Terms and Conditions of Use
INSURE CITY INSURANCE BROKERS
WEBSITE TERMS AND CONDITIONS OF USE
1.1 Website Terms and Conditions of Use Relating to the website provided by Insure City Insurance Brokers (Pty) Ltd (Registration Number: 1988/001942/07) (“the Provider”), as well as its website located at the following URL https://www.insurecity.co.za/ (“the Website”). These Terms and Conditions (“the Terms and Conditions”) govern your (“the User”) use of the Provider’s Website and the Services associated therewith. By accessing and using, and in particular indicating your acceptance of the terms by clicking on the “I accept these terms” button as provided for on the Website, the User agrees to be bound by the Terms and Conditions set out in this document. The content of this Website is proprietary to the Provider and / or otherwise utilized in terms of a written license agreement entered into between the Provider and the proprietor of such content. As such, the User may not access, display, use, download, and/or otherwise copy or distribute content obtained on the Website for any purposes other than as provided for in these Terms and Conditions without the prior consent of the Provider.
1.2 In terms of section 49 of the Consumer Protection Act, 2008 your attention is drawn to the provisions of clauses 2,4,7,8,9,10 and 13 which:
i) limit in any way the risk or liability of the Provider or any other person;
ii) constitute an assumption of risk or liability by the User;
iii) impose an obligation on the User to indemnify the Provider or any other person for any cause; or
iv) constitute an acknowledgement of any fact by the User.
The User warrants that he / she is at least 18 (eighteen) years of age and has the necessary contractual and mental capacity to enter into and be bound by these Terms and Conditions. Where the User acts on behalf of a juristic person, the User agrees to bind himself / herself as surety and co-principal debtor with such juristic person for the due performance of the juristic person’s obligations in terms of these Terms and Conditions. Notwithstanding the aforegoing, the User (where he/she acts on behalf of a juristic person) warrants that he / she has the necessary authority and capacity to enter and bind the juristic person to these Terms and Conditions.
By using this Website or communicating with the Provider by electronic means, the User consents and acknowledges that any and all agreements, notices, disclosures, or any other communication shall have been adequately addressed to the User upon transmission by e-mail to the e-mail address provided by the User and it constitutes proper notice to the User.
4.1 The Website offers various services, including, but without limitation, the provision of services relating to Short Term Insurance (“the Services”). Under certain circumstances, the Provider may also afford the User an opportunity to conclude commercial transactions with various third parties who use the Website. The use of any product or service bought or subscribed for through the use of the Website, is at the User’s own risk.
4.2 If a User uses the Website and the portals created specifically for customers to register claims and request quotations (“the Online Portal(s)”), the User is obliged to keep his/her personal information embedded within this feature confidential and not allow other people to use it. The User also accepts full responsibility for all activities that occur when their personal information is used and accept responsibility for sharing his/her personal information.
4.3 Once a User has logged onto the Website and/or uses the Online Portal(s), certain information, functionalities and other features of the Website and Online Portal(s) will be accessible to the User the next time the User visits the Websites and/or Online Portal(s), without having to re-enter their personal information.
4.4 The User expressly acknowledges and agrees that the following actions shall be material breaches of these Terms and Conditions:
4.4.1 signing in as, or pretending to be, another person;
4.4.2 transmitting material that violates, or could violate, the intellectual property rights of others or the privacy of others;
4.4.3 using the Services in a way that is intended to harm, or could result in harm, to the User or to other users of the Website; or
4.4.4 gathering information and specifically Personal Information about others without obtaining their prior written consent.
4.5 The User also expressly agrees that any use of his/her personal information shall be regarded by the Provider as if the User were the person using such information in all instances.
5.1 The User shall make available and consents to the processing of the following personal information by the Provider:
i) e-mail address;
ii) name and surname;
iii) name of company/organisation;
iv) registration number;
v) identity number;
vi) physical address;
vii) IP address;
viii) Body corporate name;
ix) unit number;
x) homeowners association name;
xi) financial information (bank account particulars);
xii) telephone number; and
xiii) opinions and preferences.
(“the Personal Information”)
5.2 The User agrees that the Provider may process the User’s Personal Information for all purposes that relate to the Website and the Services offered through the Website. In order to do so, the User acknowledges that the Provider is required to find out exactly what the User needs or wants.
5.3 The User does have the right to object to the processing of their Personal Information and it is voluntary to accept these Terms and Conditions. However, the Provider does require the User’s acceptance to enable the User to use the Website, and to provide the Services, which may include making available access to the Online Portal(s).
i) verifying the identity of the User;
ii) transmitting and receiving necessary correspondence to the User in relation to the Services or the products or services accessed, used or purchased by the User through, or by means of the Website;
iii) facilitating delivery of the Services or the products or services accessed, used or purchased by, or subscribed to by, the User through, or by means of the Website;
iv) generally rendering the Services;
v) processing payments, refunds and the like in respect of any of the Services or the products or services accessed, used or purchased by the User through, or by means of the Website;
vi) to administer insurance claims for or on behalf of the User;
vii) to provide the User with quotations for additional products/services from time to time;
viii) transmitting marketing material to the User in respect of the Services made available by the Provider or any third party;
ix) to monitor and analyse the User’s conduct in respect of the Services;
x) for compliance and risk purposes;
xi) to analyse the Personal Information collected for research and statistical purposes and once such Personal Information is analysed to send the User marketing and promotional material which the Provider believes may, based on the Provider’s processing of the User’s Personal Information, be relevant to the User and enhance the User’s use of the Services provided on, through, or by means of the Website;
xii) to transfer the User’s Personal Information to any relevant third party, such as any company associated with or affiliated to the Provider, as well as any third party service provider such as the provider of the Online Portal(s) licenced by the Provider;
xiii) to conduct market research, as well as academic research in respect of the Personal Information in order to identify potential markets and trends, to develop new products and services and to improve the nature of the Services being provided to the User by the Provider;
xiv) to aggregate and/or de-identify the User’s Personal Information after analysing it for statistical purposes and/or conducting market and academic research in respect thereof, as aforesaid, and transferring or on-selling such de-identified Personal Information to third parties for commercial or non-commercial means.
5.6 The User expressly agrees and acknowledges that any failure by the User to submit the requisite Personal Information may render the Provider unable to deliver the Services and should this arise, the User hereby indemnifies and holds the Provider harmless against any loss or damage which the User may suffer as a result of the Provider’s inability to render or deliver the Services.
5.7 The User acknowledges that through the use of the Website or the Services, which may include completing online application forms or contacting the Provider electronically, the Provider will in effect be processing the User’s Personal Information.
5.9 In such an event contemplated in clause 5.8 above, the User warrants that they have the required consent to furnish the Provider with such Personal Information.
6.1 The Provider shall take appropriate, reasonable technical and organisational measures to secure the integrity and confidentiality of the Personal Information in its possession, in order to guard against:
i) loss of, damage to or unauthorised destruction of Personal Information; and
ii) unlawful access to or processing of Personal Information.
6.1 The Provider shall not however be held responsible and the User agrees to indemnify and hold harmless the Provider for any security breaches occurring on the User’s electronic device (personal computer or other electronic device used to browse the Website or access the Services), which may arise as a result (without limitation) of the lack of adequate virus protection software or spyware that the User may inadvertently have installed on his/her device.
7.1 At the Provider’s discretion, it may include references to or facilitate access to products offered or services rendered by third parties and provide links to the sites or web-applications of third parties. These third-party service providers and their sites or web-applications (whichever may be applicable) have separate and independent terms and conditions and privacy policies applicable to their products, services and respective sites or web-applications. The Provider shall bear no responsibility or liability for the products offered or services rendered by such third parties or the content and services provided through or by means of their respective websites and/or web-based applications, regardless of whether such site or web-application bears the Providers corporate branding or not.
7.2 The Provider makes no warranties or representations whatsoever regarding the products offered or services rendered by any third party or the content or activities of such third party websites or web-applications, which may be accessed or used through or by means of the Provider’s Website and/or its associated Services.
7.3 The User acknowledges that the Provider merely facilitates the User’s access to such third party’s products, services, website and/or web-application(s) and does not itself offer the products or render the services of such third party to the User.
7.4 The User acknowledges that neither the Provider, nor its directors, prescribed officers, board of trustees, agents or assigns, shall be held responsible for any direct or indirect special, consequential or other damage of any kind whatsoever suffered or incurred, related to the use of, or the inability to access or use the content of or the website of a third party, as well as any functionality of said website and the products offered or services rendered through or by means of said website, or of any linked website, even if Provider is expressly advised thereof.
8.1 By accessing and making use of the Website in the capacity as an agent of the User, such User acknowledges and agrees that he/she may gain access to the Personal Information of third parties (clients, employees, body corporate/homeowners association members etc.).
The Provider reserves the rights to change, modify, add or remove from portions or the whole of these Terms and Conditions from time to time. Changes to these Terms and Conditions will become effective upon such changes being posted to this Website. It is the User’s obligation to periodically check these Terms and Conditions on the Website for changes or updates. The User’s continued use of this Website following the posting of changes or updates will be considered notice of the User’s acceptance to abide by and be bound by these Terms and Conditions, including such changes or updates.
10.1 The User expressly acknowledges and agrees that the applicable laws governing the Provider shall at all times be applicable to the Services.
10.2 The Website and all content on the Website, including any current or future offer of products or services, are provided on an “as is” basis, and may include inaccuracies or typographical errors. The Provider makes no warranty or representation as to the availability, accuracy or completeness of the content. Neither the Provider, its affiliates, its directors, members, prescribed officers, agents or assigns, shall be held responsible for any direct or indirect special, consequential or other damage of any kind whatsoever suffered or incurred, related to the use of, or the inability to access or use the content or the Website or any functionality thereof, or of any linked website, even if Provider is expressly advised thereof.
10.3 Neither the User or any other person shall have any claim against the Provider for any direct, consequential, incidental, indirect or special loss or damages, including, without limitation, business interruption, loss of business information, loss of data or other pecuniary loss, arising from the unavailability of the Services, regardless of whether such claim is based on breach of contract, delict, breach of implied warranties or otherwise and even if the possibility of such loss or damages could have been foreseen or if the Provider was negligent.
10.4 The Provider therefore does not guarantee that (i) the Website; (ii) the information, content, tools or materials included on the Website; (iii) the Provider’s servers; or (iv) that any electronic communications sent by the Provider will be free from viruses or other harmful components. The Provider will not be liable for any damages of any kind arising from your use of the Website, the Services or from any information, content, tools or materials included on or otherwise made available to the User through the Website, including for direct, incidental, punitive and/or consequential damages.
10.5 Although the Provider is committed to providing Users with the best possible Service, the Provider shall not be responsible for:
10.5.1 any of the events described in this clause 10;
10.5.2 any actions or omissions by the User that result in a breach of the provisions of these Terms and Conditions;
10.5.3 any links to other websites or web-applications from the Website. The User also acknowledges that the Provider cannot control the content of or the products offered on any third party websites and/or web-applications;
10.5.4 a denial of access to the Website or the Services, should the Provider believe or have reason to believe that the User is conducting activities that are illegal, abusive, would attack the integrity of the Website or put the Provider in disrepute; or
10.5.5 the User’s reliance on any of the Services, information, content, tools or materials that the User obtains or gains access to from the Website.
The User may visit the Website without providing any personal information. The Website servers will in such instances collect the IP address of the User’s computer or other electronic device, but not the e-mail address or any other distinguishing information. This information is aggregated to measure the number of visits, average time spent on the Website, pages viewed, etc. The Provider uses this information to determine use of the Website, and to improve content thereon. The Provider assumes no obligation to protect this information and may process such information without limitation.
12.1 The Website is controlled, operated and administered by the Provider within the Republic of South Africa. Access to the Website from territories or countries where the use of the Services provided through the Website is illegal, is prohibited.
12.2 The User may not use the Website in violation of South African export laws and regulations. If the User accesses this Website from locations outside of South Africa, that User is responsible for compliance with all local laws. These Terms and Conditions shall be governed by the laws of the Republic of South Africa, and the User consents to the jurisdiction of the any High Court with jurisdiction for purposes of resolving any dispute in connection with the use of this Website. If any of the provisions of these Terms and Conditions are found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions, and the remainder of these Terms and Conditions shall continue in full force and effect. These Terms and Conditions constitute the entire agreement between the Provider and the User with regard to the use of the Services, information, content, tools and, or materials made available to the User through the Website.
13.1 The User agrees not to:
i) use the Website or the Services to process Personal Information of third parties;
ii) violate the privacy of any person in order to, or attempt to, gain unauthorised access to the Website or the Services, including, but without limitation through hacking, password mining or any other means; or
iii) use the Website or the Services to engage in any illegal or unlawful activity.
13.2 Should the User engage in any of the aforementioned activities, or breach any of the provisions of these Terms and Conditions, the Provider shall be entitled, without prejudice to any other rights it may have and without prior notice to the User:
i) suspend the User’s access to the Website and/or the Services; and/or
ii) terminate this agreement and recover all costs incurred by the Provider, including, but without limitation, legal costs on an attorney and own client basis.
14.2 All content made available on the Website (for example, text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and where applicable software) belongs to the Provider, or is alternatively used pursuant to a licensing agreement concluded between the Provider and the third party proprietor of such content.
14.3 Any unauthorised use, alteration or dissemination of the information or content published on the Website is strictly prohibited.
14.4 The User expressly acknowledges that no content or information displayed on the Website may be regarded or construed as granting any licence or right to any third party, including the User, to use any trademark without the Provider’s prior written consent and approval.
14.5 Although the Provider has deployed reasonable technical and organisational measures to protect the information on the Website from time to time, the User acknowledges that the Provider cannot be held responsible for any consequences that may result from the unlawful breach of copyright or unlawful dissemination of information by third parties copying information off of the Website.
15.1 In compliance with section 43 of the Electronic Communications and Transactions Act, 2002, the Provider draws your attention to the following information relating to it:
i) Full name and legal status:
Insure City Insurance Brokers (Pty) Ltd
ii) Physical address and telephone number:
2nd Floor, MidCity Corner,
500 Jorissen Street
Sunnyside East, Pretoria
Tel: 012 426 3400 (Switchboard)
iii) Website address and e-mail address:
iv) The registration number, the names of its office bearers and its place of registration:
(Registration Number: 1988/001942/07)
Mr Marius Alberts (Information Officer)
v) The physical address where the Provider will receive legal service of documents:
500 Jorissen Street
vi) A sufficient description of the main characteristics of the Services offered by the Provider:
The Provider is a private company registered in terms of the company laws of the Republic of South Africa and conducts the business of a provider of short-term insurance brokerage services. The Website is deployed by the Provider to offer various services, including, but without limitation, the provision of consumer information, promotional material, commercial insurance and/or property insurance content and information services and providing the interface between the Provider and the User in order to enable or afford the User to access the Online Portal(s) or procure access to such relevant services, content, tools or materials being offered through or by means of the Website (“the Services”).