Terms of Use
Welcome to Sanlam's website. These Terms of Use are deemed to have been accepted by you should you use the website. The Terms of Use govern your use of the website.

Important information

The terms of use set out below apply to this and all other websites owned, operated, or sponsored by any member of the Sanlam Group - unless such other website specifically provides otherwise. When you use the website you are deemed to have agreed to all of these terms of use governing the website. Please check the website regularly for changes. The terms of use may change from time to time and without notice. The terms displayed at the time that you use the website will govern your use of the website. Please address any comments or inaccuracies contained in the website to Sanlam Client Relations at clientrelations@sanlam.co.za

1. Nature of website contents
Information contained on the website is intended to serve as general information on the chosen subjects and not as an exhaustive treatment of those subjects. Calculations which may be displayed on the website are intended for the convenience of clients, may be approximations, and are intended only as guidelines. Should you wish to rely on any calculation you are advised to check the calculations before using them as Sanlam will not be liable for any inaccuracy in the calculation. Subscribing to any service or buying any product through the website is subject to the vendor's full contractual terms and conditions, and applicable legislation. Links to third party websites are provided for convenience only, and may be discontinued at any time. The fact that Sanlam provides a link to a third party website does not necessarily mean that Sanlam endorses, authorises, or sponsors that website, or that Sanlam is affiliated to such website's owners or sponsors. The content on any websites which may be accessed from a Sanlam website is not under Sanlam's control and Sanlam will not be held responsible or liable for any content displayed on a third party website. The content or information displayed on a Sanlam website or any third party website which may be accessed through links provided on the Sanlam website is not intended as advice but merely as information. Before making any decision or taking any action based on any information displayed on the Sanlam website or any such third party website that may affect your personal finances or business, it is recommended that you first obtain appropriate professional advice.

2. Visitors from foreign countries
Use of this website or the purchase of services or products through the website from the country from which you may access the website may be illegal in that country. Your use of the website for any purchase that you may make is entirely at your own risk. It is recommended that you ensure that use of the website for any purchases made by you are not in violation of the laws of any country by which you may be governed. Unless expressly stipulated, nothing on this website shall constitute an offer for sale of any service or product. Nor shall any information contained on the website be construed to be financial or investment advice. If you wish to use the information displayed on the website to purchase any service or product or procure financial or investment advice, your request to do so shall constitute an offer which may in the discretion of Sanlam, be accepted. The acceptance of your offer will be subject to terms and conditions governing the service, product, or advice at the time of the acceptance of the offer. The responsibility for ensuring compliance with any laws or regulations which may apply to you remain exclusively yours and in making the offer you are deemed to have indemnified Sanlam against any loss or damage that it may suffer arising from your violation of any laws applicable to you. Sanlam's services and products may not be available in your country. Contact Sanlam or your local financial or legal adviser to find out whether, and if so which of, Sanlam's services and products may be available to you.

3. No warranties
The content of the website is provided without any express or implied warranty of any kind whatsoever. In particular, Sanlam does not warrant that it is appropriate or suitable for any particular purpose, that it is complete or accurate, or that it or any hardware on which it is stored is virus-free.

4. Restricted use
Unless otherwise specified, all information, products, and services displayed on or accessed through the website are for your personal and non-commercial use only. You may not - Reproduce, modify, or create derivative works from; publish, distribute, transmit, or display; or license or transfer any of the content displayed on the website - unless you have Sanlam's prior written authorisation; Decompile, reverse engineer, or disassemble the website, a linked website, or any software employed in the display or operation of the website; Post on or transmit to the website content of an unlawful nature, for example: (a) contents that is threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane; or (b) that could damage Sanlam's image or impair its ability to do business; Use the website in a manner that could damage, disable, overburden, or impair any Sanlam server, or network connected to any Sanlam server, or interfere with any other party's use of the website; Interfere with any content displayed on the website or attempt or gain unauthorised access to the information displayed on the website to which you may not be authorised, to any secure area on the website, a Sanlam server or any other part of the Sanlam information system. Any attempt, whether successful or unsuccessful to interfere with the information displayed on the Sanlam website or to gain access to information or any part of the Sanlam information system to which you are not authorized is unlawful and constitutes an offence in terms of the provisions of Section 86 of the Electronic Communications and Transactions Act No. 25 of 2002. Create a link from another website to the website or any of the web pages which constitute the website without Sanlam's prior written authorisation; Frame the website or any of its pages without Sanlam's prior written authorisation.

5. Electronic transactions, communications, and records
When you visit the website or send email to Sanlam you consent to receiving communications from Sanlam electronically. You thereby agree that all electronic agreements, notices, disclosures, and other communications sent by Sanlam satisfy any legal requirement that such communications should be in writing. You accept the risks inherent in electronic communication in whatever form. You authorise Sanlam to act on the information communicated to Sanlam electronically. You are responsible to ensure that Sanlam has received the information communicated electronically. You acknowledge and agree that Sanlam, in its discretion, may retain and store your electronic communications. You agree that the electronic records stored by Sanlam will constitute rebuttable proof of the content of the records. Any email communication sent to you will be deemed to have been received by you where it enters an information system outside of the control of Sanlam.

6. User ID and password
If you subscribe to a service or product provided on the website you may be required to choose a user id and/or password. You are entirely responsible for - Maintaining the confidentiality of your password; All activities that occur in your account, either with or without your knowledge; Notifying Sanlam immediately of any unauthorised use of your user id and/or password or any other breach of security; For losses incurred by Sanlam or a third party due to someone other than you using your user id and/or password.

7. Secure payment system
If any payments are to be made by you to Sanlam you will be required to use a payment system authorised by Sanlam. Sanlam shall only use a payment system that is sufficiently secure considering nature of the payment to be made and the risk inherent in making the payment electronically. Sanlam accepts liability for any damages that may be suffered to you due to a failure in the payment system.

8. Privacy policy
Your privacy is important to Sanlam. Personal information transmitted to Sanlam will be treated in accordance with Sanlam's Privacy Policy.

9. No liability
Sanlam will not be responsible for any loss incurred or damages suffered (whether direct, indirect, special, or consequential) to you or any third party that may be attributable, directly or indirectly, to the use of, or reliance upon, any content displayed on the website by you. Except as provided in 7, Sanlam will not be responsible for any interruption, delayed or failed transmission, loss of programs or other data, or the storage or delivery of information resulting from whatever cause.

10. Warranties provided by you
For all purposes, and in particular for purposes of 6 above, you warrant - Your identity (that is, you are who you say you are), and that you can prove your identity should Sanlam require you to do so; That all information you provide at any time to Sanlam via the website, in writing, or to Sanlam call centre staff will in all respects be current, complete, and accurate; That you will fully disclose all material and relevant facts to Sanlam, a breach of which may lead to any contract or any transactions arising from such contract being rendered void or subject to cancellation.

11. Intellectual property rights
The website and all its content (including software, text, graphics, icons, hyperlinks, private information, and designs) are owned by or licensed to Sanlam. As the intellectual property rights in the content referred to immediately above are protected against infringement by local and international legislation and treaties, it may not be used in any way without Sanlam or the licensor's prior written permission.

12. Breach
Sanlam reserves the right to - Refuse you further access to the website if (a) you breach any of the terms of use applicable from time to time; (b) Sanlam is unable to verify or authenticate any information you provide to it; or (c) Sanlam believes that you are conducting activities that are illegal, abusive, attack the integrity of the website, or may place Sanlam in disrepute; Refer any breach to the police if such breach constitutes a crime; Claim damages for all loss and damage it suffers, and expenses it incurs, as a result of your breach.

13. Indemnity
You agree to indemnify and hold harmless any member of the Sanlam Group and its respective directors, officers, employees, agents, licensors, suppliers, and any third party information providers from and against all losses and expenses (including attorney-and own client costs), resulting from any failure to adhere to these terms of use by you.

14. Jurisdiction and applicable law
Your use of the website will for all purposes relating to its use, constitute your consent and submission to the jurisdiction of the High Court of South Africa (Cape of Good Hope Provincial Division). Any claim arising from - The use or inability to use the website; An application for, and the rendering of a service or providing of a product, Is subject to the laws of the Republic of South Africa - in respect of both the basis of the claim [contract, delict (tort), or any other], and the law relating to procedure and evidence. All proceedings will be held in English and the unsuccessful party will be liable to pay all costs incurred by the successful party, including costs as between attorney and own client.

15. Permissions
To obtain authorisation from Sanlam as provided for herein, please address the request to webmaster@sanlam.co.za.ed

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