Terms and Conditions
Welcome to carecover.net. The Website is operated by Efron Maralack, a Short-Term Insurance Advisor (“we”, “us”, “our”). By accessing or using this Website, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use the Website.
This Website is provided for general information purposes only and is governed by the laws of the Republic of South Africa.
Regulatory Status and Compliance
Regulatory Status and Compliance
Financial Services Regulation
We operate in accordance with the Financial Advisory and Intermediary Services Act, 2002 (FAIS), and are subject to the supervision of the Financial Sector Conduct Authority (FSCA).
All financial services are rendered in compliance with applicable legislation, including but not limited to:
- The FAIS Act and its Codes of Conduct
- The Financial Sector Regulation Act
- Applicable FSCA directives and guidance notices
Nothing on this Website constitutes financial advice until a full needs analysis and assessment has been completed.
Santam Alignment
Where reference is made to Santam, such reference is for informational and intermediary purposes only. Santam is a licensed insurer in South Africa and remains responsible for underwriting insurance policies in terms of applicable legislation.
We do not guarantee acceptance of risk or the terms of any insurance product, as this remains subject to insurer approval, underwriting criteria, and policy wording.
Nature of Information on the Website
The content provided on this Website:
- Is of a general and informational nature
- Does not constitute financial advice, legal advice, or insurance advice
- Is not a recommendation or solicitation to purchase insurance
Formal advice will only be provided after:
- A proper needs analysis
- Full disclosure of relevant information by the client
- Compliance with FAIS requirements
Use of the Website
You agree that you will:
- Use the Website lawfully and ethically
- Not misuse, copy, or distribute content without permission
- Not attempt to interfere with the security or functionality of the Website
We reserve the right to suspend or restrict access to the Website at our discretion.
Quotes and Insurance Applications
Any quotations provided via the Website, WhatsApp, email, or other communication channels:
- Are indicative only
- Are subject to full disclosure, underwriting approval, and policy terms
- Do not guarantee cover or acceptance by the insurer
Cover is only confirmed once:
- The insurer has accepted the risk
- A policy has been issued
- Premium has been received (where applicable)
Claims
Assistance with claims is provided as an intermediary service. Final claims decisions rest solely with the insurer in accordance with the policy wording, exclusions, and terms.
We do not accept liability for claims rejected due to:
- Non-disclosure or misrepresentation
- Policy exclusions or limits
- Circumstances beyond the scope of cover
Client Responsibilities (Disclosure)
In terms of FAIS and insurance law, clients are required to:
- Inform us of any changes in circumstances
- Disclose all material facts that may influence underwriting decisions
- Inform us of any changes in circumstances
Failure to comply may result in rejected claims or cancellation of cover.
FICA Compliance
We comply with the Financial Intelligence Centre Act (FICA).
Clients may be required to provide:
- Proof of identity
- Proof of residence
- Additional verification documents
We reserve the right to refuse or delay services until FICA requirements are satisfied.
Privacy and POPIA
Personal information is collected and processed in accordance with the Protection of Personal Information Act (POPIA).
Personal information will be:
- Used solely for insurance and compliance purposes
- Kept confidential
- Shared only with insurers, compliance entities, or regulatory bodies where required
Intellectual Property
All content, branding, text, and images on this Website are the intellectual property of the Website owner unless otherwise stated.
No content may be copied, reproduced, or distributed without prior written consent.
Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for:
- Decisions taken based on information provided before formal advice
- Any loss or damage arising from reliance on Website content
- Decisions taken based on information provided before formal advice
External Links
The Website may contain links to third-party websites. We have no control over and accept no responsibility for the content, security, or practices of such websites.
Amendments
We reserve the right to update or amend these Terms and Conditions at any time. Continued use of the Website constitutes acceptance of the updated Terms.
Governing Law
These Terms and Conditions are governed by and interpreted in accordance with the laws of the Republic of South Africa.
Contact Information
For queries regarding these Terms and Conditions, please contact:
Efron Maralack
Short-Term Insurance Advisor
efron@sanlam4u.co.za