TERMS AND CONDITIONS
By making a purchase or accessing the website of SOUTHGATE INVESTMENTS LIMITED (“Seller”), you agree to the following Terms and Conditions. It is your own responsibility to ensure that you are fully aware of all of these Terms and Conditions when making a purchase on www.southgateltdzambia.com (“Website”).

TERMS OF USE
Please read the following terms and conditions very carefully as your use of SOUTHGATE INVESTMENTS LIMITED website www.southgateltdzambia.com and services offered by SOUTHGATE INVESTMENTS LIMITED are subject to your acceptance of and compliance with the following terms and conditions. By browsing, accessing, subscribing to or using any of our services you agree that you have read, understood and are bound by the terms, regardless of how you subscribe to or use the services. In these terms, references to “Website” shall mean the SOUTHGATE INVESTMENTS LIMITED website, “you”, “user” shall mean the end user accessing the website, its contents and using the services offered through SOUTHGATE INVESTMENTS LIMITED, “Service Providers” mean independent third-party service providers, and “we”, “us” and “our” shall mean SOUTHGATE INVESTMENTS LIMITED and its affiliates. SOUTHGATE INVESTMENTS LIMITED reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the site following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these terms, SOUTHGATE INVESTMENTS LIMITED grants you a personal, non-exclusive, non-transferable, limited privilege to access and use the website and services offered by SOUTHGATE INVESTMENTS LIMITED.

USER ACCOUNT AND REGISTRATION TERMS
Registering at SOUTHGATE INVESTMENTS LIMITED is a free service and you will receive a username and password upon completing the website’s registration process or completing a transaction. You are responsible for maintaining the confidentiality of the username and password, and are fully responsible for all activities that occur under your account.
You agree to:
(a) Immediately notify SOUTHGATE INVESTMENTS LIMITED of any unauthorized use of your account or any other breach of security, and
(b) Ensure that you exit from your account at the end of each session. SOUTHGATE INVESTMENTS LIMITED cannot and will not be liable for any loss or damage arising from your failure to comply with this requirement. You agree that if you provide any information that is untrue, inaccurate, not current or incomplete or SOUTHGATE INVESTMENTS LIMITED has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with the Terms of Use, SOUTHGATE INVESTMENTS LIMITED has the right to indefinitely suspend or terminate or block access of your membership with SOUTHGATE INVESTMENTS LIMITED and refuse to provide you with access to the website. If you are a non-registered user you agree that upon reviewing the order at the website a user account will be automatically created for you and the access to the same will be communicated to your email address provided.

COMMUNICATIONS
When you use the website or send emails or other data, information or communication to SOUTHGATE INVESTMENTS LIMITED, you agree and understand that you are communicating with SOUTHGATE INVESTMENTS LIMITED through electronic records and you consent to receive communications via electronic records from SOUTHGATE INVESTMENTS LIMITED periodically, as and when required. SOUTHGATE INVESTMENTS LIMITED may communicate with you by email, SMS, telephone or by such other mode of communication, electronic or otherwise. Your use of the website entitles you to receive periodic communication regarding SOUTHGATE INVESTMENTS LIMITED services through email, SMS, telephone or by such other mode of communication, electronic or otherwise. If you wish to not receive periodic informational communication from SOUTHGATE INVESTMENTS LIMITED you can unsubscribe to the communication through your account settings.

ACCEPTANCE OF PRIVACY POLICY
The User hereby consents, expresses and agrees that he has read and fully understands the Privacy Policy of SOUTHGATE INVESTMENTS LIMITED in respect of the website. The user further consents that the terms and contents of such a Privacy Policy are acceptable to him/her.

USER CONDUCT & RULES
You agree and undertake to use the website strictly abiding by the following principles:
1. You will not upload, publish, host, transmit, display, modify, update or share any information that, in the sole discretion of SOUTHGATE INVESTMENTS LIMITED:
2. Is grossly racial, harmful, sexual, harassing, defamatory, obscene, pornographic or otherwise unlawful in any manner whatsoever.
3. Involves an illegal or unauthorized use of copyrighted work.
4. Is not belonging to you or to which you have no rights.
5. Refers to any website or URL that contains material that is inappropriate for SOUTHGATE INVESTMENTS LIMITED.
6. Contains software viruses, computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource.
7. You will not promote or try to gain unauthorized access or exceed the scope of authorized access to SOUTHGATE INVESTMENTS LIMITED and its connected network.
8. You will not interfere with another user’s use of the SOUTHGATE INVESTMENTS LIMITED website.
9. You will not violate any law currently in forced in Zambia or outside.
10. You will not attempt or otherwise impersonate another person during the use of the SOUTHGATE INVESTMENTS LIMITED website.
11. You will not engage in or forward chain letters, surveys, contests, pyramid schemes with any association to SOUTHGATE INVESTMENTS LIMITED.
12. You will not use any automatic device, program, or methodology including but not limited to “deep- link”, “page-scrape”, “robot”, “spider” or other such means, or any similar manual process, to access, acquire or copy any portion of the SOUTHGATE INVESTMENTS LIMITED website or any content within.
13. You will not attempt to gain unauthorized access to any portion or feature of the SOUTHGATE INVESTMENTS LIMITED website, or any other systems or networks connected to the SOUTHGATE INVESTMENTS LIMITED website.
14. You will not use the website or any content for any purpose that is unlawful or prohibited by these Terms of Use.
15. You will not violate any of the terms and conditions of this agreement or any other terms and conditions contained elsewhere within SOUTHGATE INVESTMENTS LIMITED.
16. You will indemnify, defend and hold harmless SOUTHGATE INVESTMENTS LIMITED and its owner, licensee, affiliates, and their respective officers, directors and employees from and against any and all liabilities, claims, costs and damages, (including legal fees and disbursements in connection therewith and interest chargeable thereon) result from any breach of this Terms of Use, Privacy Policy and other policies, or your violation of any law, rules or regulations or the rights of a third party.

GOVERNING LAW
This Agreement shall be governed by and interpreted and construed in accordance with the laws of Zambia. The place of jurisdiction shall be exclusively in Zambia.

GENERAL
We reserve the right to change these Terms and Conditions at any time. Any such changes will take effect when posted on the website and it shall be your responsibility to read the Terms and Conditions on each occasion you use this website and your continued use of the website shall signify your acceptance to be bound by the latest Terms and Conditions.
You agree to:
(a) Immediately notify SOUTHGATE INVESTMENTS LIMITED of any unauthorized use of your account or any other breach of security, and
(b) Ensure that you exit from your account at the end of each session. SOUTHGATE INVESTMENTS LIMITED cannot and will not be liable for any loss or damage arising from your failure to comply with this requirement. You agree that if you provide any information that is untrue, inaccurate, not current or incomplete or SOUTHGATE INVESTMENTS LIMITED has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with the Terms of Use, SOUTHGATE INVESTMENTS LIMITED has the right to indefinitely suspend or terminate or block access of your membership with SOUTHGATE INVESTMENTS LIMITED and refuse to provide you with access to the website. If you are a non-registered user you agree that upon reviewing the order at the website a user account will be automatically created for you and the access to the same will be communicated to your email address provided.

YOUR INFORMATION

PERSONAL INFORMATION: We collect personally identifiable information that you may voluntarily provide on online forums, which may include user details, feedbacks, comments, online surveys etc. This aforementioned personally identifiable information (Personal Information) collected on our website can include your name, company name, address, telephone number and email addresses. All information shared by you on our website is treated as confidential and is kept secure.

NECESSARY INFORMATION: Please note that we only store necessary information required to make a purchase through our website and we take care not to disclose your personal information to any third party without your consent. During the time of signing up, you have the option of opting in for our newsletters, future offers etc. Signing up for this service would entitle us to save your personal information for the intended purposes only.

ONLINE PAYMENT: If you chose to pay online through various methods allowed by our website, we assure you that we do not save any information related to your credit/debit cards or passwords. All the information you provide is processed through a secure server.

USING THE WEBSITE
1. Products and services displayed on the Website do not constitute an offer to sell. Orders placed by you are offers to purchase particular products under these Terms and Conditions at the price specified (including delivery and other charges).
2. We reserve the right to accept or reject your offer for any reason (or no reason) including, but not limited to, the unavailability of any product, an error in the price or product description, or an error in your order. In the event that we cancel your order, we will provide a full refund of any payment received.
3. You agree not to access the website through any other interface than provided by us to you.
4. You agree that your use of the website is a limited license granted by us. We reserve a right to discontinue your account without providing you any reason thereof.
5. You agree that you are solely responsible for your account details and to keep your password secure. If you suspect any misuse through your account, you are required to inform us in writing immediately.

PRICES
All prices declared on the website are inclusive of taxes. Please verify the total payable amount during checkout before placing the order. Our prices are liable to change anytime without notifying you. You shall be responsible for full payment of the order received by you. All charges payable shall be displayed on the website.

METHOD OF PAYMENT
We accept payments online using Visa and MasterCard credit/debit card as well as Mobile Money in Zambian Kwacha.

PAYMENT
You are allowed to choose between various payments options while placing an order on the website. You agree to use your own debit/credit card or bank details or mobile money details for the transaction. We would not be responsible for misuse of your card or mobile money account if all the security checks are verified. You agree that the methods of payment may be updated from time to time on the website. You agree to review the same and use our website and suitable payment option accordingly.

DELIVERY OF YOUR ORDER
If you opt for a delivery service, the logistics of delivery shall be handled by us either directly or through our delivery partners. At the time of confirming an order, an estimated time of delivery depending on your location would also be shared with you along with a contact number for tracking the status of your order. Please note that we work our best to ensure that you receive your order as fast as we can but sometimes due to external factors like traffic, strikes etc., your order might take a while longer.

RETURN & REFUND POLICY
All products purchased may be returned within 7 days from date of purchase. Southgate Investments Limited will only accept such returns if the goods are in perfect re-saleable condition, in their original undamaged packaging and accompanied by the relevant invoice. Subject to these conditions, Southgate Investments Limited will process refunds by cheque the price paid for the returned goods excluding invoiced delivery charges (where applicable) within a maximum of 10 days after receipt of the returned goods. The return delivery costs will be at the customer’s expense. Southgate Investments Limited will not be obliged to accept returns of products which have been used (unless covered by warranty), modified or tampered with or are in a non-saleable condition. All returns must be accompanied by the original invoice.

CHANGES
Please note that all orders shall be considered confirmed and hence cannot be changed once an order is placed. All the communications will be shared with you on your registered mobile number or email id.

COMPLAINTS
You can contact us at the phone number provided to you while placing the specific order or email us with complete details of the complaint encountered by you. We shall try to fix the issue amicably. However, if there is any legal dispute, then such disputes shall be handled by a sole arbitrator appointed by the Seller. The language of Arbitration shall be English only and the location shall be decided by the Seller.

LICENSE
You agree that your usage of the website is a limited license to place an order using the website. This license is to access the website for personal use. You are not authorized to modify or download any portion of the website without written consent from us. You do not have commercial license to use this website. No part of this website shall be used by you for any commercial purpose without written consent from us.

INTELLECTUAL PROPERTY RIGHTS
We, our logo and the content displayed on our website is exclusive intellectual property of ours. We have copyright over its unique software and compilation used in working of this website. You shall not reproduce any portion of the website for any use, whether commercial or personal, without express written consent from us. No framing: You may not frame or utilize framing technologies to enclose any trademark, logo, or proprietary information (including images, text, page layout, or form) of us and our affiliates without our express written consent. Meta-tags: You may not use any metatags or any other ‘hidden text’ utilizing our name or trademarks without our express written consent. Any unauthorized use terminates the permission or license granted by us to you forthwith and would further attract legal action against the violator.

REVIEWS, COMMENTS, COMMUNICATIONS, AND OTHER CONTENT
1. Nature of content: You may post reviews, comments and other content; and submit suggestions, ideas, comments, questions or other information, as long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights to otherwise injuries to third party or objectionable and does not consist of or contains software virus, political campaigning, commercial solicitation, mass mailing or any form of spam.
2. False information: You may not use a false email address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. We reserve the right (but not the obligation) to remove or edit such content.
3. Rights Granted: If you post content or submit material, you grant us a non-exclusive, royalty free, perpetual, irrevocable, and fully sub-licensed right to use, reproduce, modify, adapt, publish, translate, create derivative work from, distribute, and display such content throughout the world in any media. You grant us and our affiliate sites and sub-license the right to use the name that you submit in connection with such content.
4. Right Owned: You represent and warrant that you own all the rights or otherwise or control of the rights to the content that you post; that the content is accurate; that the use of the content to supply does not violate this policy and will not cause injury to any person or entity and that you will indemnify us or our affiliate for all claims resulting from the content you supply. We reserve the right but not the obligation to monitor and edit or remove any activity or content. We take no responsibility and assume no liability for any content posted by you or any third party on the website.

PRODUCT DESCRIPTION
We and our affiliates attempt to be as accurate as possible. However, we make no warranties that the product description and any other content of the website is accurate, complete, reliable, current and error free.

SITE POLICIES, MODIFICATION, AND SEVERABILITY
Please review our other policies. We reserve the right to make changes to our website, policies, and these Terms and Conditions at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and will not affect the validity and enforceability of any remaining conditions.

GOVERNING LAW AND JURISDICTION
These terms and conditions will be construed only in accordance with the laws of Zambia. In respect of all matters/disputes arising out of, in connection with or in relation to these terms and conditions or any other conditions on this website, only the competent Courts at Zambia shall have jurisdiction, to the exclusion of all other courts.

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
1. This Website is provided by us on an “as is” and “as available” basis.
2. We make no representations or warranties of any kind, express or implied, as to the operation of this website or the information, content, materials, or products shown on this website. You expressly agree that your use of this website is at your sole risk.
3. To the full extent permissible by applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.
4. The images shown on the website are only indicative in nature and the actual product may vary in size, colour etc.
5. We do not warrant that the website, its servers, or emails sent from them are free of virus or other harmful components. We will not be liable for any damages of any kind arising from the use of this website, including, but not limited to direct, indirect, incidental, punitive and consequential damages.
6. We will do our best to fix any fault on this website as soon as possible in a reasonable and practical manner after we are notified about it. This is the limit of our responsibility and liability for any fault on the website. We are not responsible for anyone else’s website.

PRIVACY POLICY
All credit/debit cards and mobile money account details and personally identifiable information will NOT be stored, sold, shared, rented or leased to any third parties. The website Policies and Terms & Conditions may be changed or updated occasionally to meet the requirements and standards. Therefore, the customers’ are encouraged to frequently visit these sections in order to be updated about the changes on the website. Modifications will be effective on the day they are posted. Some of the advertisements you see on the website are selected and delivered by third parties, such as ad networks, advertising agencies, advertisers, and audience segment providers. These third parties may collect information about you and your online activities, either on the website or on other websites, through cookies, web beacons, and other technologies in an effort to understand your interests and deliver to you advertisements that are tailored to your interests. Please remember that we do not have access to, or control over, the information these third parties may collect. The information practices of these third parties are not covered by this privacy policy.

TERMS AND CONDITIONS
Any dispute or claim arising out of or in connection with this website shall be governed and construed in accordance with the laws of Zambia. Zambia is our country of domicile. Minors under the age of 18 are prohibited to register as a user of this website and are not allowed to transact or use the website. If you make a payment for our products or services on our website, the details you are asked to submit will be provided directly to our payment provider via a secured connection. The cardholder must retain a copy of transaction records and merchant policies and rules.