Agreement Between User and SMPB & Associates INC

The SMPB & Associates INC website is comprised of various web pages operated on www.smpb.co.za. The SMPB & Associates INC website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the SMPB & Associates INC website constitutes your agreement to all such terms, conditions, and notices.

Modification of These Terms of Use

SMPB & Associates INC reserves the right to change the terms, conditions, and notices under which the website is offered, including but not limited to any charges associated with its use.

Links to Third Party Sites

The SMPB & Associates INC website may contain links to other websites (“Linked Sites”). The Linked Sites are not under our control and SMPB & Associates INC is not responsible for the contents of any Linked Site, including any links contained in a Linked Site or any changes or updates to a Linked Site. Inclusion of any link does not imply endorsement or association with its operators.

No Unlawful or Prohibited Use

By using the SMPB & Associates INC website, you agree not to use it for any unlawful or prohibited purpose. You may not use the website in any manner that could damage, disable, overburden, or impair the website or interfere with any other party’s use and enjoyment.

Use of Communication Services

The website may contain bulletin boards, chat areas, forums, communities, personal web pages, calendars, and other communication facilities (“Communication Services”). You agree to use these services only to post, send, and receive messages and materials that are proper and relevant.

• Do not defame, abuse, harass, stalk, threaten, or violate legal rights of others.
• Do not post inappropriate, profane, defamatory, infringing, obscene, indecent, or unlawful material.
• Do not upload files protected by intellectual property rights without consent.
• Do not upload viruses or corrupted files.
• Do not advertise, conduct surveys, contests, pyramid schemes, or chain letters unless permitted.
• Do not harvest personal information without consent.
• Do not violate applicable laws or guidelines.

SMPB & Associates INC reserves the right to review and remove materials, and terminate access to Communication Services without notice.

Materials Provided to SMPB & Associates INC

You retain ownership of materials you provide or post (“Submissions”). By submitting materials, you grant SMPB & Associates INC and affiliates a license to use your Submissions for website operations, including rights to copy, distribute, display, perform, reproduce, edit, translate, and publish your name in connection with your Submissions. No compensation will be paid.

You warrant that you own or control all rights to your Submissions and have all necessary permissions to submit them.

Liability Disclaimer

The information, software, products, and services on the website may include inaccuracies or errors. Advice received via the website should not be relied upon for personal, medical, legal, or financial decisions; consult an appropriate professional. SMPB & Associates INC provides all content “as is” without warranty. We are not liable for direct or indirect damages arising from use of the website or related services.

Termination / Access Restriction

SMPB & Associates INC reserves the right to terminate your access to the website or related services at any time without notice.

General

This agreement is governed by the laws of South Africa. Use of the website in jurisdictions that do not enforce these terms is unauthorized. This agreement constitutes the entire understanding between the user and SMPB & Associates INC regarding the website.

Copyright and Trademark Notices

All contents of the SMPB & Associates INC website are © 2025 by SMPB & Associates INC and/or its suppliers. All rights reserved.

Trademarks mentioned are the property of their respective owners. The example companies and products are fictitious; no association with real companies is intended.

Notices and Procedure for Copyright Claims

Pursuant to applicable law, notifications of claimed copyright infringement should be sent to SMPB & Associates INC’s designated agent. Non-relevant inquiries will receive no response.