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User Agreement (the “Site”) is an online information service provided by Doreen Royan & Associates (Pty) Ltd. Access to is subject to your compliance with the terms and conditions set forth below.

Any reference to in this agreement shall include Doreen Royan & Associates (Pty) Ltd.

Access to the site remains strictly reserved.


1. Copyright, licences and idea submissions

Domestic and international copyright and trademark laws protect the entire contents of the website and services offered. The owner of the intellectual property, copyright and trademark is Doreen Royan & Associates (Pty) Ltd.

If you believe that content appearing on the Site constitutes copyright infringement of another party’s rights, please notify us immediately.

2. Trademarks is a trademark of Doreen Royan & Associates (Pty) Ltd and you agree not to use this in any way whatsoever without the prior written consent of the managing director of Doreen Royan & Associates (Pty) Ltd.

3. Information and personal details sharing

The sharing of any information, including personal details, as may be required at time of application or purchase, is done so with the clear understanding that may use this information in accordance with the detailed Privacy Policy of the website. All users and anyone applying or purchasing with the site further acknowledge that the information shared with the site is stored in an online database, that potentially could be hacked by a third party or could become compromised through malicious server and database attacks.

Therefore, it is specifically agreed that using the site and sharing information with the site, including but not limited to personal details, is done so entirely at the risk of the user and the site user specifically agrees not to hold responsible should any personal details become compromised. Should this not be acceptable to the user, then the user’s sole course of action shall be not to share information with the website.

4. Use of the Site

Except for information, products or services clearly identified as being supplied by, does not operate, control or endorse any information, products or services on the Internet in any way.

Other than products or services or information, all information, products and services offered through the Site or on the Internet generally, are offered by third parties that are not affiliated with cannot and does not guarantee or warrant that information, news or files available on the site or via download facilities through the site are true and accurate. Use of the information published on this site is at your own risk and you will have no recourse against the site,, Doreen Royan & Associates (Pty) Ltd and/or its directors.

With reference to download files, does not warrant or guarantee files will be free of infection or viruses, worms, Trojan horses or other codes that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.

5. Equipment

You shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of the service and all charges related thereto.

6. Indemnification

You agree to indemnify, defend and hold harmless, Doreen Royan & Associates (Pty) Ltd, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the Site from and against all losses, expenses, damages and costs, including attorneys’ fees, resulting from any violation of this Agreement (including negligent or wrongful conduct) by you or your use and access of the Site.

7. Third party rights

The provisions of paragraphs 4 (Use of the Site), and 6 (Indemnification) are for the benefit of, Doreen Royan & Associates (Pty) Ltd and its officers, directors, employees, agents, licensors, suppliers, and any third party information providers to the Site. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

8. Special admonitions for international use

Recognising the global nature of the Internet, you agree to comply with all local rules including, without limitation, rules about the Internet, data, e-mail, or privacy. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the country in which you reside.

9. Dealings with third parties

Your participation, correspondence or business dealings with any third party found on or through the Site, regarding the payment and delivery of related goods or services and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party. You agree that and Doreen Royan & Associates (Pty) Ltd shall not be responsible or liable for any loss, damage or other matters of any sort incurred as the result of any such dealings.

10. Links

The site or third parties may provide links to websites or resources. Because has no control over such sites and resources, you acknowledge and agree that is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

11. Miscellaneous

This Agreement shall be governed and construed in accordance with the laws of the Republic of South Africa. You agree that any legal action or proceeding between and you for any purpose concerning this Agreement or the parties’ obligations hereunder shall be brought exclusively in a court of competent jurisdiction sitting in the district of Johannesburg, Gauteng, South Africa.

Any cause of action or claim you may have with respect to the Site must be commenced within one (1) year after the claim or cause of action arises.’s failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties, nor trade practice shall act to modify any provision of this Agreement.

Please note that cancellation of subscriptions to the Collectors’ Clubs will only take effect if the member’s account with Doreen Royan & Associates (Pty) Ltd shows a nil balance. may assign its rights and duties under this Agreement to any party at any time without notice to you.

Any rights not expressly granted herein are reserved.