Terms & Conditions

Terms and Conditions – CS Debt Counselling

1. Introduction

Welcome to CS Debt Counselling (“we,” “us,” or “our”). These Terms and Conditions govern your use of our website www.csdebt.co.za, including all its subdomains and related services. By accessing or using our website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please refrain from using our website.

2. Services Offered

On our website, we provide information about the following services:

a. Debt Counselling: We offer debt counselling services to individuals seeking financial advice and assistance with managing their debt.

b. Insurance Products: We provide information about insurance products available through our sister company, CS Insure.

c. ITC Clearance Note: We offer information about obtaining ITC clearance notes, and as people click on this service, they will be directed to our sister company’s website, www.csclear.co.za.

3. Privacy Policy

By using our website, you also agree to our Privacy Policy [link to Privacy Policy page], which outlines how we collect, use, and disclose your personal information.

4. Eligibility

You must be at least 18 years old to access and use our website’s services. By using our website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms and Conditions.

5. Intellectual Property

All content on www.csdebt.co.za, including text, graphics, logos, images, icons, and software, is the property of CS Debt Counselling or its content suppliers and is protected by applicable copyright laws. You may not reproduce, modify, distribute, or otherwise use any of the content without our express written consent.

6. Third-Party Websites

Our website may contain links to third-party websites, including www.csclear.co.za, which is our sister company, and www.thecsgroup.co.za, which is our CRM website. Please be aware that when you click on these third-party links, you will be redirected to their respective websites. It is important to note that we are not responsible for the content, services, or practices of any third-party websites, including those of our sister companies.

Visiting these third-party websites is entirely at your own risk, and you should review their respective Terms and Conditions and Privacy Policies before interacting with them. Our Privacy Policy and Terms and Conditions apply solely to our website, www.csdebt.co.za, and our services. We do not exercise control over the content or practices of any external websites, and we disclaim any liability for your interactions with them. It is recommended that you exercise caution and use your own judgment when accessing and using third-party websites linked from our website.

7. Disclaimer of Liability

While we strive to provide accurate and up-to-date information, the content on our website is provided for general informational purposes only. We make no representations or warranties of any kind, whether express or implied, regarding the accuracy, completeness, reliability, or suitability of the information on our website. Any reliance you place on such information is strictly at your own risk.

8. Limitation of Liability

To the extent permitted by applicable law, CS Debt Counselling, its directors, employees, agents, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from your use or inability to use our website or the services offered, including but not limited to loss of data, profits, or business opportunities.

9. Indemnification

You agree to indemnify and hold CS Debt Counselling, its directors, employees, agents, and representatives harmless from any claims, damages, losses, liabilities, or expenses (including legal fees) arising out of or in connection with your use of our website or any violation of these Terms and Conditions.

10. Modifications

We reserve the right to modify, suspend, or discontinue any part of our website or services at any time without prior notice. We may also revise these Terms and Conditions from time to time, and such changes will be effective upon posting on this page. Your continued use of our website after any changes constitutes acceptance of the revised Terms and Conditions.

11. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of South Africa. Any dispute arising out of or in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of South Africa.

12. Contact Information

If you have any questions or concerns about these Terms and Conditions or our services, please contact us at:

CS Debt Counselling Address:149 Constantia Street, Dagbreek, Welkom, 9459

Email: marketing@csdebt.co.za

Phone: 057 352 4115

These Terms and Conditions were last updated on 20/07/2023