TERMS AND CONDITIONS
Last Updated: October 2025
1. Acceptance of Terms
By accessing or using the SwitchSaver website (“Website”) or any of our services (“Services”), you confirm that you have read, understood, and agree to be bound by these Terms and Conditions (“Terms”) and our Privacy Policy. If you do not agree, please discontinue use immediately.
2. About Us
SwitchSaver is operated by Virtusell (Pty) Ltd, a South African company focused on connecting users with promotional offers, financial services, and comparative deals. We partner with trusted third parties to provide users with relevant, value-based offers via multiple channels, including SMS, WhatsApp, email, and online marketing.
3. Data Collection and Processing
We collect personal data such as your name, contact information, and browsing activity to provide and improve our services, facilitate quote comparisons, and send relevant offers. All processing of your personal information complies with the Protection of Personal Information Act (POPIA) and other applicable laws.
• How We Use Your Data:
• To match you with suitable product or service offers.
• To personalize your experience and deliver tailored content.
• For analytics, campaign optimization, and performance tracking.
• To communicate offers and updates via SMS, WhatsApp, email, or phone.
We will never sell your personal data.
4. Cookies, Tracking & Personalized Advertising
We use cookies, pixels, and similar tracking technologies to enhance user experience, measure performance, and display personalized ads through platforms such as Microsoft Advertising. By using our Website, you consent to the collection and use of data through these technologies as described in this policy.
• Managing Your Preferences:
• You can manage or delete cookies in your browser settings.
• Opt out of personalized advertising at:
• Microsoft Advertising Opt-Out: https://about.ads.microsoft.com/en-us/resources/policies/personalized-ads
• Network Advertising Initiative: https://optout.networkadvertising.org/
• Digital Advertising Alliance: https://youradchoices.com/control
5. Data Retention
Your personal data is retained only for as long as necessary to fulfill the purposes for which it was collected or as required by law. Typical retention periods include marketing and consent data (up to 24 months) and transactional or service data for the duration of your membership.
6. Data Sharing and Third Parties
We may share limited data with trusted partners, including Microsoft Ads and other marketing platforms, for campaign delivery and analytics. These third parties are contractually required to process information securely and in accordance with POPIA. We may also disclose data if legally required or to protect our rights and users.
7. Your Consent and Rights
By using our services or subscribing to SwitchSaver, you consent to the collection and use of your personal information for marketing and service delivery, the use of tracking technologies for personalized ads, and limited data sharing with authorized third-party partners.
You may withdraw consent or object to processing at any time by emailing info@switchsaver.co.za.
Under POPIA, you have the right to access, correct, or delete your personal information; object to processing; and lodge a complaint with the Information Regulator (www.justice.gov.za/inforeg).
8. Direct Marketing & Opt-Out Options
We may send you promotional messages via SMS, email, WhatsApp, automated calls, or online platforms. You can opt out at any time by clicking 'Unsubscribe' in our emails, replying 'STOP' to SMS messages, or emailing info@switchsaver.co.za. You can also register on the National Do Not Contact List: https://dmasa.org/page/register-opt-out-service.
9. Website Usage and Maintenance
We aim to keep our Website functional and up to date but do not guarantee uninterrupted access. We may update, modify, or suspend services without notice. SwitchSaver is not liable for downtime or service interruptions caused by circumstances beyond our control.
10. Intellectual Property
All website content, including text, graphics, logos, and software, is the property of Virtusell (Pty) Ltd or its licensors and is protected under intellectual property laws. No content may be copied, reproduced, or redistributed without prior written consent.
11. Limitation of Liability
To the fullest extent permitted by law, SwitchSaver and its affiliates disclaim all warranties, express or implied. We are not liable for any direct, indirect, incidental, or consequential damages resulting from use of the Website or services. Our maximum liability to any user shall not exceed R500 (five hundred rand).
12. Governing Law
These Terms are governed by the laws of the Republic of South Africa. You consent to the jurisdiction of the Western Cape High Court (or Magistrates Court, where applicable) for any disputes arising under these Terms.
13. Contact Information
Virtusell (Pty) Ltd t/a SwitchSaver
The Colosseum, Century Way, Century City, Cape Town, 7441
Email: info@switchsaver.co.za
Website: https://switchsaver.co.za
ECT Act Disclosures
In compliance with the Electronic Communications and Transactions Act (No. 25 of 2002):
- Legal Entity: Virtusell (Pty) Ltd
- Registered Address: The Colosseum, Century Way, Century City, Cape Town, 7441
- Managing Director: K. Levchenko
- Main Business: Lead Generation & Direct Marketing
- Official Contact Email: info@switchsaver.co.za
- Dispute Resolution: As provided under Clause 12