1. Introduction

Welcome to Naspoti Risk Solutions. These terms of Service (“terms”) govern your access to and use of our services, including our website, products, and any other services we provide (collectively, “services”). By using our services, you agree to these terms. If you do not agree to these terms, please do not use our services.

2. Eligibility

By using our services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these terms. If you are using our services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these terms.

3. Use of Services

3.1. Permitted Use

You may use our services for lawful purposes and in accordance with these terms. You agree not to use our services:

3.2. Account Security

If you create an account with us, you are responsible for maintaining the confidentiality of your account information, including your password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to comply with this obligation.

4. Intellectual Property

4.1. Ownership

All content, features, and functionality (including but not limited to text, graphics, logos, icons, images, and software) provided through our services are owned by Naspoti Risk Solutions or our licensors and are protected by intellectual property laws.

4.2. License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our services for your personal or internal business use, in accordance with these terms. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our services, except as explicitly allowed in these terms.

5. Privacy

Our Privacy Policy [link to Privacy Policy] explains how we collect, use, and share your personal information. By using our services, you consent to our collection and use of your information as described in the Privacy Policy.

6. Disclaimers and Limitation of Liability

6.1. Disclaimers

Our services are provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the operation or availability of our services, or the information, content, materials, or products included thereon. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

6.2. Limitation of Liability

To the fullest extent permitted by law, in no event shall Naspoti Risk Solutions, its affiliates, or their respective directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your use of or inability to use our services; (ii) any unauthorized access to or use of our servers and/or any personal information stored therein; (iii) any interruption or cessation of transmission to or from our services; (iv) any bugs, viruses, trojan horses, or the like that may be transmitted to or through our services by any third party; or (v) any errors or omissions in any content or for any loss or damage incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available through our services, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.

7. Indemnification

You agree to indemnify, defend, and hold harmless Naspoti Risk Solutions, its affiliates, and their respective directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising from or related to your use of our services or your violation of these terms.

8. Governing Law

These terms and your use of our services shall be governed by and construed in accordance with the laws of South Africa, without regard to its conflict of law principles.

9. Changes to Terms

We may revise these terms from time to time in our sole discretion. If we make material changes to these terms, we will notify you by email or by posting a notice on our website prior to the effective date of the changes. By continuing to access or use our services after those changes become effective, you agree to be bound by the revised terms.

10. Contact Information

If you have any questions about these terms, please contact us at:

Naspoti Risk Solutions
16 Jan Street, Rocky Drift, 1240
Phone: 087 980 5050/1/2/3
Email: info@naspoti.co.za