Terms and Conditions of Use

1. Introduction
   
   This website is controlled by PinnAfrica Insurance Underwriting Managers (Pty) Ltd. Our registered address is Curzon Place - Turnberry Office Park, 48 Grosvenor Road, Bryanston, South Africa.
   
   These Terms and Conditions of Use govern your use of this PinnAfrica Insurance Underwriting Managers (Pty) Ltd website. We strongly advise you to read the Terms and Conditions of Use as they form a contract between you and PinnAfrica Insurance Holdings (Pty) for utilisation of the website.
   
   If you do not agree with these Terms and Conditions of Use please do not use this website. By accessing the website you are deemed to have accepted these terms and conditions in full.
   
   Your attention is also drawn to the Contact Us/About Us page and our Privacy Policy both of which contain important information that you are advised to read.
   
   
2. Our Obligation to You
   PinnAfrica Insurance Underwriting Managers (Pty) Ltd will use its reasonable endeavours to maintain this website in an acceptable working condition. However, as we cannot guarantee that this will always be the case we cannot accept responsibility for any interruptions or failures in the operation of this website or for any defects that may exist, or for any costs, loss of profits, loss of data, or consequential losses arising from your use of, or inability to access or use the website. In addition PinnAfrica Insurance Underwriting Managers (Pty) Ltd does not warrant that the information accessible via this web site is accurate complete or current.
   
   Access to the website may be suspended temporarily or permanently without notice. If you encounter any problems with the service please contact: za_info@pinnafrica .co.za
   
   
3. Disclaimers
   
   a. PinnAfrica Insurance Underwriting Managers (Pty) Ltd its affiliates, directors, employees or other representatives shall not be liable for any damages arising in contract, tort, negligence statutory duty for any loss of profits, revenue or good will or any type of consequential loss, indirect or special loss or damage whatever arising from or in any way connected with this website or these Terms and Conditions of Use. For the avoidance of doubt nothing in this contract shall exclude PinnAfrica Insurance Underwriting Managers (Pty) Ltd liability for death or personal injury arising from the negligence of PinnAfrica Insurance Underwriting Managers (Pty) Ltd, its servants or agents or any other liability which it is prohibited from excluding by law.
   
   b. The materials on this site do not constitute financial or other professional advice. Contact your Independent Financial Adviser for financial advice.
   
   

   c. The definitive version of any PinnAfrica Insurance Underwriting Managers (Pty) Ltd document is the original printed version which is available upon request from our registered office.
   
   d. PinnAfrica Insurance Underwriting Managers (Pty) Ltd accepts no responsibility for the content or privacy practices of any site to which a hypertext link from this site exists. The links are provided "as is" with no warranty, express or implied for the information provided within them.

4. Copyright and License
   
   a. Unless otherwise stated the copyright in all website design, text, graphics, the selection and arrangement thereof, and all software compilations, underlying source code, software (including applets) and all other material on this website belong to PinnAfrica Insurance Underwriting Managers (Pty) Ltd or their content and technology providers and any other rights in all material on this site are owned by PinnAfrica Insurance Underwriting Managers (Pty) Ltd.
   
   b. Use of documents and related graphics on this site is for information and/or personal use only any copies of these pages saved to disk or to any other medium may only be used for subsequent viewing purposes or to print extracts for personal use.
   
   c. No document or related graphics are to be modified in any way.
   
   d. Graphics on this site are not to be used separately from the accompanying text.
   
   
5. Jurisdiction
   The products on this web site are for South African and other African country residents only. These terms shall be governed by and construed in accordance with South Africa law and the parties agree to submit to the exclusive jurisdiction of the South African Courts.
   
   
6. Severance
   The court may strike out or override any part of these terms and conditions, which it considers unfair, unreasonable, invalid or unlawful (whether an entire clause or only part of one) and in such cases enforce these terms and conditions as if the offending part had never been contained in it. The paragraph headings are for information only, and do not form part of these terms and conditions.
   
   
7. Regulation
   PinnAfrica Insurance Underwriting Managers (Pty) Ltd licensed by the Financial Services Board as an authorised financial services provider under license no 39123.