Terms and conditions By    using    this    website    you    acknowledge    and agree to the following; Use   of   this   website   and   related   products   and/or services   shall   be   governed   by,   and   construed   in all   respects   in   accordance   with   the   laws   of   South Africa,   and   subject   to   the   exclusive   jurisdiction   of the South African courts. Use   of   this   website   or   information,   products   and services   available   on   this   website   is   at   the   user’s own risk. Notwithstanding   the   provisions   of   section   43(5) and   43(6)   of   the   Electronic   Communications   and Transaction     Act,     HOC     accepts     no     liability whatsoever   relating   to   any   loss,   expense,   claim or      damage,      whether      direct,      indirect      or consequential,    arising    from    the    information    on this    Website,    your    use    of    this    Website    or    any actions   or   transactions   resulting   therefrom,   even if   HOC   has   been   advised   of   the   possibility   of   such loss, expense, claim or damages. HOC   makes   no   presentation   or   warranty,   whether express   or   implied,   as   to   the   operation,   integrity, availability   or   functionality   of   this   Website   or   as   to the   accuracy,   completeness   or   reliability   of   any information obtained from this Website. HOC   also   makes   no   warranty   or   representation, whether    express    or    implied,    that    the    products, information   or   files   available   on   this   Website   are free   of   viruses,   destructive   materials   or   any   other

data   or   code   which   is   able   to   corrupt,   compromise or     jeopardise     the     operation     or     content     of     a computer     system,     computer     network     or     your hardware or software. You   accept   all   risk   associated   with   the   existence   of such    viruses,    destructive    materials    or    any    other data   or   code   which   is   able   to   corrupt,   compromise or     jeopardise     the     operation     or     content     of     a computer     system,     computer     network     or     your hardware      or      software.      HOC      accepts      no responsibility   for   any   errors   or   omissions   on   this Website. HOC    may,    in    its    sole    discretion,    at    any    time, suspend   or   terminate   the   operation   of   this   website or    any    of    the    products    or    services    provided    in terms of this Website, without prior notice. Notwithstanding    the    fact    that    this    Website    may refer   to   and/or   provide   links   to   other   websites,   your use   of   such   other   websites   is   entirely   at   your   own risk    and    HOC    is    not    responsible    for    any    loss, expense,   claim   or   damage,   whether   direct,   indirect or   consequential,   arising   from   your   use   of   such other    Website.    HOC    also    does    not    endorse, warrant    or    make    any    representations    about    the content,   products,   services,   security   or   reliability   of such other websites. All rights reserved. Disclaimer on E-mails The    information    is    or    attached    to    this    e-mail message    is    confidential    and    may    be    subject    to

legal   privilege   and   client   confidentiality.   If   you   are not   the   intended   recipient   of   this   e-mail   or   the authorised    representative    of    the    recipient    then please      notify      the      sender      of      this      e-mail immediately    by    return    e-mail    and    delete    this message   from   your   system.   You   may   not   print, store,   forward   or   copy   this   message   or   any   part thereof   or   disclose   or   cause   information   on   this message to be disclosed to any other person. HOC   cannot   be   held   liable   for   any   harm   or   loss resulting   from   malicious   software   code   or   viruses in   this   message   or   attachments,   including   data corruption resulting there from. Employees    or    representatives    of    HOC    are    not permitted   to   send   unsolicited   messages   (“spam”) and   HOC   cannot   be   held   liable   for   their   sending of   such   mail.   If   you   regard   this   message   as   spam, please   inform   us   immediately   by   sending   an   e- mail to us on the details provided. If   this   message   obtains   offensive,   derogatory   or defamatory   statements   or   materials,   it   means   the message    has    been    sent    outside    the    senders scope    of    employment    with    HOC    and    only    the sender    can    be    held    liable    in    his/her    personal capacity.