Pineapple Terms and Conditions:
In this agreement the words below shall mean:
This agreement is a binding agreement between you (client or non-client) and us.
This agreement sets out the Terms and Conditions governing your use of the services provided for through the Pineapple app, so it is vital that you read it carefully.
Please note that we will only be able to provide you with the services in the event that you have accepted the Terms and Conditions of this agreement by clicking on the "REGISTER" or/and "CONFIRM" button when registering with us and by making use of the services offered by the app.
By clicking on the "REGISTER" or/and "CONFIRM""SUBMIT" or "ACCEPT" button, you further hereby consent that we may send you promotional material or details about our products and services which we think may be of interest to you.
The use of this Pineapple app and associated services shall not be available to any persons under the age of 16.
This agreement shall start when you: download the software that enables you to access the services on our Pineapple app and when you register and accept the Terms and Conditions applicable; or use the services available on our Pineapple app.
When you download the Pineapple app and finalise registration on your smartphone or tablet, you will be bound to these Terms and Conditions as soon as you make use of any of the services offered. Should you decide that you do not want to be bound by these Terms and Conditions before making use of the services, please uninstall the Pineapple app.
Pineapple grants you the right to install and use the Pineapple app on multiple devices that you control for the sole purpose of accessing the available services.
You are responsible for ensuring that your mobile device is capable of downloading the Pineapple app. No fee is payable for the downloading of the Pineapple app.
You are however responsible for paying all charges and costs of the network service provider that you incur when using the service channels, i.e. data charges.
To ensure that the Pineapple app operates correctly, you must use the recommended hardware and software. The Pineapple app has been designed to operate with your mobile device or tablet according to the manufacturer's specifications. Modifying the device or its operating system may result in the Pineapple app not operating properly or not operating at all.
For full functionality the app requires Android version 5 and up, as well as iOS version 8 and up. Older versions may experience difficulties or have limited app usage available.
You must also check for software updates regularly as these may contain certain important updates for the functioning of the Pineapple app.
It shall be your responsibility to delete or remove the Pineapple app from your mobile device if you transfer or sell your mobile device to a third person and we will not be held liable for any loss or damages should you fail to do so.
The right to use the Pineapple app is revocable, should we deem it necessary and appropriate.
Use of services of the Pineapple app
Once the Pineapple app is downloaded and you have registered, you will have access to use the services as provided for through the Pineapple app.
The following services are available in respect of the Pineapple app:
We may, from time-to-time, run Promotions and these may take the form of bonus offers (whether real-money bonuses or some other form of incentive), prize draws, competitions, contests, leagues, tournaments or other form of Promotion, or a combination of any of these.
The particular form of Promotion will be described, and full details set out, in the communications (such as e-mails, computer pop-ups and letters) we issue to tell you about each Promotion (each a Promotion Communication) and/or on the individual web landing page for the relevant Promotion.
For the purposes of all Promotions, the promoter is the entity you have contracted with under the Terms and Conditions of Use ("We", "Us" and "Our").
The period of time during which each Promotion will run (Promotion Period) will be specified in the applicable Specific Promotional Terms. Each Promotion will automatically close at the end of the relevant Promotion Period, at which point no further participation in that Promotion will be possible. Where no Promotion Period is specified the relevant Promotion will end when it is discontinued on the Platform.
To be eligible to participate in any Promotion, You must:
(a) be eighteen (18) years of age or older, or the legal age of majority in Your home country, state or province;
(b) be legally entitled to use our services in accordance with Our Terms and Conditions of Use;
(c) if the Promotion is specifically intended for players who are residents of and/or located in a particular country as stated in the applicable Specific Promotional Terms, be a resident of and/or located in that country;
(d) unless the applicable Specific Promotional Terms indicate that a "no purchase necessary" route is available and subject to section 5.2 below, have successfully completed registration on the Platform for the relevant service and opened a real money player account (Account) in accordance with Our Terms and Conditions of Use;
(e) satisfy any other eligibility criteria set out in the relevant sections of these Standard Promotional Terms in respect of certain general categories of Promotion and in the applicable Specific Promotional Terms; and
(f) not be an Unauthorised Person (as defined in section 6, below);
To be eligible to participate in any Promotion which is stated to be intended for new users or which is described as a "new user" or "sign up" offer (or similar), You must not previously have opened and made a deposit into an Account on any of Our Services. Such Promotions may not be used in conjunction with any other Promotion.
The identity of each participant in a Promotion will be determined from all or any combination of the following: name, address, email address, credit/charge/debit card number, IP address and other forms of identification which may be required. We reserve the right to request further information from you if you wish to participate in certain Promotions
Unless otherwise indicated in the Promotion Communication, participation in each Promotion is open to players from any of Our Platforms but is limited to one per person, family, household, address or organisation to whom we send the Promotion Communication.
We reserve the right to restrict participation in certain Promotions to players who fulfil specific selection criteria. Where a Promotion Communication permits multiple participants, we reserve the right, in our sole discretion, to limit the number of participants.
Unless otherwise indicated in the Promotion Communication, it is intended for the addressed recipient or category of recipient only and cannot be transferred. If you are not the intended recipient or within the intended category of recipient then the offer is null and void.
Officers, directors, employees, consultants or agents of Pineapple or any of its subsidiaries, parent or associated companies, or any of its or their respective suppliers or vendors (including advertising, printing and publicity agencies) or any officers, directors, employees, consultants or agents of any entity connected with any Promotion, or relatives of any of the foregoing persons, "relative" shall include, but not be limited to, a spouse, partner, child or sibling and any person residing in the same household as any of the foregoing persons.
Unauthorized Persons are not permitted to participate in any Promotion.
If a non-Qualifying User participates in any Promotion, We reserve the right, without prejudice to any other rights under the Rules, to seek the return of any bonus, payment, award or other prize, including from that user’s Account.
We reserve the right, at Our sole discretion, to disqualify any player who cheats or who tampers or attempts to tamper with the entry process for, or the operation of, any Promotion, or whose conduct is in breach of the Rules, contrary to the spirit of the Rules or the intention of the relevant Promotion, or might, in Our reasonable opinion, bring Us, any of Our Group companies or any of Our or their respective brands into disrepute.
Unless the applicable Specific Promotional Terms indicate that a "no purchase necessary" route is available (or such other dispensation is available), participation in any Promotion is subject to You having made the required minimum deposit as may be required from time-to-time into Your Account, once opened, (Qualifying Deposit) unless the Specific Promotional Terms specify that a different Qualifying Deposit amount is required.
Transfers made between user Accounts (user transferring money to user "B") and reverse cash outs do not qualify as deposits for the purpose of any minimum Qualifying Deposit requirements.
At the end of the free trial you will be given the option to become a paying member and will be notified of this option via the mobile application.
The Refer and earn referrals service is only available to clients and staff members.
When using the Refer and earn service, you hereby consent to us accessing the contacts from your device in order to gather their contact details. In the event that the contact details are not on your phone, you agree to provide the details of the person you wish to refer, manually through the application.
The FAIS Act states that a person who is not an authorised Financial Services Provider (FSP), accredited or is not a mandated representative of a FSP is not permitted to give advice on financial products or provide any financial intermediary services to any other person.
No referrer is allowed to give advice or intermediary services in respect of any financial service including but not limited to insurance, to prospective policy holders or act as an in-between insurance agent in any way.
Insurance law prohibits inducement and therefore no Referrer may offer a referee an incentive to become a policy holder with us. Therefore a referrer may not bring any prospective policy holder under the impression that he/she may be obliged in any way to take out a policy with us.
You must always act in accordance with the Terms and Conditions as set out above.
We will not be liable for any illegal or unlawful actions or misrepresentations made by the Referrer to the Referee in respect of this service or any Pineapple products. The referrer is not mandated to act as a representative, agent or authorised to incur any obligations or liabilities on our behalf or to give any warranties, representations or undertakings of any nature on our behalf
You are not permitted to use any of our logos, trademarks, slogans or any other device or form of intellectual property belonging to us in general and in particular relating to the services through this Pineapple app.
You may not copy, reproduce, display, reverse engineer or use any intellectual property in any manner whatsoever without our prior written consent.
By using Pineapple services and Application you agree to not copy content, processes, user experience, designs and methodologies in order to provide any service that is competitive or to create derivative works thereof.
Unauthorised or unlawful use of our intellectual property will result in us taking legal action you.
Amendment of agreement
Termination of agreement
We can terminate this agreement at any time or end your right to use the services provided through the Pineapple app upon providing you with reasonable notice. This will not affect instructions given to us whilst using the services available through the Pineapple app before the agreement has ended.
We reserve the right to terminate your right to use the services provided through the Pineapple app should any one or more of the following events occur:
You agree that we can provide information about the products or services offered through the Pinapple app or this agreement by any means, including but not limited to publishing a notice on our app itself or using electronic means, including SMS or email.
Every clause of this agreement is severable from the others including the clause headings. The clause headings have been inserted for convenience and will therefore not be taken into consideration in its interpretation. If one or more of the clauses are invalid it will not mean the entire agreement is invalid and as such the rest of the clauses contained in the agreement will still be valid and apply.
By using the Pineapple app you acknowledge and agree to the following Disclaimer.
Use of the app and the related products and/or services shall be governed by, and construed in all respects in accordance with the laws of South Africa, and subject to the exclusive jurisdiction of the South African courts. The content of the app is not provided for or intended for the use of customers and/or users outside the jurisdiction of South Africa.
Use of this Pineapple app or the information, products and services available on this Pineapple app is at the user's own risk. Notwithstanding the provisions of sections 43(5) and 43(6) of the Electronic Communications and Transactions Act, we accept no liability whatsoever relating to any loss, expense, claim or damage, whether direct, indirect or consequential, arising from the use and/or reliance upon the information on this Pineapple app or any actions or transactions resulting there from even if we have been advised of the possibility of such loss, expense, claim or damages.
We also do not endorse, warrant or make any representations about the content, products, services, security or reliability of such other products and services.
Please note we have no control over such third parties products or service. We are therefore not responsible for any loss or damage you suffer, whether directly or indirectly because of a third party's products or services or the use of such products or services. You hereby agree to indemnify us and hold us harmless for any loss, expense, claim or damage, whether direct, indirect or consequential, arising from or that you may suffer, or cause in this regard.
We are not responsible for any error or delay that may arise as a result of you being unable to access the services due to error on your equipment, software or services provided to you by third parties.
Whilst we will at all times use our best efforts to ensure that our app operates as it was designed by us, we cannot warrant that the services are compatible with, or will operate with your mobile device or any software/hardware that you have on your mobile device.
We make no representation or warranty, whether express or implied, as to the operation, integrity, availability or functionality of our app or as to the accuracy, completeness or reliability of any information obtained from this app.
We also make no warranty or representation, whether express or implied, that the products, information or files available on this app are free of viruses, destructive materials or any other data or code which is able to corrupt, compromise or jeopardise the operation or content of your mobile device, network or your hardware or software. You accept all risks associated with the existence of such viruses, destructive materials or any other data or code which is able to corrupt, compromise or jeopardise the operation or content of your mobile device, or your hardware or software.
We accept no responsibility for any errors or omissions on our app.
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.
Processing of account payments
Company may use third party electronic payment processors and/or financial institutions ("ESPs") to process financial transactions. You irrevocably authorize us, as necessary, to instruct such ESPs to handle such transaction and you irrevocably agree that Company may give such instructions on your behalf in accordance with your requests as submitted on the Site. You agree to be bound by the terms and conditions of use of each applicable ESP, and in the event or conflict between these Terms and the ESP's terms and conditions then these Terms shall prevail.
I/We the natural or juristic person agreeing, hereby authorize Pineapple on the Creditor’s behalf, to debit my/our banking account from time to time with varying amounts, at my/our cost for insurance, and to credit the Compass insurance’s account, payment being effected on the collection date.
If your banking details have not been provided accurately, or if your details change at any time in the future and you fail to notify Pineapple of such changes, or if payments are not made in accordance with the Debit Order Instruction, the responsibility for payment will rest with you.
If there are insufficient funds in your account to meet the obligations, Pineapple is entitled to track your account and re-present the instruction for payment as soon as sufficient funds are available in your account.
You agree to pay any bank and other charges relating to this Debit Order Instruction.
All payment instructions issued by Pineapple shall be treated by your bank as if the instructions have been issued by you personally.
This Instruction may only be cancelled by you giving Pineapple 30 days notice in writing. You will not be entitled to any refunds of amounts which have been withdrawn while this authority was in force, if such amounts were legally owing to Pineapple.
This Instruction cannot be assigned to any third party, unless your credit agreement is ceded or assigned to a third party, in which event you acknowledge that this Authority may then be ceded or assigned to that third party.
Receipts of this Instruction by Pineapple shall be regarded as receipt thereof by your bank.
The abbreviated name that will reflect on your bank statement is Pineapple Account.
If you do not give us your correct banking details, or if your banking details change at any time in the future and you don’t let us know about this, you will still be responsible for making sure that your Pineapple account is paid every month.
When we try to take money from your account in terms of the debit order instruction that you have given to us, and we see that there is not enough money in your account to cover this debit order, then we will keep tracking your bank account until we see that money has come into your account and it is enough to cover the debit order amount. We will then deduct the instalment owed to us.
If the bank charges fees for the debit order, you must pay these fees.
Your bank will see all instructions that we give it to take money from your account, as if the instructions have been given by you.
You must give us 30 days notice to cancel your debit order. If we take money from your bank account that is owed to us while your debit order is in place, during this 30 day period, we will not refund you this amount. If you cancel your debit order, it won’t affect your credit agreement that you have with us.
We cannot transfer any of our rights that you have given us under this debit order to any other party, unless we (TFG) transfer all of our rights in your credit agreement to another party.
We will treat this debit order instruction as if your bank has given it to us.
This is what will reflect on your bank statement when we take the money from your account
Cancellations and refunds
When your paid plan begins, you will receive an e-mail receipt. You may cancel at any time before the end of your first month, and you will not be charged. Thereafter, you may cancel Your Account at any time, and you will not be charged further; however, you will not receive a refund when you cancel. Directions for cancelling are below.
Insurance cover will end at the end of the month of cancelation
The User agrees to indemnify, defend and hold Pineapple, its partners, affiliates, contractors, officers, directors, employees and agents harmless against, all liabilities, damages and costs including attorney fees and costs payable to third parties arising out of a claim or dispute against Pineapple arising directly or indirectly from the User’s acts and/or omissions to act in using the Services pursuant to the Terms.
Pineapple shall not be liable for the content and/or information, or the accuracy thereof, as uploaded by the User.
In no event shall Pineapple, its licensors, its suppliers, or any third parties mentioned on the App or during the rendering of the Service be liable for any damages, including, without limitation, direct, indirect, incidental, special or consequential damages, personal injury/wrongful death, lost profits, or damages resulting from the use of or inability to use the App and/or Service, the content, or arising out of the use of or inability to use the Service, even if we have been advised of the possibility of such damages, whether based on warranty or contract and whether or not Pineapple, its licensors, its suppliers, or any third parties mentioned on the Pineapple Insurance App and Service are advised of the possibility of such damages.
Personal information for the purposes of this document means all information specific to you, which is provided to us through the use of our app. In other words, information that identifies you. This includes but is not limited to the following personal information that you may provide to us when using the app:
By using any of the services on our app you hereby consent that we may send you promotional material or details which we think may be of interest to you.
Please note that you will not be allowed to use the services unless you consent to us using your information for marketing purposes in the future.
By using the Pineapple you consent that select non- monetary information relating to your insurance, performance, asset-register, personal information and connectivity will be shown to other users in the interest of transparency and treating other community members fairly. If you wish to adjust what other users can see, you can do so from privacy settings on your profile.
User generated content:
You are solely responsible for your conduct and any data, text, files, information, usernames, images, graphics, photos, profiles, audio and video clips, sounds, musical works, works of authorship, applications, links and other content or materials (collectively, "Content") that you submit, post or display on or via the Service.
You must not create or submit unwanted email, comments, likes or other forms of commercial or harassing communications (a/k/a "spam") to any Pineapple users.
Finding friends on Pineapple:
Note about "Invite Friends" feature: If you choose to invite someone to the Service through our "Invite friends" feature, you may select a person directly from the contacts list on your device and send a text or email from your personal account. You understand and agree that you are responsible for any charges that apply to communications sent from your device, and because this invitation is coming directly from your personal account, Pineapple does not have access to or control this communication
Automatically Collected Information
In addition, the Application may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile devices unique device ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browsers you use, information about the phone you are using and information about the way you use the Application.
When you visit the application, we may use GPS technology (or other similar technology) to determine your current location in order to determine the city you are located within. We will not share your current location with other users or partners.
If you do not want us to use your location for the purposes set forth above, you should turn off the location services for the mobile application located in your account settings or in your mobile phone settings and/or within the mobile application.
We use third-party analytics tools to help us measure traffic and usage trends for the Service. These tools collect information sent by your device or our Service, including the web pages you visit, add-ons, and other information that assists us in improving the Service. We collect and use this analytics information with analytics information from other Users so that it cannot reasonably be used to identify any particular individual User.
Do third parties see and/or have access to information obtained by the Application?
Yes. We will share your information with third parties only in the ways that are described in this privacy statement.
We may disclose User Provided and Automatically Collected Information:
as required by law, such as to comply with a subpoena, or similar legal process; when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request; with our trusted services providers who work on our behalf, do not have an independent use of the information we disclose to them, and have agreed to adhere to the rules set forth in this privacy statement.
Obtaining credit information from 3rd parties
By using the Pineapple app you are consenting we may obtain your credit, ITC, and vehicle details from selected 3rd party service providers. We may also collect and use publicly available data relating to you or your assets.
Data Retention Policy, Managing Your Information
There may be links from the Service, or from communications you receive from the Service, to third-party web sites or features. There may also be links to third-party web sites or features in images or comments within the Service. The Service also includes third-party content that we do not control, maintain or endorse. Functionality on the Service may also permit interactions between the Service and a third-party web site or feature, including applications that connect the Service or your profile on the Service with a third-party web site or feature. For example, the Service may include a feature that enables you to share Content from the Service or your Content with a third party, which may be publicly posted on that third party's service or application.
We will retain User Provided data for as long as you use the Application and for a reasonable time thereafter. We will retain Automatically Collected information for up to 72 months and thereafter may store it in aggregate. If you’d like us to delete User Provided Data that you have provided via the Application, please contact us at info@Pineapple.co.za and we will respond in a reasonable time. Please note that some or all of the User Provided Data may be required in order for the Application to function properly.
We do not use the Application to knowingly solicit data from or market to children under the age of 13. If a parent or guardian becomes aware that his or her child has provided us with information without their consent, he or she should contact us at info@Pineapple.co.za We will delete such information from our files within a reasonable time.
We are concerned about safeguarding the confidentiality of your information. We provide physical, electronic, and procedural safeguards to protect information we process and maintain. For example, we limit access to this information to authorized employees and contractors who need to know that information in order to operate, develop or improve our Application. Please be aware that, although we endeavour to provide reasonable security for information we process and maintain, no security system can prevent all potential security breaches.
Your privacy is important to us. We will therefore not sell, rent or provide your personal information to unauthorised entities or other third parties, for their independent use, without your consent, excluding in app information relating to your insurance/ asset activity.
If at any stage, after you have given us your consent, you no longer wish that we use your personal information, you may at any stage withdraw your consent by uninstalling the Pineapple app from your mobile device and notify us either telephonically or by email of the withdrawal of your consent.
We have the highest regard for the privacy of the personal information obtained through the use of our app, and therefore will only use the personal information obtained subject to the Terms and Conditions of this agreement and for the purpose for which it was collected and only for the purposes of positively identifying the user when the app is accessed as well as in order to quote you.
We value the information you chose to provide and which we collect from you and will take reasonable steps to protect your personal information from loss, misuse or unauthorised alteration.
The information we maintain concerning you is stored in databases that have built-in safeguards to ensure the privacy and confidentiality of that information.
In this regard however, we cannot guarantee the security of any personal information that you disclose through our app. You therefore accept the inherent risk of providing information when using our app and will not hold us, our directors, employees or agents responsible for any breach of security.
The following are the instances when we will be entitled to disclose the personal information obtained from you:
Pineapple Disclosure Notice
Insurance related disclosures and details
1. Your Insurance Digital Intermediary:
If you have a claim or require any amendments to be made to this policy, please contact your Digital Intermediary.
Trade name: PINEAPPLE TECH (PTY) LTD
Business name: Pineapple Tech - Authorised Financial Services Provider
Registration no: 2017 / 070966 / 07 Registered Company
FAIS Licence no: 48650Authorised Financial Services Provider
Adel Walker, Tel no: 011 7458333, Fax no: 011 7458444
Marnus van Heerden, Tel no: 012 6730000,
Your Digital Intermediary:
The Digital Intermediary fees will comprise of:
System, artificial intelligence and analytics fee: 6.5%
Enter into, vary and renewal of policy: 3.5%
Determination of policy benefits and rewards: 1.5%
2. The Insurer (Underwriting this Policy):
Name: Compass Insurance Company Ltd
FSP no: 12148
Registration no: 1994/003010/06
Postal address: PO Box 37226Birnam Park2015
Physical address: KPMG Wanooka PlaceSt Andrews RoadParktown0084
Contact details: 011 7458333
KPMG Wanooka PlaceSt Andrews RoadParktown
Tel no: 011 7458333, Fax no: 011 7458444
KPMG Wanooka PlaceSt Andrews RoadParktown0084
3. The Administrator
The Claims Administration which is usually done by the above insurance company has been contracted out to:
Name: Brolink (Pty) Ltd
Authorised Financial Services Provider
Registration no: 2004/010734/07
FAIS License no: 10834
Postal address: PO Box 9346, Centurion, 0046
Physical address: 254 Hall street, Westend Office Park, Centurion, 0057
Contact details: Tel no: 012 673 0000, Fax no: 012 673 0011,
Compliance department details:
Name: Syncerus Business Solutions (Compliance)(Johann Boshoff)
Address: 7 9th Street, Menlo Park, 0181
Contact details: Tel no: 012 346 3820, Fax no: 012 346 3926
If you have submitted a complaint with your Digital Intermediary and the complaint remains unresolved, please contact Brolink (Pty) Ltd.
Note that for the work Brolink (Pty) Ltd does on behalf of the insurance company, they pay Brolink (Pty) Ltd a fee of 3.5% (including VAT) of the premium.
4. The SASRIA Insurer:
SASRIA cover attaches to your underlying policy. SASRIA covers damages caused by acts of terrorism or violence calculated to overthrow the State or to further a political aim. It also covers damages caused by riot, strike or public disorder.
If you have any complaints relating to the non-disclosure or inadequate disclosure of the information to which you are entitled, please contact SASRIA's compliance department at:
Name: SASRIA SOC Ltd Reg No 1979/000287/06
Postal address: PO Box 653367, Benmore, 2010
Physical address: 36 Fricker Road, Illovo, Sandton, 2196
Contact details: Tel no: 011 214 0800/ 086 172 7742,Fax no: 011 4478630,
Compliance Officer: Mr Mziwoxolo Mavuso
Compliance Officer contact details: Tel no: 011 881 1311
Compliance Officer email: firstname.lastname@example.org
Complaints Contact: The Manager Technical and Claims
SASRIA SOC Limited
PO Box 653367
Complaints email: email@example.com
Claim notification procedures:
In the event if a claim, all relevant documentation relating to your claim must be submitted to the Non Mandated Intermediary, the name.
SASRIA Non Mandated Intermediary / and address of whom appears below.
Contact details Compass Insurance Company Limited
PO Box 37226Birnam Park2015
Tel no: 011 745 458333
5. The Ombuds:
We are committed to the prompt and fair resolution of any complaint lodged in respect of our rendering of a financial service. Should you wish to obtain a copy of our Complaints Resolution Policy, kindly contact our Compliance Officer at the particulars provided in this notice. Should a complaint which pertains to advice or intermediary services provided after 1st October 2004, not be resolved within 6 weeks, or you are not satisfied with the resolution decision, you have the right to refer the matter to the Ombud for Financial Services Providers. You have 6 months in which to do this.
PO Box 74571, Lynwood Ridge, 0040
Sussex Office Park, Ground Floor - Block B, 473 Lynnwood
Road, Corner of Lynnwood Road and Sussex Avenue, Lynnwood, 0081
012 470 9080 or 0860 324 766
012 348 3447 or 012 470 9097
If you require advice on complaints in respect of claims or other matter which have not been satisfactorily resolved, you may contact:
Short-term Insurance Ombudsman (for personal claims complaints/queries):
Postal address: PO Box 32334, Braamfontein, 2017
Tel no: 011 726 8900
Fax no: 011 726 5501
Sharecall: 0860 726 890
6. Registrar of Short-term Insurance / Financial Services Board:
Postal address: PO Box 35655, Menlo Park, 0102
Tel no: 012 428 8000
Fax no: 012 346 6941
Contact centre: 0800 11 04 43 or 0800 20 20 87
7.1 When applying for insurance all material facts must be accurately and properly disclosed. The accuracy and completeness of all answers, statements or other information provided by you or on your behalf, are your own responsibility.
7.2 If your Digital Intermediary completes or submits any transaction requirement on your behalf, you should be satisfied as to the accuracy and completeness of the details.
7.3 Misrepresentation or non-disclosure of a material fact or the inclusion of incorrect information at the time of proposing for insurance may at any time lead to the avoidance of the policy from inception and a forfeiture of all premiums paid.
7.4 On request you are entitled to be supplied with a copy or written or printed record of any transaction requirement within a reasonable time.
7.5 The premium and fees payable by you are shown on the schedule of this policy.
7.6 For a monthly paid policy the premiums are payable each month on the day of the month you selected when arranging this policy.
7.7 Depending on the specific policy, if the premium is paid by debit order and is dishonoured by your bank:
8. Claims Procedure
The procedure for the submission of claims in detailed in the policy wording.
SASRIA DISCLOSURE NOTICE
Sasria SOC Limited
P.O. Box 653367, BENMORE, 2010
36 Fricker Road, Illovo, Sandton, 2196
Tel: +2711 214 0800 or 086 172 7742 (Switchboard)
Fax: +27 11 447 8630
Reg. No. 1979/000287/06
VAT Reg. 4140119340
FSP Licence No.: 39117
COUPON POLICY FOR SPECIAL RISKS INSURANCE
In consideration of the prior payment of the premium stated in the coupon and the receipt thereof by or on behalf of Sasria SOC Limited,(hereinafter called the Company) and subject to the underlying policy being current and valid at the effective date as stated in the Schedule, the Company will by payment or at its option by reinstatement or repair indemnify the insured during the Period of Insurance up to an amount not exceeding the total sum insured in respect of each item and not exceeding in the aggregate during the said Period of Insurance, the total insured value, or the aggregate limits of liability as stated in the proviso hereunder, whichever is the less against loss of or damage to the property insured directly related to or caused by:
In this Coupon Policy, the term "Public Disorder" shall be deemed to include civil commotion, labour disturbances or lockouts.
Notwithstanding anything to the contrary, where One Insured is insured by one or more current and valid insurance (other than Contract Works and/or Construction Plant and or Motor) issued by or on behalf of the Company, the annual aggregate liability of the Company under all such Insurances shall be limited to the sum of R500 million (five hundred million Rand), or up to R 1,5 billion, if the Insured has chosen the optional Excess of Loss R 1 billion cover, where the property insured is in the Republic of South Africa.
For this purpose ONE INSURED shall mean:
Any Single One Insured, a Ho
by the Companies Act, 1973) or Subsidiary of the Holding Company
In the case of One Insureds other than Companies, the Company reserves the right to determine who the One Insured is for this purpose.
PROVIDED FURTHER that this insurance does not cover:
It is agreed that, regardless of any contributory cause(s), this insurance does not cover loss (es) in any way caused or contributed to by an act of terrorism involving the use or release or the threat thereof of any nuclear weapon or device or chemical or biological agent.
For the purpose of this exclusion an act of terrorism means an act, including but not limited to the use of force or violence and / or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or personal purposes or reasons including the intention to influence any government and /or to put the public, or any section of the public in fear.
If it is alleged that by reason of this exclusion any loss (es) is not covered by this Coupon the burden of providing the contrary shall be upon the insured.
The Agent or Intermediary will advise Sasria of a loss within thirty (30) days from the date they receive the claim.
A claim shall not be payable if twenty four (24) months have elapsed since the occurrence of the Insured Event unless the claim is subject of pending legal action or final assessment of the loss by the Insurer have not been reached.
Where Property Insured is extended under the Replacement Value Clause and is the subject of a lease, rental, hire or similar agreement which requires the Insured to insure and/or be responsible for the property at an agreed value then the measure of cover provided shall be the agreed value as stipulated in the lease, rental or hire agreement. The definition set out under the Basis of Loss Settlement on the underlying policy shall not apply in respect of a claim under this clause but always limited to thetotal Sum Insured.
Misrepresentation, misdescription and non-disclosure
Misrepresentation, misdescription or non-disclosure in any material particular shall render voidable the particular item, section or sub- section of the policy, as the case may be, affected by such misrepresentation, misdescription or non-disclosure.
Continuation of cover (where premium is payable by bank debit order or by transmission account)
The premium is due in advance and, if it is not received by the company by due date, this insurance shall be deemed to have been cancelled at midnight on the last day of the preceding period of insurance unless the insured can show that failure to make payment was an error on the part of his Intermediary or Sasria agent.
Nothing contained in this Policy shall give any rights against Sasria to any person other than the Insured. Sasria shall not be bound by any passing of the interest of the Insured otherwise than by death or operation of law.
(a) Exception A(i), A(iii)(b), A(iv), A(v), A(vi) and A(vii) to the extent that A(vii) refers to A(i), A(iii)(b), A(iv), A(v) and A(vi);
The Sum Insured under the policy and this section in respect of each item will not be less than the amount of such estimate, and may be adjusted for renewal provided this is done within a two months period of the renewal date.
the requirements of the Insured provided that the exceed the cost which would have been incurred had reinstatement been carried out on the original location.
shall be deemed to be incorporated in this Coupon Policy and shall as a condition precedent to any liability hereunder relate to and be complied with by the Insured accordingly.
The reference to Exceptions A(i), A(iii)(b), A(v), A(vi) and A(vii) and to the Burden of Proof Clause in Exception A is a reference to those Exceptions as they appear in the Standard S.A.I.A. Exceptions which the Nominated Insurer is obliged to incorporate in his Policy. Should the numbering in the Underlying Policy not correspond with the numbering of the Standard S.A.I.A. Exceptions the above references shall apply to the corresponding Exceptions in the Underlying Policy mutatis mutandis.
Pineapple Policy Wording
Insurance conditions of the Pineapple "My Stuff" policy
1. IMPORTANT DEFINITIONS
2. WHAT EVENTS WE COVER YOU FOR
The general guideline in insurance is the event must be sudden and unforeseen.
You’re insured items are covered for accidental damage or loss as a result of:
3. WHAT EVENTS WE DON’T COVER YOU FOR (4 golden guidelines)
The general guideline in insurance is the event must not be gradual (slow onset and long time to happen) and reasonably foreseeable and preventable.
The damage must also not be the responsibility of another party (i.e guarantees/ warrantees are the manufacturers responsibility) or on intangible related asset (such as the software, we insure the physical asset).
Accidental damage or loss does NOT include any of the following (examples of what is specifically excluded):
4. GENERAL TERMS AND CONDITIONS
5. YOUR RESPONSIBILITIES
6. HOW TO CLAIM?
6.1 Important time limits
If you go beyond any of these time limits, your right to the payment of the claim will lapse:
7. HOW MUCH WE PAY WHEN YOU CLAIM.
We can choose to replace or pay
We will pay you out based on the replacement cost, or amount specified (the lower of the two), of any damaged or lost insured items (as on My Stuff) provided you adhere to all the policy requirements and your premiums are paid on or before the due date (as reflected on My Stuff).
2.1 You always pay the first amount, or excess
You will always have to pay the first part of any claim settlement. This is known as the excess, and this information is available on the policy schedule.
2.2 What if you are under-insured?
If you have insured your insured items (as on My Stuff) for less than its replacement value – i.e. you are under-insured – then you will have to bear a proportion of any loss in the event of a claim. In calculating this, we will apply the principle of average.
8. WHAT CAN YOU DO IF YOUR CLAIM IS REJECTED?
If we reject or dispute your claim, you have the right to appeal that decision. Send your complaint, in writing, to:
Adel WalkerEmail address firstname.lastname@example.org
Please note: You have 90 days from receipt of our rejection or dispute to lodge your appeal. If we maintain our rejection, and you wish to start legal action against us, you have a further 180 days to do this.
At any stage of a claim, you have the right to communicate with the Insurance Ombudsman, an independent body that investigates insurance complaints from consumers. The contact details are:
Ombudsman for Short-term Insurance
Tel: 086 066-2837
PO Box 32334 Fax: 011 726-5501
Thank you for reading!!!
Terms & Conditions
Office 201, 10 Kramer road, Sandton, Johannesburg.
1 American Row, Hartford, CT, 06102
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