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
- 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" refer to Pineapple Tech.;
-The words "you" or "your" refer to a client or a non-client.
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.
By the continued use of the app you agree that you consent to the newest version of the terms and conditions which may change from time to time and can be accessed here (https://www.pineapple.co.za/terms-only).
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:
- Community Engagement
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, rewards programs, 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 members who fulfill 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.
Pineapple reserves the right to change the value of rewards points or promotional items or the cost of rewards at any time and to limit access to rewards to any person of their choosing, at the sole discretion of Pineapple
You agree to repay any voucher amounts that are issued to you as a result of falsified transactions created, including but not limited to such events such as creation as false accounts and policies where the intention is not to retain cover.
With regards to promotions including, but not limited to, challenges such as "Drive Less, Get Blessed"TM Pineapple reserves the right to terminate or amend such promotions at any time at Pineapple's sole discretion.
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
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 commit fraud or we suspect that you have done so;
- Where we are under the impression that your behaviour was inappropriate or constitutes misconduct.
- If you breach this agreement;
- If you no longer have access to the equipment or services necessary to use the services. For example where the cellular phone company has deregistered your contact number.
- If the law requires us to do so.
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.
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:
- Your name and surname;
- RSA identity number or date of birth;
- Contact numbers;
- E-mail address.
- Behavioural data
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.
Pineapple is allowed to contact you via email, push notification, Whatsapp, phone calls, SMS or other forms of communication to inform you of offers, product information, special offers, discounts and competitions.
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 Pineapple you consent that select 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.
By using Pineapple you further consent to Pineapple’s cross-border transfer of your personal information as may be required.
All information collected is processed solely for the purpose it is obtained, namely offering and providing Pineapple services, products and ancillary processes enabling Pineapple services and products.
Pineapple may use the data you provide to determine product and service eligibility and fulfil necessary ancillary processes required to administer such products and services.
Data collected is done so in accordance with the POPI Act and is processed and utilized in accordance with POPIA requirements.
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.
- If you choose, you can use our "Find friends" feature to locate other people with Pineapple accounts either through (i) your contacts list, (ii) third-party social media sites or (iii) through a search of names and usernames on Pineapple.
- If you choose to find your friends through (i) your device's contacts list, then Pineapple will access your contacts list to determine whether or not someone associated with your contact is using Pineapple.
- If you choose to find your friends (iii) through a search of names or usernames on Pineapple then simply type a name to search and we will perform a search on our Service.
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.
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:
- When any regulatory authority for the various financial sectors requests same; To comply with any regulation passed under relevant legislation, or any legal process; To enforce and protect our rights and property(including intellectual property) ;
- When you have expressly authorised us to do so.
We want to create an open, caring and respectful Community. To help us do this, you agree that your use of the Community and your Contributions must:
- be accurate and genuinely believed
- avoid quoting out of context and include a credit for the original author as the source of material
- comply with all applicable domestic, foreign and international laws that govern the content which makes up the Contribution
You also agree that your use of the Community and Contributions will not:
- be defamatory, unlawful, obscene, offensive, hateful, abusive, inflammatory, threatening, invasive of anyone’s privacy, or otherwise objectionable
- promote discrimination on grounds of race, sex, religion, nationality, disability, religion or belief, sexual orientation, being a transsexual person, or age
- infringe any intellectual property rights including copyright, design right, database right, patents, trade mark, moral or performer’s right or any other third party right
- be likely to harass, upset, alarm or cause distress to any other person
- contain an instruction, advice, or content that could cause harm or injury to individuals or to computers or systems
- encourage anyone to commit any unlawful or criminal act or condone any unlawful or criminal act
- give the impression that the Contribution emanates from Bupa (or any of its group companies) if this is not the case, or impersonate any person, or misrepresent your identity or affiliation with any person
- contain any advertising, canvassing or business acquisition messaging or redirect customer to different websites or products
Whenever you upload material to the Community, or to make contact with other users of the Community, you must comply with our Acceptable Use Standards. You warrant that any such contribution does comply with those standards, and you indemnify us for any breach of that warranty.
We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our site is defamatory of them, a violation of their intellectual property rights, or of their right to privacy.
We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our site. We reserve the right to restrict access to any function, service or tool within the app if these terms are violated
Authorised Financial Services Provider (FSP): Pineapple is an authorised financial services provider - we do not give financial advice
As displayed on the app we will store, process and share your information: We will store and process your information, and share it with our partners (for the purpose of fulfilling the insurance contract only). We will also assess your data held with information bureaus at our discretion. We need to do so to meet our obligations to you under this contract and in the normal course of business.
Replacement of existing cover : when cancelling an existing cover you must consider the following :
- Current insurer charging a cancellation fee
- Checking the product features and benefits (excess fee and what you are covered and not covered for)
- Exclusions differences between our policy and the current policy
- Premiums and annual premium increases
As you know we do not give financial advice and you need to decide if replacing is the correct decision for you
Please review all data provided on the app carefully. Your cover is based on this information and incorrect answers may result in claims not being paid at claim stage
Please note that every chat on the app and calls will be kept for record keeping and can be made available to you upon request
Please note that if we do give you a call the person calling you may be acting under supervision.
Crash Detect Disclaimer
Our crash detection solution utilizes a scientifically developed and extensively validated system. In addition to crash pulses collected from dedicated lab facilities, the system is enhanced with data on an ongoing basis in order to improve results and accuracy.
Pineapple does not warrant or make any representations whatsoever about the reliability or effectiveness of the automatic crash detection feature.
Pineapple does not guarantee that the crash detection feature will always detect a crash and/or that on detection of a crash it will always notify the elected services/contacts and/or that the notifications will be correct or sufficient.
By adding a contact as a crash detect emergency contact, you are confirming that you have sought the permission needed from that individual for Pineapple to send them communications in accordance with the POPI Act, and agree to indemnify Pineapple against any damages suffered as a result of not doing so.
Pineapple reserves the right to suspend, disable and/or alter the usage of the crash-detection service at any time, without notice to the user.
Pineapple does not take responsibility for any damages (of any nature whatsoever, including, without limitation, direct, indirect or consequential damages) incurred or sustained as a result of the action or inaction of the crash detection feature or related services. The use of the crash detection feature is at the users own risk.
The user of the crash detection feature holds Pineapple harmless and indemnifies it against all and any loss of any nature whatsoever that the user and/or his/her passengers and/or any other third party may suffer as a result of the action and/or inaction of the crash detection feature.
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.
Payment on products underwritten by Old Mutual Insure
Having a monthly policy means that your policy runs for a period of one month, and you pay your premium each month in advance.
Your policy is automatically renewed each month if you pay your next monthly premium on time. It is your responsibility to ensure that there are sufficient funds in your bank account so that the debit order can be processed on the relevant Debit Date.
- Debit Date: this is the day of the month on which you have requested us to collect your monthly premium from your bank account (e.g. the 25th of each month).
We will make use of an authenticated debit order collection process which allows you to electronically confirm your debit order details with your bank and us (on a once-off basis) at the start of your contract
If you do not authenticate the debit order collection of your premium, we will make use of an Early Debit Order Service provided by certain South African banks to collect your premium if it is unpaid on the Debit Date that you have chosen, due to insufficient funds in your account. This service allows us to track your bank account and deduct the premium when enough money is available
For your policy to start we must receive your premium for the first month, or part thereof, in advance. If we do not receive your premium, your policy will not start. We will amend your Cover Start Date to your next permissible Debit Date and will re-attempt to debit your account. If we are still unable to collect your premium, your policy will not start.
For your policy to renew each month you must pay your premium in advance every month by no later than the Debit Date.
If you do not pay your premium, we will automatically attempt to collect the premium after 15 days. If we are unable to collect your premium, you will not have cover for this Period of Insurance.
At your next Debit Date, your cover will resume and we will attempt to collect your premium. If we are still unable to collect your full monthly premium, your policy will automatically be cancelled from the first Debit Date on which you did not pay your premium. You will have no cover for any Period of Insurance that you did not pay for.
IMPORTANT: The 15 day period described above will only apply from the second month from your Cover Start Date. The 15 day period will not apply if we have never received a single premium payment from you. In this case, non-payment will result in the policy being automatically cancelled with effect from the Cover Start Date.
Where the Debit Date falls on a public holiday or Sunday, the premium will be collected on the last working day prior, or the first working day thereafter.
If you put a stop payment on your premium, the policy will be cancelled automatically from the Debit Date on which you did not pay your premium.
We will charge a non-refundable recollection fee of R50.00 for each failed premium collection, irrespective of the rand value, as a result of any of the following reasons for the rejection of your debit order:
- if there are insufficient funds in your account;
- if you cancelled the authorisation of the debit order; or
- if you provided the incorrect banking details when the policy was taken up by you.
We will not charge you interest on late payment of premiums.
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.
Regulatory Notices and Exemptions
Pineapple is an authorized Financial Services Provider (FSP 48650).
The Financial Sector Conduct Authority has, under section 44(4) of the Financial Advisoryand Intermediary Services Act, 2002 (“the Act”), read with section 281(3)(b) of the FinancialSector Regulation Act, 2017, exempts Pineapple Tech (Pty) Ltd to the extent detailed in the Notice entitled THE EXEMPTION OF PINEAPPLE TECH (PTY) LTD, 2020
General Terms and Conditions
IMPORTANT INFORMATION ABOUT YOUR POLICY
1.1 The Insurer is underwritten by Old Mutual Insure Limited (Reg. No: 1970/006619/06), VAT No: 4460101019), an authorised Financial Services Provider (FSP 12) which provides your insurance cover (‘cover’). Your insurance policy will remain in force for as long as your premium is received (this is called the Period of Insurance). The cover provided is always subject to all the terms and conditions explained throughout your policy document.
1.2 These general terms and conditions apply to every section of your policy. There are also terms and conditions that apply to specific sections under your policy. You must ensure that you understand all sections of your policy document. Please contact us if you have any questions.
1.3 The Insurer compensates you for loss or damage you suffer from Covered Events shown in the policy, less any Excess you must pay.
1.4 You accept that the sharing of your insurance information between insurers, including credit information, for underwriting and claims purposes, is in the public interest. It enables insurers to underwrite policies, assess risks fairly and reduce fraudulent claims so that premiums can be limited.
1.5 The information that you provide to us may be stored in a shared database and used as set out above. It may also be used for any decision about your policy, or for the purposes of processing a claim.
1.6 Your information will only be used for the primary purpose for which it was supplied or for secondary purposes related to the primary purpose. This implies that you consent to your information being provided to another insurance company or its agents, and acknowledge that any information about you may be verified against legally recognised sources or databases.
1.7 This policy is based on, and includes, any information or communication, verbal or written, made by you or on your behalf.
1.8 Examples are given where necessary to explain certain concepts within the policy document. These examples are for clarification purposes only and do not form part of the policy.
1.9 Any reference to the singular includes a reference to the plural and vice versa.
1.10 Compensation Limits and all premiums are inclusive of VAT at the standard rate. With the direction of the Commissioner in terms of S20(7) of the VAT Act, this policy document together with proof of payment of the insurance premium constitutes a valid tax invoice. All amounts are in South African Rand, including premiums and any amounts we may pay to you. All Excess amounts are exclusive of VAT.
PURPOSE OF YOUR INSURANCE
2.1 The purpose of insurance is to put you in the same financial position you were in before any Covered Event occurred less any Excess you must pay. To be compensated, you must have complied with all policy terms and conditions. There are limits to the compensation for the events or items you insure. Please see your Policy Schedule for these limits.
The following definitions apply throughout the policy and all relevant documentation. The definitions specific to each Policy Section can be found at the start of that Section. You/your/yourself/yours:
Means you, the policyholder and includes your spouse/partner and or any family members who live with you and who are financially dependent on you. The Insurer/we/us/our:
Refers to Pineapple underwritten by Old Mutual Insure Limited (Reg. No: 1970/006619/06), VAT No: 4460101019), an authorised Financial Services Provider (FSP 12).
Means a person who is:
- the partner of the policyholder in any marriage, civil union, or customary union recognised by South African law; or
- living with the policyholder in a relationship that is intended to be permanent and who is named in the Policy Schedule.
Refers to any other person to whom you may become legally Liable to pay compensation/damages for accidental death or accidental bodily injury or illness of that person, or for accidental loss of, or damage to property belonging to that person occurring during the Period of Insurance.
This sets out the type of cover you have bought, the people who are insured, the Period of Insurance, the amounts you are insured for, the Excesses that apply and the premium you must pay. Any changes to your policy will be shown in your Policy Schedule.
Refers to a part of your insurance policy document which is specific to the type of valuable you have chosen to insure, such as Motor Vehicles, Household Contents, Buildings etc.
Liability, and being held liable, means that you are responsible or accountable in terms of the law.
Means the events that you are insured for. The Covered Events are shown in each Policy Section of your policy document.
Period of Insurance:
Means the period from the Cover Start Date of your insurance to midnight prior to the same day of the month one month later. Your Period of Insurance is shown in your Policy Schedule.
Cover Start Date:
Means the latest of the following dates you have agreed to with the Insurer:
- The date on which cover starts, as shown in your Policy Schedule
- The date that any change to your cover becomes effective, as shown in your Policy Schedule.
Means the date 12 months after the Cover Start Date of your policy, unless your Policy Schedule specifically states otherwise.
Means the first amount you must pay before your claim is settled. This Excess is shown in your Policy Schedule.
SASRIA SOC Limited:
The South African Special Risk Insurance Association.
The maximum amount for which you are insured, as shown in your Policy Schedule. In terms of Motor Vehicle insurance, the Compensation Limit is determined by the Insured Value Type you have chosen.
Total Loss of an Insured Item:
Refers to the Total Loss of your insured Vehicle (see Helpful Definitions in the Motor Vehicles Policy Section) or the theft, accidental loss, complete destruction (or damage beyond repair) of an item insured under any Policy Section.
Consequential loss is any additional loss or damage that happens as a result of a Covered Event
3.2 IMPORTANT: The information you supplied to us when you applied for insurance, your Policy Schedule and the cover terms and conditions all form part of your policy and must be read together as one document.
4.1 You must check all the information you have provided to make sure it is correct, including material information. Material information is information that a reasonable person would consider essential to the Insurer in order to properly assess your risk. In assessing your risk, we can decide whether or not to insure you, what premium to charge for your risk, and whether to apply additional terms and conditions.
4.2 IMPORTANT: All information provided by you will be validated at claims stage.
Examples of material information: Previous cancelled short-term insurance policies, rejected claims, burglaries, accidents or judgements against you.
4.3 If you do not provide us with correct information, it could be interpreted as a misrepresentation, omission or non-disclosure and we will:
(a) reject your claim;
(b) declare your policy invalid from the Cover Start Date of the policy;
(c) cancel your policy;
(d) recover any compensation we have given you in settlement of previous claims; or
(e) refund premiums paid by you where applicable (less cost incurred by Us during the period of cover and subject to a maximum backdated refund period of 12 months).
4.4 You must inform us immediately if any information we have about you and/or the items you have insured changes, or is no longer true and complete. Where material information of the policy has changed and a refund is due as per the rules set out above, the refund is subject to a maximum backdated refund period of 12 months
- Moving to a new residence (temporary or permanent).
- Changing the regular driver of your insured motor vehicle (temporarily or permanently).
- Convictions for offences relating to dishonesty against you or any person covered under this policy.
4.5 You need to take all reasonable precautions to prevent loss or damage, Liability, bodily injury and accidents.
Example: If your vehicle is insured with us, you must make sure it is kept roadworthy (e.g. ensure that tyres, brakes, windscreen, etc. are in good, working condition).
- An example of failing to take due care would be driving while the oil level warning light is on, as a result of a damaged oil sump, which then causes engine damage.
4.6 If there are any inconsistencies between your Policy Schedule and the rest of the policy document, the contents of the Policy Schedule will apply.
COUNTRIES IN WHICH YOU ARE COVERED
5.1 Your policy applies to South Africa, Botswana, Lesotho, Mozambique, Malawi, Namibia, Swaziland and Zimbabwe.
5.2 Please note however, that Personal Liability and General & Specified Items cover apply worldwide. Refer to the countries that are specifically excluded in each of your Policy Sections
WHAT TO DO IF YOU HAVE A CLAIM
6.1 If an event happens that is likely to result in a claim, you must notify us as soon as possible, but no later than 30 days from the date of the incident. You can notify us via the downloadable Pineapple Application or website (www.pineapple.co.za). If you do not do so, you will lose your right to lodge a claim under this policy. When submitting a claim to us you must provide:
(a) full details of the event;
(b) all information and assistance that we may ask you for in order to obtain compensation from other persons;
(c) information relating to any other insurance policy you may have covering the same event;
(d) proof of purchase, ownership and value statements and any other information that we may need within our specified timeline (may vary from 2 to 14 working days depending on the circumstances of the claim);
(e) the damaged item (if requested) that you are claiming for; andf) any correspondence or other documents (for example, court papers or legal letters) you have received in relation to the claim.
6.2 You must also provide reasonable help to:
(a) take steps against any other person to recover compensation we have given you; and
(b) identify and recover any items that were reported lost or stolen and subsequently found.
6.3 We will reimburse you for any reasonable expenses you may incur in the course of helping us to process a claim. If you decline to help us, you will be required to reimburse any compensation we have given you.
6.4 IMPORTANT: You must obtain a claim number from us to confirm that your claim has been registered. If you have not obtained a claim number, it means that we have no record of your claim.
6.5 Unless we give you our written consent, you must not:
(a) admit you are at fault, whether verbally or in writing;
(b) make any promises; or
(c) offer or accept any form of compensation
6.6 You must notify the police of any traffic accident, or any incident that involves a crime (for example, theft or deliberate damage) within 48 hours of the incident. You must then provide us with the case number.
6.7 You may report a minor vehicle accident on the Pinneapple Application. You will be directed to a website which will automatically generate a Crash Report Number (CRN) for insurance claims. Note the following:
(a) You must report the minor accident within 24 hours or the next working day.
(b) You cannot report an accident on this platform if anyone was injured, killed or involved in a hit-and-run and if the accident involved five or more vehicles.
6.8 You must tell us immediately if there is an incident that might lead to a claim against you. If you do not do so, we may decide not to give compensation for the claim. You must send us copies of any document/s (including legal proceedings) relating to the incident.
6.9 You must comply with all reasonable instructions and requests from the Insurer. We will not consider your claim if you do not comply with all of our reasonable instructions and requests.
6.10 The Insurer may take over and conduct the defence, recovery or settlement of any claim on your behalf if we have accepted your claim.
HOW YOU WILL BE COMPENSATED
6.11 If we agree to settle your claim, we may choose one or more of the following ways to give compensation:
(a) pay for a repair at a repairer acceptable to us;
(b) replace the item through a supplier acceptable to us;
(c) pay you out in cash; or
(d) a combination of any of the above.
6.12 IMPORTANT: The decision about how we compensate you is ours alone. You must check the terms and conditions for compensation in each Policy Section.
6.13 You must ensure that any repairs or replacements approved as a result of a valid claim under this policy, must take place within 6 months from the claim approval date. We may not compensate you for this loss or damage if you do not repair or replace within this 6 month period.
6.14 Before we compensate you for any valid claim, you must pay the Excess shown in your Policy Schedule.
6.15 You must allow us to enter the premises where the loss occurred and to remove any damaged items covered by this policy. Where a claim is settled for lost or damaged items, these items become ours. You may not abandon any property to us whether or not we have taken it if your claim is unsuccessful.
IF YOUR CLAIM IS REJECTED
6.16 We may accept or reject all or part of your claim. If we reject your claim, you have 90 days after receiving our rejection letter to object to our decision. You may email us at the email address shown in the Disclosure, Notice giving reasons for your objection. (See document attached to your Policy Schedule called ‘Notice in terms of the Financial Advisory and Intermediary Services (FAIS) Act 37 of 2002’)
6.17 We give compensation for all valid claims under this policy honestly, fairly and promptly. If you believe that we have not acted accordingly and you wish to lodge a formal complaint, please do so via the contact details listed in the Disclosure Notice (See document attached to your Policy Schedule called ‘Notice in terms of the Financial Advisory and Intermediary Services (FAIS) Act 37 of 2000’).
6.18 IMPORTANT: If your objection is unsuccessful, you have 6 months from the end of the 90-day period to contact the Ombudsman for Short-Term Insurance or serve a summons on the Insurer. If you do not do so in this time, we will have no obligations to you under this policy.
CONTACTING THE OMBUDSMAN
6.19 We give compensation for all valid claims under this policy honestly, fairly and promptly. If you believe that we have not done so, and you wish to lodge a formal complaint, please do so via the contact details listed in the Disclosure Notice (See document attached to your Policy Schedule called ‘Notice in terms of the Financial Advisory and Intermediary Services (FAIS) Act 37 of 2002’).
6.20 If you are still not satisfied, you have the right to contact the Ombudsman for Short-Term Insurance. The contact details can be found in the Disclosure Notice (See document attached to your Policy Schedule called ‘Notice in terms of the Financial Advisory and Intermediary Services (FAIS) Act 37 of 2002’).
6.21 You have our assurance that we will abide by any decision made by the Ombudsman.
CLAIMING UNDER MORE THAN ONE POLICY SECTION
6.22 We do not compensate you under more than one Section of this Policy for any Covered Event, loss or damage that arises from the same event, or for the same item.
IF YOU HAVE DUAL INSURANCE
7.1 If any item we insure under this policy is also insured by any other insurance company, we will only compensate you for our proportion of the claim.
7.2 If we agree to refund you a proportion of your premium as a result of dual insurance, we will deduct any cost incurred by Us during the period of cover from the refund due (subject to a maximum backdated refund period of 12 months).
CANCELLING YOUR POLICY
8.1 You may cancel this policy, or any insured item at any time via the downloadable Pineapple Application or website (www.pineapple.co.za) and this cancellation will take effect at midnight on the day before your next debit date.
Example: If you request your policy or an item to be cancelled on the 15th of the month and your debit date is the 25th of the month, your cover and your policy will remain in force until midnight on the 24th of the month.
8.2 If a Covered Event leads to the Total Loss of an Insured Item during the Period of Insurance, we will not refund your monthly premium for the balance of that Period of Insurance.
8.3 We may cancel this policy or any Policy Section by giving you 31 days written notice, either by email or to the postal address that you have provided.
CHANGES TO YOUR COVER
9.1 You may change your cover at any time. You must ensure that we agree to the change telephonically or in writing and that the change will apply from the date and time agreed.
9.2 We may change the terms, conditions and the premiums on your policy by giving you 31 days written notice to your last known email or postal address. Any changes will only come into effect after this 31 day notice period has lapsed.
PAYING YOUR PREMIUMS
10.1 Having a monthly policy means that your policy runs for a period of one month, and you pay your premium each month in advance.
10.2 Your policy is automatically renewed each month if you pay your next monthly premium on time. It is your responsibility to ensure that there are sufficient funds in your bank account so that the debit order can be processed on the relevant Debit Date.
- Debit Date: this is the day of the month on which you have requested us to collect your monthly premium from your bank account (e.g. the 25th of each month).
10.3 We will make use of an authenticated debit order collection process which allows you to electronically confirm your debit order details with your bank and us (on a once-off basis) at the start of your contract.
10.4 If you do not authenticate the debit order collection of your premium, we will make use of an Early Debit Order Service provided by certain South African banks to collect your premium if it is unpaid on the Debit Date that you have chosen, due to insufficient funds in your account. This service allows us to track your bank account and deduct the premium when enough money is available.
10.5 For your policy to start we must receive your premium for the first month, or part thereof, in advance. If we do not receive your premium, your policy will not start. We will amend your Cover Start Date to your next permissible Debit Date and will re-attempt to debit your account. If we are still unable to collect your premium, your policy will not start.
10.6 For your policy to renew each month you must pay your premium in advance every month by no later than the Debit Date.
10.7 If you do not pay your premium, we will automatically attempt to collect the premium after 15 days. If we are unable to collect your premium, you will not have cover for this Period of Insurance.
10.8 At your next Debit Date, your cover will resume and we will attempt to collect your premium. If we are still unable to collect your full monthly premium, your policy will automatically be cancelled from the first Debit Date on which you did not pay your premium. You will have no cover for any Period of Insurance that you did not pay for.
10.9 IMPORTANT: The 15 day period described above will only apply from the second month from your Cover Start Date. The 15 day period will not apply if we have never received a single premium payment from you. In this case, non-payment will result in the policy being automatically cancelled with effect from the Cover Start Date.
10.10 Where the Debit Date falls on a public holiday or Sunday, the premium will be collected on the last working day prior, or the first working day thereafter.
10.11 If you put a stop payment on your premium, the policy will be cancelled automatically from the Debit Date on which you did not pay your premium.
10.12 We will charge a non-refundable recollection fee of R50.00 for each failed premium collection, irrespective of the rand value, as result of any of the following reasons for the rejection of your debit order:
(a) if there are insufficient funds in your account;
(b) if you cancelled the authorisation of the debit order; or
(c) if you provided the incorrect banking details when the policy was taken up by you.
10.13 We will not charge you interest on late payment of premiums.
11.1 Please note the consequences of non-payment of a monthly premium as set out in paragraphs 10.5 to 10.8
11.2 If you cancel your policy within 14 days after receipt of the contract and no benefit has yet been paid or claimed for a covered event, we will refund you within 31 days after receipt of the cancellation notice for the premiums paid up to the date of receipt of the cancellation.
12.1 If your policy is voided, we will refund the premiums paid by you (less cost incurred by Us during the period of cover), provided that the policy isn’t voided as a result of the policyholders’ intentional participation in a criminal activity.
ANNUAL PREMIUM ADJUSTMENTS
13.1 The Compensation Limit for your Buildings, Household Contents and General Items cover is adjusted on the Anniversary Date of your policy. This happens automatically, at a percentage calculated in line with the rate of inflation, unless you have advised us otherwise. This means that your premiums may also increase. It is your responsibility to make sure that the Compensation Limit represents the full value of your insured items in all Policy Sections at all times.
CHANGES AFTER A CLAIM
14.1 The Compensation Limit does not change when you have a claim, but your premium might be affected. We may choose to wait until the policy anniversary date to increase your premiums or we may ask you to pay a higher premium with effect from the date of loss or damage.
14.2 We may also change the terms and conditions of your policy following a claim.
15.1 It is your responsibility to insure all your items for their replacement value. The replacement value is what it will cost you to replace the items that are lost or damaged with similar ones. When you make a claim, we will determine the replacement value at which you should have insured your items. If this value is more than the Compensation Limit shown in your Policy Schedule, it means you are under-insured and we will only compensate you for the percentage of insurance you bought, and you will be responsible for the difference.
Example: You have insured your household contents for an amount of R80 000. Your house is broken into and goods with a replacement value of R30 000 are stolen, which you claim from the Insurer. If, following our assessment, the current replacement value of all your household contents before the theft is proven to be R100 000 and not the R80 000 as insured, we will pay only 80% of your claim, as you were underinsured by 20%. In other words, you will receive only R24 000 and not the R30 000 you claimed. Your Excess will also be deducted from your claim.
15.2 Underinsurance does not apply to Motor Vehicles, Motorcycles, Trailers & Caravans, Personal Liability and Legal Costs Policy Sections.
PINEAPPLE BENEFITS & REWARDS
16.1 The Pineapple Rewards is a profit share network scheme where a portion of your premiums are refunded through rewards or vouchers after 12 months on condition that you:
(a) have uninterrupted cover;
(b) don’t claim; and
(c) you pay your premiums on time.
16.2 Conditions apply and these can be found in the document titled Pineapple Rewards, which is included with your policy documents.
16.3 Pineapple provides Trauma Counselling to customers who have valid approved motor insurance claims. The provision of the benefit is on an ex-gratia basis at the discretion of Pineapple. The maximum value of the benefit is R2000 per approved claim.
WHAT IS NOT COVERED UNDER YOUR POLICY
FRAUD, DISHONESTY AND MISREPRESENTATION
17.1 We do not compensate you for claims based on fraud, dishonesty or misrepresentation (giving misleading or incorrect information), including exaggerated claims. The entire claim will be rejected and your policy cancelled retrospectively from the actual incident date if you or anyone acting on your behalf submits a claim, or any information or documentation relating to any claim that is in any way fraudulent, dishonest, inflated or exaggerated.
17.2 If we compensate you for any claims that we later discover to have been based on fraud, dishonesty or misrepresentation, you must pay back the amount of the compensation immediately when we ask for it. We will cancel your policy immediately and you may face criminal charges
EVENTS DELIBERATELY CAUSED
17.3 We do not compensate you for any claims if you, or any person colluding with you, deliberately causes the Covered Event, loss or damage.
WAR, RIOTS, LABOUR STRIKES OR TERRORISM
17.4 We will not accept any claims for events resulting directly or indirectly from any one or more of the following:
(a) labour disturbances, riots, strikes, lockouts or public disorder, or any acts that are aimed to cause these;
(b) war and warlike activities, for example invasion, acts of foreign enemies, and civil war (whether war is declared or not);
(c) martial law, mutiny, military uprising or a state of siege, or any event which may cause these;
(d) revolution, including protests, rebellion, civil disobedience, and inciting fear in the public;
(e) acts or attempts to overthrow the government or any local or tribal authority by force or by means of fear, terrorism or violence;
(f) terrorism or the threat of terrorism, or the attempt to cause terrorism or the threat of terrorism -terrorism includes the use of violence or threat of violence to bring about any political aim, or to bring about any social or economic change, or in protest against any state or government or any provincial, local or tribal authority; it includes acts whether harmless to human life or not, by any person or group of people, whether acting alone or in a group; it also includes any acts committed for political religious, personal or ideological reason;
(g) any events for which a fund is established under the War Damage Insurance and Compensation Act, No 85 of 1976 or any similar Act; and
(h) the acts of any lawfully established authority to control, prevent, suppress or otherwise deal with any of the activities listed above.
17.5 If you have selected optional SASRIA Cover, kindly refer to the relevant SASRIA policy wording (included in the policy documentation) to see which of the above risks are covered under your SASRIA SOC Limited policy.
CLAIMS RELATED TO NUCLEAR MATERIAL
17.6 We do not compensate you for claims resulting directly or indirectly from any of the following:
(a) ionising, radiation, radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel - combustion includes any self-sustaining process of nuclear fission;
(b) contamination from nuclear material in any form, including from nuclear waste;
(c) nuclear fission or fusion; and
(d) nuclear weapons or nuclear explosion.
17.7 We do not compensate you for these claims even if another event or cause (regardless of the sequence of events) contributed to the loss, damage, bodily injury or Liability.
CONFISCATION BY LAWFUL AUTHORITIES
17.8 We do not compensate you for any claims related to loss, damage, bodily injury or liability if a lawful authority takes the insured items, for example, by nationalising, commandeering, seizing, confiscating, attaching or impounding
Example: If you buy a car that later turns out to be stolen and the police confiscate it from you, you cannot claim for the loss of that car.
17.9 Except where otherwise specified, we do not compensate you for claims for Consequential Loss.
Example: If you leave your keys in an unsafe place, resulting in your property being easily accessible and theft occurred, we will not compensate for your loss.
THEFT UNDER FALSE PRETENCES (SCAMS)
17.10 We do not compensate you for claims for Covered Events, loss or damage arising from scams, fraud or theft by false pretences.
Example: If you sell your car and the buyer fails to make the actual payment, we will not compensate you for the loss of the car.
17.11 Where you have not obtained our approval for repairs/replacement of your insured items, you will not receive compensation.
Example: If your car is damaged in an accident and you decide to have it repaired at a repairer of your own choice without obtaining approval from us, we will not compensate you for the cost of the repairs
LIABILITY RELATED TO CONTRACTS
17.12 We do not compensate you for Liability arising from a contract you entered into unless you would have been Liable even if there were no contract, provided that the liability arises following a Covered Event to a risk item.
FINES AND PENALTIES
17.13 We do not compensate you for punitive damages, fines or penalties that you are held Liable for.
POLLUTION OR CONTAMINATION
17.14 We do not compensate for Liability related to pollution or contamination of any type. This includes the cost of cleaning up or replacing any property damaged by pollution or contamination.
SOFTWARE AND DATA
17.15 We do not compensate for loss or damage of software, content, or data.
17.16 We do not compensate for loss, damage or liability caused directly or indirectly by cyber-attacks including, but not limited to schemes/scams based on fake websites, malware, social engineering (such as phishing, baiting etc.), identity theft, data restoration, distributed denial of service, hacking or cyber terrorism.
17.17 We do not compensate for loss, damage or liability caused directly or indirectly by cyberbullying and any resulting emotional damage.
17.18 We do not compensate for loss, damage or liability to the insured property which arises as a result of a criminal act by the insured.
17.19 The Insurer does not insure you for, or compensate for, any event or claim which would result in the exposure of the Insurer to any sanction, prohibition or restriction under the United Nations regulation or trade or economic sanctions, laws or regulations of the European Union, the United Kingdom and the United States of America.
17.20 We do not compensate for loss, damage or liability caused by your gross negligence.
WEAR, TEAR AND BREAKDOWN
17.21 We do not compensate for wear and tear, mechanical, electronic or electrical breakdowns, failures or breakage
DAMAGE BY INSECTS, PESTS AND PETS
17.22 We do not compensate for damage or loss caused by insects, pests or domestic pets.
LEAVING KEYS IN AN UNSAFE AREA
17.23 We do not compensate for any claim for loss, damage, death, injury or liability as result of you leaving your keys in an unsecure place and/or with an unknown person and/or a person with no responsibility towards the insured item.
PLANTS AND ANIMALS
17.24 We do not compensate for, unless otherwise stated elsewhere in this document, damage or injury to plants and animals.
DAMAGE BY DOMESTIC DISPUTE
17.25 We do not compensate for any claim for loss or damage which is the result of a domestic dispute between family members and/or between unrelated persons regardless of whether or not they form part of the same household.
PROTECTION OF PERSONAL INFORMATION (PPI)
18.1 We may use your information or obtain information about you for the following purposes:
(b) assessment and processing of claims;
(c) credit searches and/or verification of personal information;
(d) claims checks;
(e) tracing beneficiaries;
(f) fraud prevention and detection;
(g) market research and statistical analysis;
(h) audit and record-keeping purposes;
(i) compliance with legal and regulatory requirements; and
(j) verifying your identity.
18.2 Sharing information with service providers we engage to process such information on our behalf or who render services to us. These service providers may be abroad, but we will not share your information with them unless we are satisfied that they have adequate security measures in place to protect your personal information.
18.3 You may access your personal information that we hold and may also request us to correct any errors or to delete this information. In certain cases, you have the right to object to the processing of your personal information.
18.4 You also have the right to complain to the Information Regulator, whose contact details are:
(a) www.justice.gov.za/inforeg/index.html • Tel: 012 406 4818 • Fax: 086 500 3351 • Email: email@example.com.
18.5 To view our full privacy notices, please visit our websites on www.oldmutual.co.za or www.pineapple.co.za
YOUR RIGHT TO ACCESS AND CORRECT YOUR INFORMATION
19.1 You have the right to request details of any personal information we hold about you. To do this, simply visit our Group website at www.oldmutual.co.za and view the Promotion of Access to Information (PAIA) manual which contains details about the procedure you must follow to request access to information held by Us. Please note that any such access request may be subject to a payment of a legally allowable fee, depending on the nature of the information to which you require access
SOUTH AFRICAN LAW APPLIES
20.1 South African law applies to this policy and only the courts of the Republic of South Africa may deal with any dispute in respect of this policy.
Pineapple Disclosure Notice
DISCLOSURE NOTICE IN TERMS OF FINANCIAL ADVISORY & INTERMEDIARY SERVICES ACT NO. 37 2002 “FAIS”
As a prospective client you have the right to information relating to our professional services as required in terms of the FAIS Act. Please note that this is an important document and is to be read carefully. You will be asked to sign an acknowledgement of receipt and understanding.
PINEAPPLE TECH (PTY) LTD is a licensed Financial Services Provider, license number, 48650. A copy of the license is available upon request.
PINEAPPLE has duly authorised the individuals below to render advice and intermediary services as defined in terms of FAIS in respect of the following Classes of Business:
- Short-term Personal Lines
- Short-term Commercial Lines
- Marnus van Heerden
PINEAPPLE has the necessary controls and procedures in place as to ensure that the Key Individuals and Representative comply with the prescribed FAIS Fit and Proper Requirements (incudes experience, qualifications, regulatory examinations and honesty and integrity requirements).
PINEAPPLE accepts legal responsibility for those activities that the representative performed within the scope of implementing his/her employment contract or mandate.
Certain representatives are rendering services under supervision as defined in the Determination of Fit & Proper requirements. The supervisor is Nerisha Nana
2. Exemptions with regard to any matter covered by the FAIS Act
No specific exemption was granted to PINEAPPLE by the Registrar.
3. Financial Services and Products
PINEAPPLE is authorised to render advice and recommend financial products in respect of the financial product types listed below
- Short-Term Insurance Personal Lines - Advice Non-Automated & Intermediary Other
- Short-term Insurance Personal Lines A1 - Advice Non-Automated & Intermediary Other
- Short-Term Insurance Commercial Lines - Advice Non-Automated & Intermediary Other
4. Contracts with Product Suppliers
- We offer financial products from only one product supplier being Old Mutual insure.
The above listed product supplier did not imposed any conditions or restrictions with regard to the type of financial products or services that may be provided or rendered by PINEAPPLE
5. What will you have to pay us for our services?
We will tell you how we get paid, and the amount, before we conclude any business for you.
Fees will comprise of:
PINEAPPLE is paid a fee of 10% by the Insurer in respect of the outsource functionality, mobile application maintenance, artificial intelligence and system maintenance
Pineapple will receive 5% commission from the insurer
6. Compliance with Financial Advisory and Intermediary Services Act “FAIS”
The compliance of PINEAPPLE with the FAIS Act is monitored by ELZABE BOTHA of Compli-Serve SA (Pty) Ltd, a licensed Compliance Practice, CO 194 who is contactable on 087 897 6970 or email firstname.lastname@example.org or Marnus van Heerden who is contactable at email@example.com
Where applicable all information will be kept by PINEAPPLE on a confidential basis and will not be made available to third parties by PINEAPPLE unless so authorised by the client beforehand or if PINEAPPLE is required to divulge such information in the public interest or under any law.
8. Conflicts of Interest
In accordance with PINEAPPLE conflicts management policy, PINEAPPLE places a high priority on its clients’ interests. As conflicts of interest affecting clients could undermine the integrity and professionalism of our business, any instances must be identified as early as possible. If conflict situations cannot be avoided, they must be managed equitably and in the client’s interest. Detecting potential or recognised conflicts of interest that could compromise the interest of its clients and managing and limiting the impact of conflicts of interest therefore constitute an integral part of PINEAPPLE’s duties and obligations.
Potential conflicts of interest are inherent in any business and therefore it is not the aim of PINEAPPLE to avoid all conflicts but rather to take steps to identify and manage conflicts of interest to ensure that our clients are not unduly prejudiced.
PINEAPPLE maintains an active Conflicts of Interest Management Policy which can be obtained by request on our mobile chat
Annexure B highlights our current conflicts
In the last 12 months PINEAPPLE received in excess of 30% of total remuneration, including commission from Old Mutual Insure
PINEAPPLE has no shareholding in any product supplier.
In the event that you are dissatisfied with any aspect of our service you may contact our offices at the address shown at the head of this letter.
Should you wish to pursue a complaint against an authorised representative of PINEAPPLE, you should address your compliant in writing to Marnus van Heerden a registered key person of PINEAPPLE at firstname.lastname@example.org
If you cannot settle your complaint with us, you are entitled to refer it to the FAIS Ombud. The Ombud has been created to provide you with a redress mechanism for any inappropriate financial advice that may have been given to you.
Contact particulars of the Ombud: PO Box 74571 , Lynnwood Ridge 0040 , Tel 012 470 9080Fax 012 348 3447 , email@example.com , www.faisombud.co.za
10. Professional Indemnity-, Fidelity Insurance or Guarantees
PINEAPPLE holds professional indemnity insurance underwritten by Santam .
11. Basis of Advice
In order for us to provide you with appropriate advice and financial products it is important that you give us sufficient particulars of your financial affairs. Failure to make a full disclosure could result in our advice being compromised and may result in you thus making a financial commitment to a product inappropriate to your needs and objectives.
In order to help ensure that you make a financial commitment to a product that is appropriate to your needs you are strongly advised to ensure that you have all the necessary documentation and information that you require from your advisor before you make a final decision.
12. Advice Documentation
You are hereby advised and cautioned that, unless otherwise agreed , any advice , quotation recommendation or variation thereof that you receive in writing from PINEAPPLE or its representatives “the Advice Documentation” is given to you on the understanding that it shall not be used as a basis of advice subsequently concluded with another Financial Services Provider
In the event that you elect to present the Advice Documentation to another Financial Service Provider, PINEAPPLE takes no responsibility for the appropriateness of the final advice offered by any subsequent advisor to your financial needs and circumstances.
13. Financial Intelligence Centre Act (FICA) -
Please note that in terms of the Financial Intelligence Centre Act (FICA),PINEAPPLE is obliged to report suspicious and unusual transactions that may facilitate money laundering to the authorities.
No conflict of interest identified.
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