Terms & Conditions

1. INTRODUCTION
   www.n-sureit.co.za(“we, us, our”) is an online insurance site(“the Website”), which enables users (“you, your”) to voluntarily enter their contact information on a single Website, and have N-Sure It Insurance Brokers (Pty) Ltd, FSP 52240 act as your Broker Agent for Commercial/Business and/or Personal Insurance. We have partnerships with a variety of insurers, and may submit your details to a variety of insurance companies or brokers, after a detailed analysis of your needs has been performed and you have signed an appointment letter of consent.

These terms and conditions of use (“Terms”) regulate access to and use of the Website and any profile created by you arising out of your use of the Website.

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

By using any part of the Website or by clicking a box that states that you accept or agree to those Terms, you signify your agreement to these terms. If you do not agree to these Terms, you may not use the Website.

We reserve the right, in our sole discretion, to amend and/or replace any of, or the whole of, the Terms. Such amendments shall supersede and replace any previous Terms and shall be made available on the Website. Each time you access the Website, you are deemed to have consented, by such access, to the Terms, as amended and/or replaced by us from time to time.

These Terms set forth the entire understanding and agreement between you and us with respect to the subject matter hereof.

You shall not be entitled to cede, assign, and/or delegate your rights and/or obligations in terms of these Terms to any third party without the prior written consent of us.

If any provision of these Terms is held to be illegal, invalid or unenforceable for any reason, such provision shall be struck out from these Terms and the remaining provisions shall be enforced.

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

The expiration or termination of these Terms shall not affect such of the provisions of these Terms that expressly provide that they shall operate after any such expiration or termination or which of necessity must continue to have effect after such expiration or termination, notwithstanding that the clauses themselves do not expressly provide for this.

• Bureau data access:By accepting these terms and conditions, you hereby consent to us requesting your full credit information from a registered credit bureau and instruct the credit bureau to release the information to us in order for us to determine whether you qualify for offers of goods and services.
  No live calls will be made to the credit bureau, and hence no footprint will be left that will impact your credit score.
• Subscription to Our Services:Through voluntary subscribing to our services via the submitting of information into our online form, You are requesting and agreeing that we send your information to our partners, who will then contact you with obligation free quotes for the specific product You have requested. We offer these services on a number of websites that are partnered with the Website.Through Your voluntary use of our services, You hereby further authorise us to use Your submitted information for our future marketing of other products on the Website or any partner Websites we may have. We will only use this information for our own marketing and offeringof our services and ensure that your privacy will be protected to the best of our reasonable ability at all times.

  You agree to provide, maintain and update true, accurate, current and complete information about yourself

• Electronic CommunicationsWhen you visit the Website or send e-mails to us, You are communicating with us electronically. Your Use of the Website shall be deemed your consent to receive communications from us electronically which will allow us to communicate with you via e-mail or by posting notices on the Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically, satisfy any and all legal requirement that such communications be in writing.

2. LIMITATION OF OUR LIABILITY AND USE OF OUR WEBSITE
   
   2.1 Use of WebsiteYou may only use the Website to browse the content, voluntarily enter legitimate information and shall not use the Website for any other purposes, including but without limitation to, the entering of any false or fraudulent information. You may only use the Website if you are an adult major (over 18 years of age) and therefore it is important to know that minors may not make use of the Website. The Website and the content provided therein may not be copied, reproduced, republished, uploaded, posted, transmitted or distributed. Please note further that deep-linking, embedding or using analogous technology is strictly prohibited. Unauthorized use of the Website and/or the materials contained on the Website may violate applicable copyright, trademark or other intellectual property laws or other laws.You may not yourself, or through a third party –

• use the Website for harmful, unlawful or illegal purposes, including, without limitation to:- impersonate any other person or use a false or unauthorised name so as to create a false identity and/or e-mail address or to misrepresent the origin or identity of any communications;- collect, harvest or otherwise obtain Personal Information, as this term is defined in POPI, relating to other users;

  – create, store and/or send unsolicited commercial communications; or conduct any fraudulent activity including any “pyramid scheme”, “ponzi scheme” or “chain letter”.

• use any customer profile in a manner so as to advertise or promote your or any third party’s products or services; and/or impersonate another person;
• copy (other than for backup, archival or disaster recovery purposes), reproduce, translate, adapt, vary, modify, distribute, lease, license, sub-license, encumber or in any other way deal with any portion of the Website for any reason and in any manner, unless it is consistent with the intent and purpose of these Terms;
• decompile, disassemble or reverse engineer any portion of the Website;
• collect service listings, descriptions or other information displayed on the Website;
• write and/or develop any derivative of the Website or any other software program based on the Website;
• adapt, modify or enhance the Website. In the event of a user effecting any adaptation(s), modification(s) or enhancement(s) to the Website in breach of this clause, such adaptation(s), modification(s) and enhancement(s) hereby vest exclusively in us and you hereby assign all rights in and to, and waive any and all moral rights in and to, such adaptation(s), modification(s) and enhancement(s), which assignment we accept;
• without our prior written consent, provide, disclose, divulge or make available to or permit the use of or give access to the Website by persons other than you;
• remove any identification, trade mark, copyright or other notices from the Website and/or any personalised item, it being specifically recorded, acknowledged and agreed that trade marks proprietary to or licensed to us will automatically be incorporated in all customer profiles;
• establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise (collectively “linking”), to the Website or any subsidiary pages;
• use the Website and/or any personalised item to transfer files that contain viruses, Trojans, bombs, time-locks, phishing programmes or other harmful programmes; and/or penetrate or attempt to penetrate the Website’s security measures.

2.2 Our Rights

We may:

modify or withdraw, temporarily or permanently, the Website (or any part thereof) with or without notice to you and you confirm that we shall not be liable to you or any third party for any modification to or withdrawal of the Website; and/or

Change these Terms from time to time with or without notice to you, and your continued use of the Website (or any part thereof) following such change shall be deemed to be your acceptance of such change.

We will use our reasonable endeavors to maintain the Website. The Website is subject to change from time to time. You will not be eligible for any compensation should your use of any part of the Website be affected in anyway and/or because of a failure, suspension or withdrawal of all or part of the Website due to circumstances beyond our control.

2.3 Cookie Tracking

The Website may use cookie and tracking technology from time to time depending on, but not limited to, the features offered. Cookie and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to the Website, and understanding how visitors use the Website. Cookies can also help customize the Website for visitors. Personal information cannot be collected via cookies and other tracking technology, unless and in the instance that you previously provided personally identifiable information, cookies may be tied to such information. By registering with us, You therefore provide your consent to share such information with third parties.

2.4 Third Party Links

In an attempt to provide increased value to our users, we may provide links to other websites or resources. You acknowledge and agree that we are not responsible for the availability of such external sites or resources, and further accept that we do not endorse and are not responsible or liable in any way whatsoever, directly or indirectly, for the privacy practices or the content (including misrepresentative or defamatory content) of such websites, including but without limitation to, any advertising, products or other materials or services on or available from such websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such content, goods or services available on such external sites or resources. The materials that can be accessed from linked sites are not maintained by us and we are not responsible for the contents thereof. Any reference to a linked site or any specific third party product or service by name does not constitute or imply its endorsement by us and you assume all risk with respect to its use.

3. WARRANTIES

In no event shall we, 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 us, 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 fulfilment or breach by you of any of you 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.

4. ABOUT US