# Terms and Conditions 

**Last Updated:** March  2024 

 

## Privacy Policy 

 

### 1. INTRODUCTION 

 

www.coverfinder.co.za (“we, us, our”) is an online insurance comparison site (“the Website”) that allows users (“you, your”) to voluntarily enter their contact information on a single platform, enabling various insurance companies to contact them. We have partnerships with a variety of insurers and may submit your details to different insurance companies or brokers. 

 

These terms and conditions of use (“Terms”) govern access to and use of the Website and any profile created by you as a result of your use of the Website. 

 

Please note that these Terms are valid, binding, and enforceable against all persons accessing and/or using this Website. 

 

By using any part of the Website or by clicking a box indicating your acceptance of these Terms, you agree to comply with them. If you do not agree to these Terms, you may not use the Website. 

 

We reserve the right, at our sole discretion, to amend and/or replace any part of these Terms. Such amendments will supersede and replace any previous Terms and will be made available on the Website. Each time you access the Website, you consent to the Terms as amended and/or replaced by us from time to time. 

 

In the event of a dispute regarding the content of the Terms at any time, a certificate signed by the administrator responsible for maintaining the Website shall serve as prima facie proof of the date of publication and content of the current version and all previous versions of the Terms. 

 

These Terms represent the entire understanding and agreement between you and us with respect to the subject matter herein. 

 

You are not entitled to cede, assign, or delegate your rights and/or obligations under these Terms to any third party without our prior written consent. 

 

If any provision of these Terms is deemed illegal, invalid, or unenforceable for any reason, that provision will be removed, and the remaining provisions will be enforced. 

 

Our failure to act regarding a breach by you or others does not constitute a waiver of our right to act in response to subsequent or similar breaches. 

 

The expiration or termination of these Terms shall not affect the provisions that expressly state they will continue to operate after any expiration or termination. 

 

### 1.1 Bureau Data Access 

 

By accepting these Terms, you consent to us requesting your full credit information from a registered credit bureau and instructing the credit bureau to release this information to us to determine your eligibility for offers of goods and services. 

No live calls will be made to the credit bureau, and therefore no footprint will impact your credit score. 

 

### 1.2 Subscription to Our Services 

 

By voluntarily subscribing to our services by submitting information via our online form, you request and agree that we send your information to our partners, who will contact you with obligation-free quotes for the specific product you have requested. We offer these services across various websites partnered with the Website. 

 

Through your voluntary use of our services, you further authorize us to use your submitted information for future marketing of other products on the Website or any partner websites we may have. We will only use this information for our marketing purposes, ensuring your privacy is protected to the best of our ability at all times. 

 

You agree to provide, maintain, and update true, accurate, current, and complete information about yourself as prompted by the Website upon registration and the creation of a customer profile. 

 

### 1.3 Electronic Communications 

 

When you visit the Website or send emails to us, you are communicating with us electronically. Your use of the Website signifies your consent to receive communications from us electronically, allowing us to communicate with you via email or by posting notices on the Website. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing. 

 

## 2. LIMITATION OF OUR LIABILITY AND USE OF OUR WEBSITE 

 

### 2.1 Use of Website 

 

You may only use the Website to browse content and voluntarily enter legitimate information. You shall not use the Website for any other purposes, including entering false or fraudulent information. You may only use the Website if you are an adult (over 18 years of age); minors are prohibited from using the Website. The Website and its content may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed. Deep-linking, embedding, or using analogous technology is strictly prohibited. Unauthorized use of the Website and/or its materials may violate applicable copyright, trademark, or other intellectual property laws. 

 

You may not, yourself or through a third party: 

 

- Use the Website for harmful, unlawful, or illegal purposes, including impersonating any other person or using a false or unauthorized name. 

- Collect, harvest, or obtain Personal Information, as defined in POPI, from other users. 

- Create, store, or send unsolicited commercial communications, or engage in fraudulent activity. 

- Use any customer profile to advertise or promote products or services. 

- Copy (other than for backup or recovery), reproduce, translate, adapt, modify, distribute, lease, license, sublicense, or deal with any portion of the Website without our prior written consent. 

- Decompile, disassemble, or reverse engineer any portion of the Website. 

- Collect service listings, descriptions, or other information displayed on the Website. 

- Develop any derivative of the Website or other software based on the Website. 

- Modify or enhance the Website. Any unauthorized modifications will vest exclusively in us. 

- Provide, disclose, or make available the Website to any third party without our prior written consent. 

- Remove any identification, trademark, copyright, or other notices from the Website. 

- Establish hyperlinks, frames, metatags, or similar references to the Website. 

- Use the Website to transfer files containing harmful programs. 

 

### 2.2 Our Rights 

 

We may: 

 

- Modify or withdraw the Website (or any part thereof) temporarily or permanently, with or without notice to you. 

- Change these Terms from time to time with or without notice. Your continued use of the Website following such changes will be deemed your acceptance of the modified Terms. 

 

We will use reasonable endeavors to maintain the Website, but you will not be eligible for compensation if your use of the Website is affected by circumstances beyond our control. 

 

### 2.3 Cookie Tracking 

 

The Website may use cookies and tracking technology from time to time, depending on the features offered. Cookies help gather information such as browser type, operating system, number of visitors, and usage patterns. Personal information cannot be collected via cookies unless you previously provided it; cookies may be linked to such information. By registering with us, you consent to share this information with third parties. 

 

### 2.4 Third Party Links 

 

To provide increased value to our users, we may link to other websites or resources. You acknowledge that we are not responsible for the availability of such external sites and do not endorse or are liable for the privacy practices or content of those sites. Any reference to a linked site or specific third-party product does not imply endorsement by us, and you assume all risks associated with their use. 

 

### 2.5 Monitoring and Security 

 

We reserve the right to monitor any activity and content associated with the Website. We may investigate any reported violations of these Terms and take appropriate action, which may include warnings, suspension, termination, or removal of materials from the Website. 

 

While we have taken reasonable measures to ensure the integrity of the Website, we do not guarantee that any files, downloads, or applications available are free of harmful components. We do not monitor user-uploaded content on discussion forums or blogs. 

 

You acknowledge that information transmitted via the Internet may be susceptible to monitoring and interception. Accordingly, you are discouraged from transmitting confidential information to the Website and bear all risks associated with such transmission. 

 

We reserve the right to take necessary actions to preserve the security, integrity, and reliability of our network and back-office applications. You may not use the Website in any manner that compromises its security, including delivering or attempting to deliver unauthorized or harmful code. These Terms will be governed by the laws of South Africa, whose courts will have exclusive jurisdiction over any disputes. 

 

You must comply with all applicable laws regarding your access to and use of the Website, your customer profile, and any content you post. 

 

The Website is operated from our offices within the Republic of South Africa. We make no representations that the content is appropriate for use outside of South Africa. Access to the Website from locations where the content is illegal is prohibited. If you access this Website from outside South Africa, you are responsible for compliance with local laws. 

 

## 3. INTELLECTUAL PROPERTY 

 

All content on the Website, including text, graphics, logos, and software, is our property or that of our content suppliers and is protected by South African and international intellectual property laws. 

 

The compilation of all content is our exclusive property and is protected by copyright law. All software used on the Website is our property or that of our suppliers and is protected by copyright law. 

 

The trademarks displayed on the Website belong to us. Nothing on the Website grants you any license or right to use any trademark without our prior written permission. All rights to the content and trademarks are reserved by us and/or our content suppliers. 

 

You acknowledge that we and/or our content suppliers own all content and trademarks on the Website, and you hold no rights to such material. 

 

Sure! Here’s the revised version with the company name changed to "Cover Finder SA":

 

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**4. 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 COVER FINDER SA, 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 SHALL COVER FINDER SA, OUR DIRECTORS, EMPLOYEES, OFFICERS, OR OUR SUPPLIERS 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).

 

You hereby unconditionally and irrevocably indemnify Cover Finder SA, our affiliated companies, its officers, agents, directors, and employees, and agree to hold us free from all loss, damages, claims, and/or costs of whatsoever nature suffered or incurred by us or instituted against us for infringement of any right, whether the claim or action arises from delict or contract, or any infringement of whatsoever nature, arising out of or pursuant to the exercise by you of your rights or the fulfillment or breach by you of any of your obligations under these Terms or any other requirements that we may impose from time to time, including, without limitation, all loss, damages, claims, and/or costs suffered or incurred by us or instituted against us as a direct or indirect result of your use of the Website, and such indemnity shall extend to the reasonable costs that may be incurred by us in defending any action instituted against us.

 

Your use of the Website and/or your customer profile is entirely at your own risk, and you assume full responsibility and risk of loss resulting from the use thereof. We do not accept liability that may arise in connection with the uploading, reproduction, display, use, distribution, or sharing by you of your customer profile.

 

We, our affiliates, shareholders, directors, agents, consultants, or employees shall not be liable for any damages whatsoever, including without limitation any direct, indirect, special, incidental, consequential, or punitive damages, howsoever arising (whether in an action arising out of contract, statute, delict, or otherwise) related to the access to and/or use of, or the inability to access or use, the Website, any personalised item, and/or any linked website, the content thereof, any functionality thereof, or information contained therein, even if we know or should reasonably have known or are expressly advised thereof.

 

**5. GENERAL**

 

5.1 **License** - 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.

 

5.2 **Terms and Policy Updates** - Please note it is your responsibility to check the Website regularly to determine whether any changes have been made to the Terms, and your continued use of the Website will be deemed your acceptance of the Terms.

 

5.3 **Submission of Personal Information** - Through the use of the Website, you acknowledge and agree that you submit all and/or any of your personal information willingly on our Website for the use of such information by us as provided for in accordance with these Terms.

 

5.4 **Copyright** - 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.

 

5.5 **Framing** - 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 Cover Finder  and our affiliates without our prior written consent.

 

5.6 **Notice** - Except as explicitly stated otherwise, any notices shall be sent by you by way of email to info@coverfinder.co.za. Notwithstanding anything to the contrary, a written notice or communication actually received by a party shall be an adequate written notice or communication to it, notwithstanding that it was not sent to or delivered at its chosen address/es for that purpose. You hereby agree that we shall use the email address provided by you as your address to receive all information, notices, documents, and legal process.

 

Notice shall be deemed given 48 (forty-eight) hours after the email is sent, unless the sending party is notified that the email address is invalid.

 

You acknowledge that all agreements, notices, or other communication required to be given in terms of the law or these Terms may be given via electronic means and that such communications shall be “in writing”.