The Sanlam Group is one of South Africa’s leading financial services groups and includes Sanlam Limited and all its subsidiaries and associated or affiliated companies.
Information contained on the website is intended to serve as general information on the chosen subjects and not as an exhaustive treatment of those subjects.
Calculations which may be displayed on the website are intended for the convenience of clients, may be approximations, and are intended only as guidelines. Should you wish to rely on any calculation you are advised to check the calculations before using them as Sanlam will not be liable for any inaccuracy in the calculation.
Subscribing to any service or buying any product through the website is subject to Sanlam’s contractual terms and conditions, and applicable legislation.
Links to third party websites are provided for convenience only, and may be discontinued at any time. The fact that Sanlam provides a link to a third party website does not necessarily mean that Sanlam endorses, authorises, or sponsors that website, or that Sanlam is affiliated to such website's owners or sponsors.
If any third party website, which is not under the direct control of Sanlam, can be accessed from a link displayed on the Sanlam website, Sanlam shall not be responsible or liable for any content displayed on the third-party website.
The content or information displayed on a Sanlam website or any third party website which may be accessed through links provided on the Sanlam website is not intended as advice but merely as information. Before making any decision or taking any action based on any information displayed on the Sanlam website or any such third party website that may affect your personal finances or business, it is recommended that you first obtain appropriate professional advice.
Use of the Sanlam website or the purchase of services or products from the country from which you may access the website may be illegal in that country. Your use of the website for any purchase that you may make is entirely at your own risk. It is recommended that you ensure that use of the Sanlam website for any purchases made by you are not in violation of the laws of any country by which you may be governed.
Sanlam's services and products may not be available in your country. Contact Sanlam or your local financial or legal adviser to find out whether, and if so which of, Sanlam's services and products may be available to you.
Unless indicated in writing by Sanlam, nothing on the Sanlam website shall constitute an offer for sale of any service or product.
The information provided on the Sanlam website is not, nor must you regard it as financial or investment advice.
If you wish to use the information displayed on the website to purchase any service or product or procure financial or investment advice from Sanlam, your request to do so shall be regarded by Sanlam as an offer to do business with Sanlam, which may be accepted by Sanlam if it chooses.
The acceptance of your offer will be subject to terms and conditions governing the service, product, or advice at the time of the acceptance of the offer.
The responsibility for ensuring compliance with any laws or regulations which may apply to you, remain exclusively yours and in making an offer you are deemed to have indemnified Sanlam (held Sanlam harmless and agree to reimburse Sanlam) against any loss or damage that it may suffer arising from your breaking any laws applicable to you.
While Sanlam will take care to provide accurate information on the Sanlam website, the information displayed on the Sanlam website is provided without any express or implied warranty (guarantee that the information is correct) of any kind whatsoever. In particular, Sanlam does 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.
Unless otherwise indicated in writing, all information, products, and services displayed on or accessed through the Sanlam website are for your personal and non-commercial use only. You may not -
When you communicate with Sanlam by electronic communication provided or as may be directed on this website, you consent to receiving responses to your communications by electronic communication addressed to you by Sanlam. You thereby agree that all electronic agreements, notices, disclosures, and other communications sent by Sanlam satisfy any legal requirement that such communications should be in writing.
You accept the risks inherent in electronic communication in whatever form.
You consent to Sanlam acting on the information communicated to Sanlam electronically. You are responsible to ensure that Sanlam has received the information communicated electronically.
You acknowledge and consent that Sanlam, in its discretion, may retain and store your electronic communications as may be lawfully required. You agree that the electronic records stored by Sanlam will constitute rebuttable) proof (it may be challenged) of the content of the records.
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 Sanlam.
If you subscribe to a service or product provided on the Sanlam website you may be required to choose a user id (an identifying name) and a password. You are entirely responsible for –
You may access the Sanlam website using a mobile device (including a mobile telephone).
The Sanlam website is designed and configured for use by Internet browsers which are typically used on computers and not mobile devices. Sanlam is not responsible for the wireless services used by mobile devices, and disclaims any responsibility for the lack of functionality or capability or reliability of any mobile device or software used to access the Sanlam website.
While the use of the Sanlam website is free of charge, you will be responsible for any fees which may be charged by your service provider which may be associated with your browsing of the Sanlam website.
Sanlam is also not responsible for the communication of any person or confidential information between you and the Sanlam website or any electronic communications mechanisms facilitated by the Sanlam website and disclaims any liability for deficiencies in privacy or security of any communications made or received between the mobile device and the Sanlam website.
The functionality and use of your mobile device is outside of the control of Sanlam and Sanlam will not be responsible for interference with the integrity, transmission, delays, limitation of network coverage, outages or interruption in the services supplied supporting the mobile device.
If any payments are to be made by you to Sanlam you will be required to use a payment system authorised (consented to in writing) by Sanlam. Sanlam shall only use a payment system that is sufficiently secure considering nature of the payment to be made and the risk inherent in making the payment electronically. Sanlam accepts liability for any damages that may be suffered to you due to a failure in a payment system authorised by Sanlam.
Sanlam 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 Sanlam website by you.
Except as provided in 7, 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 whatever cause.
For all purposes, and in particular for purposes of 6 above, you warrant (confirm) –
The website and all its content (including software, text, graphics, icons, hyperlinks, private information, and designs) are owned by or licensed to Sanlam.
As the intellectual property rights in the content referred to immediately above are protected against infringement by local and international legislation and treaties, it may not be used in any way without Sanlam or the licensor's prior written consent.
The image used on all banner visuals as part of the Budget speech campaign is governed under theCreative Commons Licence (Attribution 3.0 unported) and has not been modified.
Sanlam reserves the right to -
Your use of the Sanlam website will for all purposes relating to its use, 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 –
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.
The content of an email – which may include one or more attachments – is strictly confidential, and is intended solely for the use of the named recipient(s). If you’ve received this email in error, you’re not permitted to disclose, distribute or retain it – you’re requested to notify the sender immediately by return email and then delete it.
Email isn’t necessarily secure or error-free; information could arrive late or contain viruses, or be incomplete, intercepted, corrupted, lost, or destroyed. It’s the responsibility of the named recipient(s) to ensure that emails are virus-free. Sanlam does not accept any liability for damage caused by any virus or other malware transmitted by this email.
No employee, contractor, or intermediary is authorised to conclude an agreement on behalf of any member of the Sanlam group by email, without express written confirmation by a duly authorised representative of that member.
The use or content of email is intended for the Sanlam group's business. If it’s used for any other purpose, the views expressed are those of the sender and no liability will attach to any member of the Sanlam group.
The Sanlam group reserves the right to monitor, access, intercept or block emails addressed to all Sanlam group addressees, in accordance with our email policy, as it applies from time to time.
Notwithstanding the Electronic Communications and Transactions Act, 2002 (“ECTA”), this email does not constitute a binding agreement, unless the terms thereof has been recorded in a duly executed document, signed by the parties. For the purposes of this disclaimer, notwithstanding the ECTA, “signed” shall mean a signature executed by hand on paper containing the document, or typing your name in the space provided on Sanlam Investment’s [e-signing system] containing the document, or an advanced electronic signature, as defined in the ECTA, applied to the document by the signatories.
Please address disputes and complaints arising from the use of SMS’s to the Sanlam Client Protection & Compliance department at firstname.lastname@example.org
Copyright 2000 - 2004 © Sanlam Life Insurance Ltd ("Sanlam"), Bellville, Cape Town, South Africa. Sanlam owns this web page and its content. All rights not expressly granted are reserved.
Your privacy is important to us.
Always ensure that we have your latest cell phone number, and alert us immediately if your cell phone has been lost or stolen.
Sanlam will in no event be responsible for any direct, indirect, special or consequential loss or expense that may be attributable, directly or indirectly, to the use of SMS’s.
Sanlam won’t be responsible for any interruption, delayed or failed transmission, loss of data, storage or delivery of information resulting from any cause.
All the information sent by us via SMS is provided without any representation or warranty whatsoever, whether express or implied. In particular, Sanlam makes no representation or warranties about the correctness of any information contained, the suitability of any products or services mentioned or the soundness of any general advice offered in a SMS.
In the event of SMS’s sent by Multi-Data on behalf of its client(s), Multi-Data/Sanlam Life accepts no obligation to verify the correctness of any information received from the clients and contained in such SMS’s, and disclaims liability for any errors.
The use of, and information appearing in SMS's is governed and interpreted in accordance with the laws of the Republic of South Africa.
Nothing on any SMS should be construed as granting (by implication, estoppel, or otherwise) any license or right to use any intellectual property rights envisaged in the previous paragraph without our written permission. You may not use the name of Sanlam or our logo in any way without our prior written permission.
1.1. Sanlam Secure Services, hereafter also referred to as “the service” is a free service provided by Sanlam that, after successful registration, allows you access to your product portfolio, tax certificates, statements and other services as well as transacting, where relevant, for participating Sanlam businesses.
1.2. Participating Sanlam businesses include certain entities and businesses from the Sanlam Group (consisting of Sanlam Limited and its direct and indirect subsidiaries) among others:
1.3. The service is accessible:
1.4. After authentication, and for your convenience, we may allow access to other secure Sanlam sites without requiring you to log on again.
1.5. Please make sure that you understand these Terms and Conditions as they constitute a binding agreement between you and Sanlam.
2.1. apply to users of Sanlam Secure Services as described,
2.2. apply along with any other T&Cs that govern your products and services with Sanlam,
2.3. become effective when you access the service for the first time, and
2.4. constitute a binding agreement between you and Sanlam.
3.1. T&Cs for Secure Services are available on our website and as links on individual pages.
3.2. Sanlam may amend these terms from time to time. Should this happen, you will be required to accept the amended T&Cs before continuing use of the service.
3.3. You cannot use the Secure Services without accepting the latest T&Cs.
5.1. In order to register, you need to own a product or service available from one of the participating Sanlam businesses.
5.2. Valid users include
individuals acting on their own behalf,
proxies (individuals acting on behalf of other individuals) and
authorised representatives (individuals acting on behalf of non-natural entities).
5.3. You may not use false information or impersonate any person or entity during the process.
5.4. You agree that Sanlam may verify your cell phone number and/ or email address used during registration, with your mobile network provider.
6.1. To access the service, you need a computer, cellular phone or other device (e.g. an iPad or Tablet) with Internet connectivity and the necessary operating system and capability to run the service.
6.2. You need to have a cellphone number and email address.
6.3. You are responsible for buying, installing and maintaining your connection to the Internet and must pay all related costs and fees.
6.4. If you access the service via a cell phone you need access to a cell phone and a SIM card.
6.5. You are responsible to buy your own cell phone and SIM card and register with a mobile network provider.
6.6. You are responsible to keep your devices safe by updating to the latest versions of operating and security software and by running reputable antivirus software.
6.7. You are not allowed to intentionally disable the security mechanisms on any computer, cell phone or other device used to access the service, with the aim to install unauthorised software, modify system or data files or preferences, or to bypass specific security features.
By accessing this service, you agree to the following:
7.1. In order to deliver the service, Sanlam uses information you provide to identify your products and deliver a combined portfolio view across various Sanlam business – the list of which can change from time to time.
7.2. As you purchase additional products or services your portfolio summary automatically expands to include these.
7.3. Sanlam uses your information and online activity in an aggregated manner to continuously develop and improve the service.
7.4. Once you have successfully logged in, and depending on the products in your portfolio, you may be allowed to access other relevant Sanlam sites without logging in again.
7.5. The service makes use of certain cookies in order to provide the service. Cookies are text files containing small amounts of information, which your computer or mobile device downloads when you visit the website. Cookies help us to understand how the website is used, let you navigate between pages and generally improve your browsing experience. Some cookies are essential for the functioning of the service and others help with the performance and design of the service. Other cookies help us understand your interests as you browse the internet, so we can tailor and render to you more personalised content and services in the future. If you do not want to receive a cookie from the service, you have the option of setting your browser to notify you when you receive a cookie, so that you may determine whether to accept it or not. However, please be aware that if you do turn off 'cookies' in your browser, you will not be able to fully experience some of the features of the service.
8.1. You authorise Sanlam to execute any transactions or instructions initiated through the service.
8.2. The normal transaction rules and requirements apply for instructions initiated through the service. Should you be required to provide additional documentation, Sanlam will contact you directly.
8.3. Although the service is deemed to be available 24/7, the normal daily transaction cut-off times and rules apply.
8.4. Due to time delays and pending transactions, product information presented may vary from the administration platforms. Should this be the case when your online instruction is received by Sanlam, you will be contacted to provide an alternative.
9.1. You can allow another person to act on your behalf (as a "proxy") by completing the required registration process.
9.2. Sanlam will act on all authorised instructions received from this person as if they were from yourself.
9.3. This authorisation only applies to the service and does not apply when you engage with Sanlam through other servicing channels.
10.1. We aim to make the service available seven days a week, 24 hours a day. It may however be unavailable from time to time due to routine maintenance, emergency repairs or circumstances beyond our control, e.g. electricity blackouts or telecommunications network problems.
10.2. Product information presented on this channel may be delayed. You can always confirm the most recent product information by contacting Sanlam’s Client Contact Centre.
11.2. Sanlam will not share your personal information with any third party outside of the Sanlam Group except as is necessary to provide the service to you or where otherwise permitted in terms of applicable laws. This includes disclosures to third party service providers that assist us with making the service available to you. We may also share your information if we are required to in terms of applicable laws. Some of the recipients of your personal information may be based outside of the Republic of South Africa in jurisdictions with lesser data protection regulation, but we will ensure that they are subject to binding agreement or policy which effectively upholds the principles for lawful processing of personal information as set out in the Protection of Personal Information Act, 2013.
11.3. You agree to allow Sanlam to store cookies on your device (see section 7.5 above for more information on the cookies we use).
11.4. For more information on how Sanlam handles personal information and how to exercise your rights as a data subject, please also refer to Sanlam’s Privacy Notice available on www.sanlam.co.za.
12.1. Since we deal in a non face-to-face environment, you must enter the correct security credentials, for example username and password or app PIN, every time you access the service.
13.1. You must take the necessary precautions to prevent unauthorised persons to access the service using your credentials.
13.2. It is good practice to change your credentials from time to time, even if you do not suspect that someone else may have gained unlawful access thereto.
13.3. Depending on device capability, fingerprint authentication ("Touch ID") may be enabled. Any fingerprint enrolled on your device can be used to unlock your device and access the service via the app. Sanlam will treat the information accessed and transactions performed as if it were authorised by you.
13.4. Never show or give your credentials to another person, including employees of Sanlam.
13.5. Sanlam will never ask you to click on a link to confirm your credentials or provide personal information.
13.6. Sanlam will never ask you to provide or confirm your credentials via an e-mail, SMS or instant message.
13.7. If you suspect that someone else knows your username or password, please change it immediately or contact the Client Contact Centre to disable your account.
13.8. If you want to disable your account, please phone our Client Contact Centre. The details are available on the website.
13.9. You can manage mobile device access to your profile via Profile Settings on the website.
14.1. Information sent over unsecured networks or communication systems, can be unlawfully monitored, intercepted or accessed. Although Sanlam takes all reasonable steps to prevent this, the risk remains with you.
14.2. Please read and take note of the security tips and information available on the website from time to time.
14.3. It is recommended that you do not use public computers such as those in internet cafes but if you do, take special care as your credentials could be compromised.
15.1. The service is the property of Sanlam.
15.2. You are not allowed at all to reverse engineer, decompile, disassemble or attempt to modify any part of the service.
15.3. You may not post or upload any content that is of an unacceptable, unethical or unlawful nature (e.g. content that is threatening, libellous, defamatory, obscene, scandalous, inflammatory, pornographic or profane) or content that could even potentially damage Sanlam’s image or reputation or impair its ability to do business. For this purpose, Sanlam will be entitled to monitor such content.
16.1. Although we take reasonable care to prevent harm or loss to you, Sanlam will not be liable for any loss or damage you may suffer arising from your ability or inability to use the Service. This will not apply where the loss arises due to Sanlam’s gross negligence or intent. To the fullest extent permitted by law, Sanlam makes the service available on an ‘as is’ basis with no warranties whatsoever.
16.2. In addition to the above, to the fullest extent permitted by applicable law, Sanlam is not liable for:
17.1. We may end this service at any time or end your right to use the service after giving you reasonable notice.
17.2. We may also end your right to use the service immediately and without notice if:
17.3. You may deactivate your account at any time by contacting our Client Contact Centre.
18.1. The service and all its contents, including web and app pages, software, text, graphics, icons, hyperlinks, private information and designs, are owned or licensed by Sanlam.
18.2. As the intellectual property rights, referred to immediately above, are protected against infringement by local and international legislation and treaties, it may not be used in any way without Sanlam or the licensor’s prior written consent.
18.3. To obtain Sanlam’s consent, please address the request to
19.1. Your use of the service will for all purposes relating to its use, constitute your consent and submission to the jurisdiction of the High Court of South Africa (Western Cape Division, Cape Town).
19.2. Any claim arising from :
19.3. 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.
20.1. No failure or delay by Sanlam to exercise any of its rights will be construed as a waiver of any such right.
20.2. If any of these Terms and Conditions is held to be invalid, unlawful or unenforceable, the term or condition will be deleted from the remaining Terms and Conditions which will continue to be valid to the full extent permitted.