Welcome to Monarch Investment and Loans Company Terms & Conditions

1. Anyone may use any information presented on this website for non-commercial purposes, subject to any specific terms of use that might appear with such information, provided that the use of such information is accompanied by an acknowledgement that Monarch Investment and Loans Company is the source. If you choose to access and use any of the information made available to you on this site, you do so subject to these Website Terms and Conditions of Use and any specific terms that the owner or provider of that information has imposed on its use.
2. Please take note of all Website Terms and Conditions of Use. Your use of this website implies an acceptance of the Website Terms and Conditions of Use and any other specific terms and an agreement to be bound by them. In the event of a conflict between the Website Terms and Conditions of Use of this website and any specific terms applicable, and only to the extent of the conflict, the more specific term will apply.
3. Monarch Investment and Loans Company grants you a limited, revocable license to use this website subject to the Terms. The license is a personal, nontransferable, non-sublicensable, revocable license to access and use the website only as expressly permitted in these Website Terms and Conditions of Use. Except for this limited license, we do not grant you any other rights or license with respect to this website.
4. Unless we have granted you permission in advance and in writing, you may use the website only for your personal, non-commercial use, and not to provide services to a third party. Any person wishing to use this web site contrary to the Website Terms and Conditions of Use must obtain Monarch Investment and Loans Company’s prior written consent.
5. Monarch Investment and Loans Company makes every effort to ensure, but cannot and does not guarantee, and makes no warranties as to, the accuracy, accessibility, integrity and timeliness of this information. Monarch Investment and Loans Company assumes no liability or responsibility for any errors or omissions in the content of this site and further disclaims any liability of any nature for any loss howsoever arising in connection with using this website or any content contained herein. Furthermore Monarch Investment and Loans Company reserves the right to make changes to these materials at any time without notice. If you find any inaccurate, out of date or incomplete information or material on this website, or if you suspect that something is an infringement of intellectual property rights, you must let us know immediately by contacting Monarch Investment and Loans Company or the owner or provider of the information to which the issue relates.
6. Unless otherwise stated, all right, title, interest, and ownership (including all rights under all copyright, patent, and other intellectual property laws) in, to or of this web site are the sole property of or will vest in Monarch Investment and Loans Company or a third party licensor. All moral rights are reserved.
7. Trademarks. Monarch Investment and Loans Company’s logo and sub-logos, marks, and trade names are the trademarks of Monarch Investment and Loans Company and no person may use them without permission. Any other trademark or trade name that may appear on this web site or other marketing material of Monarch Investment and Loans Company is the property of its respective owner.
8. You should independently verify any information and material on this website before relying upon it. The information and material on this website are not substitutes for the exercise of professional judgment. If you are not qualified or experienced enough to make that judgment, you should take professional advice or contact the relevant information owner or provider for further information and advice.
9. Hyperlinks to other websites are provided as a convenience only, and imply neither responsibility for, nor approval of, the information contained in those other web sites on the part of Monarch Investment and Loans Company. Monarch Investment and Loans Company makes no warranty, either express or implied, as to the accuracy, availability, reliability or content of such information, text, graphics and hyperlinks. Monarch Investment and Loans Company will not be liable for any indirect or consequential loss, or for any loss of business, profit, revenue, goodwill or data, lost or wasted management time or the lost time of other employees arising from your use of this website or any information or material on it, or your inability to use it (whether that loss is direct or indirect).
10. While Monarch Investment and Loans Company makes every effort to ensure that any executable material available to be downloaded from Monarch Investment and Loans Company's website is free of any virus, it cannot guarantee that the material is free from any or all viruses. Monarch Investment and Loans Company is not responsible for any loss or damage howsoever caused by the executable material and potentially malicious code contained therein.
11. You are responsible for ensuring that your computer systems are suitable to access and use this website. You are responsible for implementing sufficient anti-virus and other security checks to ensure the accuracy of data input and output.
12. The collection and retention of personal information by Monarch Investment and Loans Company through its website and through the registration process is subject to the terms of the Monarch Investment and Loans Company Privacy Policy currently in force and available for review on this website.
13. Restrictions on Use of Website:
    1. Framing. No person, business, or website may frame this website or any of the pages on this website, or use any other framing technique to enclose any portion or aspect of the website, or mirror or replicate any portion of the website;
    2. Linking. We prohibit “deep linking” to any other pages in a manner that would incorrectly suggest endorsement or support of Monarch Investment and Loans Company or suggests you are the owner of any intellectual property belonging to Monarch Investment and Loans Company.
    3. Spiders and Crawlers. No person, business, or web site may use any technology (including spiders or crawlers) to search and gain any information from this website.
    4. You specifically may not:
       1. Copy, reproduce, upload, post, display, republish, distribute, transmit, any part of the content in any form whatsoever;
       2. Modify, translate into any language or computer language, or create derivative works from, any content or any part of this website;
       3. Reverse engineer any part of this website;
       4. Use the website other than to make legitimate reservations or bookings;
       5. Use the website to make any false, fraudulent or speculative reservation, or any reservation in anticipation of demand;
       6. Disguise the information transmitted through the website;
       7. Sell, offer for sale, transfer, or license any portion of the website in any form to any third parties;
       8. Use or access the website in any way that, in our reasonable judgment, adversely affects the performance or function of the website, or any other computer systems or networks used by Monarch Investment and Loans Company other website users;
       9. Upload or transmit to the website or use any device, software or routine that contains viruses, Trojan horses, worms, time bombs, or other computer programming routines that may damage, interfere or attempt to interfere with, intercept, the normal operation of our website, or appropriate the website or any system, or take any action that imposes an unreasonable load on our computer equipment, or that infringes upon the rights of a third party;
       10. Use any device, software, or routine that interferes, or attempts to interfere, with the normal operation of our website, or take any action that impose an unreasonable load on our equipment; or
       11. disguise the origin of the information transmitted through the website.
14. All warranties, representations, terms, conditions and undertakings, whether implied by statute, common law, custom, trade usage, course of dealing or otherwise (including any implied warranty, representation, term, condition or undertaking of satisfactory quality or fitness for a particular purpose) are excluded to the fullest extent allowed by law by Monarch Investment and Loans Company and the information owners and providers.
15. If the use of any information or material on this website is unlawful in any jurisdiction (because of your nationality, residence or for some other reason), that information or material is not offered. If you are outside the Republic of South Africa you must satisfy yourself that you are lawfully able to use any such information and materials. We accept no liability, to the extent allowed by the law, for any costs, losses or damages resulting from or related to the access or attempted access of any information or materials by anyone outside the Republic of South Africa.
16. No delay, neglect or forbearance on the part of Monarch Investment and Loans Company in enforcing any of their rights under the Website Terms and Conditions of Use will be, or be deemed to be, a waiver and it will not prejudice any right of Monarch Investment and Loans Company.
17. If any of the Website Terms and Conditions of Use is held to be unenforceable, illegal or in some other way invalid, the unenforceable, illegal or invalid provision will be deemed to be severable and will not affect the remainder of the Website Terms and Conditions of Use which will continue to be of full force and effect.
18. All conditions and terms of use contained in this website are governed by South African law and you agree to submit to the non-exclusive jurisdiction of the courts of South Africa.
19. No addition to or modification of any provision of these Website Terms and Conditions of Use will be binding on Monarch Investment and Loans Company unless made in writing and signed by their duly authorised representatives.
20. Monarch Investment and Loans Company may modify, suspend, or discontinue providing this web site (with or without notice) and will not be liable.
21. Monarch Investment and Loans Company is restricted from providing funding to certain industries. Accordingly, by proceeding with the application you are confirming that your business does not operate in any of the following areas:
    1. Production of or trade in any product or activity deemed illegal under applicable laws or regulations or international conventions and agreements, or subject to international bans, such as pharmaceuticals, pesticides/herbicides, ozone depleting substances, PCBsi, wildlife or products regulated under CITES;
    2. Production or trade in weapons and munitions;
    3. Production or trade in alcoholic beverages (excluding beer, wine, restaurants and micro-brewers);
    4. Production or trade in tobacco;
    5. Pornography and/or Prostitution;
    6. Activities involving or relating to racist and/or anti-democratic media;
    7. Activities leading to the destruction of High Conservation Value Areas;
    8. Gambling, casinos and equivalent enterprises including arbitrage activities;
    9. Production or trade in radioactive materials; this does not apply to the purchase of medical equipment, quality control (measurement) equipment and any equipment where the Note Holder considers the radioactive source to be trivial and/or adequately shielded;
    10. Production or trade in unbounded asbestos fibers; this does not apply to purchase and use of bonded asbestos cement sheeting where the asbestos content is less than 20%;
    11. Drift net fishing in the marine environment using nets in excess of 2.5 km. in length;
    12. Production or activities involving harmful or exploitative forms of forced labor/harmful child laborii or any form of human trafficking;
    13. Production, trade, storage, or transport of significant volumes of hazardous chemicals, or commercial scale usage of hazardous chemicals; “hazardous chemicals” include gasoline, kerosene, and other petroleum products;
    14. Production or activities leading to cross-border trade in waste and waste products, unless compliant with the Basel Convention and the underlying regulations; and
    15. Production or activities that impinge on the lands owned, or claimed under adjudication, by indigenous peoples, without full documented consent of such peoples.