Terms of Use

By using the Pan African Insurance Brokers website these Terms of Use apply to you and you agree to comply with the Terms of Use. The Terms of Use may change from time to time and the terms displayed at the time that you use the website will govern your use of the website.

Information on the website is intended to serve as general information on the chosen subjects.  The decisions you make based on this information do not constitute advice.  Before making any decision or taking any action based on any information on the Pan African Insurance Brokers website you should ensure you are sufficiently well informed. Pan African Insurance Brokers is not liable for any losses or damages suffered as a result of relying on the information on the website.

Subscribing to any service or buying any product through the website is subject to Pan African Insurance Brokers contractual terms applicable to that product or service and applicable legislation.

A link to a third-party website does not necessarily mean that Pan African Insurance Brokers endorses, authorises or sponsors that website, or that Pan African Insurance Brokers is affiliated to such website's owners or sponsors. Pan African Insurance Brokers is not responsible or liable for any content displayed on any third-party website.

Use of the Pan African Insurance Brokers website or the purchase of services or products from Pan African Insurance Brokers in the country in which you live may not be permissible within the regulations of your country.  Your use of the website or any purchase that you may make is entirely at your own risk. Pan African Insurance Brokers does not accept any liability where a product or service is purchased illegally.

Pan African Insurance Brokers takes reasonable care to provide accurate information on the Pan African Insurance Brokers website. However, information displayed on the Pan African Insurance Brokers website is provided without any express or implied warranty that the information 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 or malware free.

You may not -

• Reproduce, modify, create derivative works from, publish, distribute, transmit, display, license or transfer any of the content displayed on the website unless you have Pan African Insurance Brokers 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, such as content that is threatening, defamatory or pornographic or content that could damage Pan African Insurance Brokers image or impair its ability to do business;
• Use the website in a manner that could damage, disable, overburden, or impair any Pan African Insurance Brokers server or network connected to any Pan African Insurance Brokers server or interfere with any other party's use of the Pan African Insurance Brokers website;
• Interfere with any content displayed on the Pan African Insurance Brokers website or attempt or gain unauthorised access to the information displayed on the website to which you may not be authorised, or to any secure area on the website, a Pan African Insurance Brokers server or any other part of the Pan African Insurance Brokers information system.
• Frame the website or any of its pages or content without Pan African Insurance Brokers prior written consent.

When you communicate with Pan African Insurance Brokers by electronic communication methods provided for on this website or as recommended by this website, you agree that the electronic communication is binding on you. You agree that all electronic agreements, notices, disclosures, and other communications satisfy any legal requirement that such communications should be in writing. You accept the risks inherent in electronic communication in whatever form.

You are responsible to ensure that Pan African Insurance Brokers has received the information communicated electronically.

You acknowledge and consent that Pan African Insurance Brokers, in its discretion, may retain and store your electronic communications for the purpose for which they were sent.

Any email communication sent to you will be regarded for the purposes of this agreement to have been received by you when it enters an information system outside of the control of Pan African Insurance Brokers.

Pan African Insurance Brokers is not responsible for the wireless services used by devices and disclaims any responsibility for the lack of functionality, capability or reliability of any device or software used to access the Pan African Insurance Brokers website.

Use of the Pan African Insurance Brokers website is free of charge but you are responsible for any fees which may be charged by your service provider which may be associated with your using the Pan African Insurance Brokers website.

The functionality and use of your device is outside of the control of Pan African Insurance Brokers and Pan African Insurance Brokers will not be responsible for interference with the integrity, transmission, delays, limitation of network coverage, outages or interruption in the wireless services.

Pan African Insurance Brokers 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 Pan African Insurance Brokers website by you.

Pan African Insurance Brokers 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.

Although Pan African Insurance Brokers takes reasonable care to prevent harm or loss to you, Pan African Insurance Brokers will not be liable for any loss or damage you may suffer arising from your ability or inability to use the Service.

You warrant that:

• You are who you say you are and that you can prove your identity should Pan African Insurance Brokers require you to do so;
• That all information you provide at any time to Pan African Insurance Brokers using the Pan African Insurance Brokers website will in all respects be current, complete, and accurate.

The website and all its content (including software, text, graphics, icons, hyperlinks, private information, and designs) are owned by or licensed to Pan African Insurance Brokers. The website and its contents it may not be used in any way without Pan African Insurance Brokers or the licensor's prior written consent.

Pan African Insurance Brokers reserves the right to:

• Refuse you further access to the website if:
  • you breach any of the terms of use applicable from time to time;
  • Pan African Insurance Brokers is unable to verify or authenticate any information you provide to it; or
  • Pan African Insurance Brokers believes that you are conducting activities that are illegal, abusive, threaten the integrity of the website, or may place Pan African Insurance Brokers 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.

You agree to indemnify and hold harmless Pan African Insurance Brokers, any member of Pan African Insurance Brokers 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 by you to adhere to these terms of use.

You agree to submit to the jurisdiction of the High Court of South Africa (Western Cape Provincial Division).

You agree that South African law applies, regardless of where you may be located or in what court action may be instituted.

No failure or delay by Pan African Insurance Brokers to exercise any of its rights will be construed as a waiver of any such right.

If any part of this Agreement is held to be invalid, unlawful or unenforceable, the clause will be deleted from the Agreement, the remainder of which will continue to be valid to the full extent permitted.

Copyright © Pan African Insurance Brokers. Pan African Insurance Brokers owns this website and its contents.