Terms and Conditions

These Terms and Conditions shall apply strictly to the use of the Website. Users are required to read and familiarise themselves with what is contained herein. These Terms and Conditions may change from time to time, and, in some instances, notice may be given to Users, but at all times it remains the responsibility of the User to ensure they are familiar with these Terms and Conditions.

  1. Definitions

In this agreement the words below shall mean:

  • A client is someone who has an active short-term policy with us. This includes any members of your family, who are covered under your policy.
  • Intellectual Property will mean, without limitation, all platforms, information, client data, whether or not patented or copyrighted and / or capable of being patented or copyrighted, of the Choice Insurance
  • A non-client is someone who does not have an active policy with us but who is 18 years or older and qualifies to use our services.
  • The words “us”, “we” or “our” refers to Choice Insurance.
  • The words “you” or “your” refer to a client or a non-client.
  • A User is someone who accesses this Website, or any other platform operated by Choice Insurance, irrespective of whether they are a client or have the intention to utilising the Services of Choice Insurance.

These Terms and Conditions are binding on all Users.

This agreement sets out the Terms and Conditions governing your use of the services provided for through the Choice app, so it is vital that you read it carefully.

If you are uncertain and do not agree with the Terms and Conditions, Privacy Policy, or Disclaimers, then you should not use the Website.

Your continued used of the Website shall constitute Acceptance or acknowledgment of these Terms and Conditions.

The use of this Website and associated services shall not be available to any persons under the age of 18.

  1. Copyrights and Trademarks

All Users who access the website, and the information contained on it, do not in any way receive any rights, license or the like in any intellectual property contained therein or to those intellectual property rights owned or held by Choice Insurance or in any of the trademarks, copyright, designs, patents, domain names, know-how, confidential information, trade secrets or any other intellectual property rights which may vest in Choice Insurance or in the author, compiler, creator or licensor of such information.

The Users agree not to change, delete, replicate, reproduce, disseminate, transcribe into any langue (including code), translate, or any way utilise the Intellectual Property contained in any material, data or information from this website, other than as prescribed by these Terms and Conditions.

  1. General Disclaimer

While Choice Insurance will take all reasonable measures to ensure an efficient, uninterrupted and error-free service to Users, Choice Insurance, its employees, representatives, sub-contractors or the like shall under no circumstances be liable to any User, for any:

  • Circumstances which arise that are out of the control of Choice Insurance which shall include but are not limited to any interruption caused by a sub-contractor or third-party provider to the website;
  • Data or Security breach, and the subsequent loss, theft, corruption or like of the Data;
  • Third-party advertising or similar material on the Website and any information contained therein;
  • Negligence or failure on the part of any User to secure their login details adequately which shall include but not be limited to the use, by a third party, of the login details of the User;
  • Act or omission by either Choice Insurance, its representatives, employees, subcontractors or the like relating to maintenance or further development of the website or any portal, page or link contained on or in the website.
  • failure by Users to adhere to the Terms and Conditions.

Choice Insurance makes no representation or warranty, limited or otherwise, whether express or implied, as to the operation, integrity, availability or functionality of the website or as to the accuracy, completeness or reliability of any information obtained from the website.

This website and any content published thereon, do not or in now way attempts to provide financial advice or any information relating to the nature and terms of any policy which a client of Choice Insurance may have.  All user and / or clients are referred to their policy and schedules for any policy related terms and conditions.

We may, in our sole discretion, at any time, suspend or terminate the operation of our app or any of the products or services provided in terms of this app, without prior notice. We may also at any time discontinue or disable certain parts of the services available through this app for the purposes of maintenance or upgrades or other causes beyond our control. In the event that these service channels are unavailable as stated, we request that you call our contact centre in order to make necessary changes or make queries on your policy.

All rights remain reserved.

  1. Communication Disclaimer

E-mail disclaimer

E-mails sent by Choice Insurance contains privileged or confidential information and may be subject to legal privilege.  E-mails and any files transmitted are intended solely for the use of the intended or addressed recipient. 

Access to any e-mails by any third-party other than the intended or addressed recipient is prohibited.  

Should an e-mail be received in error, such error must be brought to the attention of Choice Insurance immediately and thereafter, the e-mail and any attached file must be deleted.

Telephonic Contact disclaimer

At all times, telephonic contact is made with those Users who have requested us to contact them through the form on this Website or from data providers (covered under the Privacy Policy).

A copy of all recordings is stored for quality and security purposes and shall be made available in circumstances where any User or Customer disputes any facts or alleges any unlawful conduct on the part of Choice Insurance or its agents, employees, representatives or subcontractors.

By submitting the Contact form, you consent to receiving a call from a representative, agent, employee or subcontractor of Choice Insurance.

All information provided and data collected during telephonic contact will be subject to the Privacy Policy contained on this website.

  1. Electronic transactions, communications, and records

When you communicate with Choice Insurance by electronic communication, you consent to receiving responses to your communications by electronic communication addressed to you by Choice Insurance. You thereby agree that all electronic agreements, notices, disclosures, and other communications sent by Choice Insurance satisfy any legal requirement that such communications should be in writing.

You accept the risks inherent in electronic communication in whatever form.

You consent to Choice Insurance acting on the information communicated to Choice Insurance electronically. You are responsible to ensure that Choice Insurance has received the information communicated electronically.

You acknowledge and consent that Choice Insurance, in its discretion, may retain and store your electronic communications as may be lawfully required. You agree that the electronic records stored by Choice Insurance will constitute rebuttable) proof (it may be challenged) of the content of the records.

Any email communication (including but not limited to Sms’s messages sent via data for example Whatsapp) sent to you will be regarded for the purposes of this agreement to have been received by you when it enters an information system outside of the control of Choice Insurance.

  1. No warranties

While Choice Insurance will take care to provide accurate information on the Choice Insurance website, the information displayed on the Choice Insurance website is provided without any express or implied warranty (guarantee that the information is correct) of any kind whatsoever. In particular, Choice Insurance does not warrant that it is appropriate or suitable for any particular purpose, that it is complete or accurate, or that it or any hardware on which it is stored is virus-free.

  1. Restricted use

Unless otherwise indicated in writing, all information, products, and services displayed on or accessed through the Choice Insurance website are for your personal and non-commercial use only.

You may not –

  • Reproduce, modify, or create derivative works from; publish, distribute, transmit, or display; or license or transfer any of the content displayed on the website – unless you have Choice Insurance’s prior written authorisation;
  • Decompile, reverse engineer, or disassemble the website, a linked website, or any software employed in the display or operation of the website;
  • Post on or transmit to the website content of an unlawful nature, such content shall include, but not be limited to, defamatory, derogatory, racial and / or hate speech.
  • Use the website in a manner that could damage, disable, overburden, or impair any Choice Insurance server, or network connected to any Choice Insurance server, or interfere with any other party’s use of the Choice Insurance website;
  • Interfere with any content displayed on the Choice Insurance website or attempt or gain unauthorised access (without Choice Insurance’s written consent) to the information displayed on the website to which you may not be authorised.
  • Commit any offence in terms of the Electronic Communications and Transactions Act No. 25 of 2002, for which you may be prosecuted.
  • Create a link from another website to the Choice Insurance website, or any of the web pages which constitute the Choice Insurance website, without Choice Insurance’s prior written consent;
  • Frame the website or any of its pages without Choice Insurance’s prior written consent.
  1. Presumption and Indemnity Clause

The user of this site hereby indemnifies and holds Choice Insurance harmless against all loss, liability, action, legal actions, proceedings, costs, demands, and damages of any nature, arising out of or in relation to the failure or delay in the performance of the services offered on this website, or in the use of these services offered, information and / or images available on this website.

Due to the lack of personal contact in online communication and transactions, Choice Insurance relies exclusively on the correctness and accuracy of information submitted and the good faith of its online customers. Failure to provide honest, accurate and complete disclosure may lead to the annulment of policies. 

  1. Mobile access and use

You may access the Choice Insurance website using a mobile device (including a mobile telephone).

The Terms and Conditions shall have the same force and effect, irrespective regardless of the manner of your access and browsing of the Choice Insurance website.

  1. General

These terms and conditions will be governed by and construed in accordance with the laws of South Africa, and the user of this website will submit to the jurisdiction of the South African courts.

Choice Insurance’s failure to exercise any particular right or provision of these terms and conditions shall not constitute a waiver of such right or provision.

  1. Termination and Variation

Choice Insurance reserves the right to alter, restrict and / or terminate the services on its website to any user or the public, without notice or to revise these terms and conditions at any time.

Such changes will be posted on this website and be deemed to have been accepted by the user upon use of the website by the user. The obligation remains with the users that they are properly acquainted with the Terms and Conditions and any changes hereto.