Terms of Use

TERMS AND CONDITIONS FOR THE USE OF ANY INTEGRISURE ONLINE PLATFORMS

You are welcome to use our online platforms. Please be advised that your use is governed by the terms and conditions set out hereunder and as protected by the relevant laws.

DEFINITIONS AND INTERPRETATION

“ElSteph” refers to ElSteph Short Term Brokers CC, Registration Number: 1991/014102/23, a licensed intermediary: FSP 3750

“Personal Information” means Personal Information as defined in The Protection of Personal Information Act No. 4 of 2013 (“POPI”).

“User” means anyone who opens, enters and/or uses the ElSteph website, and/or any other ElSteph platform/system.

DISCLAIMER

Although we take all reasonable precautions, ElSteph makes no express or implied representations or warranties that the content and services available from all our online platforms are free from errors or omissions or that the service will be uninterrupted and error-free. Users are encouraged to please report any malfunctions and/or errors.

ElSteph (including its owners, directors, employees, suppliers, internet service providers, affiliates and/or agents) shall not be liable for any damage, loss or liability of any nature incurred by whomever and resulting from, inter alia, the following:

• Use of the ElSteph website.

• Inability to use the ElSteph website.

• Access or lack of access to the ElSteph website.

• Access or lack of access to websites linked to the ElSteph website.

• Use of the services provided by the ElSteph website.

• Relying on content or information provided on the ElSteph website.

• Downloads and/or use of content from the ElSteph website.

The information in or attached to messages transmitted from ElSteph via email, WhatsApp, SMS or any other social media platforms such as Facebook, Instagram, YouTube, Twitter, TikTok and/or LinkedIn is confidential and only intended for the person(s) or entity to which it is addressed. Furthermore, the information may be subject to legal privilege and client confidentiality. If you receive any electronic communication from ElSteph in error, please notify the sender by return and delete the material from your device(s). Any unauthorised use and/or processing of this information by persons or entities other than the intended recipient is prohibited.

ElSteph re cannot be held liable for any harm or loss resulting from malicious software code or viruses in electronic messages or attachments, including data corruption resulting from these. Employees or representatives of ElSteph are not permitted to send unsolicited messages (“spam”), and ElSteph cannot be held liable for their sending of such mail should this happen.

Please be mindful that opinions shared on social media do not represent the opinion of ElSteph, nor does publication imply endorsement by ElSteph. Guidelines for how and which opinions and/or comments are shared are therefore imposed to protect you from prejudice by other users and vice versa. ElSteph reserves the right to regulate traffic on its social media pages and remove inappropriate content.

Some general guidelines are as follows:

• Avoid damaging, offensive, disrespectful and/or antagonistic or inappropriate comments/language.

• Don’t break the law, and don’t entice others to do so.

• Do not post and/or forward any spam.

• Stay with the topic under discussion and try only to post comments that are relevant and valuable.

• Do not promote competitors of ElSteph on our social platforms.

COOKIES AND GOOGLE ANALYTICS

“Cookies” are data files compiled “in the background” and transferred from our website to your computer when you use our website. This enables us to understand more about our web users, to tailor advertising campaigns more in line with our user computer usage preferences and means that based on the pages you visit on our site, you may see our advertisements on selected other websites.

By using ElSteph platforms, you understand and agree that we use cookies and Google Analytics to deliver more relevant, targeted advertising. All personal information collected through cookies is de-personalised and cannot be linked back to you. You may refuse the use of cookies by selecting the appropriate settings in your browser, but you may then lose some useful functionality.

HYPERLINKS

No person or business may link, nor may any website be linked to any page on this site without prior written consent from ElSteph.

Although hyperlinks are provided on the ElSteph website, to webpages that do not form part of ElSteph, such links do not imply any endorsement, agreement on, or support for the content of such other webpages by ElSteph. ElSteph is in no way responsible or liable for the content of, or access/lack of access to, such webpages not forming part of ElSteph.

SECURITY

Any person who delivers or attempts to deliver any damaging/malicious software code to any ElSteph online platform, e.g., to gain unauthorised access to any page, tamper with any of the content or pages or duplicate such pages or content, and/or any user that commits any cybercrime and/or related offence such as unauthorised access to, interception of or interference with data; computer-related extortion, fraud or forgery; including attempts, aiding and abetting of any of the aforementioned and more fully referred to in sections 85 to 88 of the Electronic Communications and Transactions Act 25 of 2002, will be prosecuted to the fullest extent of the law, and civil damages will be claimed should ElSteph suffer any loss or damages as a result of such actions.

ElSteph will take reasonable steps to ensure the security of the content of its online platforms (including information provided and collected from users). ElSteph does, however, not make any representation or warranties that the content will be 100% secure.

ElSteph has no legal obligation to encrypt content or communications, nor is there any legal obligation for ElSteph to provide digital authentication for any content, communication and/or pages on its online platforms.

Users are prohibited from creating, distributing or using any program, instrument or device to breach the security measures on ElSteph online platforms. ElSteph will claim damages against all persons involved with any such breach or security failure.

UPDATING OF THESE TERMS AND CONDITIONS

ElSteph reserves the right to update and/or modify, add to or remove from these terms and conditions at any time without notice. Changes will become effective upon being posted on the relevant online platform. It is the user’s obligation to stay up to date by periodically checking these terms and conditions.

TRADEMARKS, INTELLECTUAL PROPERTY RIGHTS AND USE OF DOMAIN NAME

All rights to our intellectual property are expressly reserved.

ElSteph is a registered trademark of the ElSteph brand. All logos, domain names and brand names are likewise the exclusive property of ElSteph and are protected from infringement by national and international legislation and treaties.

Unauthorised use, reproduction, or modification of the Trademark, in any form, for any purpose, including commercial use or distribution, without the prior written consent of ElSteph, is strictly prohibited. Unauthorised use may result in legal action to protect the rights and integrity of our Trademark.

The content displayed on its online platforms is and remains the property of ElSteph, its affiliates and/or subsidiaries or any other third-party owners of such content and, as such, is protected. Except as specified in these terms and conditions, the user is not granted a licence or any other right, without limitation, under copyright, trademarks, patents or other intellectual property rights in or to the content.

Third-party products and/or services: We do not have control over third-party products and/or services. Although the ElSteph website may allow you to view, access or refer to third-party sites, products and/or services, no endorsements, recommendations and/or guarantees are given in this regard. We are therefore not liable for any loss and/or damage, either direct or contingent, resulting from your use of and/or reliance upon any third party through the ElSteph website.

MARKETING

Advertised premiums are risk profile dependent and reviewed annually based on risk profile and other economic factors.

We take reasonable care in all our marketing to present up-to-date and relevant offers for you to consider and to help you form a realistic picture of typical insurance cover and insurance products available from us.

These insurance scenarios and offers are the product of our experience in the market and the insurance milieu we serve. However, understandably, all offers, as advertised, always remain tentative and subject to a client’s specific risk profile. Therefore, the ultimate final outcomes and offers may vary from the projected offers as advertised, based on each client’s unique risk and insurance needs criteria.

The best-effort offers advertised remain essentially illustrative and get fine-tuned only in consultation with you. We live and operate in a fast-changing, dynamic reality. Hence, it is understandable that products and quotes may also change from the marketing date to the moment you engage with us for a final product. Should it occur, we cannot accept liability for any damages occasioned by these changes.