Terms & Conditions of use of this website

2.1. Information contained on this website is intended to serve as general information on the chosen subject(s) only and not as an exhaustive treatment of those subjects.

2.2. Unless expressly indicated to the contrary, calculations and/or prices displayed on this website are approximations only and are intended as guidelines.

2.3. 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.

2.4. Links to third party websites are provided for convenience only and may be discontinued at any time. The fact that Clientèle provides a link to a third party website does not mean that we endorse, authorise or sponsor that website nor that Clientèle is affiliated to such website's owners or sponsors.

2.5. 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.

3.1. 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.

3.2. You may not use our website or any of the products or services that we offer:

3.2.1. for harmful purposes (such as causing annoyance, inconvenience, harassment or anxiety to others);

3.2.2. for unlawful or illegal purposes (such as exploitation or purposes that may create a privacy or security risk to any person);

3.2.3. 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;

3.2.4. for the purpose of impersonating any person;

3.2.5. to collect or obtain any personal information about other users; or

3.2.6. to create, store or send any unsolicited communications to any person.

4.1. By using our website you agree to receive communications from us electronically and accept all risks associated therewith.

4.2. 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.

4.3. 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.

4.4. By using our website and submitting information to us electronically you agree to us having the right to store such information.

4.5. 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.

4.6. 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 regarded as having received such electronic communication.

4.7. 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.

5.1. Unless expressly indicated to the contrary, nothing on this website shall constitute an offer for the sale or provision of any service or product.

5.2. If you choose to use the information displayed on this website to subscribe for or purchase any service or product from Clientèle 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 Clientèle.

6.1. 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.

6.2. 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).

Your privacy is important to Clientèle and all personal information that you submit to us via this website will be treated in accordance with our privacy policy (Click here to view).

8.1. 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.

8.2. This website and all information, content, tools and materials contained thereon, or linked thereto, is provided on an "as is” and "as available” basis.

8.3. 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.

8.4. 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.

9.1. 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 Clientèle and is protected by South-African copyright laws.

9.2. Except if expressly permitted in terms of these Terms and Conditions or another written agreement with Clientèle, no portion of this website may be copied or transmitted via any means whatsoever.

9.3. Any unauthorised use, alteration or dissemination of the information or content on this website is prohibited.

9.4. Nothing on this website should be regarded as granting any license or right to use any Clientèle trademark without our prior written permission.

9.5. Clientèle 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 informationoff 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.

10.1. 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:

10.1.1. accessing our website or any third party website;

10.1.2. your inability to access our website or any third party website;

10.1.3. any decisions that you make based on the information published on our website;

10.1.4. your use of our website or any tools contained on our website or your reliance on any information on the website;

10.1.5. 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;

10.1.6. any steps that we take on your behalf, where you asked or instructed us to do so;

10.1.7. any errors or inaccuracies contained in any information that you have provided to us, or contained in any information published on our website;

10.1.8. the use by any third party of our website, using your website access details (username and password);

10.1.9. the breach of any intellectual property rights arising from your use of our website;

10.1.10. any interruption, delayed or failed transmission experienced in using our website;

10.1.11. any viruses that may corrupt your computer or system as a result of your use of our website; or

10.1.12. your failure to abide by these Terms and Conditions.

11.1. If you receive an unsolicited email that appears to be from Clientèle 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.

11.2. Clientèle 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.

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 North-Gauteng High Court in respect of any dispute which may arise from these Terms and Conditions or your use of the website.

The Clientèle Group consists of, amongst others, Clientèle Limited (the JSE listed holding company), Clientèle Life Assurance Company Limited ("Clientèle Life”), Independent Field Advertiser ("IFA”) a division of Clientèle Life and Clientèle General Insurance Limited ("Clientèle General”).

Both Clientèle Life (Reg No: 1973/016606/06) (FSP No: 15268) and Clientèle General (Reg No: 2007/023821/06) (FSP No: 34655) are authorised Financial Services Providers and registered insurers.

All Clientèle Group emails are subject to the following disclaimer:

This email and any attachments hereto are confidential and intended solely for the sight and use of the individual or entity to whom it is addressed.

If you have received this email in error please notify the sender hereof immediately and refrain from disseminating, distributing or copying this email or any attachments hereto. You may not print, store, forward or copy this email or any part thereof nor disclose, or allow to disclose, any information contained in this email to any unauthorised third party. The information contained in, or attached to, this email is confidential and may be subject to legal privilege and client confidentiality. The views and opinions expressed in this email are solely those of the sender and do not necessarily represent those of the Clientèle Group. The Clientèle Group waives all liability for any errors or omissions in the content of this email which may arise as a result of email transmission.

The Clientèle Group renounces all liability for any harm or loss which may result from malicious software code or viruses contained in this email or any attachments hereto. No Clientèle Group employee or representative is permitted to send unsolicited emails ("spam”) and the Clientèle Group accordingly waives all liability which may arise from spam emails. The Clientèle Group furthermore waives all liability which may arise from the content of this email, or from the consequences of any actions taken on the basis of information contained in or attached to this email, unless such content and/or information is subsequently endorsed in writing by a duly authorised representative of the Clientèle Group. Should this email contain any offensive, derogatory or defamatory statements or materials it implies that same has been sent outside of the sender's scope of employment or authority with the Clientèle Group and the sender accepts personal liability for any damages which may arise therefrom.

Unless otherwise agreed in writing, the Clientèle Group shall only be deemed to have received an email once we have formally confirmed receipt thereof and we shall only be deemed to have sent an email once same reflects as "sent” in our email server.

This disclaimer applies to all original emails, any attachments thereto as well as all subsequent emails or attachments which may be transmitted.

Clientèle Limited: Clientèle Office Park, Cnr of Alon & Rivonia Roads, Morningside,

South Africa, www.clientele.co.za.

Clientèle Limited

Registration No. 2007/023806/06, PO Box 1316, Rivonia, 2128, South Africa

Clientèle Office Park, Cnr. Rivonia and Alon Roads, Morningside

Tel: 011 320 3000, Fax: 011 320 3133, email: services@clientele.co.za, www.clientele.co.za

Directors: GQ Routledge (chairman), BW Reekie* (managing), ADT Enthoven, B Frodsham*, PR Gwangwa, IB Hume*, BY Mkhondo, D Molefe, BA Stott, RD Williams (*executive), W van Zyl (company secretary)

Clientèle Life Assurance Company Limited

Registration No. 1973/016606/06, PO Box 1316, Rivonia, 2128, South Africa

Clientèle Office Park, Cnr. Rivonia and Alon Roads, Morningside

Tel: 011 320 3000, Fax: 011 320 3133, email: services@clientele.co.za, www.clientele.co.za

Directors: GQ Routledge (chairman), BW Reekie* (managing), ADT Enthoven, PR Gwangwa, IB Hume*, H Louw*, B Y Mkhondo, D Molefe, JWF Pretorius*, BA Stott, RDT Tabane*, RD Williams (* executive), W van Zyl (company secretary)

Clientèle Life is an authorised Financial Services Provider FSP No. 15268

Clientèle General Insurance Limited

Registration No. 2007/023821/06, PO Box 1316, Rivonia, 2128, South Africa

Clientèle Office Park, Cnr. Rivonia and Alon Roads, Morningside

Tel: 011 320 3000, Fax: 011 320 3361, email: legalservices@clientele.co.za www.clientele.co.za

Directors: GQ Routledge (chairman), LH Balcomb* (managing), IB Hume*, BY Mkhondo, BW Reekie*, BA Stott, RD Williams (* executive), W van Zyl (company secretary)

Clientèle General Insurance Limited is an authorised Financial Services Provider FSP No. 34655