Terms of Use


All persons who access the IntegriSure website, Self Service Portal and the Integrisure App are bound by these terms and conditions, which are enforceable in terms of Sections 11(3) & 12 of the Electronic Communications and Transactions (Etc) Act 25 of 2002.

Users who do not agree to be bound by the terms and conditions of this website, Self Service Portal and the IntegriSure App, may not access, display, use, download and/or otherwise copy or distribute content obtained on the website, Self Service Portal and the Integrisure App.

  1. 1. Definitions and Interpretation

    1. “INTEGRISURE” refers to the IntegriSure Group of Companies comprising of IntegriSure Brokers (Pty) Ltd (FSP 14595), IntegriCom Brokers (Pty) Ltd (FSP 7247) and IS-Administrators (Pty) Ltd (FSP 7246).
    2. “THE INTEGRISURE WEBSITE” means the IntegriSure website located at www.integrisure.co.za.
    3. “SELF SERVICE PORTAL” means the IntegriSure Self Service client portal which can be accessed from the IntegriSure website.
    4. “THE INTEGRISURE APP” means the IntegriSure Mobile Application which can be downloaded from App Stores.
    5. “Personal Information” means Personal Information as defined in The Protection of Personal Information Act No. 4 of 2013 (“POPI”).
    6. “User” means any person that opens, enters and/or uses the IntegriSure website and/or the Self Service Portal and/or the IntegriSure App.
    7. “You” means any user of the IntegriSure App, including members of his/her family and other persons specifically authorised by him/her. An existing client (primary user) is responsible to specify the access level granted to each secondary user.
    8. In terms of section 11 of the ECT Act 25 of 2002, hyperlinks, copyright notices and legislation referred to in these terms and conditions are deemed to form a part hereof.
    9. Determination of the validity and interpretation of these terms and conditions shall not be affected by any non-operational hyperlink.
  2. 2. Hyperlinks

    1. No person, business or website may link to any page on this site without prior written consent from IntegriSure.
    2. 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.
    3. 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.
  3. 3. Disclaimer (Website)

    1. 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:
      1. Use of the IntegriSure website
      2. Inability to use the IntegriSure website
      3. Access or lack of access to the IntegriSure website
      4. Access or lack of access to websites linked to the IntegriSure website
      5. Services provided by the IntegriSure website
      6. Content or information provided on the IntegriSure website
      7. Downloads and/or use of content from the IntegriSure website
      8. Any other reason not directly related to IntegriSure’s gross negligence
    2. IntegriSure makes no express or implied representations or warranties that the content and service available from this website are free from errors or omissions, or that the service will be 100% uninterrupted and error-free. Users are encouraged to report any malfunctions and/or errors.
    3. This website is available to any user with access to the worldwide web to view ‘as is’, and has not been compiled or designed to meet each user’s individual requirements. IntegriSure will not be held responsible for any inconvenience, loss or damage that a user may suffer as a result of failure to meet such requirements. Users are encouraged to give feedback or comments on the site.
  4. 4. Disclaimer (E-mail)

    1. The information in or attached to e-mail messages from IntegriSure is confidential and only intended for the person or entity to which it is addressed. Furthermore, the information may be subject to legal privilege and client confidentiality. If you receive an e-mail from IntegriSure in error, please notify the sender by return e-mail, and delete the material from your computer system. Any review, retransmission, dissemination or other use of, or taking of any action reliant upon, this information by persons or entities other than the intended recipient is prohibited.
    2. IntegriSure cannot be held liable for any harm or loss resulting from malicious software code or viruses in e-mail messages or attachments, including data corruption resulting therefrom. 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.
  5. 5. Security

    1. Any person who delivers or attempts to deliver any damaging/malicious software code to the IntegriSure website, Self Service Portal and/or the IntegriSure App in order to gain unauthorised access to any page, tamper with any of the content or pages or duplicate such pages or content, will be prosecuted to the full extent of the law, and civil damages will be claimed should IntegriSure suffer any loss or damages as a result of such actions.
    2. IntegriSure will take reasonable steps to ensure the security of the content of the IntegriSure website, Self Service Portal and/or the IntegriSure App (including information provided and collected from users) from unauthorised access or disclosure. Although IntegriSure takes reasonable steps to ensure security, IntegriSure does not make any
      representation or warranties that the content will be 100% secure.
    3. IntegriSure has no legal obligation to encrypt any content or communications from and to the IntegriSure website, Self Service Portal and/or the IntegriSure App. Furthermore, there is no legal obligation for IntegriSure to provide digital authentication for any pages on the IntegriSure website, Self Service Portal and/or the IntegriSure App.
    4. Users are prohibited from creating, distributing or using any program, instrument or device to breach the security measures in place on the IntegriSure website, Self Service Portal and/or the IntegriSure App and IntegriSure will claim damages against any and all persons concerned with any such breach or security failure.
    5. Users will be liable for all consequential loss or damages incurred by IntegriSure (including its owners, directors, employees, suppliers, internet service providers, affiliates and agents) in the event that a user commits any offence referred to in sections 85 to 88 of the ECT Act 25 of 2002.
  6. 6. Governing Law

    1. South African law and the jurisdiction of the South African courts shall govern any action or claim that may arise from the use of, or inability to use the IntegriSure website, Self Service Portal and/or the IntegriSure App.
  7. 7. Whole Agreement and Severability

    1. These terms and conditions constitute the whole agreement between IntegriSure and the user, and no terms and conditions that are not expressly stated in this agreement may be implied by either party.
    2. No failure by IntegriSure to exercise or enforce any right or provision shall constitute a waiver of such right or provision.
    3. Term(s) and/or condition(s) on the IntegriSure website, Self Service Portal and/or the IntegriSure App shall be severable from the remaining term(s) and/or condition(s) in the event such term(s) and/or condition(s) are found to be unenforceable or invalid for any reason. The remaining terms and conditions shall remain enforceable and
  8. 8. Updating of These Terms and Conditions

    1. IntegriSure reserves the right to change, modify, add to or remove from portions or the whole of these terms and/or conditions at any time without notice. Changes to these terms and/or conditions will become effective upon such changes being posted on the IntegriSure website, Self Service Portal and/or the IntegriSure App.
    2. It is the user’s obligation to periodically check these terms and/or conditions on the IntegriSure website, Self Service Portal and/or the IntegriSure App for changes or updates.
    3. The user’s continued use of the IntegriSure website, Self Service Portal and/or the IntegriSure App following the posting of changes or updates will be considered notice of the user’s acceptance to abide and be bound by these terms and conditions, including such changes or updates.
  9. 9. PAIA – The Promotion Of Access To Information Act 2 Of 2000

    1. IntegriSure will provide information and documents by procedural request in accordance with the regulations and recommendations of the South African Human Rights Commission in respect of the promotion of access to information.
  10. 10. Intellectual Property Rights and Use of Domain Name

    1. Content currently on/or anticipated to be displayed on the IntegriSure website, Self Service Portal and/or the IntegriSure App is the property of IntegriSure, its affiliates and/or subsidiaries or any other, third-party owners of such content, and includes but is not limited to content, trademarks, domain names, patents, design elements, software, databases, text, graphics, icons and hyperlinks (“the content”) and, as
      such, is protected from infringement by domestic and international legislation and treaties.
    2. All rights to intellectual property on the IntegriSure website, Self Service Portal and/or the IntegriSure App are expressly reserved. Therefore, the content may only be used with the prior written permission of an authorised representative of IntegriSure.
    3. 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.
    4. No person, business or website may frame and/or hyperlink the IntegriSure website, Self Service Portal and/or the IntegriSure App or any of the pages in any way whatsoever without the prior written permission of an authorised representative of IntegriSure.
  11. 11. Mobile Application End-user Licence Agreement For The IntegriSure App

    1. The IntegriSure Group of Companies (‘we’) hereby grant you the licence/right to download, install and use the IntegriSure App for the sole purpose of accessing the services made available in this version of THE INTEGRISURE APP, on your own mobile device(s) and/or such devices under your control. All copyrights and intellectual property rights will remain ours. Use of logos, trademarks or any other intellectual property without our prior written consent is strictly prohibited. You may not copy, decompile, reverse-engineer, disassemble, attempt to derive the source code of, modify or create derivative versions of the IntegriSure App.
    2. Our relationship, more specifically your use of the IntegriSure App, will henceforth be regulated by these terms and conditions, read with the terms and conditions applicable to your policy and as amended from time to time. This binding agreement will come into force once you download the IntegriSure App and register with us as a user, and will remain in force until terminated by either you or us. Registration/activation is initiated when you press the ‘Register or log in’ button on your mobile device(s). Therefore, it is important that you carefully read these terms and conditions and ensure that you fully understand it. If it is not your intention to be bound by and adhere to these terms and conditions, kindly refrain from accepting it and downloading the IntegriSure App.
    3. Downloading the software for the IntegriSure App is free of charge. You, however, remain responsible for the costs and charges of your/the network and data service provider. You are also responsible to ensure that your mobile device(s) can download the IntegriSure App and future updates, and regularly check for and install updates. In this regard, kindly note that the IntegriSure App is designed to operate optimally with the most recent versions of Android and IOS. The functionality of the IntegriSure App using older versions cannot be guaranteed and such users may experience difficulties or have limited functionality.
    4. Also please be advised that when you use the IntegriSure App, we may periodically collect and use technical data and related usage information of and from the device(s) you use, for which you will be deemed to have granted us permission by accepting and downloading the software. In particular, please note that to enable optimum functionality of the IntegriSure App, it is best to have the location-based services (GPS setting) and push notifications on your device(s) turned ON. Further note that in providing our services, we may have to make use of, inter alia, mobile device(s) triangulation services to verify your location. This process necessitates that we provide your information and data to our third-party service providers to enable us/them to provide our services, for which you will also be deemed to have granted us permission by accepting and downloading the software. Please be advised that some services, particularly the 24/7 Telephonic Assistance services, are limited to within the borders of South Africa.
    5. Our right to terminate this agreement, the IntegriSure App or your right to use the app will not be exercised without reasonable notice to you, and will not affect services requested but not fully rendered before the termination of the agreement. Your rights under this agreement may however be terminated immediately and without notice if you fail to comply with any term(s) of this agreement, or if we are advised of any fact or reasonable suspicion pertaining to your use of the IntegriSure App that, in our discretion, amounts to abuse or places a legal duty upon us to act. Upon termination of the licence, you may no longer use the IntegriSure App and will have to remove it from your mobile device(s).
    6. For optimum service, we will need your most recent information. It remains your responsibility to regularly update your personal and contact details. Requests for changes made through the IntegriSure App will be updated on our system once we have received the notice and confirmed it with you verbally and/or in writing. Reasonable care will be taken that an updated schedule is sent to you through your preferred method of communication, although you remain responsible to check that you receive it.
    7. We reserve the right to monitor your usage of the IntegriSure App, specifically though not limited to the use of the services it offers. This is done to the extent permitted and/or prescribed by law, and to detect any unauthorised usage and/or abuse. We reserve the right to recoup costs (including our own and of third-party service providers) caused by unauthorised use and/or abuse of services. However, as we respect your privacy, any collection, storage, usage and/or sharing of your personal information will occur only as needed for meeting our obligations and standard of service to you, and as permitted/directed by law.
    8. Amendments and/or updates to or of the IntegriSure App may be released from time to time. In so far as this or any other reason may warrant amending this agreement, such amendments will be made electronically by way of notifying you of the updated version. It is your duty to review updates as they become available. Downloading an update constitutes your acceptance of the update, along with all the terms and conditions thereof. If the update is not downloaded within a reasonable time, this will be regarded as notice from you to terminate the agreement.
  12. 12. Disclaimer (Mobile Application: The IntegriSure App)

    1. Privacy and personal information: Although we take reasonable care to safely and securely store and/or guard against the loss or misappropriation of your personal information, we cannot provide an absolute guarantee as to the security of any personal information disclosed through the IntegriSure App. You are therefore advised of and will be deemed to have accepted the inherent risk of so disclosing personal information, and hereby indemnify us, including our directors, employees and/or agents, against any claim for loss that may arise from a breach of security. The duty to protect personal information ultimately rests with you, and you should therefore immediately advise us if you suspect a breach of security.
    2. Third-party products and/or services: We do not have control over third-party products and/or services. Although the IntegriSure App 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.
    3. Mobile device(s) and/or software: You are granted the licence/right to use the IntegriSure App on your mobile device(s) and/or mobile device(s) under your control. Should you sell or otherwise dispose of your mobile device(s), or no longer control such device(s), it is your duty to delete the IntegriSure App from the device(s) and have it installed on your new device(s). We are not liable for any loss or damage should you fail to do so. We are not liable for loss or damage caused by errors and/or delays should you be unable to access the services due to a fault on/in your mobile device(s) or software or by third-party service providers. We cannot and do not warrant that the services are compatible with your mobile device(s) and/or software. Although we take reasonable precautions against it, you hereby accept the inherent risk of viruses, malicious code and the like, which may inadvertently find their way onto your mobile device(s) through the IntegriSure App, and you indemnify us against any claims for loss and/or damage that may result from it. Please note that although device(s) such as tablets are able to use the IntegriSure App, the phone functionality would not be available in such instances. Phone services requested via such device(s) will be linked to the registered mobile number.
    4. Although we take reasonable care, use of the IntegriSure App occurs at your own risk. The IntegriSure App and its services are provided on a best-endeavours basis and we may in our sole discretion suspend or terminate the operation of the app or services provided in terms thereof, without prior notice. We may also from time to time discontinue or disable parts of the services for routine maintenance, upgrades and/or reasons/causes beyond our control. Interruptions in service(s) for maintenance will typically occur once a month for up to a maximum of 48 hours.
    5. Understandably, despite our best efforts, a certain time lapse may occur between requests for service(s) through the IntegriSure App and the confirmation of, for instance, insurance cover or the engagement of other service(s). We are not liable for loss or damage that may be caused by such time lapse.
  13. 13. Marketing (Mobile Application: The IntegriSure App)

    1. By accepting these terms and conditions, you agree we may provide you with information about our services and/or products, promotional material and our newsletter through the IntegriSure App via push notifications, SMS, USSD service and by e-mail.
  14. 14. Marketing

    1. All offers as advertised are subject to a client’s risk profile, and outcomes may vary based on each client’s unique criteria.
  15. 15. Competitions

    1. 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 our service provider partners may enter any of 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.
  16. 16. Proprietary Information

    1. IntegriSure is a trademark of INTEGRISURE BROKERS (PROPRIETARY) LIMITED, Registration no. 2000/003495/07 DIRECTORS S Geyser | B Taylor | M van der Linde |  K Cilliers | P Hiemstra | An authorised financial services provider (Licence no. 14595)
    2. IntegriSure Admin is a trademark of IS-ADMINISTRATORS (PROPRIETARY) LIMITED, Registration no. 2002/018969/07 DIRECTORS S Geyser | B Taylor | M van der Linde |  K Cilliers | P Hiemstra | An authorised financial services provider (Licence no. 7246)
    3. IntegriSure Business is a trademark of INTEGRICOM BROKERS (PROPRIETARY) LIMITED, Registration no. 2001/021496/07 DIRECTORS S Geyser | B Taylor | M van der Linde |  K Cilliers | P Hiemstra | An authorised financial services provider (Licence no. 7247)