Terms and Condition

This legal notice applies to the entire contents of the website under the domain name srdandloan.com (website) and to any correspondence by e-mail between us and you. Please read these terms carefully before using the platform.

Using our website indicates that you accept these terms regardless of whether or not you choose to register with us. If you do not agree to the terms and conditions, please stop using it immediately. This notice is issued by MODINVERE S.L.U (the “SASSA”).

On this website, SASSA provides users with access to information primarily about types of insurance, and components of insurance, including details about insurance products and services regarding general insurance, life insurance products, and health insurance products (the “Service”).

By accessing srdandloan.com, you acknowledge and agree that you are responsible for any third-party fees associated with accessing the website, such as Internet service provider or airtime charges. Additionally, you must provide and maintain all necessary equipment to access the website. Your use of this site and provision of personal/contact details indicate your interest in availing and purchasing the selected Service(s).

By using srdandloan.com, you agree that we may contact you electronically or via phone to discuss your interest in selected products and services, such as renewals and reminders, and to fulfill your requests. Additionally, you consent to us sharing your details with our affiliates and partners, who may also contact you via email, telephone, and/or SMS for information and sales purposes. You also agree to receive promotional materials and special offers from us and our affiliates through email or SMS.

Access to the Website

Users under the age of 18 are prohibited from registering on our website and are not permitted to transact or utilize its services.

1.1 You can access the majority of the web portal without registering your details with us. However, specific areas of the Website require registration for access.

1.2 Your access to any part of the website signifies your full acceptance of this legal notice. If you do not agree with this legal notice entirely, you must exit the Website immediately.

The SASSA reserves the right to revise this legal notice at any time by updating this posting. We recommend checking the Website periodically to review the current legal notice, as it is binding on you. Please note that certain provisions of this legal notice may be superseded by expressly designated legal notices or terms found on specific pages of the Website.

License

2.1 You are allowed to print and download extracts from the Website for your personal use under the following conditions: a) Documents or related graphics on the Website are not altered in any way; b) Graphics on the Website are not utilized separately from the corresponding text; c) SASSA’s copyright and trademark notices, along with this permission notice, appear in all copies.

2.2 Unless otherwise specified, all material on the Website (including, but not limited to, photographs and graphical images) is owned by SASSA and its licensors. Any use of extracts from the Website other than for personal use is strictly prohibited under this legal notice. If you violate any of the terms in this legal notice, your permission to use the platform will be automatically revoked, and you must promptly delete any downloaded or printed extracts from the web portal.

2.3 By using the web portal you agree not to:
a) Using its contents for any commercial purpose;
b) Make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand;

c) Use any robot, spider, scraper, or other automated means, or any manual process, to access, monitor, or copy any content or information from this Website without our explicit written consent; d) Breach the restrictions set forth in any robot exclusion headers on this Website, or bypass or circumvent any measures implemented to prevent or restrict access to this Website; e) Engage in any action that, at our discretion, may unreasonably or disproportionately burden or overload the infrastructure of the Website; f) Take any action that, at our discretion, may unreasonably or disproportionately burden or overload the infrastructure of the Website; g) Create deep links to any part of this Website (including, but not limited to, the purchase path for any service) without our explicit written permission; or h) “Frame,” “mirror,” or otherwise incorporate any portion of this Website into another website without our explicit written consent.

Reserved Rights

2.4 All rights not expressly granted in these terms are reserved.

Service Access to the Platform

3.1 While the Company aims to maintain the availability of the Website 24 hours a day, the Company shall not be liable if the Website becomes unavailable at any time or for any period, for any reason.

3.2 Access to the Website may be temporarily suspended without notice in case of system failure, maintenance, repair, or for reasons beyond the Company’s control.

Visitor Material and Conduct

4.1 By using the Website, you confirm that you are of legal age to form a binding contract and are not prohibited from receiving services under the laws of South Africa or other applicable jurisdictions. You agree to use the Website only for legitimate purposes, whether for yourself or for another person for whom you are legally authorized to act.

4.2 You must not misuse the Website, including but not limited to hacking.

4.3 The Company will cooperate fully with any law enforcement authorities or court order requesting or directing the Company to disclose the identity or location of anyone posting material in breach of clause 4.1, clause 4.2, or clause 4.4.

Feel free to use this version on your website!

Links to and from Other Websites

5.1 The Website may contain links to third-party websites for your convenience. Clicking on these links will take you away from our Website. The Company has not reviewed all of these third-party websites and does not control or take responsibility for their content or availability. Therefore, the Company does not endorse or make any representations regarding these websites, the materials found on them, or any outcomes resulting from their use. If you choose to access any third-party websites linked to the Website, you do so at your own risk.

5.2 The Company reserves the right to revoke any granted rights in the event of a breach of these terms and to take appropriate action as deemed necessary.

5.3 You agree to fully indemnify the Company and its group companies for any loss or damage incurred as a result of your breach of these Terms and Conditions.

6.1 The content provided on the web portal is for general information purposes only. It is not intended to constitute advice upon which you should rely. Prior to making any decisions or refraining from any actions based on the content of this Website, it is advisable to seek professional or specialist advice. While the Company strives to maintain the accuracy and currency of information on the Website, no representations, warranties, or guarantees, whether express or implied, are made regarding the accuracy, completeness, or timeliness of the content. The Company reserves the right to modify the material on the Website, as well as the products and prices described therein, without prior notice. Please note that the material on the Website may become outdated, and the Company does not commit to updating such material.

6.2 The material on the Website is provided “as is,” without any conditions, warranties, or other terms of any kind. Therefore, to the fullest extent permitted by law, the Company provides the Website to you with the understanding that the Company excludes and disclaims all warranties and conditions regarding this information, software, products, and services. This includes all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and non-infringement, which, but for this legal notice, might have an effect on the Website.

Liability

7.1 The Website has been provided by the Company for informational purposes only. The content on this Website is not intended to constitute, and should not be construed as, investment and/or financial advice or a personal recommendation to buy and/or sell any investment and/or financial products. It should not be relied upon in evaluating the merits of entering into any financial and/or investment products. The information contained herein is publicly available and sourced from printed material, websites, and other sources provided by insurers, reinsurers, and other financial institutions.

7.2 The Company, its affiliates, and their respective officers, directors, employees, shareholders, or agents shall not be liable for any direct or indirect loss or damage resulting from your use of the website or any linked websites. This includes, but is not limited to, loss of income, profits, goodwill, data, contracts, or any damages arising from business interruption. We do not accept responsibility for any viruses that may infect your computer equipment, software, data, or other property as a result of accessing or using the website, or downloading any material from it or any linked websites.

7.3 If your use of material on the Website results in the need for servicing, repair, or correction of equipment, software, or data, you assume all associated costs.

7.4 This Website will not engage in or provide any services or products to jurisdictions or persons subject to national or international sanctions programs, including, without limitation, jurisdictions or persons prohibited by the South Africa Office of Foreign Assets Control (OFAC).

This legal notice shall be governed by and construed in accordance with the laws of South Africa. Disputes arising in connection with this legal notice shall be subject to the exclusive jurisdiction of the South African courts.

Refunds will be processed only through the Original Mode of Payment. If a transaction error occurs during payment, a refund will typically be issued to the same credit card used for the original purchase.

10.1 In the event of policy cancellation, the discounted amount will not be refunded.

10.2 If a customer has filed a claim on the policy, they will not be eligible for any refund.

All content featured on the Website, as well as in any newsletters, postings, or mailings, is subject to this disclaimer. Any listings or information provided are not intended as a recommendation of a particular insurer or provider; listings are displayed randomly based on publicly available information.

srdandloan.com aims to present transparent and impartial information regarding insurance products and services. The information and data provided are intended to be generic. Our goal is to provide unbiased, accurate, and responsible data to the best of our ability. However, we cannot accept responsibility for any discrepancies in the data published on our website.

We have no intention or purpose of infringing upon any intellectual property or ancillary rights. All information provided on the srdandloan.com website is subject to our discretion and may change without notice. However, any changes affecting public utility will be communicated on our website.

While we strive to uphold high standards of quality, clarity, and accuracy in the material posted on the website, we cannot assume legal responsibility for any discrepancies.

Employees, partners, and associated staff of srdandloan.com bear no accountability for any loss, harm, or damage resulting from, or potentially arising from, the use of information from the website. Customers are advised to exercise their discretion in such matters.

Insurance is a subject matter of solicitation and market risks. It is the customer’s responsibility to comprehend the limitations of insurance policies and the associated risks. Under no circumstances do we assume any liability in such instances. We strongly advise you to carefully review the terms and offer documents provided.

The information presented on the website is intended for financial and insurance purposes only.

It is mutually understood between us and the customers that their association with the website is at the customer’s sole discretion and risk.

Visitors to srdandloan.com, as well as every third party, are hereby notified that the owners of this website are not licensed by the South Africa Insurance Authority as an insurer or an intermediary.