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South African
Terms and Conditions

Cut Costs and Get More. Business Insurance.

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terms and conditions
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“We found the perfect cover through insurance.co.za with next to no work required on our behalf - various insurance quotes came directly to us!

De Klerks, Cape Town

Terms and Conditions

About insurance.co.za

www.insurance.co.za (“the Website”) is an online insurance comparison site, enabling users (“you, your”) to voluntarily enter their contact information on a single Website, allowing various insurance companies to contact them regarding insurance premiums.
Insurance.co.za (“we, us, our”) provide marketing services ,including but not limited to online lead generation marketing, for a variety of insurers offering many types of insurance products, and We submit your details to a variety of insurance companies or brokers.

Use of the Website

You may only use the Website if you are an adult major (over 18 years of age) and therefore it is important to know that minors may not make use of the Website.
You may use the Website to browse the content, voluntarily enter legitimate information. You shall not use the Website for any other purposes, including, but without limitation to the entering of any false or fraudulent information.
The Website and the content provided therein may not be copied, reproduced, republished, uploaded, posted, transmitted or distributed. Please note further that Deep-linking, embedding or using analogous technology is strictly prohibited. Unauthorized use of the Website and/or the materials contained on the Website may violate applicable copyright, trademark or other intellectual property laws or other laws.

Electronic Communications
When you visit the Website or send e-mails to us, you are communicating with us electronically. Your use of the Website shall be deemed your consent to receive communications from us electronically which will allow Us to communicate with you via e-mail or by posting notices on the Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically, satisfy any and all legal requirement that such communications be in writing.

Our Rights

We may:

modify or withdraw, temporarily or permanently, the Website (or any part thereof) with or without notice to you and you confirm that we shall not be liable to you or any third party for any modification to or withdrawal of the Website; and/or
Change these Terms and Conditions from time to time with or without notice to you, and your continued use of the Website (or any part thereof) following such change shall be deemed to be your acceptance of such change. It is therefore important that you check these terms and conditions before you voluntarily choose to use the Website.
We will use all of our reasonable endeavors to maintain the Website. The Website is subject to change from time to time. You will not be eligible for any compensation should your use of any part of the Website be affected in anyway and or because of a failure, suspension or withdrawal of all or part of the Website due to circumstances beyond our control.
Our continued communication with You – By using the Website you provide your consent which allows Us to communicate various messages to You relating to promotions, special offers, discounts and the like associated with Our insurance comparison engine. The forms of communication may include, but are not limited to, electronic mail; mobile communications (SMS); and telephone calls.

Privacy Policy

We are committed to protecting your privacy.

This privacy policy applies to all the web pages related to the Website. The information gathered through details submitted voluntarily to the online forms on the Website will not be used for anything other than that which is stated in these Terms & Conditions.
Such gathered personal information may be re-used and stored by Us for a reasonable period and in order for the completion of any of our related services, including inter alia any marketing and advertising of products by Us to You. The Website may collect certain information about your visit, including but not limited to the name of the Internet service provider and the Internet Protocol (IP) address through which you access the Internet; the date and time you access the Website; the pages that you access while at the Website and the Internet address of the website that linked you directly to the Website. This information is used amongst other things to help improve the Website, analyze trends, and administer the Website.
Your continued use of the Website following the posting of changes to these Terms and Conditions (including but not limited to changes to the Privacy Policy) will be deemed as your acceptance of those changes. If you have any questions or concerns about our privacy policy, please send us an E-mail to info@insurance.co.za. Through your use of the Website, you signify your acceptance of our Privacy Policy. Should you not agree to this policy, please do not continue to use the Website.

Please rest assured that, while using our website, should you choose to provide us with personally identifiable information, any such personal information will not be shared with any third-party organisation unless you have consented or requested we submit your details onto a third party,including but not limited to you submitting your information via one of our forms for insurance products and quotes. Should you however wish to unsubscribe from our services please send an e-mail to unsubscribe@insurance.co.za.

Cookie Tracking

The Website may use cookie and tracking technology from time to time depending on, but not limited to, the features offered. Cookie and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to the Website, and understanding how visitors use the Website. Cookies can also help customize the Website for visitors. Personal information cannot be collected via cookies and other tracking technology, unless and in the instance that you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties and by using our Website you provide your consent to share such information with 3rd parties.

Links

In an attempt to provide increased value to our users, we may provide links to other websites or resources.
You acknowledge and agree that we are not responsible for the availability of such external sites or resources, and further accept that We do not endorse and are not responsible or liable in anyway whatsoever, directly or indirectly, for the privacy practices or the content (including misrepresentative or defamatory content) of such websites, including but without limitation to, any advertising, products or other materials or services on or available from such websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such content, goods or services available on such external sites or resources.

Monitoring

We hold the right in our sole and absolute discretion, to monitor any activity and content associated with the Website. We may investigate any reported violation of these Terms and Conditions or complaints and take any action that We may deem appropriate which may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access, and/or the removal of any materials from the Website.
Law

The Terms and Conditions will be exclusively governed by and construed in accordance with the laws of South Africa whose Courts will have exclusive jurisdiction in any dispute.

Intellectual Property

All content included on the Website, including but not limited to, text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is Our property or the property of Our content suppliers and is protected by international copyright laws.
The compilation of all content on the Website is our exclusive property and is protected by international copyright laws.
All software used on the Website is our property or that of our software suppliers and is protected by international copyright laws.
The trademarks, names, logos and service marks (collectively “Trademarks”) displayed on the Website registered and unregistered Trademarks belong to us. Nothing contained on the Website, except as expressly stated in the Terms and Conditions, shall be construed by you as the granting of any license or right to use any Trademark without Our prior written permission. All rights in and to the Content and Trademarks are reserved and retained by us and/or our content suppliers.
You further acknowledge that we and/or our content suppliers are the proprietors of all the Content and Trademarks on the Website, whether it constitutes confidential information or not, and that you hold no right, title or interest in any such material.

Warranties
We make no representations or warranties of any kind, express or implied, as to the operation of the website or the information, content, materials, and/ or products included on the website. You expressly agree that your use of this site is at your sole risk.
To the full extent permissible by applicable law we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. We do not warrant that the website, its servers, or e-mail sent from us are free of viruses or other harmful components. We will not be liable in any way for any damages of any kind arising from the use of this site, including, but not limited to direct, indirect, incidental, punitive, and consequential damages.
Neither us nor our directors, employees, officers, suppliers, or service providers make any representations or warranties of any kind including but not limited to express or implied representations or warranties, as to the operation of the website or the information, content, materials, or products included on the website. You expressly agree that your use of the website is at your sole risk.
In no event shallwe, our directors, employees, officers, or oursuppliers or service providers be liable for lost profits or any special, incidental or consequential damages arising out of or in connection with the use of the website, our services or the terms and conditions (howsoever arising, including but not limited to negligence.

General

We grant you a limited license to access the Website. This license does not permit any resale or commercial use of the Website or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of the Website or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools.
Please note it is your responsibility to check the Website regularly to determine whether any changes have been made to the Terms and Conditions and your continued use of the Website will be deemed Your acceptance of the Terms and Conditions.
Through the use of our Website you acknowledge that you submit all and/ or any of your personal information voluntarily on our Website thereby allowing us to use such voluntarily submitted information for the completion of our services to you.

The Website or any portion thereof may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without our prior written consent.

You may not frame or utilize framing techniques to enclose any Trademark, logo, or other proprietary information (including images, text, page layout, or form) belonging to us and our affiliates without our prior written consent.