Terms and Conditions.
Last Updated: 5 July 2025
Please read these Terms and Conditions carefully before using the zainsuranceservices.co.za website.
Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.
By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.
1. Intellectual Property.
The Service and its original content, features, and functionality are and will remain the exclusive property of ZA Insurance Services and its licensors. Our content is protected by copyright, trademark, and other laws of both South Africa and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of ZA Insurance Services.
You may access, view, and print content from the Service for your personal, non-commercial use only. Any other use, including the reproduction, modification, distribution, transmission, republication, display, or performance, of the content on this Service is strictly prohibited without our prior written consent.
2. Use of the Service.
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Eligibility: By using the Service, you represent that you are at least 18 years old or are accessing the Service under the supervision of a parent or guardian.
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Permitted Use: You agree to use the Service only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the Service.
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Prohibited Activities: You agree not to:
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Use the Service in any way that violates any applicable national or international law or regulation.
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Transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter”, “spam”, or any other similar solicitation.
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Impersonate or attempt to impersonate ZA Insurance Services, a ZA Insurance Services employee, another user, or any other person or entity.
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Engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Service, or which, as determined by us, may harm ZA Insurance Services or users of the Service or expose them to liability.
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Use any automated system (e.g., robots, spiders) to access the Service for any purpose without our express written permission.
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Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Service, the server on which the Service is stored, or any server, computer, or database connected to the Service.
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3. User-Generated Content (e.g., Comments)
If the Service allows you to post or submit content (like comments on blog posts), you agree that any content you submit will:
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Be original to you and accurate.
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Not violate the rights of any third party, including copyright, trademark, privacy, publicity, or other personal or proprietary rights.
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Not contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.
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Not promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
- Not advocate, promote, or assist any illegal act.
By submitting content, you grant ZA Insurance Services a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.
We have the right to:
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Remove or refuse to post any user content for any or no reason in our sole discretion.
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Take any action with respect to any user content that we deem necessary or appropriate in our sole discretion, including if we believe that such user content violates the Terms, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Service or the public, or could create liability for ZA Insurance Services.
- Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
4. Disclaimer of Warranties.
The Service is provided on an “AS IS” and “AS AVAILABLE” basis. Your use of the Service is at your sole risk. To the fullest extent permitted by law, ZA Insurance Services disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.
ZA Insurance Services does not warrant that:
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The Service will function uninterrupted, securely, or be available at any particular time or location.
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Any errors or defects will be corrected.
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The Service is free of viruses or other harmful components.
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The results of using the Service will meet your requirements.
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The information provided on the Service is accurate, complete, reliable, or current.
Please refer to our separate Disclaimer & Affiliate Disclosure page for further details on the nature of the information provided on this Service.
5. Limitation of Liability.
In no event shall ZA Insurance Services, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
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Your access to or use of or inability to access or use the Service.
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Any conduct or content of any third party on the Service.
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Any content obtained from the Service.
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Unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
6. Affiliate Links.
As detailed in our Disclaimer & Affiliate Disclosure page, this Service contains affiliate links, meaning we may earn a commission if you make a purchase through those links, at no extra cost to you. Our reviews and recommendations remain unbiased regardless of affiliate partnerships.
7. Links to Other Websites.
Our Service may contain links to third-party websites or services that are not owned or controlled by ZA Insurance Services.
ZA Insurance Services has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that ZA Insurance Services shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
8. Governing Law and Jurisdiction.
These Terms shall be governed and construed in accordance with the laws of South Africa, without regard to its conflict of law provisions.
Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the courts.
9. Severability.
If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
10. Entire Agreement.
These Terms, together with our Privacy Policy and Disclaimer & Affiliate Disclosure, constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have between us regarding the Service.
11. Changes to Terms.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.
12. Contact Us
If you have any questions about these Terms, please contact us:
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By Email: admin@zainsuranceservices.co.za
