1. Introduction
These Terms and Conditions govern the use of this website and the provision of products and services by Crediamo (Pty) Ltd, registration number 2016/313117/07, a company incorporated and domiciled in the Republic of South Africa (“Crediamo”, “we”, “us” or “our”).
Crediamo provides technology, digital and professional services to clients in South Africa, Zimbabwe and other markets.
References on this website to Crediamo’s operations in Zimbabwe or other jurisdictions do not alter the identity of Crediamo (Pty) Ltd as the contracting entity for transactions processed through its South African payment facilities, unless expressly agreed otherwise in writing.
By accessing our website, requesting our services, accepting a quotation, placing an order or making payment to Crediamo, you acknowledge and agree to these Terms and Conditions.
2. Our Services
Crediamo provides technology and digital services including, but not limited to:
- Website design and development
- Web hosting
- Domain registration and management
- Website maintenance and support
- IT infrastructure and support services
- Cybersecurity services
- Digital marketing services
- Business process automation
- Artificial intelligence and related digital solutions
- Technology consulting and other professional services
The exact scope, deliverables, pricing, responsibilities and timelines applicable to a particular engagement may be specified in a quotation, proposal, order confirmation, statement of work or service agreement.
Where there is a conflict between these general Terms and a specific written agreement entered into with a client, the specific agreement will apply to the extent of that conflict.
3. Pricing and Currency
Prices will be displayed or quoted in the applicable currency.
Unless expressly stated otherwise, online transactions processed through Crediamo’s South African payment facilities are denominated in South African Rand (ZAR).
Crediamo may quote or invoice clients in other currencies where appropriate, including for services provided outside South Africa.
Applicable taxes, third-party charges and additional costs will be disclosed where applicable.
4. Website Development Payments
Unless otherwise agreed in writing, website development projects are subject to the following payment terms:
- A 50% deposit is required before development commences.
- The remaining 50% balance is payable before the completed website is launched, transferred or handed over to the client.
- Work will ordinarily commence after the required deposit, project requirements and sufficient client content have been received.
Any functionality, revisions or other work requested outside the originally agreed project scope may be subject to additional charges. Such additional work will, where appropriate, be communicated to the client before being undertaken.
5. Web Hosting
Crediamo provides web hosting services on monthly and annual billing arrangements, depending on the selected hosting package.
Hosting services are renewable at the end of the applicable billing period unless cancelled in accordance with our Refund & Cancellation Policy or another applicable service agreement.
Crediamo may suspend or restrict hosting services where reasonably necessary due to overdue accounts, unlawful activity, security threats, misuse of resources, excessive resource consumption or material breach of these Terms, subject to applicable law and contractual obligations.
6. Domains and Third-Party Services
Certain services supplied by Crediamo may depend on third-party providers. These may include:
- Domain registrations and renewals
- SSL certificates
- Software licences
- Premium plugins and themes
- Cloud infrastructure
- Email services
- External APIs and integrations
- Other technology services
These products and services may also be subject to the terms, availability, pricing and policies of the relevant third-party provider.
Crediamo cannot guarantee the continued availability of a third-party product or service outside its reasonable control.
7. Client Responsibilities
Clients are responsible for providing accurate and complete information, content, access credentials, approvals and other materials reasonably required for Crediamo to provide the requested services.
The client warrants that they have the necessary rights, licences or permissions to use any content, trademarks, photographs, data, software or other materials supplied to Crediamo.
Delays in receiving client content, approvals, information, system access or payments may result in corresponding delays to agreed project timelines.
Clients are responsible for reviewing work presented for approval and notifying Crediamo of material errors or required changes within a reasonable period.
8. Intellectual Property
Unless otherwise agreed in writing, ownership of final custom website deliverables created specifically for a client will transfer to the client after full payment of all amounts due for the project.
Crediamo and/or its licensors retain ownership of:
- Pre-existing intellectual property
- Reusable source code and components
- Development tools and frameworks
- Methodologies and processes
- Templates
- Libraries
- Internal tools
- General technical knowledge and know-how
Third-party software, themes, plugins, fonts, images and other licensed materials remain subject to the intellectual property and licence terms of their respective owners.
9. Online Payments
Online payments may be processed through authorised third-party payment service providers made available by Crediamo from time to time.
Payment transactions may be subject to the applicable terms, security requirements and processing procedures of the relevant payment service provider and financial institution.
Where customers enter payment information directly into a third-party payment service provider’s secure environment, Crediamo does not ordinarily receive or store the customer’s complete payment-card details.
For online transactions processed through Crediamo (Pty) Ltd’s South African payment facilities, the contracting merchant is:
Crediamo (Pty) Ltd
Registration No.: 2016/313117/07
Country of Domicile: Republic of South Africa
10. Refunds and Cancellations
Refunds and cancellations are governed by Crediamo’s Refund & Cancellation Policy, which forms part of these Terms and Conditions.
Customers should review the applicable refund and cancellation conditions before purchasing a service.
Nothing contained in these Terms is intended to exclude, restrict or waive any consumer rights that cannot lawfully be excluded under applicable legislation.
11. Service Delivery
Crediamo primarily supplies digital, technology and professional services.
Delivery and fulfilment arrangements are described in our Service Delivery Policy and, where applicable, in the quotation, proposal or service agreement applicable to the engagement.
12. Service Availability
Crediamo aims to provide reliable and secure services but does not guarantee that websites, hosting infrastructure, networks, software or third-party services will be available without interruption.
Service availability may be affected by scheduled maintenance, technical failures, cybersecurity incidents, telecommunications failures, third-party infrastructure, software failures and other circumstances outside Crediamo’s reasonable control.
Where reasonably possible, Crediamo will endeavour to communicate material service interruptions affecting customers.
13. Limitation of Liability
To the extent permitted by applicable law, Crediamo will not be liable for indirect, incidental, special or consequential losses arising from the use of, or inability to use, its services.
Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.
14. Privacy and Data Protection
Personal information is processed in accordance with our Privacy Policy and applicable data-protection requirements.
Because Crediamo operates across jurisdictions and may use infrastructure and service providers located in different countries, certain information may be processed across national borders as described in our Privacy Policy.
15. Governing Law
These Terms and Conditions and transactions entered into with Crediamo (Pty) Ltd through its South African payment facilities are governed by the laws of the Republic of South Africa, unless otherwise expressly agreed in writing or required by applicable law.
16. Changes to These Terms
Crediamo may update these Terms and Conditions from time to time to reflect changes to our services, business operations, technology or legal requirements.
The latest version will be published on our website together with its effective or last updated date.
17. Company and Contact Information
Crediamo (Pty) Ltd
Registration No.: 2016/313117/07
Country of Domicile: Republic of South Africa
Operations: South Africa, Zimbabwe and other markets
193 Albertyn Street
Kyalami Hills, Midrand
South Africa
Email: info@crediamo.tech
Telephone: +27 71 796 0896
Website: crediamo.tech