Terms of Use

WEB SITE TERMS AND CONDITIONS

ALL PERSONS THAT ACCESS THE INTEGRISURE BROKERS (PTY) LTD WEB SITE OR ANY PART THEREOF ARE BOUND TO THE TERMS AND CONDITIONS OF THIS WEB SITE, OF WHICH TERMS AND CONDITIONS ARE ENFORCEABLE AGAINST ANY SUCH PERSONS, IN TERMS OF SECTION 11(3) OF THE ELECTRONIC COMMUNICATIONS AND TRANSACTIONS (ECT) ACT 25 OF 2002.

USE OF THIS WEB SITE AUTOMATICALLY BINDS ANY USER TO THESE TERMS AND CONDITIONS. IF ANY USER DOES NOT WANT TO BE BOUND TO THE TERMS AND CONDITIONS OF THIS WEB SITE, THE USER MAY NOT ACCESS, DISPLAY, USE, DOWNLOAD, AND/OR OTHERWISE COPY OR DISTRIBUTE CONTENT OBTAINED AT THIS WEB SITE.

1. DEFINITIONS AND INTERPRETATION

1.1	“IntegriSure Brokers (Pty) Ltd” means IntegriSure Brokers (Pty) Ltd, an insurance broker company duly registered in terms of the companies laws of South Africa;
1.2	“IntegriSure Brokers (Pty) Ltd web site” means the IntegriSure Brokers (Pty) Ltd web site located at www.integrisure.co.za;
1.3	“User” means any person that enters or uses the IntegriSure Brokers (Pty) Ltd web site, including any person that only visits the home page of the IntegriSure Brokers (Pty) Ltd web site;
1.4	References to the singular in the IntegriSure Brokers (Pty) Ltd web site includes the plural and vice versa;
1.5	In terms of section 11 of the ECT Act 25 of 2002 hyperlinks, copyright notices and legislation in these terms and conditions are deemed to be part of these terms and conditions; and
1.6	Determination of the validity and interpretation of these terms and conditions shall not be effected by all or any non-operational hyperlink.

2. PRIVACY POLICY

2.1

IntegriSure Brokers (Pty) Ltd will take all reasonable steps to protect the personal information of all Users and as such subscribes to the principles, outlined in Section 51 of the Electronic Communications and Transactions Act 25 of 2002 which governs User’s rights to privacy of personal information. In terms of this clause “personal information” shall be defined as in section 1 of the Promotion of Access to Information Act of 2000 (PAIA).

2.2

IntegriSure Brokers (Pty) Ltd intends using personal or property particulars submitted by persons to IntegriSure Brokers (Pty) Ltd via e-mail or the submission forms on this site only to respond to any specific request for information a User has made in this communication, and will not use this information in any other way or disclose it to any third party without express written consent, unless required to do so by law.

3. HYPERLINKS

3.1	No person, business or web site may link to any page on this site without written consent from IntegriSure Brokers (Pty) Ltd.
3.1	Hyperlinks are provided on this web site to web pages that do not form part of IntegriSure Brokers (Pty) Ltd. Such links do not imply any endorsement, agreement on or support for the content of web pages not forming part of the IntegriSure Brokers (Pty) Ltd web site.
3.1	IntegriSure Brokers (Pty) Ltd is in no way responsible or liable for the content, access or inability to access such web pages not forming part of IntegriSure Brokers (Pty) Ltd web site.

4. DISCLAIMER

4.1

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

4.1.1	use of the IntegriSure Brokers (Pty) Ltd web site;
4.1.2	inability to use the IntegriSure Brokers (Pty) Ltd web site;
4.1.3	access or inability to access the IntegriSure (Pty) Ltd web site;
4.1.4	access or inability to access web sites linked to the IntegriSure web site;
4.1.5	services provided by the IntegriSure (Pty) Ltd web site;
4.1.6	content or information provided on the IntegriSure (Pty) Ltd web site;
4.1.7	downloads and use of content from the IntegriSure (Pty) Ltd web site;
4.1.8	any other reason not directly related to IntegriSure’s gross negligence.

4.2

Clause 4.1 is subject to sections 43(5) and 43(6) of the ECT Act 25 of 2002, where applicable.

4.3

IntegriSure Brokers (Pty) Ltd makes no express or implied representations or warranties that the content and service available from this web site 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 errors.

4.4

This web site is available for any User with access to the world wide web to view ‘as is’, and has not been compiled or designed to meet each User’s individual requirements. IntegriSure Brokers (Pty) Ltd 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.

5. DISCLAIMER (E-MAIL)

5.1

The information in or attached to this e-mail message is confidential and is only intended for the person or entity to which it is addressed. Further, this information may be subject to legal privilege and client confidentiality. If you receive this e-mail through error, please notify the sender of this e-mail 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 reliance upon this information by persons or entities other than the intended recipient, is prohibited.

5.2

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

6. DISCLAIMER (ONLINE QUOTING SERVICE)

6.1	Use of the Online Quoting Service, provided by the IntegriSure Brokers (Pty) Ltd web site, is at the User’s own risk.
6.2	Although IntegriSure Brokers (Pty) Ltd takes all reasonable steps to place the Insurer in a position to concur with the online quote, a quote provided by the Online Quoting Service on this web site will only be considered as a preliminary quote, and is subject to further investigation in order to establish the final quote.
6.3	The Insurer will finally assess the User’s application and may award the quote accordingly. It is therefore recorded that any cover extended to the User on the strength of this online quote and the information on this web site, will be governed by the Terms and Conditions as ultimately found in the Insurance Policy.
6.4	In the event that the Insurer does not accept the preliminary quote IntegriSure Brokers (Pty) Ltd will not be bound by such a preliminary quote.
6.5	IntegriSure Brokers (Pty) Ltd accepts no liability whatsoever relating to any loss, expense, claim or damage, whether direct, indirect or consequential, arising from the information attained on the Online Quoting Service on this web site.
6.6	IntegriSure Brokers (Pty) Ltd treats all User’s submitted information as confidential and will take reasonable steps to ensure the security of the User’s personal information from loss, misuse or unauthorized alterations. However, due to the nature of the internet, IntegriSure Brokers (Pty) Ltd does not make any representation or warranties that the content will be 100% secure.
6.7	IntegriSure Brokers (Pty) Ltd treats all User’s submitted information as confidential and will take reasonable steps to ensure the security of the User’s personal information from loss, misuse or unauthorized alterations. However, due to the nature of the internet, IntegriSure Brokers (Pty) Ltd does not make any representation or warranties that the content will be 100% secure.

7. SECURITY

7.1	Any legal person that delivers or attempts to deliver any damaging code to this web site, to gain unauthorized access to any page on this web site, to tamper with any of the content or pages that constitute this web site or duplicate such pages or content will be prosecuted to the full extent of the law, and civil damages will be claimed should IntegriSure Brokers (Pty) Ltd suffer any loss or damages as a result of such actions.
7.2	IntegriSure Brokers (Pty) Ltd will take reasonable steps to ensure the security of the content of the IntegriSure Brokers (Pty) Ltd web site (including information provided and collected from Users) from unauthorized access or disclosure. Although IntegriSure Brokers (Pty) Ltd takes reasonable steps to ensure security, IntegriSure Brokers (Pty) Ltd does not make any representation or warranties that the content will be 100% secure.
7.3	IntegriSure Brokers (Pty) Ltd has no legal obligation to encrypt any content or communications from and to the IntegriSure Brokers (Pty) Ltd web site. Further there is no legal obligation for IntegriSure to provide digital authentication for any web page on the IntegriSure Brokers (Pty) Ltd web site.
7.4	Users are prohibited from creating, distributing or using any program, instrument or device to breach the security measures in place on the IntegriSure Brokers (Pty) Ltd web site, any breach and IntegriSure Brokers (Pty) Ltd will claim damages against any and all persons concerned with the breach or security failure.
7.5	Users will be liable for all resulting liability, loss or damages incurred by IntegriSure Brokers (Pty) Ltd (including its owners, directors, employees, suppliers, Internet service providers, affiliates and agents) in the event a User commits any offence referred to in sections 85 to 88 of the ECT Act 25 of 2002.

8. GOVERNING LAW

8.1

This web site is controlled and operated by IntegriSure Brokers (Pty) Ltd, a company with limited liability duly incorporated and registered in accordance with the company laws of the Republic of South Africa, and therefore South African law and the jurisdiction of the South African courts shall govern any action or claim that may arise from the use or inability to use this web site.

9. WHOLE AGREEMENT AND SEVERABILITY

9.1	These Terms and Conditions constitute the whole agreement between IntegriSure Brokers (Pty) Ltd and the User, and no terms and conditions that are not expressly stated in this agreement may be implied by either party.
9.2	Any failure by IntegriSure Brokers (Pty) Ltd to exercise or enforce any right or provision shall not constitute a waiver of such right or provision.
9.3	Term(s) or Condition(s) in this web site shall be severable from the remaining Term(s) and Conditions in the event such Term(s) or Condition(s) are found to be unenforceable or invalid for any reason. The remaining Terms and Conditions shall remain enforceable and applicable.

10. UPDATING OF THESE TERMS AND CONDITIONS

10.1	IntegriSure Brokers (Pty) Ltd reserves the right to change, modify, add to or remove from portions or the whole of these Terms and Conditions at any time without notice. Changes to these Terms and Conditions will become effective upon such changes being posted to this web site.
10.2	It is the User’s obligation to periodically check these Terms and Conditions at the IntegriSure Brokers (Pty) Ltd web site for changes or updates.
10.3	The User’s continued use of this web site following the posting of changes or updates will be considered notice of the User’s acceptance to abide by and be bound by these Terms and Conditions, including such changes or updates.

11. PAIA –PROMOTION OF ACCESS TO INFORMATION ACT

11.1	IntegriSure Brokers (Pty) Ltd will provide information and documents on 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.

12. INTELLECTUAL PROPERTY RIGHTS AND DOMAIN NAME USE

12.1	Content currently or anticipated to be displayed at this web site is the property of IntegriSure Brokers (Pty) Ltd, its affiliates and/or subsidiary, or any other third party owners of such content, and includes but is not limited to content, trademarks, domain names, patents, design elements, software, database, text, graphics, icons and hyperlinks (“the Content”), and as such are protected from infringement by domestic and international legislation and treaties.
12.2	All rights to Intellectual Property on the IntegriSure Brokers (Pty) Ltd web site are expressly reserved, therefore the Content may only be used with the permission in writing of an authorized representative of IntegriSure Brokers (Pty) Ltd.
12.3	Except as specified in these Terms and Conditions, the User is not granted a license or any other right including without limitation under Copyright, Trademark, Patent or other Intellectual Property Rights in or to the Content.
12.4	No person, business or web site may frame this site or any of the pages on this site in any way whatsoever without the permission in writing of the authorized representative of IntegriSure Brokers (Pty) Ltd.

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