Terms of Use (General, Email & SMS)

By using the Sanla Corporation website these terms of use (“Terms of Use”) apply to you, and you agree to comply with these Terms of Use. Please read these Terms of Use before using the Sanla Corporation website.

Important information

The Sanla Corporation Group is one of South Africa’s leading financial services groups and includes Sanla Corporation Limited and all its subsidiaries and associated or affiliated companies.

The Terms of Use set out below apply to this and all other websites owned, operated, or sponsored by any member of the Sanla Corporation Group – unless such other website specifically provides otherwise.

Please check the website regularly for changes to the Terms of Use. The Terms of Use may change from time to time and the terms displayed at the time that you use the website will govern your use of the website. Please address any comments or inaccuracies contained on the website to Sanla Corporation Client Relations at insure@sanlacorp.com

Nature of website contents

Information contained on the website is intended to serve as general information on the chosen subjects and not as an exhaustive treatment of those subjects.

Calculations which may be displayed on the website are intended for the convenience of clients, may be approximations, and are intended only as guidelines. Should you wish to rely on any calculation you are advised to check the calculations before using them as Sanla Corporation will not be liable for any inaccuracy in the calculation.

Subscribing to any service or buying any product through the website is subject to Sanla Corporation’s contractual terms and conditions, and applicable legislation.

Links to third party websites are provided for convenience only and may be discontinued at any time. The fact that Sanla Corporation provides a link to a third-party website does not necessarily mean that Sanla Corporation endorses, authorises, or sponsors that website, or that Sanla Corporation is affiliated to such website’s owners or sponsors.

If any third-party website, which is not under the direct control of Sanla Corporation, can be accessed from a link displayed on the Sanla Corporation website, Sanla Corporation shall not be responsible or liable for any content displayed on the third-party website.

The content or information displayed on a Sanla Corporation website or any third-party website which may be accessed through links provided on the Sanla Corporation website is not intended as advice but merely as information. Before making any decision or taking any action based on any information displayed on the Sanla Corporation website or any such third-party website that may affect your personal finances or business, it is recommended that you first obtain appropriate professional advice.

Visitors from foreign countries

Use of the Sanla Corporation website or the purchase of services or products from the country from which you may access the website may be illegal in that country. Your use of the website for any purchase that you may make is entirely at your own risk. It is recommended that you ensure that use of the Sanla Corporation website for any purchases made by you are not in violation of the laws of any country by which you may be governed.

Sanla Corporation’s services and products may not be available in your country. Contact Sanla Corporation or your local financial or legal adviser to find out whether, and if so which of, Sanla Corporation’s services and products may be available to you.

Invitation to do business

Unless indicated in writing by Sanla Corporation, nothing on the Sanla Corporation website shall constitute an offer for sale of any service or product.

The information provided on the Sanla Corporation website is not, nor must you regard it as financial or investment advice.

If you wish to use the information displayed on the website to purchase any service or product or procure financial or investment advice from Sanla Corporation, your request to do so shall be regarded by Sanla Corporation as an offer to do business with Sanla Corporation, which may be accepted by Sanla Corporation if it chooses.

The acceptance of your offer will be subject to terms and conditions governing the service, product, or advice at the time of the acceptance of the offer.

The responsibility for ensuring compliance with any laws or regulations which may apply to you, remain exclusively yours and in making an offer you are deemed to have indemnified Sanla Corporation (held Sanla Corporation harmless and agree to reimburse Sanla Corporation) against any loss or damage that it may suffer arising from your contravening any laws applicable to you.

No warranties

While Sanla Corporation will take care to provide accurate information on the Sanla Corporation website, the information displayed on the Sanla Corporation website is provided without any express or implied warranty (guarantee that the information is correct) of any kind whatsoever. In particular, Sanla Corporation does not warrant that it is appropriate or suitable for any particular purpose, that it is complete or accurate, or that it or any hardware on which it is stored is virus-free or free of any other malicious or destructive properties.

Restricted use

Unless otherwise indicated in writing, all information, products, and services displayed on or accessed through the Sanla Corporation website are for your personal and non-commercial use only. You may not –

- Reproduce, modify, or create derivative works from; publish, distribute, transmit, or display; or license or transfer any of the content displayed on the website – unless you have Sanla Corporation’s prior written authorisation;
- Decompile, reverse engineer, or disassemble the website, a linked website, or any software employed in the display or operation of the website;
- Post on or transmit to the website content of an unlawful nature, for example: (a) content that is threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane; or (b) content that could damage Sanla Corporation’s image or impair its ability to do business;
- Use the website in a manner that could damage, disable, overburden, or impair any Sanla Corporation server (computer), or network connected to any Sanla Corporation server, or interfere with any other party’s use of the Sanla Corporation website;
- Interfere with any content displayed on the Sanla Corporation website or attempt or gain unauthorised access (without Sanla Corporation’s written consent) to the information displayed on the website to which you may not be authorised, or to any secure area on the website, a Sanla Corporation server or any other part of the Sanla Corporation information system. Any attempt, whether successful or unsuccessful, to interfere with the information displayed on the Sanla Corporation website or to gain access to information or any part of the Sanla Corporation information system to which you are not authorized, is unlawful and is an offence in terms of the provisions of Section 86 of the Electronic Communications and Transactions Act No. 25 of 2002, for which you may be prosecuted and, if found guilty, punished.
- Create a link from another website to the Sanla Corporation website, or any of the web pages which constitute the Sanla Corporation website, without Sanla Corporation’s prior written consent;
- Frame the website or any of its pages without Sanla Corporation’s prior written consent.
Electronic transactions, communications, and records

When you communicate with Sanla Corporation by electronic communication provided or as may be directed on the website, you consent to receiving responses to your communications by electronic communication addressed to you by Sanla Corporation. You thereby agree that all electronic agreements, notices, disclosures, and other communications sent by Sanla Corporation satisfy any legal requirement that such communications should be in writing.

You accept the risks inherent in such electronic communication in whatever form.

You consent to Sanla Corporation acting on the information communicated to Sanla Corporation electronically. You are responsible to ensure that Sanla Corporation has received the information communicated electronically.

You acknowledge and consent that Sanla Corporation, in its discretion, may retain and store your electronic communications as may be lawfully required. You agree that the electronic records stored by Sanla Corporation will constitute rebuttable proof (it may be challenged) of the content of the records.

Any email communication sent to you will be regarded to have been received by you when it enters an information system outside of the control of Sanla Corporation.

User ID and password

If you subscribe to a service or product provided on the Sanla Corporation website, you may be required to choose a user id (an identifying name) and a password. You are entirely responsible for –

- Maintaining the confidentiality of your password (you must not give the password to anyone else);
- All activities that occur in your account (using your user id and, if required, your password), either with or without your knowledge;
- Notifying Sanla Corporation immediately of any unauthorised use (use that you did not consent to) of your user id and/or password or any other breach of security that you know of;
- For losses suffered by Sanla Corporation or a third party due to someone other than you using your user id and/or password.
Mobile access and use

You may access the Sanla Corporation website using a mobile device (including a mobile telephone).

The Terms of Use apply with equal force and effect regardless of the manner of your access and browsing of the Sanla Corporation website.

The Sanla Corporation website is designed and configured for use by Internet browsers which are typically used on computers and not mobile devices. Sanla Corporation is not responsible for the wireless services used by mobile devices and disclaims any responsibility for the lack of functionality or capability or reliability of any mobile device or software used to access the Sanla Corporation website.

While the use of the Sanla Corporation website is free of charge, you will be responsible for any fees which may be charged by your service provider which may be associated with your browsing of the Sanla Corporation website.

Sanla Corporation is also not responsible for the communication of any person or confidential information between you and the Sanla Corporation website, or any electronic communications mechanisms facilitated by the Sanla Corporation website and disclaims any liability for deficiencies in privacy or security of any communications made or received between the mobile device and the Sanla Corporation website.

The functionality and use of your mobile device is outside of the control of Sanla Corporation and Sanla Corporation will not be responsible for interference with the integrity, transmission, delays, limitation of network coverage, outages or interruption in the services supplied supporting the mobile device.

Secure payment system

If any payments are to be made by you to Sanla Corporation, you will be required to use a payment system authorised (consented to in writing) by Sanla Corporation. Sanla Corporation shall only use a payment system that is sufficiently secure considering the nature of the payment to be made and the risk inherent in making the payment electronically. Sanla Corporation accepts liability for any direct damages that may be suffered to you due to a failure in a payment system authorised by Sanla Corporation.

Privacy Notice

Your privacy is important to Sanla Corporation. Personal information transmitted to Sanla Corporation will be treated in accordance with Sanla Corporation’s Privacy Notice.

No liability

Sanla Corporation shall not be responsible for any loss incurred or damages suffered (whether direct, indirect, special, or consequential) to you or any third party that may be attributable, directly or indirectly, to the use of, or reliance upon, any content displayed on the Sanla Corporation website by you.

Except as provided in section 9, Sanla Corporation will not be responsible for any interruption, delayed or failed transmission, loss of programs or other data, or the storage or delivery of information resulting from whatever cause.

Warranties provided by you

For all purposes, and in particular for purposes of 6 above, you warrant (confirm) that –

- Your identity (that is, you are who you say you are), and that you can prove your identity should Sanla Corporation require you to do so;
- That all information you provide at any time to Sanla Corporation using the Sanla Corporation website, in writing, or to Sanla Corporation Call Centre staff, will in all respects be current, complete, and accurate;
- That you will provide to Sanla Corporation all material and relevant facts required by Sanla Corporation as may be appropriate to any dealings you have with Sanla Corporation. If you do not provide the information, or provide information that is incorrect, Sanla Corporation may, at its choice, cancel the agreement or transaction arising from your dealings with Sanla Corporation.
Intellectual property rights

The website and all its content (including but not limited to, software, text, graphics, icons, hyperlinks, private information, domain names, website addresses and designs) are owned by or licensed to Sanla Corporation and are protected by copyright and other intellectual property laws. The copyright in all material vesting in Sanla Corporation published on the website shall continue to vest in Sanla Corporation or its licensor. Sanla Corporation or its licensor is the proprietor of all patents, service marks, logos, trade names and business names used on the website.

As the intellectual property rights in the content referred to immediately above are protected against infringement by local and international legislation and treaties, it may not be used in any way without Sanla Corporation or the licensor’s prior written consent.

Breach

Sanla Corporation reserves the right to –

- Refuse you further access to the website if (a) you breach any of the terms of use applicable from time to time; (b) Sanla Corporation is unable to verify or authenticate any information you provide to it;
- or (c) Sanla Corporation believes that you are conducting activities that are illegal, abusive, threaten the integrity of the website, or may place Sanla Corporation in disrepute;
- Refer any breach to the police if such breach constitutes a crime;
- Claim damages for all loss and damage it suffers, and expenses it incurs, as a result of your breach.
Indemnity

You agree to indemnify and hold harmless Sanla Corporation, any member of the Sanla Corporation Group and its respective directors, officers, employees, agents, licensors, suppliers, and any third-party information providers from and against all losses and expenses (including attorney-and own client costs), resulting from any failure to adhere to these Terms of Use by you.

Jurisdiction and applicable law

Your use of the Sanla Corporation website will for all purposes relating to its use, constitute your consent and submission to the exclusive jurisdiction of the High Court of South Africa, (Western Cape Division, Cape Town).

Any claim arising from –

- The use or inability to use the website; and/or
- An application for, and the rendering of a service or providing of a product;

is subject to the laws of the Republic of South Africa – in respect of both the basis of the claim contract, delict (tort), or any other, and the law relating to procedure and evidence.

All proceedings will be held in English and the unsuccessful party will be liable to pay all costs incurred by the successful party, including costs as between attorney and own client.

Sanla Corporation’s Consent

To obtain Sanla Corporation’s consent as provided for in these Terms of Use, please address the request to insure@sanlacorp.com.

Email Terms of Use

By using the Sanla Corporation email services, you agree that these email terms of use (“Terms of Use”) apply to you and you will comply with these Terms of Use. Please read these Terms of Use before using the Sanla Corporation email services.

The content of an email – which may include one or more attachments – is strictly confidential and is intended solely for the use of the named recipient(s). If you’ve received this email in error, you’re not permitted to disclose, distribute or retain it – you’re requested to notify the sender immediately by return email and then delete it from your system or device. You may not copy or disclose the content of an email to any other person, without Sanla Corporation’s written consent.

Email isn’t necessarily secure or error-free; information could arrive late or contain viruses, or be incomplete, intercepted, corrupted, lost, or destroyed. It’s the responsibility of the named recipient(s) to ensure that emails are virus-free. Sanla Corporation does not accept any liability for damage caused by any virus or other malware transmitted by this email.

No employee, contractor, or intermediary is authorised to conclude an agreement on behalf of any member of the Sanla Corporation Group by email, without express written confirmation by a duly authorised representative of that member.

The use or content of email is intended for the Sanla Corporation Group’s business. If it’s used for any other purpose, the views expressed are those of the sender and no liability will attach to any member of the Sanla Corporation Group.

The information contained in an email or any attachment is intended to serve as general information on the chosen subjects and not as an exhaustive treatment of those subjects nor intended to provide nor does it constitute financial, tax, legal, investment, or other advice. Your use of the Sanla Corporation email services is at your own risk and you accept responsibility for any actions and consequences that arise from such use.

Sanla Corporation does not provide any warranty of any kind, expressed or implied regarding the information, the suitability of any products or services mentioned or any aspect of any service provided in an email.

The Sanla Corporation Group reserves the right to monitor, access, intercept or block emails addressed to all Sanla Corporation Group addressees, in accordance with our email policy, as it applies from time to time.

Notwithstanding the Electronic Communications and Transactions Act, 2002 (“ECTA”), an email does not constitute a binding agreement, unless the terms thereof has been recorded in a duly executed document, signed by the parties. For the purposes of this disclaimer, notwithstanding the ECTA, “signed” shall mean a signature executed by hand on paper containing the document, or typing your name in the space provided on the Sanla Corporation Group’s e-signing system containing the document, or an advanced electronic signature, as defined in the ECTA, applied to the document by the signatories.

Sanla Corporation reserves the right to amend these Terms of Use at any time without notice. If you use the email services after the Terms of Use have been amended, the updated Terms of Use, available on the Sanla Corporation website, will be considered as accepted by you and binding on you.

The email and any attachments shall be governed by and construed in accordance with the laws of the Republic of South Africa.

SMS Terms of Use

Important notes

Please note the terms of use (“Terms of Use”) set out below. They are binding for all SMS’s.

Please check this web page regularly for changes. The Terms of Use may change from time to time and without notice. The changed Terms of Use shall be binding on you effective immediately on the date of posting on the Sanla Corporation website.

Please address disputes and complaints arising from the use of SMSs to the Sanla Corporation Client Protection & Compliance department at insure@sanlacorp.com

Please read the Terms of Use carefully before using the Sanla Corporation SMS services.

The information appearing in an SMS relating to a member of the Sanla Corporation Group is owned by the relevant member and is protected by copyrights and other intellectual property laws. Without detracting from the above, Sanla Corporation hereby authorises you to use the content in the SMS for your personal and non-commercial use only. All rights not expressly granted are reserved.

Privacy Notice

Your privacy is important to us.

Always ensure that we have your latest cell phone number, and alert us immediately if your cell phone has been lost or stolen.

Personal information sent to us will be treated in accordance with our Privacy Notice.

Disclaimer

Sanla Corporation will in no event be responsible for any direct, indirect, special or consequential loss or expense that may be attributable, directly or indirectly, to the use of SMSs.

Sanla Corporation will not be responsible for any interruption, delayed or failed transmission, loss of data, storage or delivery of information resulting from any cause.

All the information sent by us via SMS is provided without any representation or warranty whatsoever, whether express or implied. In particular, Sanla Corporation makes no representation or warranties about the correctness of any information contained, the suitability of any products or services mentioned or the soundness of any general information contained in a SMS.

In the event of SMSs sent by a member of the Sanla Corporation Group on behalf of its client(s), such relevant member accepts no obligation to verify the correctness of any information received from the clients and contained in such SMSs, and disclaims liability for any errors.

Applicable law

The use of, and information appearing in SMSs is governed and interpreted in accordance with the laws of the Republic of South Africa.

Intellectual property rights

The copyright in all material vesting in Sanla Corporation contained in SMSs shall continue to vest in Sanla Corporation or its licensor. Sanla Corporation or its licensor is the proprietor of all patents, service marks, logos, trade names and business names displayed on the SMS. Nothing on any SMS should be construed as granting (by implication, estoppel, or otherwise) any license or right to use any intellectual property rights envisaged without our prior written permission. You may not use the name of Sanla Corporation or our logo in any way without our prior written permission.

Breach

Sanla Corporation reserves the right to refuse to provide any SMS service if: (a) you breach any of these Terms of Use; (b) we’re unable to verify or authenticate any information you provide to us; or (c) we believe that you’re conducting activities that are illegal or abusive, or put Sanla Corporation in disrepute.

Indemnity

You agree to indemnify and hold harmless any member of the Sanla Corporation Group – and our respective directors, officers, employees, agents, licensors, suppliers and any third-party information providers – from and against all losses and expenses (including attorney and own client costs), resulting from you violating any of these Terms of Use.

Important information

Sanla Corporation Online Secure Services Terms of Use

General

1.1. Sanla Corporation Online Secure Services (hereafter also referred to as “the Service”) is a free service provided by Sanla Corporation Life Insurance Limited (“Sanla Corporation”) that, after successful registration, allows you access to your product portfolio, tax certificates, statements, and other services, as well as transacting, where relevant, for participating Sanla Corporation Group businesses.

1.2. Participating Sanla Corporation Group businesses include certain entities and businesses from the Sanla Corporation Group (consisting of Sanla Corporation Limited and its direct and indirect subsidiaries and associates), including but not limited to:

1.3. Please make sure that you understand these terms of use (“Terms of Use”) as they constitute a binding agreement between you and Sanla Corporation.

These Terms of Use

2.1. apply to users of the Sanla Corporation Online Secure Services as described,

2.2. apply along with any other applicable terms and conditions that govern your products and services with Sanla Corporation or any other Sanla Corporation Group entity, as applicable.

2.3. become effective when you access the service for the first time, and

2.4. constitute a binding agreement between you and Sanla Corporation.

How does Sanla Corporation make these Terms of Use available to you?

3.1. These Terms of Use for Sanla Corporation Online Secure Services are available on our website and as links on individual pages.

3.2. Sanla Corporation may amend these Terms of Use from time to time. Should this happen, you will be required to accept the amended Terms of Use before continuing use of the Service.

3.3. You cannot use the Sanla Corporation Online Secure Services without accepting the latest Terms of Use.

Legal Entities

4.1. For the purposes of these Terms of Use, Sanla Corporation is defined as Sanla Corporation Life Insurance Limited as well as, where relevant, its participating Sanla Corporation Group Businesses ( as defined above).

Registration to use the Service

5.1. To register, you need an identification/passport number, a cellphone number and a unique email address.

5.2. Valid users include individuals acting on their own behalf, proxies (individuals acting on behalf of other individuals) and authorised representatives ( Individuals acting on behalf of juristic entities).

5.3. You may not use false information or impersonate any person or entity during the registration process.

5.4. You agree that Sanla Corporation may verify your cell phone number and/ or email address used during registration, with your mobile network provider.

Requirements to access the Service

6.1. To access the Service, you need a computer, cellular phone or other device (e.g. an iPad or Tablet) with Internet connectivity and the necessary operating system and capability to run the service.

6.2. You need to have a cellphone number and email address.

6.3. You are responsible for buying, installing and maintaining your connection to the Internet and must pay all related costs and fees.

6.4. If you access the service via a cell phone you need access to a cell phone and a SIM card.

6.5. You are responsible to buy your own cell phone and SIM card and register with a mobile network provider.

6.6. You are responsible to keep your devices safe by updating to the latest versions of operating and security software and by running reputable antivirus software.

6.7. You are not allowed to intentionally disable the security mechanisms on any computer, cell phone or other device used to access the Service, with the aim to install unauthorised software, modify system or data files or preferences, or to bypass specific security features.

How does the Service work?

By accessing this Service, you agree to the following:

7.1. In order to deliver the service, Sanla Corporation uses information you provide to identify your products and deliver a combined portfolio view across various Sanla Corporation Group business – which list can change from time to time.

7.2. As you purchase additional products or services your portfolio summary automatically expands to include these.

7.3. Sanla Corporation uses your information and online activity in an aggregated manner to continuously develop and improve the Service.

7.4. Once you have successfully logged in, and depending on the products in your portfolio, you may be allowed to access other relevant Sanla Corporation sites without logging in again.

7.5. The Service makes use of certain cookies in order to provide the Service. Cookies are text files containing small amounts of information, which your computer or mobile device downloads when you visit the Sanla Corporation website. Cookies help us to understand how the Sanla Corporation website is used, let you navigate between pages and generally improve your browsing experience. Some cookies are essential for the functioning of the service and others help with the performance and design of the Service. Other cookies help us understand your interests as you browse the internet, so we can tailor and render to you more personalised content and services in the future. If you do not want to receive a cookie from the Service, you have the option of setting your browser to notify you when you receive a cookie, so that you may determine whether to accept it or not. However, please be aware that if you do turn off ‘cookies’ in your browser, you will not be able to fully experience some of the features of the Service.

7.6. One Time Pin (OTP) verification may be required for enhanced security.

Transacting

8.1. You authorise Sanla Corporation to execute any transactions or instructions initiated through the Service.

8.2. The normal transaction rules and requirements apply for instructions initiated through the Service. Should you be required to provide additional documentation, Sanla Corporation will contact you directly.

8.3. Although the Service is deemed to be available 24/7, the normal daily transaction cut-off times and rules apply.

8.4. Due to time delays and pending transactions, product information presented may vary from the administration platforms. Should this be the case when your online instruction is received by Sanla Corporation, you will be contacted to provide an alternative.

Allowing a person to act on your behalf.

9.1. You can allow another person to act on your behalf (as a “Proxy”) by completing the required registration process.

9.2. Sanla Corporation will act on all authorised instructions received from the Proxy as if they were from yourself.

9.3. This authorisation only applies to the Service and does not apply when you engage with Sanla Corporation through other servicing channels.

Availability

10.1. We aim to make the Service available seven days a week, 24 hours a day. It may however be unavailable from time to time due to routine maintenance, emergency repairs or circumstances beyond our control, e.g. electricity blackouts or telecommunications network problems.

10.2. Product information presented on this channel may be delayed. You can always confirm the most recent product information by contacting Sanla Corporation’s Client Contact Centre.

Privacy

11.1. Sanla Corporation is committed to maintaining the privacy of your personal information. In order to provide the Service, Sanla Corporation collects personal information that you voluntarily provide. You acknowledge that in order for Sanla Corporation to make the service available to you in accordance with these Terms of Use, Sanla Corporation shall process, which includes to collect and use, personal information (names, ID numbers, email address, cell-phone number), browsing history and mobile app activity for internal purposes with the aim to provide, secure and improve the Service, keep a list of registered users and keep record of actions executed.

11.2. Sanla Corporation will not share your personal information with any third party outside of the Sanla Corporation Group except as is necessary to provide the Service to you or where otherwise permitted in terms of applicable laws. This includes disclosures to third party service providers that assist us with making the service available to you. We may also share your personal information if we are required to in terms of applicable laws or subpoena or by a competent regulatory authority. Some of the recipients of your personal information may be based outside of the Republic of South Africa in jurisdictions with lesser data protection regulation, but we will ensure that they are subject to binding agreement or policy which effectively upholds the principles for lawful processing of personal information as set out in the Protection of Personal Information Act, 2013.

11.3. You agree to allow Sanla Corporation to store cookies on your device (see section 7.5 above for more information on the cookies we use).

11.4. For more information on how Sanla Corporation processes personal information and how to exercise your rights as a data subject, please also refer to Sanla Corporation’s Privacy Notice.

For your protection and security

12.1. Since we deal in a non-face-to-face environment, you must enter the correct security credentials, for example username and password or app PIN, every time you access the Service.

Protect your credentials

13.1. You must take the necessary precautions to prevent unauthorised persons to access the Service using your credentials.

13.2. It is good practice to change your credentials from time to time, even if you do not suspect that someone else may have gained unlawful access thereto.

13.3. Depending on device capability, fingerprint authentication (Touch ID) may be enabled. Any fingerprint enrolled on your device can be used to unlock your device and access the Service via the Sanla Corporation Portfolio App. Sanla Corporation will treat the information accessed and transactions performed as if it were authorised by you.

13.4. Never show or give your credentials to another person, including employees of Sanla Corporation.

13.5. Sanla Corporation will never ask you to click on a link to confirm your credentials or provide personal information.

13.6. Sanla Corporation will never ask you to provide or confirm your credentials via an e-mail, SMS or instant message.

13.7. If you suspect that someone else knows your username or password, please change it immediately or contact the Client Contact Centre to disable your account.

13.8. If you want to disable your account, please phone our Client Contact Centre. The details are available on the Sanla Corporation website.

13.9. You can manage mobile device access to your profile via Profile Settings on the Sanla Corporation website.

Protecting yourself

14.1. Information sent over unsecured networks or communication systems, can be unlawfully monitored, intercepted or accessed. Although Sanla Corporation takes all reasonable steps to prevent this, the risk remains with you.

14.2. Please read and take note of the security tips and information available on the Sanla Corporation website from time to time.

14.3. It is recommended that you do not use public computers such as those in internet cafes but if you do, take special care as your credentials could be compromised.

Restricted Use

15.1. The Service is the property of Sanla Corporation.

15.2. You are not allowed at all to reverse engineer, decompile, disassemble or attempt to modify any part of the Service.

15.3. You may not post or upload any content that is of an unacceptable, unethical or unlawful nature (e.g. content that is threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic or profane) or content that could even potentially damage Sanla Corporation’s image or reputation or impair its ability to do business. For this purpose, Sanla Corporation will be entitled to monitor such content.

No Liability and Disclaimer

16.1. Although we take reasonable care to prevent harm or loss to you, Sanla Corporation will not be liable for any loss or damage you may suffer arising from your ability or inability to use the Service. This will not apply where the loss arises due to Sanla Corporation’s gross negligence or intent. To the fullest extent permitted by law, Sanla Corporation makes the Service available on an ‘as is’ basis with no warranties whatsoever.

16.2. In addition to the above, to the fullest extent permitted by applicable law, Sanla Corporation is not liable for:

- 16.2.1. Loss due to unauthorised interception or monitoring, and/or
- 16.2.2. Losses suffered by yourself, Sanla Corporation or a third party due to someone other than yourself using your username, password, PIN, or fingerprint (where mobile devices allow such fingerprint ID verification capabilities).
Termination of Service

17.1. We may end this Service at any time or end your right to use the Service after giving you reasonable notice.

17.2. We may also end your right to use the Service immediately and without notice if:

- 17.2.1. You commit fraud or are suspected to do so,
- 17.2.2. If we believe your use of the Service was inappropriate, including uploading content as envisaged in section 15.3, or
- 17.2.3. If applicable law requires us to do so.

17.3. You may deactivate your account at any time by contacting our Client Contact Centre.

Intellectual property rights

18.1. The Service and all its contents, including web and app pages, software, text, graphics, icons, hyperlinks, private information and designs, are owned or licensed by Sanla Corporation and are protected by copyright and other intellectual property laws. The copyright in all material vesting in Sanla Corporation used in the Service shall continue to vest in Sanla Corporation or its licensor. Sanla Corporation or its licensor is the proprietor of all patents, service marks, logos, trade names and business names used in the Service.

18.2. As the intellectual property rights, referred to immediately above, are protected against infringement by local and international legislation and treaties, it may not be used in any way without Sanla Corporation or the licensor’s prior written consent.

18.3. To obtain Sanla Corporation’s consent, please address the request to insure@sanlacorp.com.

Jurisdiction and applicable law

19.1. Your use of the Service will for all purposes relating to its use, constitute your consent and submission to the exclusive jurisdiction of the High Court of South Africa (Western Cape Division, Cape Town).

19.2. Any claim arising from:

- 19.2.1 The use or inability to use the Service,
- 19.2.2 An application for, and the rendering of a service or providing of a product, is subject to the laws of the Republic of South Africa – in respect of both the basis of the claim (contract, delict (tort), or any other) and the law relating to procedure and evidence.

19.3. All proceedings will be held in English and the unsuccessful party will be liable to pay all costs incurred by the successful party, including costs as between attorney and own client.

General Provisions

20.1. No failure or delay by Sanla Corporation to exercise any of its rights will be construed as a waiver of any such right.

20.2. If any of these Terms of Use is held to be invalid, unlawful or unenforceable, the term or condition will be deleted from the remaining Terms of Use which will continue to be valid to the full extent permitted.

Prohibited Activities

You may not use our platform for any illegal or fraudulent purpose or in a manner that violates any applicable laws or regulations. This includes using our platform to:

Impersonate another person;
Engage in any activity that interferes with or disrupts our platform or our users’ ability to use our platform; or
Attempt to gain unauthorised access to our platform, user accounts, or other systems or networks.

Changes to these Terms of Use

We may make changes to these Terms of Use at any time. Any such changes will be posted on our website and will be effective immediately upon posting. It is your responsibility to regularly review these Terms of Use. If you use the platform after we make any changes, it means you have accepted the changes and that you agree to be bound by the Terms of Use as modified.

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