Terms of Use

DEFINITIONS AND INTERPRETATION

“INTEGRISURE” refers to IntegriSure Brokers (Pty) Ltd, a licensed non-life intermediary license number: 14595, reg number: 2000/003495/07 and IntegriCom Brokers (Pty) Ltd (FSP 7247), reg number: 2001/021496/07 and IS-Administrators (Pty) Ltd (FSP 7246), reg number: 2002/018969/07.

“Personal Information” means Personal Information as defined in The Protection of Personal Information Act No. 4 of 2013 (“POPI”).

“User” means anyone who opens, enters and/or uses the IntegriSure website, the Self Service Portal, and/or any other IntegriSure platform/system.

DISCLAIMER

Although we take all reasonable precautions, IntegriSure makes no express or implied representations or warranties that the content and services available from all our online platforms are free from errors or omissions or that the service will be uninterrupted and error-free. Users are encouraged to please report any malfunctions and/or errors.

IntegriSure (including its owners, directors, employees, suppliers, internet service providers, affiliates and/or agents) shall not be liable for any damage, loss or liability of any nature incurred by whomever and resulting from, inter alia, the following:

• Use of the IntegriSure website.
• Inability to use the IntegriSure website.
• Access or lack of access to the IntegriSure website.
• Access or lack of access to websites linked to the IntegriSure website.
• Use of the services provided by the IntegriSure website.
• Relying on content or information provided on the IntegriSure website.
• Downloads and/or use of content from the IntegriSure website.

The information in or attached to messages transmitted from IntegriSure via email, WhatsApp, SMS or any other social media platforms such as Facebook, Instagram, YouTube, Twitter, TikTok and/or LinkedIn is confidential and only intended for the person(s) or entity to which it is addressed. Furthermore, the information may be subject to legal privilege and client confidentiality. If you receive any electronic communication from IntegriSure in error, please notify the sender by return and delete the material from your device(s). Any unauthorised use and/or processing of this information by persons or entities other than the intended recipient is prohibited.

IntegriSure cannot be held liable for any harm or loss resulting from malicious software code or viruses in electronic messages or attachments, including data corruption resulting from these. Employees or representatives of IntegriSure are not permitted to send unsolicited messages (“spam”), and IntegriSure cannot be held liable for their sending of such mail should this happen.

Please be mindful that opinions shared on social media do not represent the opinion of IntegriSure, nor does publication imply endorsement by IntegriSure. Guidelines for how and which opinions and/or comments are shared are therefore imposed to protect you from prejudice by other users and vice versa. IntegriSure reserves the right to regulate traffic on its social media pages and remove inappropriate content.

Some general guidelines are as follows:

• Avoid damaging, offensive, disrespectful and/or antagonistic or inappropriate comments/language.
• Don’t break the law, and don’t entice others to do so.
• Do not post and/or forward any spam.
• Stay with the topic under discussion and try only to post comments that are relevant and valuable.
• Do not promote competitors of IntegriSure on our social platforms.

COOKIES AND GOOGLE ANALYTICS

“Cookies” are data files compiled “in the background” and transferred from our website to your computer when you use our website. This enables us to understand more about our web users, to tailor advertising campaigns more in line with our user computer usage preferences and means that based on the pages you visit on our site, you may see our advertisements on selected other websites.

By using IntegriSure platforms, you understand and agree that we use cookies and Google Analytics to deliver more relevant, targeted advertising. All personal information collected through cookies is de-personalised and cannot be linked back to you. You may refuse the use of cookies by selecting the appropriate settings in your browser, but you may then lose some useful functionality.

HYPERLINKS

No person or business may link, nor may any website be linked to any page on this site without prior written consent from IntegriSure.

Although hyperlinks are provided on the IntegriSure website, Self Service Portal and/or the IntegriSure App to webpages that do not form part of IntegriSure, such links do not imply any endorsement, agreement on, or support for the content of such other webpages by IntegriSure. IntegriSure is in no way responsible or liable for the content of, or access/lack of access to, such webpages not forming part of IntegriSure.

SECURITY

Any person who delivers or attempts to deliver any damaging/malicious software code to any IntegriSure online platform, e.g., to gain unauthorised access to any page, tamper with any of the content or pages or duplicate such pages or content, and/or any user that commits any cybercrime and/or related offence such as unauthorised access to, interception of or interference with data; computer-related extortion, fraud or forgery; including attempts, aiding and abetting of any of the aforementioned and more fully referred to in sections 85 to 88 of the Electronic Communications and Transactions Act 25 of 2002, will be prosecuted to the fullest extent of the law, and civil damages will be claimed should IntegriSure suffer any loss or damages as a result of such actions.

IntegriSure will take reasonable steps to ensure the security of the content of its online platforms (including information provided and collected from users). IntegriSure does, however, not make any representation or warranties that the content will be 100% secure.

IntegriSure has no legal obligation to encrypt content or communications, nor is there any legal obligation for IntegriSure to provide digital authentication for any content, communication and/or pages on its online platforms.

Users are prohibited from creating, distributing or using any program, instrument or device to breach the security measures on IntegriSure online platforms. IntegriSure will claim damages against all persons involved with any such breach or security failure.

UPDATING OF THESE TERMS AND CONDITIONS

IntegriSure reserves the right to update and/or modify, add to or remove from these terms and conditions at any time without notice. Changes will become effective upon being posted on the relevant online platform. It is the user’s obligation to stay up to date by periodically checking these terms and conditions.

TRADEMARKS, INTELLECTUAL PROPERTY RIGHTS AND USE OF DOMAIN NAME

All rights to our intellectual property are expressly reserved.

IntegriSure and IntegriSure Business are registered trademarks of the IntegriSure Group of Companies. All logos, domain names and brand names are likewise the exclusive property of IntegriSure and are protected from infringement by national and international legislation and treaties.

Unauthorised use, reproduction, or modification of the Trademark, in any form, for any purpose, including commercial use or distribution, without the prior written consent of IntegriSure, is strictly prohibited. Unauthorised use may result in legal action to protect the rights and integrity of our Trademark.

The content displayed on its online platforms is and remains the property of IntegriSure, its affiliates and/or subsidiaries or any other third-party owners of such content and, as such, is protected. Except as specified in these terms and conditions, the user is not granted a licence or any other right, without limitation, under copyright, trademarks, patents or other intellectual property rights in or to the content.

Third-party products and/or services: We do not have control over third-party products and/or services. Although the IntegriSure App, website and Self Service Portal may allow you to view, access or refer to third-party sites, products and/or services, no endorsements, recommendations and/or guarantees are given in this regard. We are therefore not liable for any loss and/or damage, either direct or contingent, resulting from your use of and/or reliance upon any third party through the IntegriSure App.

MARKETING

Advertised premiums are risk profile dependent and reviewed annually based on risk profile and other economic factors.

We take reasonable care in all our marketing to present up-to-date and relevant offers for you to consider and to help you form a realistic picture of typical insurance cover and insurance products available from us.

These insurance scenarios and offers are the product of our experience in the market and the insurance milieu we serve. However, understandably, all offers, as advertised, always remain tentative and subject to a client’s specific risk profile. Therefore, the ultimate final outcomes and offers may vary from the projected offers as advertised, based on each client’s unique risk and insurance needs criteria.

The best-effort offers advertised remain essentially illustrative and get fine-tuned only in consultation with you. We live and operate in a fast-changing, dynamic reality. Hence, it is understandable that products and quotes may also change from the marketing date to the moment you engage with us for a final product. Should it occur, we cannot accept liability for any damages occasioned by these changes.

COMPETITIONS

As a registered financial services provider, we are obliged to inform you that no competition, prize-draw or related initiative, hosted by IntegriSure is meant to influence your decision to either purchase any product or retain any product with us and neither must it be understood to so influence you in any manner. No staff member or service provider partners may enter our competitions. Any such entries will be disqualified. The judges’ decision will be final. In the event of a dispute, a senior official from IntegriSure shall review the matter and make a final decision. No entries after the closing date, if stipulated, will be accepted. Additional terms and conditions may apply. IntegriSure may amend these terms and conditions at any time at its sole discretion and without notice.

REFER A FRIEND COMPETITION

Receive a cash incentive up to R1 000 if the friend you’ve referred takes a policy through IntegriSure.

Please read these Terms and Conditions carefully. Participation in this promotion shall constitute your agreement to comply with these Terms and Conditions.

TERMS AND CONDITIONS

• This offer has been running from 1 December 2021 and will endure until such time that IntegriSure decides to discontinue the promotion at its discretion and without notice.
• You (the referrer) must have an active short-term personal lines insurance policy through IntegriSure.
• Your policy must be in good standing from the time that the referral was made until payment is received and without a break in cover.
• Only referrals submitted via the online IntegriSure Refer a Friend page will qualify for this promotion.
• Each referee may only be referred once. Should two people refer the same referee, the referrer that submitted it first shall qualify for the promotion.
• The following product offerings do not qualify for the promotion:
• Funeral Policies.
• Business Insurance Policies.
• Auto & General Policies.
• King Price Policies.
• Budget Insurance Policies.
• PawPaw Pet Insurance.
• There is no guarantee that a referee will accept a policy or that you will earn the cash incentive.
• Participation in this promotion should in no way affect your decision to keep your short-term personal lines insurance policy with IntegriSure. Always evaluate IntegriSure on the products and services it provides.
• Only in the event that all the terms and conditions for the promotion are met and the cash incentive is due shall IntegriSure communicate with the referrer. Other than communication that a referral has been successful and that 3 consecutive premiums were received, no communication will be given on the status of a referral. No communication will follow in the event of an unsuccessful referral.
• IntegriSure shall pay the cash incentive(s) 30 days after receiving 3 consecutive, non-returned and non-refunded monthly premiums from the referee, via EFT (Electronic Funds Transfer) into the bank account from which IntegriSure deducts the referrers monthly premiums. The referrer shall be paid a cash incentive equal to one month’s premium up to a maximum of R1 000 per successful referral.
• There is no limit to the number of referrals you may supply.
• In the event of a dispute, a senior official from IntegriSure shall review the matter and make a final decision.
• Employees of the IntegriSure Group of Companies are not eligible to participate in this promotion.
• IntegriSure may, at its sole discretion, amend these terms and conditions at any time without notice, and such amendments shall be deemed to have taken effect from the date of publication of the revised terms and conditions on IntegriSure’s website at https://www.integrisure.co.za/IS/Refer-a-friend.pdf.

By supplying IntegriSure with a referral, you consent to have received permission from the referee (data subject) to share their personal contact details with IntegriSure in accordance with the Protection of Personal Information Act, No 4 of 2013 (POPIA).