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Legal stuff

Fine print for peace of mind.

Legal stuff

Fine print for peace of mind.

Website Terms of Use  – 05.18v0.2

1. Introduction

These are the general terms of the relationship between

    • you – the website visitor
    • and us – Ctrl Financial Intermediaries (Pty) Ltd (Registration number: 2017/191425/07), also known as Ctrl – the website owner.

They cover any use of the website. You agree to be legally bound by the terms by visiting and using this website. Please do not use the website if you do not agree to the terms.

2. Definitions and interpretation

2.1. Definitions. In the agreement:

terms means the terms, consisting of:

    • these terms of use; and
    • any other relevant specific terms, policies, disclaimers, rules, and notices agreed to between the parties, (including any that may be applicable to a specific section or module of the website)

we, us, or our means our organisation, the owner of the website and includes our officers, agents, employees, owners, co-branders, and associates where the terms limit or exclude our liability

you or your means any visitor to this website, including any other person, website, business, or agent (including any virtual or robotic agent) associated with the visitor

2.2. Interpretation. If the meaning of any general terms conflicts with any other relevant specific terms, the specific terms will apply. Specific terms, such as our terms of service, privacy policy, or security policy apply to specific sections of the website or have been specifically agreed between you and us.

3. Use of this website

3.1. Licence. We grant you a limited licence to use this website on these terms. We may cancel your licence at any time for any reason. Your licence is automatically cancelled if you do not get our written permission before using this website in a way these terms do not allow.

3.2. Breach. If you breach any of the terms or infringe any other person’s rights (including copyright), we may cancel your licence, block you from using the website, claim specific performance or damages against you, and take any other steps the law allows, without affecting our rights.

3.3. Framing and linking. You may not frame this website or any of its pages. You may only link to the home page of this website. You may not deep link (link to any other page) or link in any way that could suggest that we endorse or support you, or that you have any rights in our website or intellectual property, unless we have given you written permission to do so.

3.4. Virtual agents. You may not use any technology (including spiders, crawlers, bots, and similar virtual agents) to search or gain any information from this website, unless we have given you permission to do so.

4. Capacity

You promise that you are entitled to visit this website and agree to the terms because you:

    • are at least 18 (or regarded as legally adult), and have the legal right and capacity to do so; or
    • are not 18 yet, but have permission from your parent (or legal guardian) to do so.

5. Accurate information

You promise that you will only give accurate information to us and this website.

6. Intellectual property

6.1. Ownership. Except as provided to the contrary in the agreement, all rights, title, interest, and ownership (including all rights under all copyright, patent, and other intellectual property laws) in, to, or of this website are our sole property or will vest in us or a third party licensor. All moral rights are reserved.

6.2. Trademarks. Our logo and sub-logos, marks, and trade names are our trademarks and no person may use them without our permission. Any other trademark or trade name that may appear on our marketing material is the property of its respective owner.

6.3. Restrictions. Except as expressly permitted under the agreement, the website may not be:

    •  modified or used to make derivative works;
    • rented, leased, loaned, sold or assigned;
    • reverse engineered or copied; or
    • reproduced or distributed.

7. Limits to our liability

7.1. Own risk. We provide the website “as is”. We do not give any express or implied warranty or make any other promise about this website. For example, we do not warrant that it is good quality, fit for any particular purpose, accurate, complete, up-to-date, legally effective or secure. We also do not warrant that it is free of latent defects, errors, malicious software or infringing content, or that you will have quiet or uninterrupted use of it.

7.2. Indemnity. You indemnify (or promise to protect) us against any claim, demand, loss, damage, cost, or liability (including reasonable attorneys’ fees) related to your use of this website.

7.3. Faults. We will do our best to fix any fault in this website as soon as reasonably practical after we find out about it. This is the limit of our responsibility and liability for any fault in the website.

7.4. Direct damages limited. If the previous clause does not apply for any reason, our maximum liability to you for all claims for direct damages is R100. This limit applies whether a claim is based on contract, delict (tort) or any other legal cause of action.

7.5. Indirect damages. We will never be responsible for any indirect or consequential damages or losses, even if we should have foreseen them. These may include any loss of profit, loss of goodwill, loss of use or damages related to lost or damaged data.

7.6. Other websites or applications. We are not responsible for anyone else’s website or application.

8. General

8.1. Entire agreement. The terms are the entire agreement between the parties on the subject.

8.2. Changes to website. We may change or stop publishing this website without notice and will not be responsible for any consequences.

8.3. Changes to terms. We may change the terms at any time by placing a notice on this website or updating this web page. If you do not agree with the change, you must stop using this website or the changed terms will apply to you.

8.4. Facts about website. If an administrator of this website signs a letter confirming any fact related to the website, that letter is conclusive proof of its contents. These may include the version of the terms that apply to any dispute, or what content or functions the website had at a particular time or date.

8.5. Waiver. We never waive (give up) our rights, even if we allow you any favour or extension of time, or we delay enforcing our rights against you.

8.6. Severability. Any term that is invalid, illegal, or cannot be enforced must be regarded as deleted. The remaining terms continue as intended.

8.7. Law and jurisdiction. South African law and conditions (such as time and date) govern the terms. Only the South African courts may decide any dispute about the terms.

Privacy Policy – 05.18v0.2

 1. Introduction

We respect your privacy and take it very seriously. We are Ctrl Financial Intermediaries (Pty) Ltd (Registration number 2017/191425/07) and this is our plan of action for the protection of your personal information. It describes how we collect, use, disclose, and store your personal information.

2. Application

This policy applies to you when you visit our website, use our application, or order our services as a customer.

3. Personal information

3.1.    Scope. Your personal information includes information we collect:

    •  automatically when you visit our website or use our application
    • accept on registration or submission
    • get through an order
    • or you provide voluntarily
    • but excludes anonymous, de-identified, statistical, and public information

3.2. Insurance information. As a financial intermediary, we need to collect a large amount of personal information to allow various insurers to provide you with accurate pricing (quotations) inside our application (insurance information). We use this same personal information to ensure that you do not have to enter the same information twice and therefore avoid the time-consuming process of getting new quotes.

3.3. Your obligations You:

    •  may only send us your own personal information or someone else’s personal information if you have their permission to do so
    •  and warrant that that information is true and accurate to the best of your knowledge

4. Acceptance and changes

4.1. Acceptance. You may not order any of our services if you do not accept this policy or any changes to it.

4.2. Changes. We may change this policy at any time and will notify you of the changes on our website, through our application, or by email. The changed policy applies to you if you continue using our website, our application, or our services following the notification. We have posted a version number at the bottom of this page to make sure that you know when we’ve made a change to any wording on it.

5. Collection

5.1. Automatically through website. When you visit our website, we automatically collect your Internet usage information, including your IP address, browser details, and usage information, which we may use to display our website correctly, track your activities on it, or for other necessary purposes.

5.2. Automatically through application. When you use our application, we automatically collect your application usage information through analytics software and other technologies, which we use to optimise our offering to you.

5.3. On registration or submission. We may ask you to provide us with certain identifying information when you register on or otherwise submit information through our website or application for the first time.

5.4. Through an order. We ask you to provide us certain services information when you order our services.

5.5. Voluntarily. We may ask you to provide us certain optional information on a voluntary basis.

5.6. Consent to collection. We will get your consent to collect your personal information when required by applicable law when you provide us with it.

5.7. Purpose for collection. We may process your information that you provide to us for the purposes that you indicated when you agreed to provide it to us. Processing includes gathering your personal information, disclosing it, and combining it with other personal information.

6. Use

6.1. Processing. We may process your personal information to fulfil our obligations to you.

6.2. Cookies. We may place small text files on your device when you visit our website that allow us to provide you with a personalised experience by associating your personal information with your device. They let us remember your preferences, allow third parties to provide services to you, and otherwise serve useful purposes for you. Your internet browser generally accepts them automatically, but you can often change this setting or delete them manually. However, we won’t be able to provide you with access to certain aspects of our website where cookies are necessary if you do so. We have no access to or control over any cookies that our business partners use on our website and they have their own privacy polices that govern them.

6.3. Messages. We may use your identifying information to send you administrative and update messages about our website or application.

6.4. Promotional messages. We may also sometimes send you promotional messages, but you may choose to opt-out of them.

6.5. Targeted content. We may use your personal information to provide you with targeted content through our website or application in a completely automated process.

7. Disclosure

7.1. Credit check You give us consent by using our application to do the following in order for you to obtain an insurance quotation:

    • access to your credit information held by one or more of the registered credit bureaus
    • and to verify and share policy and insurance claim information with insurers and other institutions or for a third party service provider to do so on our behalf.

7.2. Sharing. We may share your personal information with third parties for the purposes of fulfilling our obligations to you, including with:

    • other companies or divisions within our group;
    • our contractors who help provide part of our services, including those that help us understand your personal information; or
    • third parties as required by applicable law.

7.3. Honour this policy. We will require anyone that we share your personal information with to honour this policy whenever possible in terms of applicable law.

7.4. Mandatory disclosure. We may disclose personal information to third parties if required for legal reasons, such as:

    • to regulators as law or governmental audit requires
    • law enforcement as subpoena or court order requires
    • or third parties as applicable law requires

7.5. Marketing purposes. We may disclose aggregate statistical information that we have derived from your and other people’s personal information to our advertisers or business partners.

7.6. Personnel. We may need to disclose personal information to our personnel to do their jobs, but will not do so unnecessarily.

7.7. Change of ownership. We may assign our rights to the personal information we process to our new owners if our ownership changes for any reason.

8. Storage

8.1. Insurance information. FAIS requires us to store all information relating to your insurance, including the advice we have offered and the information upon which someone generated a quote for a period of five years. We store this information securely.

8.2. Access and deletion. You may ask us to:

    • provide you with the personal information that we hold on you
    • or delete it, provided that we do not need it to fulfil our obligations to you or applicable law does not require us to keep it

We will take all reasonable steps to verify your identity before doing so. We may charge a fee to recoup our costs associated with this request if there is a cost to us associated with it and provided that applicable law allows us to do so. Please contact us with your name and any other information needed to identify you correctly if you want access to information or want us to correct, update or delete it.

8.3. Accuracy. We will do our best to keep your personal information that we collect accurate, complete, and up to date.

8.4. Participation. We may ask you to update your personal information from time to time, but will take steps to verify your identity to prevent unauthorised access when doing so.

8.5. Retention. We will only keep your personal information for as long as is necessary to fulfil our obligations to you, unless you have given us permission to keep it longer or we are otherwise legally allowed to do so.

8.6. Transfer. We may transfer your personal information outside of the country in which it was collected to a foreign country. You consent to us processing your personal information in a foreign country with less stringent data protection laws than the country in which it was collected.

9. General

9.1. Updating or removing. You may update or remove your personal information through our website or application or by contacting us.

9.2. Limitation. We are not responsible for anyone else’s privacy policies or practices.

9.3. Enquiries. Please contact us if you have any questions about this privacy policy or how we handle your personal information.

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