PROTECT  |  COMPLY  |  PROSPER

Master Terms of Use, Service Terms, Privacy & Cookie Notice

J9COMPLIANCE (Pty) Ltd  |  Effective 8 September 2026  |  Version 1.1

Important - read before payment or reliance

J9 is an independent compliance implementation partner. We are not a law firm, regulator or property practitioner; we do not handle property transactions or trust money; and we do not replace a client's principal, board, Information Officer or other statutory office-holder. Our services, training, Digital Tools, MyJ9 environments and client deliverables are practical support systems. The client remains responsible for its own statutory duties, implementation decisions and regulatory submissions. The payment, cancellation, intellectual-property and liability provisions below affect your rights and responsibilities but do not remove rights that cannot lawfully be limited.

All questions, requests, complaints, intellectual-property concerns and formal notices should be addressed to compliance@j9web.co.za.

Contents

1. Purpose and application
2. Supplier information
3. Acceptance and electronic contracting
4. Our services and professional boundary
5. Independent compliance partner
6. Scope, assumptions and change control
7. Client responsibilities
8. Fees, invoices and payment
9. Subscriptions and MyJ9 access
10. Cooling-off, cancellation and refunds
11. Timing, meetings, delivery and review
12. Confidentiality
13. POPIA roles and accountability
14. Personal information we may process
15. Purposes and lawful justification
16. Sharing, service providers and cross-border processing
17. Retention, security and incidents
18. Data-subject and access rights
19. Direct marketing and service communications
20. Cookies and similar technologies
21. Digital tools and local device storage
22. Intelligence, AI and information outputs
23. Children and family-use tools
24. Intellectual property, J9 methodology and permitted use
25. Training, recordings and educational materials
26. Referrals, alliances and third-party specialists
27. Website use, scraping and prohibited conduct
28. Third-party platforms, links and availability
29. Service standard, disclaimers and no guaranteed outcome
30. Important limitation of risk and liability
31. Suspension and termination
32. Complaints, IP concerns and dispute resolution
33. General legal terms
34. Contact and effective date

Purpose and application

These Master Terms of Use, Service Terms, Privacy and Cookie Notice (the Terms) govern access to www.j9web.co.za, MyJ9, J9Compliance content and downloads, J9Compliance Digital Tools, training, subscriptions, client workspaces and all services supplied by J9COMPLIANCE (Pty) Ltd (J9, we, us or our).

The Terms apply to website visitors, prospective clients, clients, authorised client representatives, members, subscribers, training attendees, users of free or paid Digital Tools, alliance or referral participants where these Terms are incorporated, and anyone who receives or uses J9 materials. Where the Consumer Protection Act 68 of 2008, the Electronic Communications and Transactions Act 25 of 2002 or another applicable law gives a person rights that cannot lawfully be limited, those rights prevail.

A service-specific quotation, proposal, statement of work, subscription description, training booking, order confirmation or written engagement letter is a Service Agreement. If a Service Agreement conflicts with these Terms, the Service Agreement prevails for that engagement, followed by any signed data-processing, confidentiality, alliance or training terms, and then these Terms.

Supplier information

J9 offers practical compliance-system design, pathway mapping, implementation support, training, monitoring, intelligence and related Digital Tools. J9 is not a government body, regulator or law firm and is not affiliated with the PPRA, FIC, CIPC or any other regulator unless a written statement expressly says otherwise.

Acceptance and electronic contracting

You accept the website-use provisions by accessing or using the Website or a Digital Tool. A paid service contract is concluded when an authorised client representative accepts the Service Agreement in writing, signs it electronically or physically, completes a checkout or click-acceptance process, pays an invoice or deposit that refers to it, or instructs J9 to begin after receiving it.

A person accepting on behalf of an organisation warrants that they are authorised to bind that organisation. Electronic communications, electronic signatures, click acceptance, payment confirmations and retained data messages may be used as evidence of the agreement.

Our services and professional boundary

Depending on the written scope, J9 services may include compliance pathway mapping; governance and responsibility mapping; compliance control-room design; policies, registers, workbooks, dashboards and evidence structures; implementation and induction support; practical training and awareness; monitoring and review; research, market intelligence and educational content; digital repositories; subscriptions; and access to Digital Tools.

Important professional boundary

J9 provides practical compliance implementation and monitoring support. J9 does not provide legal, tax, audit, accounting, investment or regulated financial advice; does not guarantee that a client is or will remain compliant; and does not replace advice, certification or representation that must be provided by a suitably qualified or licensed professional.

J9 does not act as a property practitioner, sell, purchase, let, manage or market property, negotiate or facilitate property transactions, canvass consumers, arrange property finance, collect rent or trust money, sign transaction documents, or supervise property practitioners in their transactional activities.

J9 does not become the client's principal property practitioner, Information Officer, FIC compliance officer, money-laundering reporting officer, key individual, auditor, legal representative or other statutory office-holder unless a separate written appointment lawfully and expressly creates that role.

Independent compliance partner

J9 may be described commercially as a compliance partner, implementation partner, training partner or strategic partner. This describes a collaborative working relationship only. J9 remains an independent contractor.

No third party may announce, quote, publish, imply or describe J9 as its exclusive partner, internal compliance division, white-label provider, regulator-endorsed provider or representative without J9's prior written approval.

Scope, assumptions and change control

The Service Agreement defines the agreed deliverables, exclusions, assumptions, client dependencies, fees and estimated timing. A RAG rating, gap assessment, control score or recommendation is a professional assessment based on information available on the assessment date; it is not a regulatory ruling or guarantee. Additional offices, entities, files, practitioners, transactions, systems, meetings, revisions or deliverables may require a written scope change and additional fee.

Client responsibilities

• Provide complete, accurate, current and lawfully obtained information.
• Ensure authority and a lawful basis to share Client Data and third-party records with J9.
• Review drafts, recommendations and populated outputs before implementation or external reliance.
• Implement agreed actions, maintain controls and obtain required approvals.
• Retain original documents, official submissions, evidence and suitable backups.
• Use official legislation, regulator portals and qualified professional advice for final legal or regulatory decisions where appropriate.

The client must not send J9 passwords, one-time PINs, private signing keys, banking credentials, or regulator-portal credentials unless a separate lawful and secure administrative process has been expressly agreed.

Fees, invoices and payment

All fees are quoted and payable in South African rand. VAT will be added only if legally applicable and shown on the quotation or invoice.

Default payment position

Unless the Service Agreement states otherwise: 50% is payable on acceptance to reserve capacity and commence work; the remaining 50% is due within seven calendar days of invoice and before final handover. One-off assessments, downloads and digital products are payable in full in advance. Recurring or monitoring services are payable in advance for the applicable billing period.

If an amount is overdue, J9 may give written notice and suspend work, access, meetings or handover after five business days if payment remains outstanding.

Subscriptions and MyJ9 access

Where J9 offers a recurring MyJ9, membership, monitoring, repository or Digital Tool subscription, the price, billing period, included features, trial conditions and any founding or promotional terms will be shown before purchase.

• A subscription is personal to the named user or licensed organisation and may not be shared, transferred or resold unless the plan expressly allows multiple users.
• Recurring charges are payable in advance for each billing period through the authorised payment method.
• A user may cancel future renewal in the manner made available by J9. Unless mandatory law requires otherwise, cancellation stops the next renewal and access continues until the end of the paid period.
• Prepaid subscription periods are not automatically refundable merely because the user stops using the service, subject always to mandatory consumer rights.
• After expiry or cancellation, J9 may move a repository or account to read-only status for a limited period where this is part of the service design. The user remains responsible for downloading records they wish to retain.

Cooling-off, cancellation and refunds

Mandatory consumer rights

Nothing in these Terms removes a mandatory cooling-off, cancellation, refund, quality or other consumer right. Where section 44 of the Electronic Communications and Transactions Act applies to an electronic service transaction, a consumer may cancel within the period and on the terms provided by that law. Where a transaction resulted from direct marketing, section 16 of the Consumer Protection Act may also apply.

Outside a mandatory cooling-off right, a client may cancel by written notice to compliance@j9web.co.za. J9 will calculate a fair close-out amount based on work properly completed, time reasonably reserved or spent, authorised expenses, and non-recoverable third-party or statutory costs.

Timing, meetings, delivery and review

Dates are estimates unless the Service Agreement expressly calls a date a fixed deadline. Timing depends on client access, client decisions, regulator and third-party availability, system uptime and scope stability. The client should review a deliverable promptly and identify objective errors or material non-conformity with the agreed scope.

Confidentiality

Each party must protect the other's non-public commercial, operational, security and personal information, use it only for the engagement, and disclose it only to people who need it and are bound by suitable confidentiality duties. J9 will not publish the client's name, logo, testimonial, case study, documents or results without prior permission.

POPIA roles and accountability

J9 is the responsible party for personal information it determines to collect and use for its own website, enquiries, contracting, billing, relationship management, security and legal administration.

Where J9 processes personal information contained in Client Data solely for an agreed client purpose and on the client's instructions, the client is ordinarily the responsible party and J9 is an operator. J9 will process operator data only with the client's knowledge or authorisation; keep it confidential; restrict access; maintain appropriate safeguards; and notify the client promptly when there are reasonable grounds to believe unauthorised access or acquisition has occurred.

Personal information we may process

Depending on the interaction and service, J9 may process identity and contact details; enquiry and contract records; billing and payment confirmation records; website and security information; client governance, licence, registration, policy, risk, practitioner, training, evidence and compliance-file information; publicly available professional or regulatory information; and special personal information only where necessary, lawful, appropriately authorised and protected.

Purposes and lawful justification

J9 processes personal information only where a justification permitted by POPIA applies. Purposes may include responding to enquiries; contracting and billing; performing assessments, implementation, training, support and monitoring; administering secure workspaces and subscriptions; protecting systems; meeting legal obligations; investigating incidents; improving services using appropriately minimised or de-identified information; and sending permitted service communications or direct marketing.

Sharing, service providers and cross-border processing

J9 does not sell or rent personal information. It may share the minimum necessary information with authorised personnel, service providers, independent specialists approved or requested for the engagement, advisers and authorities where lawfully required. A provider may operate in another country and J9 will use a mechanism permitted by section 72 of POPIA for cross-border transfers.

Retention, security and incidents

J9 keeps personal information only for as long as reasonably necessary for the stated purpose, Service Agreement, evidence of instructions and delivery, legitimate dispute periods, and tax, accounting, regulatory or legal obligations. J9 applies appropriate and reasonable safeguards proportionate to the information and risk.

Data-subject and access rights

Subject to POPIA, PAIA and other applicable law, a data subject may ask whether J9 holds their personal information; request access, correction or deletion; object to processing on permitted grounds; withdraw consent for future consent-based processing; or object to direct marketing. Requests must be sent to compliance@j9web.co.za.

Direct marketing and service communications

J9 will send electronic direct marketing only where permitted by law. Every marketing communication will identify J9 and provide a simple, free method to opt out.

Cookies and similar technologies

The Website may use cookies, pixels, tags, logs and local-storage technologies for security, preferences, analytics, embedded content or marketing. Where consent is required, non-essential analytics or marketing technologies should activate only after consent.

Digital tools and local device storage

Local-storage warning

Some J9 tools store information locally in the browser or installed web app on the user's device. J9 does not receive, hold or have access to that locally stored content unless the user deliberately exports or sends it to J9.

• Clearing browser data, changing browser profiles, resetting or replacing a device, uninstalling an app or using a privacy-cleaning tool may permanently delete local data.
• The user is responsible for exports, backups, device access, screen locks and safe sharing of exported records.
• J9 cannot restore local data that J9 never received.

Access to a Digital Tool is a licence to use that tool for its intended purpose; it is not a sale or assignment of the tool, code, architecture or underlying methodology.

Intelligence, AI and information outputs

J9Signal, intelligence tools, automated summaries, search features and AI-assisted outputs may use public sources, user prompts, automated retrieval or language models. Outputs may be incomplete, outdated, incorrectly classified or affected by unavailable sources.

• Verify material facts against current legislation, regulator notices and original sources before acting.
• Do not use an output as the sole basis for a legal, employment, credit, regulatory, financial or similarly significant decision about a person.
• AI and intelligence outputs do not constitute legal advice, a regulator's view, an inspection result or a guarantee of compliance.

Children and family-use tools

J9's compliance services and business tools are intended for adults and authorised business users. A family-use or game tool may be used by a minor only with parent or guardian supervision.

Intellectual property, J9 methodology and permitted use

Client output is not the J9 engine

A client may receive and use the client-specific documents and outputs it has paid for. That does not transfer ownership of J9's underlying methodology, architecture, scoring logic, templates, reusable components, software, prompts, training systems or know-how.

J9 retains all right, title and interest in the Website, J9 brand and names, J9 Compliance Pathway and Agency Compliance Pathway methodology, Control Room architecture, control frameworks, assessment and scoring approaches, responsibility and RACI structures, risk-control mappings, practitioner and client-file architectures, evidence models, corrective-action workflows, dashboards, process designs, templates, workbook structures, formulas, prompts, software, Digital Tools, MyJ9 structures, training materials, graphics, text, know-how and reusable components created or licensed by J9 (collectively, J9 Materials).

The client retains ownership of Client Data. Unless a Service Agreement expressly says otherwise, payment for a deliverable does not assign copyright or other intellectual-property rights in J9 Materials. Once all fees due for the applicable deliverable are paid, J9 grants the client a non-exclusive, non-transferable, non-sublicensable licence to use the client-specific deliverable internally for the organisation and purpose identified in the Service Agreement.

• The client may make reasonable internal working copies and populate or adapt unlocked client-specific fields for its own operations.
• The client may not sell, sublicense, white-label, republish, distribute outside its organisation, upload to a public or shared commercial repository, remove J9 ownership notices, or present J9 Materials or methodology as its own.
• The client or user may not reproduce the structure, sequence, taxonomy, scoring method, control architecture or distinctive presentation of J9 Materials to create a competing or substantially similar commercial product or service.
• No person may reverse engineer, decompile, probe, extract, map or reproduce a protected Digital Tool, workflow, software component, prompt structure or data model except to the extent such restriction is prohibited by law.
• No person may use J9 Materials to train, fine-tune, benchmark, seed, populate or materially improve a competing AI, compliance system, knowledge base or commercial product without prior written permission.
• A franchise group, association, consultant, training provider or platform may not roll out one licensed copy across unrelated entities or customers unless the Service Agreement expressly permits it.
• Free downloads are licensed only for the use stated on the download page or in the material. Free does not mean public domain or unrestricted commercial reuse.

If J9 reasonably believes that J9 Materials are being copied, impersonated, redistributed, reverse engineered or commercially misused, J9 may preserve evidence, suspend access where appropriate, request removal or correction, issue a takedown or cease-and-desist notice, and pursue available legal remedies. Nothing in this clause prevents lawful criticism, quotation, independent development or other use permitted by law.

Training, recordings and educational materials

Unless a written training or alliance agreement states otherwise, J9 training is licensed for the registered attendee's learning and the commissioning organisation's internal education only.

• Slides, facilitator notes, workbooks, exercises, checklists, recordings, diagrams and handouts remain J9 Materials.
• No training session may be recorded, transcribed for commercial reuse, livestreamed, repackaged, resold or placed in another course, membership, LMS, knowledge base or subscription without J9's prior written approval.
• A host or alliance partner may not continue selling or replaying a recording after the agreed event unless recording rights, revenue treatment and access period have been agreed in writing.
• Co-branding does not transfer ownership.

Referrals, alliances and third-party specialists

J9 may introduce independent legal, accounting, training, certification, technology or other specialists. An independent provider contracts directly under its own terms, scope, fees, professional duties and insurance. Any referral fee or material benefit will be disclosed where required.

Unless expressly agreed otherwise, an alliance is non-exclusive. Neither party may incorporate the other's protected methodology into its own service, make public announcements on behalf of the other, or use the other's name in litigation, petitions, fundraising, regulatory representations or contentious campaigns without prior written approval.

Website use, scraping and prohibited conduct

The Website and Digital Tools may be used only lawfully and in accordance with their intended purpose. A user must not:

• gain or attempt unauthorised access to an account, system, source code, data or security control;
• introduce malware, overload, disrupt, bypass rate limits or test vulnerabilities without written authority;
• copy, frame, mirror, clone, resell or commercially exploit the Website, a Digital Tool or J9 content outside the permitted licence;
• use bots, crawlers, scripts, automated extraction or systematic scraping to harvest substantial J9 content, training material, structured data, pricing, prompts, workflows, tool outputs or proprietary architecture for republication, dataset creation or commercial reuse without written authority;
• circumvent technical controls, access restrictions, subscription limits or download limits;
• remove notices, falsify provenance or suggest PPRA, FIC, government or J9 endorsement without authority; or
• register, use or promote a confusingly similar name, page presentation, tool identity or branding in a manner that falsely suggests an association with J9.

Third-party platforms, links and availability

The Website and services may rely on or link to independent hosting, cloud storage, email, scheduling, payment, social-media, regulator, search, news or collaboration platforms. J9 does not control third-party uptime, policy changes, content or regulator portals.

Service standard, disclaimers and no guaranteed outcome

J9 will perform paid services with the reasonable care, skill and quality required by the applicable Service Agreement and law. Compliance is an ongoing management responsibility. J9 does not warrant that a client will pass an inspection, avoid a complaint, penalty or data incident, obtain a licence or certificate, recover money, win business, increase revenue, or achieve a particular regulator or examination outcome.

Important limitation of risk and liability

Please read this clause carefully

This clause limits J9's risk and liability and requires users to accept responsibility for implementation, official verification, backups and lawful use. It does not exclude liability or rights that the law does not permit J9 to exclude.

To the fullest extent permitted by law, J9 is not liable for indirect, special or consequential loss, loss of profit, opportunity, goodwill or anticipated saving, or loss of data that the user was responsible for backing up, where that loss was not reasonably foreseeable as a direct result of J9's breach.

Subject to the exclusions below and to the fullest extent permitted by law, J9's aggregate direct liability arising from a specific paid service is limited to the fees paid to J9 for that specific service during the six months immediately preceding the event giving rise to the claim. This cap does not apply where applying it would be prohibited or unfair under mandatory law.

Nothing excludes or limits liability for fraud, wilful misconduct, gross negligence, death or personal injury caused by negligence, breach of a duty that cannot lawfully be excluded, or any mandatory remedy under POPIA, the Consumer Protection Act, the Electronic Communications and Transactions Act or other applicable law.

Suspension and termination

Either party may terminate an ongoing Service Agreement on the notice stated in it. If none is stated, either party may give 30 calendar days' written notice for recurring services. J9 may suspend an affected service while investigating a reasonable security, legal, authority, misuse, intellectual-property or non-payment concern.

Complaints, IP concerns and dispute resolution

All service, payment, privacy, cookie, intellectual-property and website concerns should be sent to compliance@j9web.co.za. A person reporting suspected copying, impersonation or misuse of J9 Materials should, where possible, include the URL, screenshots or copies, date observed and a short explanation of the concern.

The parties should first try to resolve a commercial dispute in good faith and may agree to confidential mediation before litigation. This does not prevent urgent relief or restrict a person's statutory rights.

General legal terms

Governing law and jurisdiction

South African law governs these Terms and each Service Agreement. Proceedings may be brought before a South African court or tribunal with jurisdiction, subject to any mandatory consumer forum or statutory process.

Notices

A notice to J9 must be sent to compliance@j9web.co.za and, where formal service is required, to the physical address stated under Supplier information.

Force majeure

Neither party is liable for delay or failure caused by an event beyond its reasonable control. The affected party must notify the other, mitigate reasonably and resume when possible.

Assignment and subcontracting

The client may not transfer a Service Agreement without J9's written consent. J9 may use suitably bound personnel and service providers while remaining responsible for its contractual duties.

Waiver, severability and entire agreement

A failure or delay in enforcing a right is not a waiver. If a clause is unlawful or unenforceable, it must be limited or severed only to the minimum extent necessary and the remaining Terms continue.

Changes to these Terms

J9 may update these Terms for legal, security, service, intellectual-property or operational reasons. The current version and effective date will be published on the Website. A material change will apply prospectively and, where it materially affects an active paid service, J9 will give reasonable notice.

Contact and effective date

All questions, requests, complaints and formal concerns about these Terms, payments, POPIA, cookies, J9 services, Digital Tools, MyJ9 or J9 Materials should be addressed to:

J9Compliance

Email: compliance@j9web.co.za
Website: www.j9web.co.za
Telephone / WhatsApp: +27 74 233 9492
Business hours: Monday to Friday, 08:30 to 17:00 SAST
Effective date: 8 September 2026
Version: 1.1

By continuing to use the Website or Digital Tools after being given notice of the current Terms, or by accepting a Service Agreement that incorporates them, the user acknowledges that they have had a reasonable opportunity to read and understand the Terms.