Terms and conditions

The use of the Hinterland website (hereinafter referred to as "this website" or "the website") is subject to the terms and conditions as set out below. It is important that the user reads and understands the terms and conditions applicable to the Hinterland website.


  • These terms and conditions become effective when the user accesses the website for the first time and constitute a binding agreement between Hinterland and the user.

Information on this website

  • All information on this website is intended to provide the user with general information about Hinterland, its products and services.
  • All information regarding the products and services, including information in respect of the terms and conditions, interest rates or any other matters, is subject to change without notice.
  • This website and all information provided on this website, as well as services provided on this website, are provided voetstoots. The information provided on this website should not be regarded as professional advice of any nature and no warranties in this regard are given.

Online services

  • Hinterland’s online products and services ("online services") are subject to registration and approval, which Hinterland may accept or reject at its sole discretion.
  • In the event of a conflict between these terms and conditions and the terms and conditions between the individual client and Hinterland, the provisions of the individual agreement shall apply.

Third party information

  • Hinterland may use the services of any other third party to provide information on this website. Hinterland has no control over the third party information and makes no representations or warranties of any nature as to its accuracy, appropriateness or correctness. Hinterland will not be directly or indirectly liable for any damages, of whatsoever nature, which may arise from the user's reliance on such information.


  • Hinterland’s commitment to client privacy and security is outlined in Hinterland’s Protection of Privacy Policy.

Amendments to these conditions

  • Hinterland may amend these conditions from time to time without notice to the user. By accessing this website, the users are bound to a version of the terms and conditions published at the time of any visit to this website. The user agrees to review the current version each time that this website is visited.
  • The current version of these conditions will govern the respective rights and obligations of Hinterland and the user each time the user accesses this website.

Linked third party websites

  • This website may contain certain images and links to other third party websites ("linked websites"), with information and material produced by other parties. The linked websites are not under the control of Hinterland and Hinterland is not responsible for the contents of any linked website, including without limitation any link contained in a linked website, or any changes or updates to a linked website.
  • Hinterland is not responsible for any form of transmission from a linked website and is also not responsible if the linked website is not working properly.
  • Hinterland provides these links for convenience's sake only and any links do not imply endorsement by Hinterland of this website, its business or security practices or any association with the operators of such website.

Intellectual property rights

  • This website contains copy right and other intellectual property, including logos and other graphics and multimedia works belonging to Hinterland.
  • The user is authorised to view and download one copy to a local hard drive or disk, print and make copies of such print-outs, provided that:
    • The material is used for online services and no other commercial purposes.
    • Any reproduction of the proprietary material from this website or portion thereof, must include Hinterland’s copyright notice in its entirety.
    • The logos and trade mark shown on this website, are Hinterland’s registered and unregistered trademarks, and not that of third parties.
    • Nothing on this website should be construed as granting any license or right to use any trade mark without Hinterland’s written permission and/or that of third parties, as the case may be. The user may not, without Hinterland’s written consent, use Hinterland’s intellectual property or that of third parties for any purpose whatsoever.

Sending of information

  • Information transmitted through an unsecured link over the Internet, including e-mail, is subject to potential unlawful access or monitoring. Hinterland has taken certain measures to limit the risks in this regard. The measures are outlined in Hinterland’s policy regarding the protection of privacy.
  • The user accepts that Hinterland cannot be held liable for any loss or damage suffered by the user as a result of unlawful activities by unscrupulous persons, as Hinterland cannot prevent such behaviour. Hinterland may request independent verification of any information transmitted by the user through the website or e-mail from time to time, to limit these risks.

Warranties and representations

  • All the information appearing on this website is provided without a representation or warranty whatsoever, whether expressed or implied, and Hinterland deny any liability towards the user in this regard.
  • Hinterland makes no representation or warranties regarding the accuracy, functionality, fitness for purpose or infringement in connection with this website and disclaims any liability in this regard.
  • Hinterland does not warrant that the website or online services will be error-free.

Disclaimer and limitation of liability

  • Hinterland has taken reasonable steps as far as possible to ensure the accuracy and completeness of the contents shown on this website, to ensure that the user doesn't suffer any loss or damage as a result of the use of this website.
  • Use of this website and the online services is entirely at the user's own risk. The user assumes full responsibility for the loss resulting from the use of this website and the user's reliance on information contained on it.
  • In no event will Hinterland be liable for any damages whatsoever, direct, indirect, special, incidental, or consequential relating to the user's use of this website or the online services or the information contained on this website or the user's inability to use this website or the online services, whether such damages arose out of contract, or delict or otherwise and regardless of whether Hinterland was expressly advised of the possibility of such loss or damage. 

    Without derogating from the generality of the above and to the extent legally permitted, Hinterland shall not be liable for:

  • Any interruption, malfunction, downtime, offline situation or other failure of the website or online services, Hinterland’s system, data bases or any of its components, beyond Hinterland’s reasonable control;
  • Any loss or damage with regard to the user's data or other data, directly or indirectly caused by malfunction of Hinterland’s system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive codes on Hinterland’s system or third party systems, programming defects;
  • Any interruption, malfunction, downtime or other failure of goods or services provided by third parties, including, without limitation, third party systems such as the public telecommunication service providers, Internet service providers, electricity suppliers, local authorities and certification authorities, or any event over which Hinterland has no direct control.

Capacity to enter into agreements

  • The user hereby warrants to Hinterland that the user has the required legal capacity to enter into and be bound by these terms and conditions;
  • Minors must be assisted by their legal guardians when reading these terms and conditions.

User's liability to Hinterland

  • The user shall be liable to Hinterland for any damages, costs or expenses incurred by Hinterland as a result of any breach by the user of these terms and conditions.

Termination, suspension and limitation

Hinterland may:

  • Impose limits or conditions on the right to certain services, features or functions on this website;
  • Restrict access to parts or all of the services on this website; and
  • Modify, suspend or discontinue this website, whether temporarily or permanently, without notice.

Hinterland’s address

Managing Director
1 Charel de Klerk Street

Contact number: 018 464 7645

Applicable law and jurisdiction

  • The terms and conditions pertaining to any products or services appearing on this website shall be governed and interpreted in accordance with the laws of the Republic of South Africa and application for any of the products or services offered on this website or pages will constitute the user's consent and submission to the jurisdiction of the South African courts regarding all proceedings, transactions, applications or the like instituted by either party against the other, arising from any of the terms and conditions pertaining to this website or such products or services.

General provisions

  • Headings of clauses in these conditions are provided for convenience and ease of reference only and will not be used to interpret, modify or amplify the terms and conditions.
  • No failure or delay by Hinterland to exercise any of Hinterland’s rights will be construed as a waiver of any such right, whether this is done expressly or implied, nor will it affect the validity of any part of these terms and conditions or prejudice Hinterland’s right to take subsequent action against the user.
  • If any of these terms and conditions are held to be invalid, unlawful or unenforceable, the term or condition will be deleted from the remaining terms and conditions, which will continue to be valid to the full extent permitted by the law.