1. Acceptance of Terms

By visiting the website www.manuelfinance.com, viewing, accessing or otherwise using any of the services or information created, collected, compiled or submitted to www.manuelfinance.com, you agree to be bound by the following Terms and Conditions of Service. If you do not want to be bound by these Terms your only option is not to visit, view or otherwise use the services of www.manuelfinance.com. You understand, agree and acknowledge that these Terms constitute a legally binding agreement between you and Manuel Financial Services CC (the “microlender”) and that your use of www.manuelfinance.com shall indicate your conclusive acceptance of this agreement.

2. Provision of Services

You agree and acknowledge that the microlender is entitled to modify, improve or discontinue any of its services at its sole discretion and without notice to you even if it may result in you being prevented from accessing any information contained in it. Furthermore, you agree and acknowledge that the microlender is entitled to provide services to you through subsidiaries or affiliated entities.

3. Proprietary Rights

You acknowledge and agree that www.manuelfinance.com may contain proprietary and confidential information including trademarks, service marks and patents protected by intellectual property laws and international intellectual property treaties. The microlender authorizes you to view and make a single copy of portions of its content for offline, personal, non-commercial use. The microlender’s content may not be sold, reproduced, or distributed without the express written permission from the microlender. Any third-party trademarks, service marks and logos are the property of their respective owners. Any further rights not specifically granted herein are reserved.

4. Use of Information

Unless restricted by applicable laws, you agree that any and all personal information/data relating to you collected by www.manuelfinance.com from this Web Site may from time to time be used and disclosed for such purposes and to such persons as may be in accordance with the microlender’s prevailing Data Protection and Privacy Policy as amended from time to time and the laws and regulations of the Republic of Namibia.

5. Submitted Content

When you submit content to www.manuelfinance.com, you simultaneously grant the microlender an irrevocable, worldwide, royalty free license to publish, display, modify, distribute and syndicate your content worldwide. You confirm and warrant that you have the required authority to grant the above license to the microlender.

6. Use of Cookies

The microlender, through www.manuelfinance.com, stores information that is collect through cookies and log files to track the viewing preferences of its visitors, but it does not collect personal information through these means or share the information collected with third parties.

Cookies are small data files that a website you visit may save on your computer or handheld device that usually include an anonymous unique identifier. The microlender’s site and those of its products may use cookies for user authentication, keeping track of your preferences, promotional campaigns, tracking audience size and traffic patterns, and in certain other cases, it may include small graphic images in its email messages and newsletters to determine whether the messages were opened and links were viewed.

Third-party advertisers may also create and access cookies, which will be subject to their privacy policy- the microlender accepts no responsibility or liability for the use of such third parties’ cookies. If you do not wish cookies to be placed on your computer or handheld devices, then they can be disabled in your web browser, the option to do so is normally found in your browser’s “security settings” section. Please note that permanently disabling cookies in your browser may hinder your use of the microlender’s site as well as other websites and interactive services.

7. Termination of Agreement

The Terms of this agreement will continue to apply in perpetuity until terminated by either party without notice at any time for any reason. Terms that are to continue in perpetuity shall be unaffected by the termination of this agreement.

8. Disclaimer of Warranties

You understand and agree that your use of www.manuelfinance.com is entirely at your own risk and that our services are provided "As Is" and "As Available". The microlender does not make any express or implied warranties, endorsements or representations whatsoever as to the operation of the www.manuelfinance.com website, information, content, materials, or products. This shall include, but not be limited to, implied warranties of merchantability and fitness for a particular purpose and non-infringement, and warranties that access to or use of the service will be uninterrupted or error-free or that defects in the service will be corrected.

9. Limitation of Liability

You understand and agree that the microlender and any of its subsidiaries or affiliates shall in no event be liable for any direct, indirect, incidental, consequential, or exemplary damages. This shall include, but not be limited to damages for loss of profits, business interruption, business reputation or goodwill, loss of programs or information or other intangible loss arising out of the use of or the inability to use the service, or information, or any permanent or temporary cessation of such service or access to information, or the deletion or corruption of any content or information, or the failure to store any content or information. The above limitation shall apply whether or not the microlender has been advised of or should have been aware of the possibility of such damages. In jurisdictions where the exclusion or limitation of liability for consequential or incidental damages is not allowed the liability of the microlender is limited to the greatest extent permitted by law.

10. Indemnification

You hereby agree to indemnify and to keep the microlender fully and effectively indemnified against any action, liability, cost, claim, loss, damage, proceeding or expense (including legal fees, costs and expenses on a full indemnity basis) suffered or incurred by www.manuelfinance.com arising from or which is directly or indirectly related to your violation of these terms or any third party’s rights, including, but not limited to, copyrights, proprietary and privacy rights

11. External Content

Some sections may contain headings and excerpts from articles and/or web pages from external providers and is linked using hyperlinks to original sources. You acknowledge and agree that the microlender is not responsible for and does not endorse any advertising, products or resource available from such resources or websites. Since the integration of content and the links is fully automatic, there is no manual checking of the contents. The copyright of the content is the property of their authors and / or external content providers. If we see evidence of unlawful content of any message or a link to illegal content, the information will be deleted as soon as possible.  A content provider cannot influence or oblige us to include any specific news item. Therefore, liability for any damages is excluded. The microlender reserves the right to suspend, or remove any part of any content or the whole content in its entirety without justification at any time.

12. Jurisdiction

You expressly understand and agree to submit to the personal and exclusive jurisdiction of the courts of the country, state, province or territory determined solely by the microlender to resolve any legal matter arising from this agreement or related to your use of www.manuelfinance.com. If the court of law having jurisdiction, rules that any provision of the agreement is invalid, then that provision will be removed from the Terms and the remaining Terms will continue to be valid.

13. Entire Agreement

You understand and agree that the above Terms constitute the entire general agreement between you and the microlender. You may be subject to additional Terms and conditions when you use, purchase or access other services, affiliate services or third-party content or material.

14. Changes to the Terms

The microlender reserves the right to modify these Terms from time to time at our sole discretion and without any notice. Changes to the microlender’s Terms become effective on the date they are posted and your continued use of www.manuelfinance.com after any changes to Terms will signify your agreement to be bound by them.

These terms were last modified on 24 June 2020.