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Terms and Conditions:

  1. Please read the following terms and conditions very carefully as your use of Cheap Life Insurance’s  website and other services is subject to your acceptance of and compliance with these terms and conditions.
  1. By accessing the Cheap Life Insurance’s website and Subscribing to the Service as defined below, you acknowledge that you have read, understood and accepted the following terms and conditions and/or disclaimers:

Definitions:

  1. In these terms and conditions, unless the context indicates a contrary intention, the following words and expressions shall bear the meanings assigned to them hereunder and cognate expressions shall bear corresponding meanings:
  1. the Content – all promotional information and marketing communications, including but not limited to any data, text, music, sound, photographs, graphics, video, messages, and tags on the Website, whether in relation to Cheap Life Insurance, the promotional competitions advertised on the Website, if any, the email communications programs, the Trade Partner’s products and services, or the Questionnaires;
  1. the Opt Out Link – a link provided on the site once the Subscriber has completed the Subscription process and thereafter, on correspondence from Cheap Life Insurance’s to the Subscriber;
  1. Personal Information – any personal information that the User may provide to Cheap Life Insurance when becoming a Subscriber and/or provided to Cheap Life Insurance from time to time pursuant to these terms and conditions, which information may include but not be limited to the User’s full names, identity number and contact details;
  1. the Questionnaire – the questionnaire prepared by Cheap Life Insurance’s and/or the Trade Partner in collaboration with Cheap Life Insurance, containing questions for completion by the Subscriber, the answers to which may give rise to relevant targeted communications to be made directly by the Trade Partner to the Subscriber and/or by Cheap Life Insurance’s on behalf of its current and/or future Trade Partners;
  1. the Service/s – any services offered from time to time, including but not limited to, insurance, banking, cell phone related services/deals and access to consent based targeted marketing opportunities offered by the Trade Partners and/or Cheap Life Insurance on behalf of its current and/or future Trade Partners via phone and/or sms and/or email and/or post;
  1. Subscribe/Subscribing – an act of subscribing to receive communications from both Cheap Life Insurance and it’s Trade Partners as they may be from time to time in order to access the Service by completing a survey on the website and consenting to communication from Cheap Life Insurance and/or its Trade Partners; and “Subscription” shall have a corresponding meaning;
  1. the Trade Partner – any party which collaborates with Cheap Life Insurance, from time to time, for the purposes of targeted marketing opportunities and communications to be directed to the Subscribers in relation to such party’s products and services. For clarity purposes “Trade Partner” shall also include any party that collaborates with Cheap Life Insurance at any given time for the purpose of offering the Service/s;

10.  the User – a person who has Subscribed to the Service by agreeing to these Terms and Condition;
11.  the Website – the website which is owned and operated by Cheap Life Insurance, including any page, part or element thereof.
Joining and opting-out of the Service:

  1. The User acknowledges that joining the Cheap Life InsuranceInitiative is voluntary and subject to the following:

i.            acceptance by the User to be bound by these terms and conditions;
ii.           the User providing Cheap Life Insurance with the Personal Information;
iii.          the User granting consent to Cheap Life Insurance to contact the User with advertising material and/or offerings made by the Trade Partners or the User granting consent to the Trade Partners whom the User has indicated that such Trade Partners can contact him/her;
iv.           the User shall be entitled to opt out of all communications from Cheap Life Insurance by clicking on the Opt Out Link provided on the email communication from Cheap Life Insurance to the User. Cheap Life Insurance shall not be held responsible for any of its Trade Partners failing to comply with this condition.
Warranties

  1. Unless specifically stated in these terms and conditions, Cheap Life Insurance does not make any warranties relating to the use of the Website and/or the Services.
  1. The User acknowledges that his/her communications, interactions whatsoever with or participation in any promotions made by the Trade Partners through the Service are subject to the terms, conditions and warranties specified in such communication and interactions. The following conditions shall apply to any Services offered to the User by the Trade Partners or any goods procured by the User from the Trade Partners as part of the Service:

i.            The Services shall be subject to the terms, conditions and limitations imposed by the relevant Trade Partner;
ii.           the provision of the Service is subject to the continuous provision of the Service by the Trade Partner;
iii.          the User agrees that Cheap Life Insurance can provide or make available the Personal Information to the relevant Trade Partner, to the extent that it may be necessary to enable such Trade Partners and/or Cheap Life Insurance on behalf of the Trade Partners to provide the Service to the User;
iv.          Cheap Life Insurance shall not be a party to any contract between the User and any Trade Partner. Accordingly, any obligations arising from any such contract shall be between the User and the Trade Partner concerned;
v.           Cheap Life Insurance shall not be responsible for monitoring any service provided to the User by the Trade Partner;
vi.          the User shall evaluate the product offered to him/her and where applicable seek advice about the product/service offered.
vii.          notwithstanding any publication of the Content by Cheap Life Insurance, Cheap Life Insurance does not warrant or represent that the Content is suitable, accurate, correct, complete, reliable, appropriate, or lawful; or endorse the Content.
Intellectual Property

  1. All rights, title and interest in and to the Intellectual Property as well as the copyrights and other rights of whatever nature relating to the information appearing on the Website shall, unless owned by third parties, at all times vest solely in Cheap Life Insurance.
  1. The User may not copy or display for redistribution to third parties or for commercial purposes any portion of the Website and/or any information appearing on the Website without Cheap Life Insurance’s written permission and/or the consent of the third party that owns any such information.
  1. The User shall not tamper with the Website and the information appearing on the Website in any manner whatsoever.
  1. Any information including the Content copied, printed or down loaded from the Website shall be subject to the applicable copy right and intellectual property laws.

Limitation of Liability and Indemnity

  1. Cheap Life Insurance makes no guarantee of the completeness or accuracy of the information appearing on the Website or that such information is up to date or that the Website is and will be free from interruptions, errors, computer viruses or other harmful components. Accordingly, the User uses the Website and/or the information appearing on the Website at his/her own risk.
  1. This Website contains, may or will contain hypertext or other links to other websites that are not owned or controlled by Cheap Life Insurance (”third party sites”).  The third party sites are provided to the User solely for convenience. Any information, endorsements of products or services, materials or personal opinions appearing on third party sites should not be construed as an express or implied endorsement by Cheap Life Insurance unless otherwise stated.  The User uses third party sites at his/her own risk.
  1. The User assumes full responsibility and risk of loss resulting from the use of the Website and/or the Service. Cheap Life Insurance will not be liable for any special, indirect, incidental, consequential or any other damages whatsoever, whether in contract, delict (including, but not limited to, negligence), or otherwise, relating to the use of the Website and/or the Service and the User indemnifies Cheap Life Insurance accordingly. Specifically Cheap Life Insurance will not be responsible for any compromise of Personal Information on the Website.
  1. Cheap Life Insurance shall not be responsible for any damage or loss whatsoever suffered by the User resulting from his/her dealing with the Trade Partners.
  1. The User acknowledges that Cheap Life Insurance shall not be responsible for any unauthorised use of Personal Information by any third party including but not limited to the Trade Partners.

Breach

  1. In the event that the User commits a breach of any of these terms and conditions, Cheap Life Insurance shall be entitled at its sole discretion without prejudice to any of its other rights in law, either to suspend the Services or terminate its relationship with the User in terms of these terms and conditions forthwith and without further notice, in either event, claim and recover damages from the User including commission and legal costs. Cheap Life Insurance shall not be responsible for any damages suffered by the User as a result of the suspension of the Services or termination of the relationship in terms of this clause 14.

General

  1. The User acknowledges and agrees that:

i.            these terms and conditions constitute the entire contract between the User and Cheap Life Insurance and that no provisions, terms, conditions, stipulations, warranties or representations of whatsoever nature, whether express or implied have been made by Cheap Life Insurance or on its behalf except as are recorded herein;
ii.            no relaxation, extension of time, latitude or indulgence which Cheap Life Insurance may show, grant or allow to the User shall in any way constitute a waiver by Cheap Life Insurance of any of its rights in terms of these terms and conditions and Cheap Life Insurance shall not thereby be prejudiced or estopped from exercising any of its rights against the User which may have then already arisen or which may arise thereafter;
iii.          he/she may not cede, assign or delegate, or otherwise transfer any of his/her rights or obligations in terms of these terms and conditions without Cheap Life Insurance’s prior written consent;
iv.          no alteration, variation or amendment of these terms and conditions shall be of any force or effect unless incorporated herein. The User undertakes to read these terms and conditions every time he/she uses Website to familiarise himself/herself with the amendments effected, if any;
v.           if any provision in these terms and conditions is found to be invalid or unenforceable, the remainder of the terms and conditions will remain enforceable;
vi.          the laws of the Republic of South Africa will govern all terms and conditions of any products and services contained in or offered through the Website and the User consents and submits to the jurisdiction of the courts of the Republic of South Africa in respect of any dispute arising out of use of this website.