Terms and Conditions

Terms and Conditions

Effective Date: 1 October 2024

Welcome to the 1st 4 Men Insurance (Pty) Ltd website. If you’ve made it this far, you must be the kind of guy that’s a stickler for details. Impressive! We love to keep things straightforward and simple, but there’s no getting away from the boring T’s & C’s. These Terms & Conditions (let’s just call them “Terms” for short) govern your use of our website and the services provided by 1st 4 Men Insurance (Pty) Ltd. FSP39313 (“we,” “us,” “our”). By accessing or using our website, you agree to comply with and be bound by these Terms. Please read them carefully and if anything isn’t clear, feel free to give us a shout.

  1. Introduction

There’s a few things that our Lawyers made us promise to tell you, and one of them is that 1st 4 Men Insurance (Pty) Ltd. FSP39313, is a registered financial services provider offering various insurance products and services. By using our website, you acknowledge and agree that these Terms constitute a legally binding agreement between you and 1st 4 Men Insurance (Pty) Ltd. FSP39313. Now you know! More from the legal beavers, later.

  1. Use of Website
  • Eligibility: We’re here for all South African men, but you must be at least 18 years old and have the legal capacity to enter into these Terms to use our website.
  • Permitted Use: Feel free to use our website for personal, non-commercial purposes, including obtaining competitive quotes, purchasing awesome insurance products, and accessing related services designed to have your back when it matters most
  • Prohibited Use: ou agree not to use our website for any unlawful purpose or in a manner that could damage, disable, or impair our website or interfere with any other party’s use of our website.
  1. Online Quotes and Insurance Products
  • Quotes: We’ve got some really smart folks with big calculators working for us, and they want you to know that the online quotes provided on our website are for informational purposes only and do not constitute a binding offer. All quotes are subject to underwriting approval and may change based on additional information provided during the application process. This is to make sure that we offer you the best rates on quality cover for the things that matter, and don’t charge you for the things that don’t.
  • Application and Acceptance: The process to request a quotation may be super easy, but don’t count your chickens before they hatch. Submitting an application or request for insurance does not guarantee acceptance. We reserve the right to accept or reject any application in accordance with our underwriting criteria and applicable laws.
  • Policy Documents: Upon acceptance of your application, the terms and conditions of your insurance policy will be provided to you in a separate document. These policy documents will govern your relationship with us and will take precedence over any conflicting terms on our website. Call any time you like and we’ll clarify anything you’re not 100% sure of.
  1. Legal Compliance

We believe in doing the right things right. Because of this, 1st 4 Men Insurance (Pty) Ltd is committed to complying with all applicable laws and regulations, including but not limited to the Financial Advisory and Intermediary Services Act (FAIS Act), the Short-term Insurance Act, and the Long-term Insurance Act.

 

  1. Payment Terms
  • Premium Payments: The best things in life are free but unfortunately your insurance premiums aren’t. All insurance products offered by us require the payment of premiums. You agree to pay the premiums as specified in your policy documents
  • Payment Methods: The good news is that we accept various payment methods, including credit cards, debit orders, and electronic funds transfers. All payments must be made in South African Rand (ZAR).
  • Late Payments: The bad news is that failure to pay your premiums on time may result in the cancellation of your policy or the suspension of coverage. It is your responsibility to ensure that payments are made in accordance with the terms set out in your policy documents.
  1. Intellectual Property
  • Ownership: All content on our website, including text, graphics, logos, images, and software, is the property of 1st 4 Men Insurance (Pty) Ltd or its licensors and is protected by intellectual property laws.
  • License: We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. Our creative team spent a lot of time building our awesome website and they’re very sensitive to copycats stealing their stuff. You may not reproduce, distribute, or create derivative works based on our content without our express written permission.
  1. Limitation of Liability
  • No Warranty: Your shiny new car may come with a warranty, but sadly, our website doesn’t. While we strive to ensure the accuracy of the information on our website, we do not warrant that the content is complete, accurate, or up-to-date. Your use of the website is at your own risk.
  • Exclusion of Liability: To the maximum extent permitted by law, 1st 4 Men Insurance (Pty) Ltd shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or in connection with your use of our website or the products and services offered.
  1. Indemnification

Our Lawyers also want you to know that you agree to indemnify and hold harmless 1st 4 Men Insurance (Pty) Ltd, its directors, employees, and agents from and against any claims, damages, losses, or expenses arising out of your use of our website, your violation of these Terms, or your violation of any rights of another.

  1. Privacy

We take your privacy and the protection of your personal info very seriously. Our Privacy Policy, which is incorporated into these Terms by reference, governs the collection, use, and disclosure of your personal information. By using our website, you consent to the processing of your personal data as described in the Privacy Policy. The Privacy Policy makes for some great bedtime reading, so if you want to check it out, navigate to the footer of the website and you’ll find the link there. .

  1. Changes to These Terms

The say that change is as good as holiday, and maybe that’s true for websites, too. We reserve the right to modify or update these Terms at any time without prior notice. Any changes will be effective immediately upon posting on our website. Your continued use of our website following the posting of changes constitutes your acceptance of the revised Terms.

  1. Termination

Sometimes you just need to lay down the law, so we reserve the right to terminate your access to our website or any part thereof at any time, with or without cause, and without prior notice.

  1. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the South African courts.

  1. Contact Us

We’re always open to have a chat, so if you have any questions or concerns regarding these Terms, please contact us at:

1st 4 Men Insurance (Pty) Ltd. FSP39313.
First floor, Unit 8, Central Park, 13 Esdoring Street, Highveld Technopark, 0157
Email: info@first4men.co.za

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