Terms and Conditions

In terms of Section 11 of the Electronic Communications and Transactions Act 25 of 2002, as amended ("ECTA"), these Terms and Conditions ("T&Cs") are binding and enforceable against all persons that access the Click2Save Lead Generation Platform (the "Platform") or any part thereof.

If you do not agree to these T&Cs, do not submit your quote request. Completing a submission confirms that you have read, understood, and agreed to these T&Cs.

3. Definitions and Interpretations

In these T&Cs, unless the context indicates that some other meaning is intended:

3.1 "User" means a User who is a natural or a juristic person and utilises the Platform of the Company as listed on the Website.

3.2 "Click2Save Lead Generation Platform" or "Platform" means the Online Platform located on the Website.

3.3 "Web domain address" means the website hosted on the domain: https://click2save.co.za/

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 the 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.

3.6 Hyperlinks have been used in these T&Cs. 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&Cs.

4. Privacy

4.1 The Company will respect the privacy of the Registered Users and will take reasonable measures to protect it, as more fully detailed in our Privacy Policy.

5. Platform Role & Matchmaker Disclaimer

5.1 Matchmaker Status Only: Click2Save operates strictly as an online commercial marketing, lead generation, and matchmaking platform. The Company is not a Financial Services Provider (FSP) under the FAIS Act, insurer, or product administrator.

5.2 No Approval or Financial Decisions: The Company does not make underwriting decisions, administer insurance policies, or directly sell third-party products. The Platform functions solely to match your submitted request with independent, vetted third-party service providers, clients, and institutions in relation to the product or services requested.

5.3 Downstream Relationship: Any quotes, offers, terms, rates, or contracts resulting from a match are concluded strictly between you and the matched third-party provider. The Company has no involvement in, nor liability for, third-party underwriting, pricing, eligibility decisions, or contract administration.

6. Intellectual Property & Statistical Data

6.1 The Company owns and retains all rights to the non-personal statistical information collected and compiled by the Company.

7. Prohibited Practices

7.1 It is not allowed (hereinafter "Prohibited Practices") to:

• 7.1.1 Use the Platform in a manner which may cause damage to the Company, other Users or any third party;
• 7.1.2 Undermine the security or integrity of any of the Company's computing systems or networks;
• 7.1.3 Use the Platform in any way to impair functionality or interfere with other Users;
• 7.1.4 Access the Platform or Website without permission;
• 7.1.5 Make use of the Company's systems to commit fraud;
• 7.1.6 Act in a manner that is disrespectful or abusive to the Company systems and staff;
• 7.1.7 Publish, upload, exchange or transmit Prohibited Content;
• 7.1.8 Publish, upload, exchange or transmit any content that the 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;
• 7.1.9 Misrepresent themselves for the purpose of deceiving the Company, the Users or third parties;
• 7.1.10 Publish, upload, exchange or transmit to the Company, other Users or third parties any unwanted notices or other content of a commercial or malicious nature, without prior request or consent, mainly including notices and other content of the same or similar nature;
• 7.1.11 Purposefully publish, upload, exchange or transmit any content containing computer viruses, worms, and programs that may obstruct or hinder the regular operation of the Platform, or cause damage or destruction of any computer program, computer or other equipment owned by the Company, other Users or third parties;
• 7.1.12 Collect, process or use personal data of Users or third parties in an unauthorised manner;
• 7.1.13 Engage in overt or covert advertising (verbal or graphic representation of products, personal names, company names, trademarks — registered or unregistered — and service marks, businesses etc.) in an unauthorised manner.

8. Collection and Processing of Personal Data by Other Users or Third Parties

8.1 The Platform contains content and may contain links to third-party platforms, through which other Users or third parties may gain authorised or unauthorised access to the User's personal data. These T&Cs do not apply to the collection, processing or use of personal data that the User has communicated to other Users and/or third parties. It is in the User's best interest to acquaint themselves with the rules of personal data protection, and the protection of privacy applied by other Users and/or third parties.

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 Full name and legal status of the Online Product owner:
Referral Trail (Pty) Ltd (Registration No: 2023/506938/07)

9.2 Physical Address:
8 Parkland Lane, Dainfern, Johannesburg, 2191, South Africa

9.3 Main business: Marketing and collection of Personal Information from individuals who may be interested in a specific type of service, and the sale of this Personal Information to the Company's clients, whose businesses provide the services in the area for which the personal information was collected.

9.4 Website address: https://click2save.co.za/

9.5 Official email address: click2save@referraltrail.com

9.6 Access to and browsing of the Website is provided free of charge. Where specific premium features or lead-generation services carry fees, these will be disclosed prior to transaction.

9.7 Users may lodge complaints concerning the Platform by contacting the Information Officer via email at click2save@referraltrail.com

10. Dispute Resolution & Anti-Disparagement

10.1 Private Resolution & AFSA Arbitration: Any dispute between you and the Company shall first be addressed through good-faith negotiation, followed by non-binding mediation. If unresolved, the dispute shall be referred to binding, confidential arbitration under the expedited rules of the Arbitration Foundation of Southern Africa (AFSA).

10.2 Third-Party Disputes: Disputes regarding quotes, rates, offers, or contact conduct from a matched third-party provider are strictly between you and that provider.

10.3 Prohibition of Public Disparagement: Neither party shall publicise or broadcast any dispute, grievance, or defamatory comment on social media, public review boards, or online forums. Public disparagement causes severe commercial harm, and any breach of this provision may result in legal claims for damages.

11. General & Governing Law

11.1 Force Majeure (Including Power Failures & Load-Shedding): The Company shall not be liable for any failure or delay in performance caused by events beyond reasonable control, including electrical grid failures, power surges, or electrical load-shedding.

11.2 Governing Law & Jurisdiction: These Terms are governed strictly by the laws of the Republic of South Africa. Parties consent to the jurisdiction of the High Court of South Africa (Gauteng Division, Gauteng).