1. Definitions and purpose of Terms and Conditions for this website
1. In these Terms and Conditions the following words and expressions shall have the following meaning:
1.1. “CareCover”, “we”, “us” and “our” refers to CareCover, with registration number 2012/161057/07.
1.2. “you”, “your” or “yourself” refers to the person using the website;
1.3. “website” refers to all the information available at the domain www.carecover.net.
1.4. “ECTA” means the Electronic Communications and Transactions Act 25 of 2002 and all Regulations published thereunder; and
1.5. “electronic communication” shall have the meaning assigned thereto in the ECTA.
1.6. Please read these Terms and Conditions carefully as they govern the use of our website and any information which you may obtain from our website.
1.7. By using our website you are agreeing to accept these Terms and Conditions. If there are any Terms and Conditions which you do not wish to accept you should immediately exit this website and refrain from making use thereof.
1.8. We may, in our sole discretion, choose to update and/or amend these Terms and Conditions from time to time in which case the updated Terms and Conditions will apply to our website and your use thereof. Please make sure that you visit this page of the website regularly to familiarise yourself with any updated and/or amended Terms and Conditions
All information as outlined on CareCover.net website is of a factual nature and should not be construed as the provision of financial advise or the rendering of Intermediary services in terms of the Financial Advisory and Intermediary Services Act, 2002 (“FAIS”)
CareCover is registered as a Financial Services Provider (“FSP”) with the Financial Services Conduct Authority (“FSCA”) with number FSP52542. CareCover is registered as a category 1 FSP, subcategory Short Term Insurance Personal and Commercial Lines.
All of the products provided by CareCover automatically include the benefit of being an Independent Business Member (“IBM”). IBM’s can participate in the CareCover Rewards business opportunity regardless of subscribing to a product or not.
CareCover subscribes to the following policies and procedures as required by FAIS to facilitate efficient systems for effective communication and customer management.
2.1. CONFLICT OF INTEREST MANAGEMENT POLICY (“COI”)
Introduction
In terms of Board Notice 58 and 92 of 2010 and 2014 issued under the Financial Advisory and Intermediary Services Act, no. 37 of 2002, CareCover is required to maintain and operate effective organisational and administrative arrangements with a view to taking all reasonable steps to identify, monitor and manage conflict of interest.
Conflict of Interest means any situation in which a provider has an actual or potential interest that may: a) Influence the objective performance of his/her obligations to that client b) Prevent a provider from rendering an unbiased and fair financial service to that client, or from acting in the interest of that client.
Summary and Purpose
The aim of CareCover’s Conflict of Interest Policy (‘The Policy’) is to provide a framework within which to address areas where conflicts of interest (‘COI’) may arise. As a Financial Service Provider (‘Provider’), we have the responsibility in terms of the Financial Advisory and Intermediaries Services Act, No 37 of 2002 (‘FAIS’), to ensure that we improve the quality of the financial services that are rendered to clients and that no situation is allowed where a provider or a representative has an actual or potential interest, which will influence the objective performance when giving financial service to a client.
A provider must at all times render financial services honestly, fairly, with due skill, care and diligence, and in the interest of clients and the integrity of the financial services industry.
Important legislation with regard to COI’s is Board Notice 58 of 2010 and Section 3A of the General Code of Conduct. The Policy defines how COI is to be managed by CareCover
– to identify potential COI,
– to avoid COI where possible and to disclose potential COIs.
Immaterial Financial interests are not disclosed but captured and monitored in a gift register.
This policy applies to all employees, third parties where applicable, its associates. The policy is reviewed annually and is retained for at least 5 (five) years. The policy applies to the Board of Directors and all employees of the company (permanent, contract or temporary).
Identifying Conflict of Interest (COI)
CareCover and its employees may only receive or offer the following financial interest from or to a third party.
The financial interest includes but is not limited to
Commission authorised in terms of the Short-Term Insurance Act No. 53 of 1998.
(‘STIA’)
Fees authorised in terms of the STIA if those fees are reasonably commensurate
to a service being rendered.
Fees or remuneration for the rendering of a financial service in respect are not
paid, if those fees are not specifically agreed to by a client in writing; and may
be stopped at the discretion of the client.
Fees or remuneration for the rendering of a service to a third party, which fees or
remuneration are reasonably commensurate to the service being rendered.
Subject to other law, an immaterial financial interest, not referred to in
paragraphs (a) above, for which consideration, fair value or remuneration that is
reasonably commensurate to the value of the financial interest, is paid by the
provider or its representatives at the time of receipt thereof.
Sales tools or services (electronic or otherwise) that CareCover wishes to provide
on condition that the tools and services provided are essential in enabling the
representative to prepare, submit and finalise any business transaction in
accordance with CareCover business requirements. These sales tools are not
essential, but offer value to the representatives in terms of enhancing /
supplementing the representative’s interactions with clients; and are regarded as
other services.
Services that are essential in enabling the representative to prepare, submit and / or finalise CareCover transaction documentation, may be offered unless it would
influence the representative in the objective performance of their functions or
prevent the representative from rendering an unbiased service. .
CareCover shall not offer any financial interest to its representatives for:
– Giving preference to the quantity of business secured to the exclusion of the
quality of the service rendered to clients; or
– Giving preference to a specific product supplier, where a representative may
recommend more than one product supplier to a client.
DECLARATION BY CARECOVER
CareCover does not receive more than 30% of our total remuneration from one specific product supplier, over a financial year. CareCover does not hold more than 10% of any other product supplier’s shares.
AVOIDING COI
Once an actual or potential COI has been identified, steps are taken where possible to avoid such a conflict. Should such avoidance not be possible, steps are taken to mitigate such an actual or potential COI and must be disclosed to all impacted parties. The Compliance Associate will analyse each identified COI and determine its risk and how it may be avoided or mitigated. This will be performed on a bi-annual basis and form part of the Compliance Monitoring visits and reports conducted and complied by the Compliance officer.
DISCLOSURES OF COI
CareCover and its representatives must at the earliest reasonable opportunity disclose to a client any COI in respect of that client (and all impacted parties). The disclosure must be made in writing to the client and contain the following information which includes, but is not limited to;
– The measures taken, in accordance with this policy, to avoid or mitigate the
conflict;
– Any ownership interest or financial interest, other than an immaterial financial
interest, that CareCover or its employees may become eligible for;
– The nature of any relationship or arrangement with a third party that gives rise to a
COI
– Sufficient detail in terms of the nature and extent of the relationship that creates or
gives rise to the conflict must be disclosed to the client. Such disclosure should
enable the client to make a reasonable assessment as to whether to proceed with
a transaction; and
– Informing the client of the existence of this policy and how this document may be
accessed. These disclosures will be visible on our website.
GENERAL INTENTION OF THE REGULATIONS
The general intention of the regulations is to eradicate the opulence that business courtesies have been known to create. Normal business courtesies are still acceptable provided they fall within the limitations.
APPLICATION OF IMMATERIAL FINANCIAL INTEREST
In terms of the definition of ‘immaterial financial interest’, the amount of R1 000 would apply to a “provider who is a sole proprietor”, (i.e. a Key Individual who is also a representative), a representative of an FSP who stands to benefit, and an FSP who may benefit or all or some of its representatives. It would follow that the limitation of the R1 000 amount is aimed at providers (FSPs) and their representatives. As the FSP may also be a legal entity, it would follow that such reference would include the Key Individuals (in their capacity as representatives) linked to such providers. The requirements in Board Notice 58 of 2010 apply to all relationships between the FSP and other FSPs, product suppliers and representatives, in respect of services rendered in South Africa, but regardless of whether they are domiciled in South Africa or internationally.
2.2. Complaints Management Framework
Definitions
In this document, unless inconsistent with or otherwise indicated by the context, the following terms will have the meanings assigned to them hereunder:
“Company” means CareCover (PTY)Ltd with registration number 2012/161057/07, a private company with limited liability duly incorporated in accordance with the laws of the Republic of South Africa;
“Complaint” means an expression of dissatisfaction to CareCover and/or our service provider (to the knowledge of the Insurer) relating to a policy or service which indicates/alleges, that:
– The Insurer, the Company or their service provider failed to comply with an
agreement, a law, a rule, or a code of conduct;
– The Insurer, the Company or their service provider’s maladministration or
wilful/negligent action or omission, caused the person harm, prejudice, distress or
substantial inconvenience;
– The Insurer, the Company or its service provider has treated the person unfairly;
– Regardless whether submitted together with or in relation to a policyholder query;
“Complainant” means a person acting on their behalf, who has a direct interest in the agreement, policy or service, and includes a
– policyholder or their successor in title;
– beneficiary or their successor in title;
– person whose life is insured under a policy;
– person that pays a premium;
– member of a group scheme or; and
– potential policyholder or potential member of a group scheme whose
dissatisfaction relates to the relevant application, approach, solicitation, advertising or marketing material.
“Customer” of a financial institution means any user, former user or beneficiary of one or more of the financial institution’s financial products or services, and their successors in title.
“Customer query” means a request to the financial institution by or on behalf of a customer or prospective customer, for information regarding the financial institution’s products, services or related processes, or to carry out a transaction or action in relation to any such product or service. A query will not be treated as a complaint unless some form of dissatisfaction is expressed.
“Framework” means this Complaints Management Framework.
“Rejected” means that a complaint was not upheld. The Insurer and the Company regards the complaint as finalised after advising the complainant that it does not intend to take any further action to resolve the complaint, Including complaints regarded as unjustified or invalid/ where the complainant does not accept or respond to proposals to resolve the complaint.
“Compensation payment” means to compensate a complainant for a proven or estimated financial loss incurred because of the Insurer or the Company’s wrongdoing, the Insurer and/or Company accepts liability for having caused the loss concerned, excluding: – goodwill payment;
– payment contractually due in terms of a policy; or
– refund of an amount which was not contractually due.
“Goodwill payment” means a payment (monetary or in the form of a benefit or service as an expression of goodwill aimed at resolving a complaint, where the Insurer or Company do not accept liability for any financial loss to the complainant.
“Days” means business days.
“Reportable complaint” means any complaint (as per the definition above) unless;
– upheld immediately by the person who initially received the complaint;
– upheld within the Insurer or Company’s ordinary processes for handling policyholder queries, provided that such process does not take more than five
business days from the date the complaint is received; or
– submitted to or brought to the attention of the Insurer or Company in such a
manner that the Insurer or Company do not have a reasonable opportunity to
record such details of the complaint.
“the Insurer” means Short Term Insurance providers
“Upheld” means that a complaint has been finalised wholly or partially in favour of the complainant and;
– the complainant has explicitly accepted that the matter is fully resolved; or
– it is reasonable for the insurer to assume that the complainant has so accepted; and
– all undertakings made by the insurer to resolve the complaint have been met or the complainant has explicitly indicated its satisfaction with any arrangements.
Introduction:
Customer satisfaction is an integral part of CareCover’s culture and we appreciate our clients bringing their concerns to our attention. By doing so it will not only allow us to correct defective service delivery, but most importantly allow us to enhance the service excellence that we at CareCover aspire to bring to you as a valued client. The Framework serves to meet the requirements of relevant legislation. It needs to ensure fair treatment of policyholders and beneficiaries and must be reviewed regularly.
Objective and Key Principles
The Framework must be maintained, operated adequately and effectively and ensure
that:
is proportionate to the nature, scale and complexity of the insurer’s business
and risks;
is appropriate for the business model, policies, services, policyholders, and
beneficiaries of the Insurer and Company;
enables complaints to be considered after taking reasonable steps to gather
and investigate all relevant info and circumstances, with due regard to the fair
treatment of complainants; and
does not impose unreasonable barriers to complainants.
The objective of this framework is to ensure that customers are provided with the best possible complaint resolution service and to align the actions of the personnel of the Company with the prescriptions of the law regarding Complaints management in a Financial Service Industry, as regulated.
This framework will be binding on all employees of the Insurer and the Company, working within the borders of South Africa, who deal in the financial services environment, as it pertains to the jurisdiction of the Financial Sector Conduct Authority (FSCA) and in accordance with relevant legislation. The framework, also meets the requirements of the Financial Advisory and Intermediaries Act, 2002 (“FAIS”), which requires a Complaints Policy. Accordingly, there is not a separate Complaints Policy.
CareCover is committed to:
Resolving customer complaints in a fair manner for customers, our business
and our employees;
Ensuring that customers are fully informed of complaints procedures;
Ensuring access to our complaints resolution facilities by way of email,
telephone or post;
Ensuring the training of employees to deal with complaints, and escalate any
matters where required;
Dealing with complaints in a timely manner, with each complaint being treated
on a case by case basis, based on the merits of the matter;
Where a complaint is resolved in favour of a client, CareCover will offer full
and appropriate redress;
Informing clients of their right to refer their complaints to the relevant
Ombudsman should a complaint not be resolved to their satisfaction;
Maintaining records of all complaints received for a minimum period of 5
years or as required by law
Allocation of Responsibilities
The Executive Director together with the Key Individual is responsible to ensure that all complaints lodged are treated in line with this framework. He/she will ensure that adequate resources are allocated to complaints handling and that any person dealing with complaints are:
Adequately trained;
Experienced in complaints handling and appropriately qualified;
Not be subject to a conflict of interest and
Be adequately empowered to make impartial decisions or recommendations.
Submitting a Complaint
All complaints should be referred to the Complaints Officer with the following details: Email: support@carecover.net
Tel: +27 769 000 410. If possible, complaints should be submitted as
follows:
in writing, where possible, by completing the online form on the webpage
www.carecover.net, or alternatively complete the complaints form and email
it to [email address] and attaching all supporting documents relevant to the
complaint to enable CareCover to attend to the complainant’s concerns
timeously
If not possible, by calling +27 769 000 410
CareCover will also monitor the relevant social media platforms including Hello Peter.
Once a complaint is received an acknowledgement of receipt is sent to the complainant including reference to this Complaints Management Framework detailing the process to be followed (within a reasonable time after receipt), including:
contact details of the person/department that will be handling the complaint;
and
timelines;
details of the internal complaints escalation and review process and details of
relevant Ombud where applicable.
Performance Standards, Remuneration and Reward Strategies
An acknowledgment of receipt of the complaint will be provided within 72 hours to the complainant.
All complaints will be investigated and resolved in a fair and professional manner and feedback will be provided to the complainant within 15 days of the date of receipt of your initial complaint – provided that all information required has been provided and/or an investigation has been completed.
In cases where further information, assessment or investigation is required, agree with the complainant on a reasonable timeframe not exceeding 20 days of receipt of the complaint.
Where a complaint has been upheld, ensure that a full and appropriate level of corrective action is offered without delay. Any commitment to make a payment or to take other action is carried out without undue delay and within any agreed timeframes.
Where a complaint is rejected, CareCover provides the complainant with clear and adequate reasons for the decision and any applicable escalation or review processes as well as details of external dispute resolution entities that may be utilised.
All staff are measured in terms of key performance areas that includes complaints management and are remunerated and rewarded accordingly.
Categorisation of Complaints/ Record keeping, Monitoring and Analysis
Complaints are categorised, recorded and reported on and includes the following: design of a policy or related service (incl. premiums or other fees or charges); information provided to policyholders;
advice;
policy performance;
service to policyholders (including complaints relating to premium collection
or lapsing of policies);
policy accessibility, changes or switches;
complaints handling;
complaints relating to insurance risk claims, including non-payment of claims; and
other complaints.
All reportable complaints are categorised, recorded and reported by identifying the category to which it most closely relates.
Complaint reports are scrutinised and analysed on an ongoing basis and used to manage conduct risk and improve outcomes to policyholders.
The following is recorded in respect of each reportable complaint:
relevant details of the complainant and the subject matter of the complaint; copies of all relevant evidence, correspondence and decisions;
the complaint categorisation; and
progress and status of the complaint, incl. whether turnaround times were
adhered too.
The following ongoing data regarding the number of reportable complaints are maintained:
Received, upheld, outstanding / rejected (and reasons for the rejection);
escalated to the internal complaints escalation process; and
referred to an Ombud and their outcome.
Details of compensation payments and goodwill payments, including the amounts are recorded.
Complaints that are not reportable complaints are analysed to identify noteworthy trends in relation to the types, volumes or incidence to manage conduct risks.
Complaints Escalation and Review process
Should a complainant not be satisfied with the outcome of a complaint, the complainant has the right to have the decision reviewed by another employee of CareCover that holds the appropriate knowledge, expertise, experience, seniority and authority to deal with the review or escalation process.
If a complainant wishes to have a decision regarding a complaint reviewed:
CareCover will treat it as a Dispute;
When a decision has been made, respond to the complainant in writing
giving:
Reasons for the decision;
Provide information about how to access external dispute resolution
or policyholder recourse mechanisms, and the time frame in which to
do so.
Regulatory Complaints
All complaints lodged with the Ombudsman for Short Term Insurance and all legal proceedings in respect of the Insurer, the policies and/or the insurance business must be dealt with exclusively by the Insurer.
CareCover will give all assistance and cooperation to the Insurer in respect of any of the above and promptly furnish all documents / information and give all representations required in order to enable the Insurer to defend any such legal proceedings, claims, potential claims, complaints or potential complaints.
CareCover shall within 24 (twenty-four) hours of receipt of a complaint, a notification from the Ombudsman for Short Term Insurance or any other legal document pertaining to the Insurer, the Insurance Business and/or the Policies, provide a copy of such documents and any supporting documents to the Insurer.
The relevant details of the Insurer:
Non-Life Ombud complaints: [email address]
Repudiation requests: [email address]
FAIS complaints:[email address]
Should the complainant not be satisfied he/she may re-direct the complaint and all supporting documents to the following parties, in writing, within a 6 months period of receipt of such feedback from CareCover:
The Short-Term Insurance Ombudsman:
Telephone: (011) 726 8900
Address: P.O BOX 32334, Braamfontein, 2017
Email: info@osti.co.za
The Ombudsman’s task is to act as a “mediator” or informal arbitrator and
he/she does not represent either of the parties to the dispute.
Important points to remember:
CareCover would encourage the complainant to complain to the Insurance company first. If the complaint is not resolved to the satisfaction of the client refer the matter to the Ombudsman’s Office. The Ombudsman’s decisions are binding on the insurance company but not on you. The Ombudsman’s Office is an independent office. The Ombudsman’s decisions can be based on law and equity. The Ombudsman’s Office does not give legal advice. The service is free to insured consumer. The Short-Term Insurance Ombud offers consumers a “no risk” mechanism to resolve disputes with insurers. The office can assist consumers with certain personal lines short term insurance as well as with limited commercial insurance matters. Refer to the website as noted above for more details.
The FAIS Ombudsman: Telephone: (012) 662 5000
Email: info@faisombud.co.za
Address: P.O BOX 74571, Lynnwood Ridge, 0040
The FAIS Ombud deals with complaints submitted to the Office by a specific
client against a financial services provider. Refer to the website as noted
above for more details.
The Registrar of Short Term Insurance:
Telephone: [telephone number]
Fax: [telephone number]
Website: [web address]
The Registrars duties are wide ranging and must ensure that Insurers comply with the following, however not limited to:
– Submission of statements and accounts;
– Statement of liabilities;
– Statement of assets;
– Solvency margin regulations;
– Separation of assets;
– Commission rates for intermediaries.
– Refer to the website as noted above for more details.
Institution of legal action After receipt of the notification to repudiate or
dispute the claim or the quantum of the claim, the complainant has six
months within which to institute legal action.
3. Website Content
3.1. Unless expressly indicated to the contrary, calculations and/or prices displayed on this
website are approximations only and are intended as guidelines.
3.2. Subscribing to any service or buying any product through this website is, in addition to
these Terms and Conditions, subject to such relevant service’s and/or product’s
specific terms and conditions as well as applicable legislation.
3.3. Links to third party websites are provided for convenience only and may be
discontinued at any time. The fact that CareCover provides a link to a third party
website does not mean that we endorse, authorise or sponsor that website nor that
CareCover is affiliated to such website’s owners or sponsors.
3.4. The information provided on this website is not, nor must you regard it as, financial,
legal, health, tax or investment advice. Before making any decision or taking any
action based on any information displayed on this website it is recommended that you
first seek appropriate professional advice.
4. Use of Website
4.1. Unless expressly indicated to the contrary, all information, products and/or services
displayed on, or accessed through, this website is for your personal and
non-commercial use only.
4.2. You may not use our website or any of the products or services that we offer:
4.2.1. for harmful purposes (such as causing annoyance, inconvenience, harassment
or anxiety to others);
4.2.2. for unlawful or illegal purposes (such as exploitation or purposes that may
create a privacy or security risk to any person);
4.2.3. to disclose, share or publish any material that may be offensive, defamatory,
may violate or infringe the rights of others, is false, misleading, obscene,
indecent, pornographic, discriminatory, oppressive, racist, sexist, bigoted,
abusive and/or threatening, constitutes hate speech or contains foul, threatening
or offensive language, promotes any harm or illegal activities or which may have
the effect of causing embarrassment or injury to us;
4.2.4. for the purpose of impersonating any person;
4.2.5. to collect or obtain any personal information about other users; or
4.2.6. to create, store or send any unsolicited communications to any person.
5. Electronic Communication
5.1. By using our website you agree to receive communications from us electronically and
accept all risks associated therewith.
5.2. If you send any information to us electronically you agree that we can act on, and rely
on, such information. The onus rests on you to ensure that we do receive all electronic
information that you send to us.
5.3. If we need to send you any agreements, notices or other communications you agree
that we may send same electronically and you furthermore agree that such
agreements, notices or other communications will constitute communications in
writing.
5.4. By using our website and submitting information to us electronically you agree to us
having the right to store such information.
5.5. Although we take great care to protect information received from you electronically we
cannot guarantee the safety and privacy of such information and you are accordingly
advised that all information sent to us electronically is done so entirely at your own
risk.
5.6. Electronic communication sent to us shall only be regarded as received if and when
we acknowledge receipt of same in writing.
If any electronic communication sent to us is blocked, filtered and/or destroyed by our
content filtering and virus checking systems we shall not be 3 regarded as having
received such electronic communication.
5.7. By using this website you agree that we may intercept, block, filter, read, delete,
disclose and use all communications that you send to us electronically, subject to the
provisions of the Interception of Communications Act, 70 of 2002.
6. Offer to do business
6.1. Unless expressly indicated to the contrary, nothing on this website shall constitute an
offer for the sale or provision of any service or product.
6.2. If you choose to use the information displayed on this website to subscribe for or
purchase any service or product from CareCover your request to do so shall be
regarded as an offer to do business with us which offer in turn may, in our sole
discretion, be accepted or rejected. No acceptance of an offer from you to purchase a
product or subscribe for a service will be valid and binding on us unless confirmed, in
writing, by a duly authorised representative of CareCover.
7. Full Disclosure
7.1. You warrant that all the information you provide to us via this website is true, accurate,
current and correct and you undertake to update such information as and when
required.
7.2. You acknowledge that any untrue, inaccurate and/or misleading information supplied
to us via this website may lead to the cancellation or suspension of the relevant
service(s) and/or product(s).
9. No Warranties
9.1. Whilst we take great care to ensure that the information published on this website is
correct, complete, accurate and up-to-date we do not provide any warranties in
respect of such information and we are not responsible for any inaccuracies or errors
contained in such information.
9.2. This website and all information, content, tools and materials contained thereon, or
linked thereto, is provided on an “as is” and “as available” basis.
9.3. We do not guarantee that this website, the information, content, tools or materials
included on the website, our servers or any electronic communication sent by us is
free from viruses or other damaging components.
9.4. We will not be liable for any damages of whatsoever nature arising from your use of
this website or from any information, content, tools or materials included on, or
otherwise made available, through this website including direct, incidental, punitive
and/or consequential damages.
10. Intellectual Property Rights
10.1. All content made available on this website (for example, text, graphics, logos, button
icons, images, audio clips, digital downloads, data compilations and software) as well
as the compilation thereof belongs to CareCover and is protected by South-African
copyright laws.
10.2. Except if expressly permitted in terms of these Terms and Conditions or another
written agreement with CareCover, no portion of this website may be copied or
transmitted via any means whatsoever.
10.3. Any unauthorised use, alteration or dissemination of the information or content on
this website is prohibited.
10.4. Written permission is required to use the CareCover trademark.
10.5. CareCover does not accept liability for any consequences that may result from the
unlawful breach of copyright or unlawful dissemination of information by third parties
copying information off this website. If you suspect a breach or where a breach may
have taken place and this comes to your knowledge, please contact us as soon as
possible so that we can address the problem.
11. No Liability
11.1. By using our website, you agree to indemnify us, our shareholders, employees,
suppliers, group companies, contractors, consultants, network operators, partners,
affiliates and agents in respect of any claims, costs (including legal costs), expenses,
loss, liabilities, damages (whether direct or indirect damages), demands, actions or
other legal proceedings arising from or as a result of:
11.1.1. accessing our website or any third party website;
11.1.2. your inability to access our website or any third party website;
11.1.3. any decisions that you make based on the information published on our
website;
11.1.4. your use of our website or any tools contained on our website or your reliance
on any information on the website;
11.1.5. the submission by you of any personal information on the website or the
sending of any personal information by you to us or by us to you;
11.1.6. any steps that we take on your behalf, where you asked or instructed us to do
so;
11.1.7. any errors or inaccuracies contained in any information that you have
provided to us, or contained in any information published on our website;
11.1.8. the use by any third party of our website, using your website access details
(username and password);
11.1.9. the breach of any intellectual property rights arising from your use of our
website;
11.1.10. any interruption, delayed or failed transmission experienced in using our
website;
11.1.11. any viruses that may corrupt your computer or system as a result of your use
of our website; or
11.1.12. your failure to abide by these Terms and Conditions.
12. Electronic Scams
12.1. If you receive any unsolicited email that appears to be from CareCover and that
requests you to provide personal information (e.g. your credit card number, banking
details etc.) or that asks you to verify or confirm your personal information by clicking
on a link, it is most likely that such email was sent by an unauthorised third party
trying to scam you.
12.2. CareCover will never ask for this type of information in an unsolicited email and we
strongly recommend that you do not respond to these emails nor click on any such
links.
13. COOKIE TRACKING
The website may use cookie and tracking technology depending on the features offered. Cookie and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to the website, and understanding how visitors use the website. Cookies can also help customize the website for visitors. Personal information cannot be collected via cookies and other tracking technology; however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.
13. Jurisdiction and Applicable Law
By accessing and using this website you agree that the laws of the Republic of South Africa will govern these Terms and Conditions and you consent to the exclusive jurisdiction of the South African Courts based in the Western Cape in respect of any dispute which may arise from these Terms and Conditions or your use of the website.