, this site and the products and/or services accessible on this site and your use of and reliance on the information on this site and the online services, are entirely at your own risk. Subject to any mandatory provisions of applicable law, we accept no liability for any loss or damage of whatsoever nature that may be caused, directly or indirectly, by the use of this site or reliance on any information contained therein.

We attempt to keep information up to date and correct, but any information provided by this site, must be confirmed by us and we do not accept any liability for reliance placed on any information in the absence of such confirmation.

We will not be liable for any event over which we have no control e.g. downtime or failures for services provided by third parties such as public telecommunication service providers, Internet services providers, electricity suppliers or local authorities.

We will not be liable for any damage or loss regarding customer data directly or indirectly caused by any malfunction of our system, third party systems, power failures, computer viruses or unlawful access of data on our system or third party systems or programming defects.

How we may use your personal information

We will only use your personal information as set out in our Privacy Policy. By using our site you agree that any personal information submitted to us may be processed as set out in our Privacy Policy.

We may use cookies

In order to collect the anonymous data (i.e. data that does not identify you personally but purely statistical data), we may use temporary “cookies” that remain in the cookies file of your browser until the browser is closed. Cookies are small, often encrypted text files, located in browser directories. They help users navigate websites efficiently and allow certain functions, such as buying products online. When you visit websites, cookies may be stored on your computer.  They are used to store a variety of information about you and your preferences, which is afterwards sent back to the visited website.

Cookies by themselves cannot be used to discover your identity.  Cookies do not damage your computer. You can set your browser to notify you when you receive a cookie.  This enables you to decide if you want to accept it or not. If you choose not to accept cookies from our Website this may limit its functionalities or performance. You can stop your browsers from accepting cookies by changing the settings on your web browser. Explore the settings and options on your browser to disable or enable cookies.

Our use of cookies is to enable more user-friendly, efficient and safe visits to our site.

We use cookies for several reasons:

• to identify you as an authorised user;
• to provide you with safe restricted access areas;
• to remember you so that when you come back to our site you do not need to enter your information again; and

to understand what brought you to our site and what pages you visited.

Besides these, we may also use cookies which enable us to save your preferences from each of your visits to our site and present you with a version of our site which reflects your preferences.  Our system is therefore able to recognize you each time you visit our site, without requiring you to systematically log in each time you visit.

You can find more information about cookies at: http://www.allaboutcookies.org/ and for a video about cookies visit http://www.google.com/policies/technologies/cookies/.

We use the following types of cookies on our site:

• Drupal® core
• Contributed modules most notably being;

1. EU Cookie compliance module stores a cookie to track agreement to the cookie policy
2. Google Analytics / Tag manager will also include cookies and tracking scripts
3. AddThis

We also use your IP address to help diagnose problems with our server and to administer our site.  An IP address is a numeric code that identifies your computer on a network, or in this case, the Internet.  Your IP address is also used to gather broad demographic information. We may also perform IP lookups to determine which domain you are coming from (i.e. aol.com, yourcompany.com) to more accurately gauge our users' demographics.

To support our site we sometimes embed photos and video content from third party websites. As a result, when you visit a page with such embedded content from a third party, you may be presented with cookies from these third-party websites. We do not control the dissemination of these cookies and you should check the third-party websites for more information about these.

Uploading content to our site

Whenever you make use of a feature that allows you to upload content to our site, or to make contact with other users of our site, you must comply with generally accepted standards of website use (“Accepted Standards”), including the following:

• you may not use this site to obtain or distribute: copyrighted or protected material without the permission of the owner of the copyright in such material; or material containing viruses or any other destructive materials or data or code which is able to corrupt, interfere with or jeopardize the operation or content of a computer system or hardware or software; or material which is defamatory, offensive, unlawful or contains hate speech; or unsolicited e-mail; or bulk e-mail, whether solicited or unsolicited;
• you must not interfere with or jeopardize the functionality or the operation or the content of any part of this Website or attempt to interfere with or jeopardize the functionality or operation of any part of this site;
• you are strictly prohibited from using this site for "spoofing", "flaming", "hacking", "cracking" or "spamming";
• you may not intercept any information transmitted to or from the DBSA or this site; and
• you must respect other users of this site at all times.

You warrant that any such contribution does comply with Accepted Standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty. We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with such Accepted Standards.

Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us and other users of our site a limited licence to use, store and copy that content and to distribute and make it available to third parties.

We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.

You are solely responsible for securing and backing up your content.

We do not store terrorist content.

We are not responsible for viruses and you must not introduce them

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. Where applicable, we will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Rules about linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our site in any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

The website in which you are linking must comply in all respects with the Accepted Standards discussed above.

If you wish to link to or make any use of content on our site other than that set out above, please contact us at our contact details set out above.

Which country's laws apply to any disputes?

These terms of use, their subject matter and their formation, are governed by South African law. You and we both agree that the courts of South Africa will have exclusive jurisdiction over disputes which may arise in respect of these terms of use.

Intellectual property

The contents of this site, including any software, icons, text, links, graphics, images, sound clips, trade names, logos, trademarks and service marks are protected by law, including but not limited to copyright, patent and trade mark law, and are the property of DBSA and/or third parties. Any unauthorised use of the contents, information or materials on this site is prohibited.