WEBSITE TERMS AND CONDITIONS AND PRIVACY POLICY
OPENING
1. In terms of Section 11 of the Electronic Communications and Transactions Act 25 of 2002, as amended (“ECTA”) these Terms and Conditions (“T&C’s”) are binding and enforceable against all persons that access the CraigHoggins.com (the “Platform”) or any part thereof or make use of the Platform.
2. If you do not agree with the T&C’s, do not accept and do not click the accept box. Leave immediately and terminate use of the Platform. Any delay in leaving and terminating use of the Platform shall be regarded as the User’s full and unconditional understanding and acceptance of these T&C’s.
3. DEFINITIONS AND INTERPRETATIONS
In these T&C’s, unless the context indicates that some other meaning is intended:
3.1. “User” means a Registered User who has completed the electronic registration for the Platform as a User who is a natural or a juristic person and utilises the Platform of the Company as listed on the Website;
3.2. “Craighoggins.com” or “Platform” means the Online Platform located on the Website;
3.3. “web domain address” means the website hosted on the domain https://craighoggins.com
3.4. Any words indicated with inverted commas and starting with a capital letter shall bear the definition of the phrase or concept immediately preceding same as if it were included as a definition in terms of this clause;
3.5. References herein to the singular include the plural and vice versa; and
3.6. Hyperlinks have been used in these T&C’s. The fact that some or all of the hyperlinks may be non-operational shall not play a role in the determination of the validity and interpretation of these T&C’s.
4. USER INFORMATION
4.1. The Company will respect the privacy of the Registered Users and will take reasonable measures to protect it, as more fully detailed below.
4.2. When registering on the Platform the Company will require that Registered Users provide it with personal information.
4.3. Should the Registered User’s personal information change, the Registered User shall inform the Company and provide it with updates to his/her/its personal information as soon as reasonably possible to enable the Company to update such personal information.
4.4. The Registered User may choose to provide additional personal information to the Company, in which event the Registered User agrees to provide accurate and current information, and not to impersonate or misrepresent any person or entity or falsely state or otherwise misrepresent their affiliation with anyone or anything.
5. PURPOSE AND MANNER OF PERSONAL DATA COLLECTION AND USE
5.1. The Company collects and processes personal data in accordance with the provisions of the European Union General Data Protection Regulation (“GDPR”) and Protection of Personal Information Act, No 4 of 2013 (“POPIA”), as amended and other regulations in force in the Republic of South Africa.
6. PRIVACY STATEMENT IN TERMS OF THE GDPR AND POPIA
6.1. The following data may be collected:
6.1.1. The Registered User’s Name, Email Address, Telephone Number, IP address, non-personal browsing habits and click patterns, Postal Address, Gender, Age, Employment Status, previous Financial Lenders, if the Registered User is a Homeowner and the Property Value; if the Registered User wishes to borrow money, then the amount and time period you wish to repay it in, and any other Debts.
6.1.2. As and when necessary, The Company may electronically collect, store, disclose and/or use the personal information.
6.1.3. Information collected from Registered Users is required to utilise the functionality of the Platform and such information shall not be used for any other purpose without the Registered User’s prior consent.
6.1.4. All information collected is kept strictly confidential, and all reasonable steps are taken to ensure that information is secured in storage until ultimate destruction. It will not be shared with any third party without the prior written consent of the Registered User.
6.1.5. The Company shall take all reasonable steps to protect the personal information of Registered Users and is committed to respecting the privacy of the Registered User’s personal information. For the purpose of these T&C’s, “personal information” shall be defined as detailed in the POPIA. As and when necessary, The Company may electronically collect, store, disclose and/or use the Registered User’s personal information.
6.1.6. The Company will ensure that all its employees, third-party service providers, (including their employees and third-party service providers) having access to the Registered User’s personal information are bound by appropriate and legally binding confidentiality obligations in relation to the Registered User’s personal information and that such confidentiality meets any applicable law, regulation, legal process, or enforceable governmental request.
6.1.7. The Registered User’s personal data will be hosted and stored in countries which might not have the adequacy decision of the European Union; other third-party contractors may have access to the Registered User’s data only for the purpose specified herein, and the access of such third parties is strictly controlled.
6.1.8. Whenever the Company is sending data to countries that are not providing the same level of protection as the EU’s GDPR, the Company will use appropriate safeguards to protect the Registered User’s personal data, including but not limited to Standard Contractual Clauses for Processors.
6.2. The Company collects stores and uses the abovementioned information in order to:
6.2.1. Communicate requested information to Registered Users;
6.2.2. Respond to queries, responses or complaints submitted by Registered Users;
6.2.3. Process orders or applications for The Company Products and/or services;
6.2.4. Create Products or services that may meet the future requirements of Registered Users;
6.2.5. Provide Registered Users with access to restricted pages on the Platform; and
6.2.6. Compile non-personal statistical information about browsing habits, click patterns and access to the Platform.
6.3. Personal information detailed above is collected and/or stored either electronically using “cookies” or is provided voluntarily with the Registered User’s knowledge and consent. The Registered User can determine any use of cookies through your browser settings but note that turning off cookies may cause certain features of the online services or Platform to be unavailable to the Registered User.
6.4. The Company may further collect non-personal information, for example, the Registered User’s IP address, the date and time of their visits to the Platform, and browser history, to recognise the Registered User during any subsequent visits to the Platform and/or use of the online services. The Company may further use this non-personal information to develop future products and/or services to meet the Registered User’s requirements and needs.
6.5. The Company owns and retains all rights to the non-personal statistical information collected and compiled by the Company.
6.6. The Company will not share the Registered User’s personal information outside of the Company except in the following cases:
6.6.1. With prior consent;
6.6.2. With its employees and/or third-party service providers who assist with the Platform;
6.6.3. When processing of information is necessary for the performance of a contract with the Registered User;
6.6.4. When The Company has a legal obligation to share the information;
6.6.5. When the information is necessary in order to protect the vital interests of the Registered User or of another person;
6.6.6. When the information is necessary for the performance of a task carried out in the public interest or the exercise of official authority vested;
6.6.7. When the information is necessary for the purposes of the legitimate interests pursued by the Company or by a third party, except where such interests are overridden by the interests or fundamental rights and freedoms of the Registered User which require protection of personal data.
6.7. It is not allowed (hereinafter “Prohibited Practices”) to:
6.7.1. Use the Platform in a manner which may cause damage to the Company, other Users or any third party;
6.7.2. Undermine the security or integrity of any of the Company’s computing systems or networks;
6.7.3. Use the Platform in any way to impair functionality or interfere with other Users;
6.7.4. Access the Platform or Website without permission;
6.7.5. Make use of the Company’s systems to commit fraud;
6.7.6. Act in a manner that is disrespectful or abusive to the Company systems and staff;
6.7.7. publish, upload, exchange or transmit Prohibited Content;
6.7.8. publish, upload, exchange or transmit any content that the Registered User knows to be false or untrue, or has justifiable reasons to believe it to be false or untrue, and whose use may cause damage to the Company, other Users or third parties;
6.7.9. for any Registered User misrepresenting him/her/itself for the purpose of deceiving the Company, the Users or third parties;
6.7.10. publish, upload, exchange or transmit to the Company, other Users or third parties any unwanted notices or other content of commercial or malicious nature, without prior request or consent, mainly including notices and other content of the same or similar nature;
6.7.11. purposeful publishing, uploading, exchange or transmission of any content containing computer viruses, worms, and programs that may obstruct or hinder the regular operation of the Platform, cause damage or destruction of any computer program, or any computer and other equipment owned by the Company other Users or third parties;
6.7.12. collect, process or use personal data of the Registered Users or third parties in an unauthorised manner;
6.7.13. engage in overt or covert advertising (verbal or graphic representation of Products, personal names, names of companies, names, trademarks (registered or unregistered trademarks and service marks), businesses etc.) in an unauthorised manner.
7. Collection And Processing Of Personal Data By Other Users Or Third Parties
7.1. The Platform contains content and may contain Links to third-party Platform, through which other Registered Users or third parties may gain authorised or unauthorised access to the Registered User’s personal data. These T&C’s do not apply to the collection, processing or use of personal data that the Registered User has communicated to other Registered Users and/or third parties. It is in the Registered User’s best interest to acquaint themselves with the rules of personal data protection, and the protection of privacy applied by other Registered Users and/or third parties.
7.2. By furnishing the Company with its personal information via the online form, survey, quiz or questionnaire, the Registered User consents to the Company’s usage of its personal information in respect of the services it provides.
7.2.1. In doing so, the Company aims to collect the least amount of personal information that is required to process, as a result of the specific query made by the Registered User. Based on the specific query, the personal information collected will be sent to the Third-Party to contact the Registered user about their offerings in line with the query.
8. Modification And Deletion Of Personal Data
The Registered User is legally entitled to request modification or deletion of their personal data or deletion from the Registered User database at any time. Modification or deletion of data shall be effected on the basis of an appropriate notice addressed to The Company.
9. Disclosures Required By Section 43 Of The ECTA
Access to the services, content, software and downloads available from the Online Products may be classified as “electronic transactions” as defined in terms of ECTA and you therefore may have the rights detailed in ECTA. Accordingly, the following information is provided:
9.1. The full name and legal status of the Online Product owner: Online Marketing Guys (PTY) Ltd with (Registration No: 2012/076460/07).
9.2. Physical Address: 67 Forest Drive, Pinelands, Cape Town, 7405, South Africa
9.3. Main business: Marketing and collection of Personal Information from individuals who may be interested in a specific type of service or training.
9.4. The Website address of the Website is: https://craighoggins.com
9.5. The official e-mail address of the Website is: savvy@craighoggins.com
9.6. Access to and use of the Website is provided free of charge and paid for;
9.7. Users may lodge complaints concerning the Platform by contacting the Data Privacy Officer via email on savvy@craighoggins.com.
9.8. Users may opt out of email marketing communications at any time by unsubscribing via this link: Unsubscribe
10. Email & Sms Marketing
Following the Disclosure from Clause 9:
From time to time, craighoggins.com may be used to communicate offers to users of the website and Platform via SMS and/or Email Marketing. This is only allowed for users who have ticked the checkbox mentioned in clause 1 of this Privacy Policy.
10.1 Users may opt out of Email Marketing communications at any time by unsubscribing via this link: Unsubscribe
10.2 Users may opt out of SMS Marketing communications at any time by replying to SMS’s received with the “STOP” opt out response.
11. COOKIES
To read our full Cookie Policy and also understand the various Data Processing Scopes that user’s consent to via forms used on the website and the Platform, please visit the page by clicking the button below:
Online Marketing Guys (PTY) Ltd
Registration No: 2012/076460/07
T/A Craig Hoggins.com
of 67 Forest Drive, Pinelands, Cape Town, 7405, South Africa
(as the “Company”)
To send a request regarding your personal information and the processing there of, or to access Online Marketing Guys’s Promotion of Access to Information Act (PAIA) manual, please click here.
Should you be unsatisifed with the resolution of your complaint, you have the right to refer it to the South African Information Regulator, the supervisory authority for data protection issues in South Africa. Enquiries should be directed to
Email: IR@justice.gov.za
Website: https://www.justice.gov.za/inforeg
COOKIE POLICY
Our Privacy Policy references this cookie policy and runs concurrently with it. This policy explains what cookies are, how we use them, and how you can control them when using our websites or visiting them.
The “Platform” means the Online Platform located on the Website.
“User” means a Registered User who has completed the electronic registration for the Platform as a User who is a natural or a juristic person and utilises the Platform of the Company as listed on the Website
Craighoggins.com reserves the right to the use of cookies.
What Are Cookies?
A cookie is an anonymous individual identifier in the form of small text files placed on the device being used by the Registered User and sent via it’s browser Platform. Cookies are sent when the User accesses the Platform. They are stored on the User’s computer and serve to record information about the User’s subsequent online visits. Therefore, after a cookie has been stored on the User’s computer every time the User returns to the Platform, it shall look for the cookie in order to read the stored data. It does not contain or send any personal information stored on the User’s computer to the Platform.
Why Do We Make Use Cookies?
We use cookies to enable faster and more efficient activation of information, data and settings previously communicated during access and use of the Platform. Cookies also provide a number of useful functions to the User, including:
• allowing the browser to keep track of preferences, location, or device type, in order to personalize the functionality of the Platform,
• increasing the efficiency and performance of the website and Platform,
• recognizing our audiences so that we may deliver content that is most valuable to the User,
• enabling third-party integrations to function correctly on the website and Platform for their intended use.
Types Of Cookies We Use
While we do set a number of cookies on the website ourselves, third parties, such as suppliers or advertisements, may also set certain cookies on the website. These cookies may be deleted from your device in various ways, for example: after the User ends a current browsing session (exiting the website), or after a predetermined period of time, or they may stay on the User’s device until manually deleted.
We make use of the following cookies:
ESSENTIAL COOKIES (STRICTLY NECESSARY)
Strictly necessary cookies are classified as cookies that must be present for the website to provide basic functions and cannot be disabled by our system. They are typically set in response to your requests for important features and services, such changing your privacy settings, logging in, or finishing forms / requests. Although you can configure your browser to block or notify you about these cookies, keep in mind that some aspects of the website and Platform could stop working properly.
Note: Personally identifiable information is not stored in these cookies. Please see the Cookie Consent section for details on cookies used under this category
PERFORMANCE COOKIES
Performance cookies are used primarily to track information about how visitors utilize our website, which pages are most frequently visited or whether the User encounter errors. These cookies monitor only the performance of the site as the User interacts with it. These cookies don’t collect identifiable information on visitors, which means all the data collected is anonymous and only be used to improve the functionality of a website. The website won’t be optimized for User usage if the User refuses to accept these cookies.
ADVERTISING & TARGETING COOKIES
Cookies under this category may be set through our website and the Platform by our advertising partners. They might be used by those businesses to create a profile of the User’s interests and present the User with relevant, interest-based advertisements on other websites. Users will see advertisements on and off the website and Platform that are relevant to each User’s interests once Behavioural Advertising cookies have analysed information about a User’s browsing history and interests.
Note: These cookies are based on uniquely identifying a User’s browser and internet device rather than directly storing personal information. Users will see less advertising that is specifically suited to their interests if they do not permit these cookies.
Please see the Cookie Consent section for details on cookies used under this category.
Cookies Consent
Users who submit forms on our website via the Platform, may tick a checkbox that confirms their agreement to the processing of their data in line with the Privacy Policy, which also allows the User to continue completing the form. This checkbox must be present on all forms, appears only once and will appear in specific steps/questions of the form. Such steps/questions may be either on request of the User’s email address and/or phone number (wherever placed, the function remains the same for all prior entered personal information or post entered personal information, from the point at which the checkbox appears). In some cases, the checkbox may appear at the start of the form or at the end. A User cannot submit our forms if they do not agree to our Privacy Policy and thus do not tick the checkbox.
Please find a list below of the various Data Processing Scopes & Cookies/Trackers used on the website and by the Platform:
Essential Cookies
Cookie Name / Tracker: Google Tag Manager
Cookie purpose: Includes tag managers, privacy notices, and technologies that are critical to the functionality of a website.
Site Analytics
Cookie Name / Tracker: Google Analytics
Cookie purpose: Collects and analyzes data related to site usage and performance.
Cookie Name / Tracker: Twitter Analytics
Cookie purpose: Collects and analyzes data related to site usage and performance.
Cookie Name / Tracker: Yahoo! Analytics
Cookie purpose: Collects and analyzes data related to site usage and performance.
Advertising:
Cookie Name / Tracker: Double Click
Cookie purpose: Provides advertising or advertising-related services such as data collection, behavioural analysis or retargeting.
Cookie Name / Tracker: Facebook (includes Facebook Custom Audience)
Cookie purpose: Provides advertising or advertising-related services such as data collection, behavioural analysis or retargeting.
Cookie Name / Tracker: Google Ads (includes GA Audiences)
Cookie purpose: Provides advertising or advertising-related services such as data collection, behavioural analysis or retargeting.
GA Audiences is used by Google Ads to re-engage visitors that are likely to convert to customers based on the visitor’s online behaviour across web sites.
Cookie Name / Tracker: Outbrain (includes Outbrain Amplify)
Cookie purpose: Provides advertising or advertising-related services such as data collection, behavioral analysis or retargeting.
Cookie Name / Tracker: Taboola
Cookie purpose: Provides advertising or advertising-related services such as data collection, behavioral analysis or retargeting.
Cookie Name / Tracker: Twitter Advertising (includes Twitter Conversion Tracking)
Cookie purpose: Provides advertising or advertising-related services such as data collection, behavioral analysis or retargeting.
Cookie Name / Tracker: Yahoo! (includes Yahoo! DOT Tag)
Cookie purpose: Collects and analyzes data related to site usage and performance.
Cookie Name / Tracker: Reddit
Cookie purpose: Collects and analyzes data related to site usage and performance.
How To Delete Cookies
In most cases, your internet browser accepts cookies without your intervention, but you can change your settings to avoid this from happening. Although the Platform requires cookies in order to function correctly, please be aware that deleting them manually may render some features of the Platform inoperable.
Feel free to use a search engine to learn how to clear or delete cookies on your specific browser, or alternatively visit this useful blog article by Privacy Policies for instructions:
https://www.privacypolicies.com/blog/how-to-delete-cookies
Further Cookie Questions
Can I block targeting cookies?
Majority of web browsers include the ability to set cookie settings to block targeting cookies (also referred to as third-party cookies). In some browsers it’s as easy as turning off third-party cookies, but if your web browser doesn’t allow you to manage advanced cookie settings, you can choose to set cookie functionality to “strict” or “essential”. Should you not wish to block all third-party cookies, you may manage your cookie settings by deleting (or blocking) cookies for particular websites only.
What happens if I disable third-party cookies in my browser?
A website will not be able to trace your browsing activity as you switch from one website to the next if you disable third-party cookies in your browser’s settings. Therefore, you can limit tracking advertising by third-party companies by disabling third-party cookies in your web browser.
Why do cookies still function even after my browser is closed?
The web browser’s memory is where session cookies (also referred to as temporary cookies) are stored (not on your computer disk). When you quit your browser, session cookies become inactive because they are only active for the current browsing session. On the other hand, persistent cookies are kept on your device to help with your browsing by remembering your login information, settings, and preferences that you have previously used and saved on a website. Because of this, these cookies continue to function even after you close your browser, making it easier for you to use websites. Persistent cookies have an expiration date, and when that date arrives, they are automatically deleted. You can modify your browser’s settings so that it deletes all cookies after each browsing session. You can also specify an expiration date for particular cookies in some browsers. It’s crucial to keep in mind that if you delete cookies from your browser after each browsing session, you will have to log in and choose your preferences again the next time you open a browser window.
How can I control my cookie settings so that only cookies that are absolutely necessary are allowed?
In order to only enable necessary cookies on your browser, you may change your cookie settings by only allowing cookies while you are actively visiting a website or by setting your cookie settings to “strict” or “essential” dependent on your browser settings. It’s crucial to keep in mind that disabling cookies may prevent many websites from functioning properly before you alter your cookie settings.
I still have some questions about cookies. How do I contact CraigHoggins.com with my request?
You can click here to contact Craighoggins.com with a request for further information about cookies.
Cookie Policy Updates
This policy may occasionally be modified by us. When we make significant changes to our policy, we’ll either send Users an email or place a prominent notice on our website.
Online Marketing Guys PTY ltd
T/A craighoggins.com
67 Forest Drive,
Pinelands,
Cape Town,
7405,
South Africa
To send a request regarding your personal information and the processing there of, or to access Online Marketing Guys’s Promotion of Access to Information Act (PAIA) manual, please click here
Should you be unsatisifed with the resolution of your complaint, you have the right to refer it to the South African Information Regulator, the supervisory authority for data protection issues in South Africa. Enquiries should be directed to:
Email: IR@justice.gov.za
Website: https://www.justice.gov.za/inforeg