IMPORTANT NOTICE: The investment services and information (the "services") available on this website are not targeted at residents outside of the Republic of South Africa. In particular, nothing on this website should be interpreted as targeting persons or entities in the United States of America, Canada, the United Kingdom, Australia and Hong Kong.
Applicants may be granted access to the services once we are satisfied that such access would not be in breach of the relevant laws of the jurisdiction in which the applicant is resident, registered or domiciled.
Applicants may be granted access to the services once we are satisfied that such access would not be in breach of the relevant laws of the jurisdiction in which the applicant is resident, registered or domiciled.
Thank you for visiting our website. Before you go any further it is important that you read and understand the conditions under which you'll use the site.
Acceptance
Online services
Nature of information on the site
Your privacy and security
Amendments to these conditions
Information feeds
Linked third party sites
Permission for hyperlinks, deep linking, crawlers and metatags
Our intellectual property
Software
Transmission of information
Termination, suspension and limitation
No warranties or representations
DISCLAIMER AND LIMITATION OF LIABILITY
How disputes will be resolved
Capacity to enter into agreements
Certificate
Our address for notices and service of legal process
The law governing our relationship
General provisions
Acceptance
These conditions become effective when you access the site for the first time and constitute a binding agreement between us (Standard Bank of South Africa Ltd) and yourself, which will always prevail. The current version of these conditions will govern our respective rights and obligations each time you access this site.
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Online services
Our online products and services (online services) are subject to registration procedures and approvals, which we may accept or reject at our sole discretion.
These online services are governed by separate terms and conditions (service terms) that are available on the relevant sections of this site where the online services are provided. In the event of conflict between these conditions and the service terms, the provisions of the service terms will apply.
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Nature of information on the site
All information on this site is only intended to provide you with general information about us, our products, services and objectives. Nothing on this site should be treated as an offer but merely as an invitation to do business with us.
We may provide information from time to time on:
All information is provided "as is" and should not be treated as professional or investment advice of any kind. You should consult your own professional advisors before relying on any information on this site.
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Your privacy and security
Our commitment to your privacy and the security of your personal information is outlined in our privacy and security statement.
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Amendments to these conditions
We may amend these conditions from time to time. By accessing this site you are bound to the version of the conditions published here at the time of any visit to this site. You agree to view the current version each time you access the site.
A certificate signed by the administrator responsible for maintaining this site will be prima facie proof of the date of publication and content of the current version and all previous versions of the conditions.
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Information feeds
We may use the services of other organisations to provide information on the site. We have no control over this information and make no representations or warranties of any nature as to its accuracy, appropriateness or correctness. You agree that such information is provided "as is" and we will not be directly or indirectly liable for any damages that may arise from your reliance on it.
All quotes, news, market information or data shown on the site by way of live information feeds are delayed by at least 15 minutes unless otherwise stated. You should always select the "refresh" or similar page update function on your Internet browser to ensure that the information you are viewing is the most current.
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Linked third party sites
This site may contain links to other websites with information and material produced by other parties. While we try to provide links only to reputable websites, we cannot accept responsibility or liability for the information provided on other websites. A link from our site to any other website does not mean that we have scrutinised or endorsed the owners or administrators of the websites or their business or security practices and operations.
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Permission for hyperlinks, deep linking, crawlers and metatags
Nobody may establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise (collectively referred to as linking), to this site or any subsidiary pages before receiving our prior written approval, which may be withheld or granted subject to the conditions we specify from time to time.
An application for linking must be submitted to webmaster@standardbank.co.za. Once received we will do our best to respond and enter into further discussions with you. If you don't get a written response from us within five business days, consider your request as having been rejected.
Breach of these conditions entitles us to take legal action without prior notice to you and you agree to reimburse the costs associated with such legal action to us on an attorney and own client scale.
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Our intellectual property
We retain all copyright and other intellectual property rights in all material, including logos and other graphics and multimedia works published on or via the site. You are authorised to view and download one copy to a local hard drive or disk, print and make copies of such printouts, provided that:
Irrespective of the existence of copyright, you acknowledge that we are the proprietor of all material on the site, whether it constitutes confidential information or not, and that you have no right, title or interest in any such material.
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Software
You are required to use and maintain hardware and software of sufficient quality and performance capability and to use only the latest versions of Microsoft Internet Explorer and Netscape browsers. Your failure to use these browsers may result in a higher security risk and/or cause some or all of the functionality of the site not to operate properly or at all.
Software, if any, made available for download on or via our site is governed by licence conditions that establish a legal relationship with the licensor. You indemnify us against any breach of these licence conditions. We give no warranty and make no representation, whether express or implied, as to the quality or fitness for purpose of the use of such software.
NO WARRANTY, WHETHER EXPRESS OR IMPLIED, IS GIVEN THAT ANY FILES, DOWNLOADS OR APPLICATIONS AVAILABLE VIA THIS SITE ARE FREE OF VIRUSES, TROJANS, BOMBS, TIME-LOCKS OR ANY OTHER DATA OR CODE WHICH HAS THE ABILITY TO CORRUPT OR AFFECT THE OPERATION OF YOUR COMPUTER, DATABASE, NETWORK OR OTHER INFORMATION SYSTEM.
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Transmission of information
Information transmitted via an unsecured link over the Internet, including email, is susceptible to potential unlawful access, distortion or monitoring. The measures we have taken to limit these risks are outlined in our privacy and security statement. As we do not have the ability to prevent unlawful activities by unscrupulous persons, you accept that we cannot be held liable for any loss, harm or damage suffered by you as a result. To limit these risks, we may request independent verification of any information transmitted by you via the site or email from time to time.
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Termination, suspension and limitation
We may modify, suspend or discontinue the site, whether temporarily or permanently, without notice. We may also impose limits or conditions on the right to certain services, features or functions and we may restrict access to parts of or all of the services on the site.
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No warranties or representations
We do not warrant that the site or online services will be error-free or will meet any particular criteria of accuracy, completeness or reliability of information, performance or quality.
We expressly disclaim all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, year 2000-compliance, non-infringement, compatibility, security and accuracy.
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DISCLAIMER AND LIMITATION OF LIABILITY
ALTHOUGH WE HAVE TAKEN CARE TO ENSURE THAT THE CONTENT ON THIS SITE IS ACCURATE AND THAT YOU SUFFER NO LOSS OR DAMAGE AS A RESULT OF YOUR USE OF THIS SITE, THIS SITE AND THE ONLINE SERVICES ARE PROVIDED "AS IS".
USE OF THIS SITE AND THE ONLINE SERVICES IS ENTIRELY AT YOUR OWN RISK. YOU ASSUME FULL RESPONSIBILITY FOR THE RISK OR LOSS RESULTING FROM YOUR USE OF THIS SITE AND YOUR RELIANCE ON THE MATERIAL AND INFORMATION CONTAINED ON IT.
WE AND OUR AFFILIATES, SHAREHOLDERS, AGENTS, CONSULTANTS OR EMPLOYEES ARE NOT LIABLE FOR ANY DAMAGES WHATSOEVER RELATING TO YOUR USE OF THIS SITE OR THE ONLINE SERVICES OR THE INFORMATION CONTAINED ON THIS SITE OR YOUR INABILITY TO USE THIS SITE OR THE ONLINE SERVICES. THIS INCLUDES, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER ARISING OUT OF CONTRACT, STATUTE, DELICT OR OTHERWISE AND REGARDLESS OF WHETHER WE WERE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE.
WITHOUT DEROGATING FROM THE GENERALITY OF THE ABOVE, WE WILL NOT BE LIABLE FOR:
How disputes will be resolved
Subject to the relevant service terms, all disputes arising as a result of your use of the site or on the interpretation of these conditions or on any matter which in terms of the conditions requires agreement by the parties, (other than where an interdict is sought or urgent relief may be obtained from a court of competent jurisdiction), will be submitted to and decided by arbitration.
That arbitration will be held with only the parties and their representatives present at the offices of the Arbitration Foundation of Southern Africa, Sandton, Gauteng, South Africa. The arbitration will be governed by the rules of the Arbitration Foundation in terms of South African law and will be heard by an arbitrator or arbitrators appointed by the foundation.
Either party will be entitled to have the award made an order of court of competent jurisdiction. The parties will keep the evidence in the arbitration proceedings and any order made by any arbitrator confidential unless otherwise contemplated. The arbitrator will have the power to give default judgement if any party fails to make submissions on due date and/or fails to appear at the arbitration.
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Capacity to enter into agreements
You hereby warrant to us that you have the required legal capacity to enter into and be bound by contractual terms. Minors must be assisted by their legal guardians when reading these conditions. If you are unsure whether you have the legal capacity to enter into agreements, contact someone able to provide you with this information before you continue using this site.
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Certificate
A certificate signed by us will constitute prima facie proof of the operation or functionality of the online services or any part thereof and the contents of any information displayed on the site on a given date.
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Our address for notices and service of legal process
Our chosen address for any legal notice is:
Director, Legal Services
Group Legal Division
Standard Bank Centre
9th Floor
5 Simmonds Street
Johannesburg
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The law governing our relationship
The conditions will be governed and construed in accordance with the law of the Republic of South Africa without reference to any conflict of law provisions.
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General provisions
The headings of the clauses in the conditions are provided for convenience and ease of reference only and will not be used to interpret, modify or amplify the terms of the conditions.
Where any dates or times need to be calculated in terms of the conditions, the international standard time: GMT plus two hours shall be used.
No failure or delay by us to exercise any of our 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 these conditions or prejudice our right to take subsequent action against you.
If any of these terms, conditions or provisions are held to be invalid, unlawful or unenforceable; the term, condition or provision will be deleted from the remaining terms, conditions and provisions which will continue to be valid to the full extent permitted by law.
If you have any questions or do not understand anything in these conditions please send an email to webmaster@standardbank.co.za and we will respond to you as soon as possible.
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Acceptance
Online services
Nature of information on the site
Your privacy and security
Amendments to these conditions
Information feeds
Linked third party sites
Permission for hyperlinks, deep linking, crawlers and metatags
Our intellectual property
Software
Transmission of information
Termination, suspension and limitation
No warranties or representations
DISCLAIMER AND LIMITATION OF LIABILITY
How disputes will be resolved
Capacity to enter into agreements
Certificate
Our address for notices and service of legal process
The law governing our relationship
General provisions
Acceptance
These conditions become effective when you access the site for the first time and constitute a binding agreement between us (Standard Bank of South Africa Ltd) and yourself, which will always prevail. The current version of these conditions will govern our respective rights and obligations each time you access this site.
Return to the top of the page
Online services
Our online products and services (online services) are subject to registration procedures and approvals, which we may accept or reject at our sole discretion.
These online services are governed by separate terms and conditions (service terms) that are available on the relevant sections of this site where the online services are provided. In the event of conflict between these conditions and the service terms, the provisions of the service terms will apply.
Return to the top of the page
Nature of information on the site
All information on this site is only intended to provide you with general information about us, our products, services and objectives. Nothing on this site should be treated as an offer but merely as an invitation to do business with us.
We may provide information from time to time on:
- projected revenues, income, earnings per share, capital expenditures, dividends, capital structure or other financial items;
- the plans, objectives and/or projections of the bank for future operations, including those relating to the services of the bank; or
- future economic performance.
All information is provided "as is" and should not be treated as professional or investment advice of any kind. You should consult your own professional advisors before relying on any information on this site.
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Your privacy and security
Our commitment to your privacy and the security of your personal information is outlined in our privacy and security statement.
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Amendments to these conditions
We may amend these conditions from time to time. By accessing this site you are bound to the version of the conditions published here at the time of any visit to this site. You agree to view the current version each time you access the site.
A certificate signed by the administrator responsible for maintaining this site will be prima facie proof of the date of publication and content of the current version and all previous versions of the conditions.
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Information feeds
We may use the services of other organisations to provide information on the site. We have no control over this information and make no representations or warranties of any nature as to its accuracy, appropriateness or correctness. You agree that such information is provided "as is" and we will not be directly or indirectly liable for any damages that may arise from your reliance on it.
All quotes, news, market information or data shown on the site by way of live information feeds are delayed by at least 15 minutes unless otherwise stated. You should always select the "refresh" or similar page update function on your Internet browser to ensure that the information you are viewing is the most current.
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Linked third party sites
This site may contain links to other websites with information and material produced by other parties. While we try to provide links only to reputable websites, we cannot accept responsibility or liability for the information provided on other websites. A link from our site to any other website does not mean that we have scrutinised or endorsed the owners or administrators of the websites or their business or security practices and operations.
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Permission for hyperlinks, deep linking, crawlers and metatags
Nobody may establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise (collectively referred to as linking), to this site or any subsidiary pages before receiving our prior written approval, which may be withheld or granted subject to the conditions we specify from time to time.
An application for linking must be submitted to webmaster@standardbank.co.za. Once received we will do our best to respond and enter into further discussions with you. If you don't get a written response from us within five business days, consider your request as having been rejected.
Breach of these conditions entitles us to take legal action without prior notice to you and you agree to reimburse the costs associated with such legal action to us on an attorney and own client scale.
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Our intellectual property
We retain all copyright and other intellectual property rights in all material, including logos and other graphics and multimedia works published on or via the site. You are authorised to view and download one copy to a local hard drive or disk, print and make copies of such printouts, provided that:
- the material is used for considering use of the online services and for no other commercial purposes;
- any reproduction of our proprietary material from this site or portion of it must include our copyright notice in its entirety.
Irrespective of the existence of copyright, you acknowledge that we are the proprietor of all material on the site, whether it constitutes confidential information or not, and that you have no right, title or interest in any such material.
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Software
You are required to use and maintain hardware and software of sufficient quality and performance capability and to use only the latest versions of Microsoft Internet Explorer and Netscape browsers. Your failure to use these browsers may result in a higher security risk and/or cause some or all of the functionality of the site not to operate properly or at all.
Software, if any, made available for download on or via our site is governed by licence conditions that establish a legal relationship with the licensor. You indemnify us against any breach of these licence conditions. We give no warranty and make no representation, whether express or implied, as to the quality or fitness for purpose of the use of such software.
NO WARRANTY, WHETHER EXPRESS OR IMPLIED, IS GIVEN THAT ANY FILES, DOWNLOADS OR APPLICATIONS AVAILABLE VIA THIS SITE ARE FREE OF VIRUSES, TROJANS, BOMBS, TIME-LOCKS OR ANY OTHER DATA OR CODE WHICH HAS THE ABILITY TO CORRUPT OR AFFECT THE OPERATION OF YOUR COMPUTER, DATABASE, NETWORK OR OTHER INFORMATION SYSTEM.
Return to the top of the page
Transmission of information
Information transmitted via an unsecured link over the Internet, including email, is susceptible to potential unlawful access, distortion or monitoring. The measures we have taken to limit these risks are outlined in our privacy and security statement. As we do not have the ability to prevent unlawful activities by unscrupulous persons, you accept that we cannot be held liable for any loss, harm or damage suffered by you as a result. To limit these risks, we may request independent verification of any information transmitted by you via the site or email from time to time.
Return to the top of the page
Termination, suspension and limitation
We may modify, suspend or discontinue the site, whether temporarily or permanently, without notice. We may also impose limits or conditions on the right to certain services, features or functions and we may restrict access to parts of or all of the services on the site.
Return to the top of the page
No warranties or representations
We do not warrant that the site or online services will be error-free or will meet any particular criteria of accuracy, completeness or reliability of information, performance or quality.
We expressly disclaim all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, year 2000-compliance, non-infringement, compatibility, security and accuracy.
Return to the top of the page
DISCLAIMER AND LIMITATION OF LIABILITY
ALTHOUGH WE HAVE TAKEN CARE TO ENSURE THAT THE CONTENT ON THIS SITE IS ACCURATE AND THAT YOU SUFFER NO LOSS OR DAMAGE AS A RESULT OF YOUR USE OF THIS SITE, THIS SITE AND THE ONLINE SERVICES ARE PROVIDED "AS IS".
USE OF THIS SITE AND THE ONLINE SERVICES IS ENTIRELY AT YOUR OWN RISK. YOU ASSUME FULL RESPONSIBILITY FOR THE RISK OR LOSS RESULTING FROM YOUR USE OF THIS SITE AND YOUR RELIANCE ON THE MATERIAL AND INFORMATION CONTAINED ON IT.
WE AND OUR AFFILIATES, SHAREHOLDERS, AGENTS, CONSULTANTS OR EMPLOYEES ARE NOT LIABLE FOR ANY DAMAGES WHATSOEVER RELATING TO YOUR USE OF THIS SITE OR THE ONLINE SERVICES OR THE INFORMATION CONTAINED ON THIS SITE OR YOUR INABILITY TO USE THIS SITE OR THE ONLINE SERVICES. THIS INCLUDES, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER ARISING OUT OF CONTRACT, STATUTE, DELICT OR OTHERWISE AND REGARDLESS OF WHETHER WE WERE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE.
WITHOUT DEROGATING FROM THE GENERALITY OF THE ABOVE, WE WILL NOT BE LIABLE FOR:
- ANY INTERRUPTION, MALFUNCTION, DOWNTIME OR OTHER FAILURE OF THE SITE OR ONLINE SERVICES, OUR SYSTEM, DATABASES OR ANY OF ITS COMPONENTS, FOR WHATEVER REASON;
- ANY LOSS OR DAMAGE ARISING FROM YOUR ORDERS, INVESTMENT DECISIONS, PURCHASES OR DISPOSAL OF GOODS AND SERVICES, INCLUDING FINANCIAL INSTRUMENT(S) OR CURRENCY, FROM THIRD PARTIES, BASED ON THE INFORMATION PROVIDED ON THIS SITE;
- ANY LOSS OR DAMAGE WITH REGARD TO CUSTOMER DATA OR OTHER DATA DIRECTLY OR INDIRECTLY CAUSED BY MALFUNCTION OF OUR SYSTEM, THIRD PARTY SYSTEMS, POWER FAILURES, UNLAWFUL ACCESS TO OR THEFT OF DATA, COMPUTER VIRUSES OR DESTRUCTIVE CODE ON OUR SYSTEM OR THIRD PARTY SYSTEMS; PROGRAMMING DEFECTS; NEGLIGENCE ON OUR PART OR CAUSED BY THE YEAR 2000 COMPUTER PROBLEM;
- 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 SWITCHED TELECOMMUNICATION SERVICE PROVIDERS (CURRENTLY TELKOM), INTERNET SERVICE PROVIDERS, ELECTRICITY SUPPLIERS (CURRENTLY ESKOM), LOCAL AUTHORITIES AND CERTIFICATION AUTHORITIES;
- ANY EVENT OVER WHICH WE HAVE NO DIRECT CONTROL.
How disputes will be resolved
Subject to the relevant service terms, all disputes arising as a result of your use of the site or on the interpretation of these conditions or on any matter which in terms of the conditions requires agreement by the parties, (other than where an interdict is sought or urgent relief may be obtained from a court of competent jurisdiction), will be submitted to and decided by arbitration.
That arbitration will be held with only the parties and their representatives present at the offices of the Arbitration Foundation of Southern Africa, Sandton, Gauteng, South Africa. The arbitration will be governed by the rules of the Arbitration Foundation in terms of South African law and will be heard by an arbitrator or arbitrators appointed by the foundation.
Either party will be entitled to have the award made an order of court of competent jurisdiction. The parties will keep the evidence in the arbitration proceedings and any order made by any arbitrator confidential unless otherwise contemplated. The arbitrator will have the power to give default judgement if any party fails to make submissions on due date and/or fails to appear at the arbitration.
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Capacity to enter into agreements
You hereby warrant to us that you have the required legal capacity to enter into and be bound by contractual terms. Minors must be assisted by their legal guardians when reading these conditions. If you are unsure whether you have the legal capacity to enter into agreements, contact someone able to provide you with this information before you continue using this site.
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Certificate
A certificate signed by us will constitute prima facie proof of the operation or functionality of the online services or any part thereof and the contents of any information displayed on the site on a given date.
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Our address for notices and service of legal process
Our chosen address for any legal notice is:
Director, Legal Services
Group Legal Division
Standard Bank Centre
9th Floor
5 Simmonds Street
Johannesburg
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The law governing our relationship
The conditions will be governed and construed in accordance with the law of the Republic of South Africa without reference to any conflict of law provisions.
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General provisions
The headings of the clauses in the conditions are provided for convenience and ease of reference only and will not be used to interpret, modify or amplify the terms of the conditions.
Where any dates or times need to be calculated in terms of the conditions, the international standard time: GMT plus two hours shall be used.
No failure or delay by us to exercise any of our 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 these conditions or prejudice our right to take subsequent action against you.
If any of these terms, conditions or provisions are held to be invalid, unlawful or unenforceable; the term, condition or provision will be deleted from the remaining terms, conditions and provisions which will continue to be valid to the full extent permitted by law.
If you have any questions or do not understand anything in these conditions please send an email to webmaster@standardbank.co.za and we will respond to you as soon as possible.
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Your right to privacy and security is very important to us. We, Standard Bank of South Africa ("the bank"), treat personal information obtained through the use of this website as private and confidential and are committed to providing you with secure access to our online services.
How we use the personal information we collect
Use of technology to monitor your use of our website
Cookies
Mail, email or SMS promotions
Third parties
When we will disclose personal Information without consent
Storing personal information
Our security practices
Privacy and security statements applying to specific online services
Right to amend this privacy and security statement
How we use the personal information we collect
We need to collect personal or other information if we are to meet our obligations to you, to follow your instructions, to inform you of new services and to ensure that our business is geared towards your needs.
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Use of technology to monitor your use of our website
We gather and analyse information on our visitors' routine use of this website. We use this information to monitor which areas of the website are most frequently visited, to assist us to continue developing a value-added service. This information is pooled so individual personal information, behaviour or patterns cannot be identified.
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Cookies
On some parts of our website we use so-called "cookie" technology. Cookie technology consists of small pieces of data or a small text file which is given to your browser by our webserver when you visit our website. This data is stored on your browser. The cookie is sent back to our webserver each time you visit our website. Cookies are not computer programs and do not run on a computer like programs do. They cannot gather information or function on their own. They cannot collect any personal information about you or your machine and cannot gather data or information about what you do on the Internet. Cookies merely enable us to provide a more valuable online experience to you. While you can set up your Internet browser to disable cookie technology, we do not recommend that you do this since some parts of this website and our online services may not function properly, or at all.
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Mail, email or SMS promotions
Provided that you have agreed to this, we may use your personal or other information to send you information on new services or products that may be of interest to you and from time to time will mail, email or SMS information to you about us, our products and services, or our partners and their products or services. If you do not wish to continue receiving this information you may contact us and we will remove you from our mailing list.
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Third parties
Whenever we commission other organisations to provide support services to us, we will bind them to our privacy policies as far as they may be required to have access to our customers' personal information to perform such services.
Our website may contain links to or from other sites. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content or the security or privacy practices employed by other sites. We recommend that you always read the privacy and security statements on such sites.
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When we will disclose personal Information without consent
We will not disclose personal information to anyone outside the bank without your permission unless:
Storing personal information
Personal information we collect via the website is stored in a secure environment and is not available to any person outside the bank.
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Our security practices
We are committed to providing secure online services. As such, all interactions with our transactional sites are protected through encryption that complies with international standards. Encryption is used to protect the transmission of your personal information when completing online application forms. Our Internet servers are protected by firewalls and intrusion detection systems. Access to information on these servers is restricted to authorized personnel only.
We have also employed the services of independent security experts to test and advise us on the security of our systems.
To ensure that you benefit from our security you should read the security tips we post on our site from time to time.
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Privacy and security statements applying to specific online services
Different online services and Standard Bank entities may have their own privacy and security policies because the nature of their service or products demand a deviation from our general policy. These specific policies will apply to and exclusively govern your use of the particular online service.
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Right to amend this privacy and security statement
We reserve the right to amend this privacy and security statement at any time. All amendments to this privacy and security statement will be posted on the website. Unless otherwise stated, the current version shall supersede and replace all previous versions of this privacy and security statement.
If you have any questions about this privacy and security statement please email us on webmaster@standardbank.co.za.
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How we use the personal information we collect
Use of technology to monitor your use of our website
Cookies
Mail, email or SMS promotions
Third parties
When we will disclose personal Information without consent
Storing personal information
Our security practices
Privacy and security statements applying to specific online services
Right to amend this privacy and security statement
How we use the personal information we collect
We need to collect personal or other information if we are to meet our obligations to you, to follow your instructions, to inform you of new services and to ensure that our business is geared towards your needs.
Return to the top of the page
Use of technology to monitor your use of our website
We gather and analyse information on our visitors' routine use of this website. We use this information to monitor which areas of the website are most frequently visited, to assist us to continue developing a value-added service. This information is pooled so individual personal information, behaviour or patterns cannot be identified.
Return to the top of the page
Cookies
On some parts of our website we use so-called "cookie" technology. Cookie technology consists of small pieces of data or a small text file which is given to your browser by our webserver when you visit our website. This data is stored on your browser. The cookie is sent back to our webserver each time you visit our website. Cookies are not computer programs and do not run on a computer like programs do. They cannot gather information or function on their own. They cannot collect any personal information about you or your machine and cannot gather data or information about what you do on the Internet. Cookies merely enable us to provide a more valuable online experience to you. While you can set up your Internet browser to disable cookie technology, we do not recommend that you do this since some parts of this website and our online services may not function properly, or at all.
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Mail, email or SMS promotions
Provided that you have agreed to this, we may use your personal or other information to send you information on new services or products that may be of interest to you and from time to time will mail, email or SMS information to you about us, our products and services, or our partners and their products or services. If you do not wish to continue receiving this information you may contact us and we will remove you from our mailing list.
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Third parties
Whenever we commission other organisations to provide support services to us, we will bind them to our privacy policies as far as they may be required to have access to our customers' personal information to perform such services.
Our website may contain links to or from other sites. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content or the security or privacy practices employed by other sites. We recommend that you always read the privacy and security statements on such sites.
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When we will disclose personal Information without consent
We will not disclose personal information to anyone outside the bank without your permission unless:
- we are compelled to do so by law or in terms of a court order;
- it is in the public interest to do so;
- it is necessary to protect our rights.
Storing personal information
Personal information we collect via the website is stored in a secure environment and is not available to any person outside the bank.
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Our security practices
We are committed to providing secure online services. As such, all interactions with our transactional sites are protected through encryption that complies with international standards. Encryption is used to protect the transmission of your personal information when completing online application forms. Our Internet servers are protected by firewalls and intrusion detection systems. Access to information on these servers is restricted to authorized personnel only.
We have also employed the services of independent security experts to test and advise us on the security of our systems.
To ensure that you benefit from our security you should read the security tips we post on our site from time to time.
Return to the top of the page
Privacy and security statements applying to specific online services
Different online services and Standard Bank entities may have their own privacy and security policies because the nature of their service or products demand a deviation from our general policy. These specific policies will apply to and exclusively govern your use of the particular online service.
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Right to amend this privacy and security statement
We reserve the right to amend this privacy and security statement at any time. All amendments to this privacy and security statement will be posted on the website. Unless otherwise stated, the current version shall supersede and replace all previous versions of this privacy and security statement.
If you have any questions about this privacy and security statement please email us on webmaster@standardbank.co.za.
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 Let's be the bank that helps you get from where you are to where you Enter now and you could win great cash prizes to help you get to where you want to be. You could pay your bond or buy groceries, the possibilities are endless!
You can win one of three cash grand prizes, and a number of great weekly spot prizes. Grand prizes
Spot prizes to be won each week
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So enter now and win your share of R60,000 and some great spot prizes. Read the competition terms and conditions
For more chances to win other great prizes, enter our competition on Mxit (find "Standard Bank" under Mxit Mix and add us to your contacts), or standardbank.mobi (click on "Moving Forward").
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My wife and I established ourselves in Cape Town as tour operators in 1999 with a mere R50. Two years later, cash flow constraints forced us to look at banks for financial support for a business trip to a Scandinavian trade show.
Standard Bank assisted us with an overdraft to finance our travel. We went on to secure a niche opportunity, which has resulted in Eternity Adventures facilitating a steady stream of 1200 Scandinavian seasonal tourists to South Africa.
I believe that it was the relationship of trust with our Standard Bank manager and the manager’s commitment to help us that secured our much-needed overdraft, which then gave us the opportunity to take our business to the next level.
Upon the advice of our Standard Bank business banker, our business also benefited from the convenience of Banking Online as well as the reduced costs associated with electronic transactions.
As a provider of ground logistics and a novel approach towards tours, our company has enjoyed phenomenal growth since the trade fair in Scandinavia and according to SA Tourism, every five tourist visiting South Africa results in the creation of one job, so we’re delighted to be making a difference.
We provide a holistic service for our clients, one of which is a major Scandinavian owned travel company. We facilitate all aspects of inbound logistics for the many groups they send to us, including looking after their tour leaders and supplying bus drivers.
We believe our hands-on, niche approach has contributed to the company’s success.
We do more than just a coach tour. We don’t just take clients to Cape Point, but we take them to Olifants Bos on the Atlantic side and every person is encouraged to become a part of a beach cleanup along the way, collecting plastic bottles. People then become part of an experience that they will remember for a long time and it’s this ‘experiential’ niche that sets us apart.
By setting an example, we are keen to revolutionize tourism in South Africa and our vision of promoting zero-carbon foot print tours - where tourists get to cycle, walk and sail in favour of tour bus transport - are gaining popularity. Ideally, we’re aiming to move tourists without a coach, and we’re keen to get as much support from other agents as possible.
Currently, we are also trying to champion the use of 5 litre containers of filtered water as opposed to the current tourists’ choice of small bottled water – a prime littering threat.
It’s an idea that we want others to copy, for the benefit of tourism and our country.
Sharing the success of Eternity Adventure, our tips for other entrepreneurs keen on making a success of their small business include the following:
- Find a niche market and whatever you choose, make sure you become the best
- Turnover is vanity and cash flow is reality – keep your overheads as low as possible. Work from home if you can and if your business allows this
- Balance your family and your business needs. Don’t sacrifice the values you hold special. Live your life but don’t give it away
- Do unto others in business what you want others to do unto you: Treat others well and be humble
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For nine years I learnt the art of growing tree saplings while working for a leading paper supplier. My knowledge of seed germination and treatment, to the hardening of tiny plants into sturdy saplings ready for the field, created an opportunity for me to become a supplier to the paper giant. I hesitated at first because although I knew how to grow trees, I didn't know much about running a business.
Seven years later, I haven't looked back. From an initial 22 workers in 2002, today I employ 120 staff and produce 9 million seedlings and 1,1 million cloned saplings per year.
Over the years, I have grown my business as carefully as the saplings that I nurture.
I am cautious and diligent about doing things the right way. From the start I have welcomed professional financial advice from my banker at Standard Bank. I am not scared to embrace the convenience and cost-savings that electronic banking offers, and I have moved from weekly cash envelopes for each worker to opening Mzansi bank accounts for every employee. Business online has freed up valuable business time. Today it takes me 15 minutes to pay my staff and I don't have to worry about the risk of cash on site. I use a range of banking products; a business banking account, a Corporate card to pay suppliers, vehicle finance for my transport requirements, retirement annuities and estate planning.
I am conservative to the core and I believe that my cash flow is the lifeblood of my company. The money I make is for the business; to grow the business; to maintain equipment and pay workers, because without my workers or proper equipment I have no business. I am also passionate about investing in my workers, and have onsite training sessions to ensure they have the necessary knowledge to maintain sapling output.
My advice to other budding entrepreneurs is to make your business make money. But, don't think the money is yours - it's to grow the business. Draw a small salary and don't mix business and personal finances. Don't rush the good things - leave the flashy cars for much later for when you can truly afford them. Much of my success has been inspired by entrepreneur and mining magnate, Patrice Motsepe. I used to tell my wife that I want to be successful, just like Motsepe. Although I'm not educated, I know I can achieve this.
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I had two taxis, which were financed by Standard Bank in 1986. This marked the start of a long and successful journey for me as I progressively inched my income upwards.
My taxi investment was followed by a restaurant established in my local village in Limpopo, and in time I sold this business and purchased a four ton truck to distribute fruit and vegetables. Keen on starting my own road works and construction business, I sold the taxis and truck to free up valuable capital.
In 1998 my company was recognized as the first Black owned company in Limpopo to win a R5 million road tender. Today, my thriving business is one of the most successful private construction companies in Limpopo and I employ 110 people from the local community.
During my varied and increasingly profitable business dealings, Standard Bank stood by me. My Business banker advised me on a Savings account, where I was able to save up and accumulate capital for that rainy day. As my business grew, so did my banking needs and the financial advisor helped me by giving me the right product at the right time. I got a business current account which allowed me to monitor and manage my business income expenses diligently and a Corporate card for when I needed to make those urgent purchases.
Most recently I purchased assets including two large tipper trucks, valued at R5 million each. Again, I financed these through Standard Bank's Vehicle and Asset Finance, thus enabling my business to keep up with contracting demands.
My dreams for a bigger company have grown with time and today I have my sights set firmly on becoming as large as some of the JSE listed construction company greats. I believe I have the potential - I have the right people, the right skills and mostly, I believe that the recipe for success is pure hard work. I am on site every day, I get personally involved in all our jobs - I know what is going on in my company and this has helped us grow.
Management expertise is an important consideration for me. My two recently graduated children are both involved in the construction industry, with the objective of learning from the construction giants, so that when they join the family business, they bring with them valuable experience and skills.
Over the years, my knowledge of business has grown and I have learnt many valuable lessons. The advice I would give to fellow entrepreneurs is that apart from pure hard work, it pays to keep business income separate from personal income. Know what's going on in your business and have a good relationship with your bank.
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Standard Bank is a registered financial services provider in terms of the Financial Advisory and Intermediary Services Act. |
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