Terms and Conditions

 



When you completed your initial profile on this site, you indicated your agreement in full to all the Terms and Conditons specified below. Every time you access this service, or any other web site owned by The Owner of this site, Laurant Systems, you confirm your full and complete agreement with these Terms and Conditions set out below by the owner and operator of this web site ("The Owner"). The site and its Owner shall be collectively referred to as "We" below. Should you not agree in full with all of the terms below, please do not continue to use the services offered by this web site, and in that case, visit this page in order to deactivate your profile permanently.

If any provision in these Terms and Conditions is invalid or unenforceable under applicable law, such provision will be inapplicable, but the remaining provisions of this agreement will continue in full force and effect. You agree to indemnify and hold harmless The Owner, its agents, affiliates, partner sites and third parties, from any loss, claim or damage, including reasonable attorney's fees, arising out of or resulting from your use of this site. Your sole remedy for any damages you may suffer, shall be limited to the subscription fees (if any) you may have paid. This includes any violation of the Terms and Conditions of this agreement or any action arising from the content that you publish on this site that infringes the intellectual property rights (e.g. copyright, trade secrets, trademark or patent) of any third party or content or communication that denigrates, libels or invades the privacy of any third party. The owners of this site reserve the right to, at any time, for any reason they see fit, and without the provision of reasons to the person being removed, remove or bar any person who has previously registered from the site. No correspondence of any nature will be entered into should the owners decide to take such a step.

These terms shall be read in conjunction with our Privacy Policy, which shall be deemed to constitute part of these Terms and Conditions.

These terms are subject to change at any time.

Legal age
You hereby certify that you are of a legal age to use this site in your country, and that your country's laws permit you to do so. No person under the age of 18 may use this site and we will not hesitate to immediately remove underage persons from this site.

Your email address and permission to contact you
By providing your email address and cellular phone number when you register, you expressly agree that the site and its affiliate sites, with which the site you are on, shares a database, may contact you via email, SMS or in any another electronic format.
When you register, you are also able to supply your cellular phone number, and you hereby agree that, should you do so, this site may send you electronic correspondence, such as SMSs, to your cellular phone number. Should your email address, for any reason, become unable to receive mails from this site, and our mails bounce back or we determine that you are using a temporary mail address, we reserve the right to immediately delete your profile permanently, without refunding any moneys you may have previously paid as a subscriber. You are hereby advised that The Owner owns operates several other related dating sites, each with its own branding, name and target market, and that you hereby also agree to receive electronic correspondence, including promotional materials, from these related sites, or their members, as well. (This fact is stated on the registration page that you used to register on this site with as well.) You are hereby informed that the site you are currently using, shares a common database with the above mentioned sites. The common database is solely and exclusively owned and managed by Laurant Systems, the Owner of this site, and will not be shared with any third party. Should you however not agree to the sharing of your profile data in the shared database mentioned above, please stop using this site immediately and deactivate your profile by using this page.

Content
You alone are responsible for any content or information you enter on your profile and any communication with other Members. The Owner is not the publisher and only provides the channel for Members to publish and/or distribute their personal information. No responsibility is assumed by The Owner for the publication of any member's information, including pictures published by Members. The Owner furthermore does not verify the accuracy or truth of any information published by Members. You therefore communicate with other members at your sole and exclusive risk. Because the Owner cannot guarantee the veracity of any information published by members, or of any communication between members, you are hereby advised to take the appropriate care in communicating with other members. The Owner points out that you should never provide any personal, and especially not any financial or banking, information to another member. You may not publish offensive content, and this includes content that contains offensive language aimed at other users, copyrighted content (including photographs), is unlawful, threatening, slanderous, abusive, harmful, bigoted, racially offensive or harassing.

Furthermore, you may not publish content that encourages behaviour that may constitute a criminal offence, result in civil liability or otherwise violate any applicable local, state, national or international law or regulation. You are expressly prohibited from advertising, displaying or promoting any adult or sexually-related services on this site, including: pornography, adult massage services, escort agencies, prostitution, adult dating sites or any other sexually-related services. Should your profile text or photos you upload contain or promote any such services, we will remove your profile immediately, and you will NOT receive any refund for any subscription you may have paid. You may not publish content that contains, promotes or advertises commercial or for-profit services of any nature. You may not send or display any text, images or messages of a commercial nature to other members via the site. You may specifically not attempt to induce our members to join any other site, regardless if you yourself stand to gain from illegally encouraging our members to join another site. You may not attempt to circumvent the site's security by sending contact details while you are a free member. Sending contact details will result in your profile being banned permanently. You may not send multiple mails in an attempt to beg for or extort money from other members. Should you ignore these requirements, and in violation of these terms of use send a commercial message of any nature whatsoever to any other member of the site, you will be banned for life, be prosecuted criminally, where applicable, and expose yourself to a claim of not less than $100 000 (one hundred thousand US Dollars) for unauthorized or commercial usage of this site.

You may not send any communication, in any format, to any other member or any third party that is disparaging, denigrating, insulting or derogatory to this site or any of its members, or communication that transgresses any applicable law. Should you do so, The Owner reserves the right to ban you immediately and permanently, without prior notice, even though you may be a paid member, should you send communication that can be construed as insulting or harmful. You will immediately forfeit any subscription fees you have paid, should you do so.

You may not impersonate any other person or entity. You may not use this site for any criminal or illegal purpose and you may not encourage or solicit any other member to commit any illegal act. Should any other member attempt to contact you with a criminal or illegal purpose in mind, please notify us immediately. The Owner reserves the right to excerpt content from profiles, along with the Member screen name and photo(s), and feature them in promotional material. By creating a profile you grant The Owner permission to publish your profile on our site or on any of our partner sites, or to use your profile information for the purposes of marketing and communication. Furthermore, you may not in any way, including, but not limited to, your profile on the site, messages you send to other members or by any other means, attempt to cast the site in a negative light, to denigrate or bring the site, its design, other members or its owners into disrepute. This includes statements made both on this site, or on external sites or media. Should we be made aware of any such negative comments, denigration or attempts to bring the site into disrepute, we reserve the right to immediately and permanently ban you from the site, in which case you will automatically forfeit all and any subscription fees you may have paid, in addition to exposing yourself to possible legal action in addition.

Free members and exchanging contact details

This site is offered on a free-to-try basis for a limited trial period. The above mentioned trial period should be seen by you as a marketing or advertising initiative on our behalf, to encourage you to become a paid up subscriber. and you acknowledge that this site is a commercial business run on a for-profit basis. Even though you can register for free and send free messages, you acknowledge this to be a temporary marketing strategy to encourage you to become a fully paid-up member and you accept this in this spirit. Should The Owner or the site software detect that you have attempted to register more than one profile, all your profiles will be permanently banned from the site, regardless of whether any of these profiles may be a paid-up profile.

Free members may not exchange any external contact details with any other member, in any way, shape or form, whether it be in messages, in their profile headlines, in their nicknames or their profile narratives. Contact details include but are not limited to email addresses, instant messaging IDs, addresses, Facebook or other social media profile names, telephone numbers, cell phone numbers, web site URLs, member names on other sites or any other form of contact details that are not specific to this site. You are hereby advised that the site's software has automated algorithms that will automatically remove any contact details from messages that it deems contains contact information. Should you attempt to do so, the software will block your profile and you will then be unable to send messages until you became a paid-up member, should the algorithm detect that you tried to send contact details.

Should any member attempt to include membership details or references to other similar or dating sites, in an attempt to get the other member to join another site, he or she will be immediately and permanently banned. Furthermore, all contact details exchanged PRIOR to a member becoming a subscriber, shall be permanently and irrevocably deleted. Members who become paid-up members, will have to contact other members again in order to exchange contact details after subscribing.

Paid-up subscribers may exchange any contact details they see fit with other members, PROVIDED that the recipient is also a premium member.For contact details to be exchanged, BOTH members - sender and recipient - have to be premium member. If either the sender or the recipient is a free member, the site will remove contact details from any messages sent between the two members, even though one of the two members may be a premium member.

Disputes
You may not harass any Member and agree to cease contacting any other Member who has requested you to cease. The Owner will not become involved in any disputes between Members and does not provide any arbitration or settlement services should a dispute arise between members. You alone are responsible for ensuring that your interaction with other Members is lawful. The Owner advises you that there may be risks of dealing with Members acting under false pretences or with criminal intent, or that you may receive messages that may be offensive to you. If you yourself abuse the site in a way that can be construed as harmful, bigoted, insulting or criminal, the Owner will instantly and permanently ban you, with no prior notice thereof.

Deactivation of your profile
You may only deactivate your profile if you have no unanswered messages in your mailbox. This is to prevent confusion by other members who contact you, but then your profile disappears because you deactivated your profile. Before deactivating your profile, kindly either respond to any messages in your inbox, or delete those messages.

Uploading photographs
The site may request that you upload photographs in order to keep your profile active, failing which you may not be able to respond to messages from other members. This request shall be at the sole discretion of the Owner.

User inquiries
We do not respond to inquiries that our FAQ page covers. It is also our policy not to respond to any abusive communication directed to us by our members, such as an email containing swear words, insulting language or threats. Should you contact us by any means, in a way that is judged by us to be insulting, abusive, threatening, contains swearing, making false allegations or exhibits poor manners, we reserve the right to decline to respond to such abusive communication completely, and furthermore we will not hesitate to permanently remove the profile of any member who contacts us in such a manner, without notice thereof to yourself. No refunds of any nature shall be paid in this case, even if the abusive member is a paid subscriber. If do you wish to contact the Owner, you should use this page.

Privacy
The Owner will obey the relevant country's legislation in terms of privacy. The Owner will not disclose, sell or provide to a third party any personal details supplied by Members, and that is not publicly displayed on the Member's Profile. This includes the Member's name, email address contact details, etc without the Member's prior written consent, or in case of a dispute between the Owner and the member in question. Information will only be disclosed as necessary or appropriate to comply with applicable laws or in legal authorities where such information is relevant as has been requested with the appropriate authority.You can read our full privacy policy here.

No Warranty
This service is provided on an "as-is" basis by The Owner without warranty of any kind, either express or implied, including, without limitation, warranties of title and the implied warranties of merchantability and fitness for a particular purpose. By registering on the site, and/or paying a suscription, you accept the site's software and way of working as it is at that point in time. Even though you may subscribe, there is no obligation on us to make any changes to the site in order to suit any requirements you may have. You accept the functionality that is on the site and there is no onus on the Owners to make any changes to suit your requirements. Any software or database changes shall take place at the sole and exclusive discretion of the Owner.

To the maximum extent allowed by law, you indemnify The Owner against any loss you may suffer, directly or as a consequence of the using this site. Specifically, this site offers no warranty of any nature whatsoever that you will find any matching person who conforms to your search requirements, or with regard to the number of persons who fall within any particular geographical region, age group or any other search criteria that this site affords you. This site expressly offers no warranty that you will meet a suitable partner, and offers no guarantee whatsoever that you will receive responses to messages you send to any other member. As stated elsewhere in these terms and conditions, the site and its owners cannot verify that any member you may contact is who his or her profile states and you are cautioned to take reasonable care in establishing whom you are communicating with. Furthermore, the Owners make no guarantee of a) error-free operation of this site, or b) uptime or availability of this site.

Deletion of old mails and winks
Please note that, in order to conserve space and optimise database performance, mails, profile views and winks older than a certain number of days are automatically deleted from our database.

Subscription refunds policy
Subscribers are immediately able to exchange contact details with other members. There is no effective way for the owners of the site to monitor this and it would therefore be open to abuse if we were to allow refunds - a member could subscribe, exchange contact details the other members of his choice, and then ask for a refund immediately afterwards. In this sense, the situation is similar to most music stores not being willing to exchange CDs after sale, because it's too easy to copy and then ask for a refund and accordingly also open to abuse. Therefore, as a matter of policy, we do not offer any refunds, unless very exceptional circumstances exist. Furthermore, as stated in Item 7 above, we do not offer any warranty regarding site uptime, nor do we offer any guarantee that you will meet a suitable person on the site, or that you will receive a response to the messages you send to other members. None of the above shall therefore be grounds for a refund, and you agree to this when you purchase a subscription.

No personalized support
Due to the impossibility of providing user support to the large number of members using this site, e
xcept for the help documentation as provided for on the Frequently Asked Questions (FAQ) page, the Owner will not provide you with any further manuals or system documentation. Furthermore, you agree that you will not receive any telephonic, written or any other form of one-on-one support or training from the Owner. The above will apply even if there is a problem or bug in the site's database or software. You agree that your usage of this site will be on an as-is basis. If do you wish to contact the Owner, you should use this page. We may, at our sole and exclusive discretion, respond to queries you submit using the page above, but we make no warranty whatsoever regarding response times to any queries you may submit, or that you will receive a response to your queries at all. We specifically draw your attention once again that all queries must be in writing and that we do not offer any form of in-person support, such as telephonic suppport or support by means of email, instant messaging or by any other person-to-person medium.

Fair use
Regardless of whether you are a paid member or not, we reserve the right to block, suspend or ban profiles who send excessive numbers of messages to other members, especially when the messages appear to be of a suspicious nature and designed for purposes other than legitimately wanting to meet a partner. The Owner of this site shall be the sole and final judge of whether your messages are of a suspicious nature. Should your profile be suspended because of a violation of this provision, you will forfeit any subscription moneys paid and you may be permanently banned.  Should the Owner suspect that any member is abusing the site for other reasons than legitimately wanting to meet a partner, the Owner reserves the right to ask for proof of identity from any member, in the form of a sworn affidavit to be made at a police station, before possibly reactivating such a profile.

Identity Verification
To protect the reputation of this site, and to ensure the safety of other members, The Owner may at any time and at The Owner's sole discretion, require you to provide proof of your identity. Should The Owner, or any reason, suspect that your profile is fake, or that you are not who you pretend to be, The Owner may ask you to prove your identity by any means The Owner sees fit, including, but not limited to, a copy of your passport or identity documents, your land line phone number or any other mechanism of proving your identity. Furthermore, if, upon investigation, your profile does turn out to be fake or misleading, your profile shall instantly and permanently be banned from this site, and you will immediately forfeit all subscription fees you may have paid.

Suspension of suspicious profiles
The Owner, at his sole discresion, reserves the right to suspend profiles in which suspicious activities occur, such as profiles sending out multiple phishing mails, or where there is a suspicion that the same person as registered more than one profile to evade paying subscription fees. The Owner reserves the right to disable such accounts, and also prevent users from deleting such accounts, pending investigation of such suspicious activity. The duration of such a suspension shall be at the sole and exclusive discretion of The Owner, and no correspondence shall be entered into in this regard, and no refunds shall be payable to paid members engaging in suspicious behaviour.

Modifications to Site and to these Terms and Conditions
The Owner may modify these Terms and Conditions from time to time in its sole discretion. It the The Member's responsibility to visit this page from time to time in order to keep himself informed of the terms of use. Furthermore, the Owner reserves the right to modify, add, remove or deprecate any functionality or operations of the site, its servers, its database and its documentation, without prior notice thereof to you.

Severability
If any provision in these Terms and Conditions is deemed to be invalid or unenforceable for any reason, the remaining provisions will continue in full force without being impaired or invalidated in any way..

Entire Agreement
This Agreement constitutes the entire agreement between the parties pertaining to the subject matter hereof, and supersedes in their entirety any and all written or oral agreements previously existing between the parties with respect to such subject matter. No waiver, relaxation or indulgence afforded to one party by the other party shall have any effect, unless committed to in writing by the duly authorized agents of both parties.

 



A unit trust is a type of investment that provides easy and affordable access to financial markets. Your money is combined with the money of other investors and our investment managers use the pool of money to buy underlying investments, such as equities, bonds, cash and property, depending on the unit trust objective. The unit trust is split into equal portions called 'units' that are allocated to you according to the amount of money you invest and the price of the units on the day you buy them. Unit trusts are beneficial as you buy units in the unit trust of your choice, you decide when and how many units to buy, and you own the units until you decide to sell them. Investment risk as the probability of permanently losing money. Because investment returns are not guaranteed, there is a chance that you might end up with less than what you invested if you withdraw after a downturn. The level of investment risk associated with each unit trust depends on the underlying assets of that unit trust. For example, the risk of losing money is higher in an equity-only unit trust than in a unit trust that invests in a mix of assets. Generally, higher investment risk comes with higher potential long-term investment returns. However, you would typically need to remain invested for a longer period of time. This is because these investments move up and down over the short term, and if you need to access your money sooner than expected, you may lock in losses.