Welcome to Sanlam's website, but please note the provisions below that govern its use and will bind you if you access it.

1. Nature of web site contents
   • Information contained on the web site is intended to serve as general information on the chosen subjects and not as an exhaustive treatment of those subjects.
     
     
   • Calculations made on the web site are approximations, and meant as guidelines only.
     
     
   • Subscribing to any service or buying any product through the web site is subject to the vendor's full contractual terms and conditions, and applicable legislation.
     
     
   • Links to third party web sites are provided for convenience only, and may be discontinued at any time. The contents on linked web sites are not under our control and we are not responsible for it. The fact that we provide a particular link does not necessarily mean that we endorse, authorise, or sponsor that web site, or that we are affiliated with such web site's owners or sponsors.
     
     
   • Therefore, before making any decision or taking any action based on any contents of the web site that may affect your personal finances or business, you should first obtain accounting, tax, legal, investment, exchange control, or other professional advice.

2. Visitors from foreign countries
   • Access to or the purchase of services or products through the web site from the country where you are may not be legal in that country. If you nevertheless continue with such access or purchase, you do so at your own risk. You are always responsible for complying with your country's laws.
     
     
   • The contents of the web site does not constitute an offer for sale of any service or product in the USA, and is not directed at persons in the UK as investment advice, advertisement, or an offer to buy a service or product.
     
     
   • Sanlam's services and products may not be available in your country. Contact us or your local financial or legal adviser to find out whether, and if so which of, our services and products may be available to you.

3. No warranties 

   The contents of the website are provided without any express or implied warranty of any kind whatsoever. In particular, we do not warrant that it 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-free.

4. Restricted use 

   Unless otherwise specified, all information, products, and services are for your personal and non-commercial use only. You may not -
   
   

   • reproduce, modify, or create derivative works from; publish, distribute, transmit, or display; or license or transfer any of the contents on the web site - unless you have our prior written permission;
     
     
   • decompile, reverse engineer, or disassemble the web site, a linked web site, or software;
     
     
   • post on or transmit to the web site content of an unlawful nature, for example: (a) contents that is threatening, libellous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane; or (b) that could damage our image or ability to do business;
     
     
   • use the web site in a manner that could damage, disable, overburden, or impair any Sanlam server, or network connected to any Sanlam server, or interfere with any other party's use of the web site;
     
     
   • gain unauthorised access to information from the web site, a Sanlam server, or a network connected to a Sanlam server – through hacking, password mining, or any other means;
     
     
   • create a link on another web site to the web site or any of its pages without our prior written permission;
     
     
   • frame the web site or any of its pages without our prior written permission.
     
     
5. Electronic transactions, communications, and records
   • When you visit the web site or send email to us you consent to receiving communications from Sanlam electronically. You thereby agree that all agreements, notices, disclosures, and other communications sent by us satisfy any legal requirement that such communications should be in writing.
     
     
   • You accept the risks associated with an electronic communication medium.
     
     
   • You authorise us to act on the information you send to us electronically.
     
     
   • You understand that all records will be stored electronically by Sanlam, and agree that such electronic records will constitute proof of the contents of such records in a court of law unless you prove otherwise.
     
     
   • Any email communication sent to you will be deemed to have been received by you upon dispatch by Sanlam.

6. User ID and passwords

   If you subscribe to a service or product provided for on the web site you choose a user id and/or password. You are entirely responsible for –
   
   

   • for maintaining the confidentiality of your user id and/or password;
     
     
   • all activities that occur in your account, either with or without your knowledge;
     
     
   • notifying us immediately of any unauthorised use of your user id and/or password or any other breach of security;
     
     
   • for losses incurred by us or another party due to someone else using your user id and/or password.

7. Secure payment system 

   Sanlam utilises a payment system that is sufficiently secure with reference to accepted technology standards. Sanlam accepts liability for any damage suffered due to a failure in regard to compliance herewith.

8. Privacy policy 

   Your privacy is important to us. Personal information transmitted to us will be treated in accordance with our Privacy Policy

9. No liability
   • Sanlam will in no event be responsible for any loss incurred or damages suffered (whether direct, indirect, special, or consequential) that may be attributable, directly or indirectly, to the use of, or reliance upon, any contents on the web site.
     
     
   • Sanlam 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 whatsoever cause.

10. Warranties

    For all purposes, and in particular for purposes of 6 above, you warrant –
    
    

    • your identity (that is, you are who you say you are), and that you can prove your identity should we require you to do so;
      
      
    • that all information you provide at any time to us via the web site, in writing, or to our call centre staff will in all respects be current, complete, and accurate;
      
      
    • that you will fully disclose all material and relevant facts, a breach of which may lead to any contract or any transactions arising from such contract being rendered void or subject to cancellation.

11. Intellectual property rights
    • The web site and all its contents (including software, text, graphics, icons, hyperlinks, private information, and designs) are the property of or licensed to us.
      
      
    • As such it is protected against infringement by local and international legislation and treaties, and may not be used in any way without our or the licensor's prior written permission.

12. Breach 

    We reserve the right to -
    
    

    • refuse further access to the web site if (a) you breach any of the terms of use applicable from time to time; (b) we are unable to verify or authenticate any information you provide to us; or (c) we believe that you are conducting activities that are illegal, abusive, attack the integrity of the web site, or put us in disrepute;
      
      
    • refer any breach to the police if such breach constitutes a crime;
      
      
    • claim damages for all loss and damage we suffer, and expenses we incur, as a result of a breach.

13. Indemnity 

    You agree to indemnify and hold harmless any member of the Sanlam Group 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 violation of these terms of use by you.

14. Jurisdiction and applicable law
    • An application for a service or product offered on the web site will constitute your consent and submission to the jurisdiction of the High Court of South Africa (Cape of Good Hope Provincial Division).
      
      
    • Any claim arising from –
      
      
      • the use or inability to use the web site;
        
        
      • an application for, and the rendering of a service or providing of a product,
      
      is subject to the laws of the Republic of South Africa - in respect of both the basis of the claim [contract, delict (tort), or any other], and the law relating to procedure and evidence.
      
      
    • All proceedings will be held in English and the unsuccessful party will be liable to pay all costs incurred by the successful party, including costs as between attorney and own client. 

15. Permissions 

    To obtain a permission from Sanlam as provided for herein, please address the request to webmaster@sanlam.co.za