Terms & Conditions for use of this website

This website is operated under licence by Louwrens Koen Attorneys and the use thereof is governed by the following Terms and Conditions:

Pre-Condition To Use:

Do not use this website unless you have read these terms and accept that these terms and conditions will govern your right to use and access our website, including all the information, documents and links contained thereon. If you choose to use this website and subsequently access information or download documents from it, your actions will serve as acceptance and agreement to the terms and conditions contained hereunder.

Amendment of Terms:

Louwrens Koen Attorneys reserves the right to change these terms and conditions of use at any time and those changes shall take effect in respect of all subsequent uses by you of the relevant website. You should therefore check these terms and conditions every time before you use the website and only if you accept these terms should you proceed to access and use this website.

Copyright and Restriction of Use:

You are only permitted as a client of Louwrens Koen Attorneys to use the information obtained or downloaded from its website for the purposes of concluding your application, case or contract (as the case might be). You are not permitted to reproduce the information, documents, or materials on the website for any commercial purpose whatsoever, including but not limited to the promotion of your own business or that of any third party. In particular you are not permitted to republish, upload, transmit electronically or otherwise distribute any of the information or documents that you download from its website. Louwrens Koen Attorneys expressly reserves all copyright in this website including, but not limited to the articles, information, documents, adverts, pictures and photos on this website. Any further enquiries in this regard should be sent to koen@louwrenskoen.co.za.

Trademarks and Restriction of Use:

You are not permitted to use any trade marks, trade names, designs, graphics or adverts that is on Louwrens Koen Attorneys website. Louwrens Koen Attorneys reserves the right to take action against you if you breach any of its trade marks, copyright or adverts (re-branded or not).

Exclusion of Competitors:

If you are in the business of providing any information, documentation or services to people regarding debt solutions or Insolvency Law, or if you are advising people or are in any way involved with the drafting of court applications, whether it be free of charge or not, then you are a competitor of Louwrens Koen Attorneys. Louwrens Koen Attorneys expressly excludes and does not permit you to use or access its website, to download any information, documents or data of any kind from its website or obtain any such information, documents or data of any kind, though a third party. If you breach this term then Louwrens Koen Attorneys will hold you fully responsible for any loss that it might sustain and further holds you accountable for all profits that you might make from such unpermitted and improper use. Louwrens Koen Attorneys reserves the right to exclude and not permit any person from using  this website or any of the information, documents and other data contained on it.

Louwrens Koen Attorneys is a legal practise:

Whilst the documents and information have been prepared by experienced legal practitioners and/or experts in their respective fields, the website of Louwrens Koen Attorneys itself, usually expresses only a general opinion on a given topic, to which there might be certain exceptions. Our website is intended to provide you with useful information, documentation and links, and subsequent legal advice and services will only be provided by the staff of our firm.

Consult a Legal Practitioner:

If you are unsure as to any of the terms or any of the information or how it applies to your specific circumstances then you should consult with a legal practitioner. Both the information and documents we provide must necessarily be general and may not cover every situation that might arise. You should therefore use a legal practitioner for any specific problem that you might have or if you are unsure or do not understand any of the information or documents on the website.

Limitation On Louwrens Koen Attorneys liability:

It is an essential pre-condition to you using Louwrens Koen Attorneys website that you agree and accept that Louwrens Koen Attorneys is not legally responsible for any loss or damage you might suffer related to your use of the site, whether from errors or from omissions in our documents or information or from any other use of the website. In short, your use of the site is at your own risk. Louwrens Koen Attorneys liability for any breach of a term of this agreement or any loss or damage which may arise as a result from the use of Louwrens Koen Attorneys website, regardless of fault, is limited to:-

(i) the supplying to you of the services again; or

(ii) the payment of the costs of having the services supplied to you again.

Links To Other Websites:

Louwrens Koen Attorneys has provided on this website links to other websites and information on those websites for your convenience. This does not necessarily imply sponsorship, endorsement, or approval or arrangement between Louwrens Koen Attorneys and the owners of those websites. Louwrens Koen Attorneys takes no responsibility for any of the content found on the linked websites. Louwrens Koen Attorneys website may contain information provided by third parties. Louwrens Koen Attorneys accepts no responsibility whatsoever for information or advice provided to you directly by third parties.

Express Disclaimers:

To the fullest extent permitted by law, Louwrens Koen Attorneys absolutely disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for any particular purpose. Louwrens Koen Attorneys gives no warranty that the information and documents will be free of errors, or that defects will be corrected, or that Louwrens Koen Attorneys website or its server is free of viruses or any other harmful components. Louwrens Koen Attorneys does not warrant or make any representations regarding the use or the result of the use of any information, document or link in its website or as to their correctness, suitability, accuracy, reliability, or otherwise. It is your sole responsibility and not the responsibility of Louwrens Koen Attorneys to bear any entire costs of servicing, repairs, or correction. Applicable laws may not permit these exclusions, particularly the exclusions of some implied warranties. Some of the above may not apply to you.

Your Privacy:

Louwrens Koen Attorneys respects the privacy and confidentiality of the information provided by you. Louwrens Koen Attorneys does not knowingly collect any information regarding children. You may change your details at any time by sending an e-mail to koen@louwrenskoen.co.za. All information Louwrens Koen Attorneys receives from its customers is protected by Louwrens Koen Attorneys secure server. Louwrens Koen Attorneys secure server software encrypts all customer information. Furthermore, all of the customer data Louwrens Koen Attorneys collects is secured against unauthorised use or access. Credit card information is not stored by us on our servers.

Third Parties Can Not Use Your Information:

Louwrens Koen Attorneys does not sell or deal in personal client or customer information. Louwrens Koen Attorneys may however use in a general sense without any reference to your name, use your information to create marketing statistics, identify user demands and to assist it in meeting its clients' needs generally. Louwrens Koen Attorneys may use the information that you provide to improve its website, services and service delivery.

Louwrens Koen Attorneys May Disclose:

Louwrens Koen Attorneys may disclose information in good faith and where Louwrens Koen Attorneys is required to do so:-

(i) by law or by any court;

(ii) to enforce the terms of any of our client / customer agreements;

(iii) to protect the rights, property or safety of Louwrens Koen Attorneys, its clients / customers or third parties; or

(iv) to banks or financial institutions with the purpose of preventing fraud and as proof of any transaction.


This agreement and this website are subject to the laws of South Africa. If there is a dispute between you and Louwrens Koen Attorneys that results in litigation, then by use of our website you submit to the jurisdiction of the courts of South Africa.

Whole Agreement:

These terms and conditions represent the whole agreement between you and Louwrens Koen Attorneys concerning your use and access to Louwrens Koen Attorneys website and your use and access to the documents and information on it. No other term is to be included in this agreement. Any and all implied are hereby expressly excluded, except those implied by any statute which can not be expressly excluded.

Conflicting Conditions:

Where there is a conflict between Louwrens Koen Attorneys standard Terms and Conditions and written terms and conditions given by the author to a third party with consent to utilise his articles published on this site, the author's terms and conditions will apply in and for that specific instance only.