Disclaimers

Introduction

These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website. You must be at least 18 years of age to use this website. By using this website and by agreeing to these terms and conditions you warrant and represent that you are at least 18 years of age.

Permission to use website

Unless otherwise stated, My1237 Financial Services (Pty) Ltd. (My-Fin Financial Services / My-Fin) and/or its licensors own the intellectual property rights in the website and material on the website and all intellectual property rights are reserved. Subject to the restrictions set out below and elsewhere in these terms and conditions you may view, download for caching purposes only, and print pages or other content from this website for your own personal use only. You may not:

  • republish material from this website (including republication on another website);
  • sell, rent or sub-license material from the website;
  • show any material from the website in public;
  • reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
  • edit or otherwise modify any material on the website; or
  • redistribute material from this website (except for content specifically and expressly made available for redistribution).

Where content is specifically made available for redistribution, it may only be redistributed within your organization or for personal use as the case may be.

Acceptable use

You may not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity. You may not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or any other malicious computer software. You may not conduct any systematic or automated data collection activities, including without limitation, scraping, data mining, data extraction and data harvesting on or in relation to this website without My-Fin’s prior express written consent. You may not use this website to transmit or send unsolicited commercial communications. You may not use this website for any purposes related to marketing without My-Fin’s prior express written consent.

Restricted access

Access to certain areas of this website is restricted and My-Fin reserves the right to restrict access to other areas of this website, or indeed this entire website, at its sole discretion. In the event that My-Fin provides you with a User ID and Password to enable you to access restricted areas of this website or other content or services, you must take all reasonable measures to ensure that the User ID and Password are kept and remain confidential. If, for any reason, you believe or suspect that your User ID and or Password is no longer secure or confidential or compromised in any way whatsoever you must notify My-Fin immediately My-Fin may disable your User ID and password in its sole discretion without notice or explanation.

User content

In these terms and conditions, “your user content” means material, including without limitation text, images, audio material, video material and audio-visual material, that you submit to this website for whatever purpose. By submitting such material to this website you grant to My-Fin a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to My-Fin the right to sub-license these rights, and the right to bring an action for infringement of these rights. Your user content may not be illegal or unlawful, may not infringe any third party’s legal rights, and may not be capable of giving rise to legal action whether against you or My-Fin or a third party under any applicable law. In the event that you do submit content that is illegal, unlawful or infringing on a third party’s legal rights, whether by design or by accident, My-Fin shall be indemnified by you from any action that may result from your submission of such content and you shall be solely liable for the consequences of such a submission. You may not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint. My-Fin reserves the right to edit or remove any material submitted to this website, or stored on My-Fin’s servers, or hosted or published on this website. Notwithstanding My-Fin rights under these terms and conditions in relation to user content, My-Fin does not undertake to monitor the submission of such content to, or the publication of such content on, this website.

User Information

In the event that a service or services on this website require you to disclose or provide personal information to use such service or services it is understood and agreed that such disclosed information:

  • Is warranted by you to be true and correct;
  • Will be used for the purpose for which it is intended only; and
  • Will be kept in strict confidence and will not be disclosed to or shared with any other entity except when required by law to do so in which event you will be notified of the fact that disclosure of such information is required by law.

No warranties

This website is provided “as is” without any representations or warranties, express or implied. My-Fin makes no representations or warranties in relation to this website or the information, materials and services provided on this website. Without prejudice to the generality of the foregoing paragraph, My-Fin does not warrant that:

  • this website will be constantly available, or available at all; or
  • the information on this website is complete, true, accurate or non-misleading; or
  • the services provided on this website are fit for any purpose other than what is intended by such services

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or estate planning matter you should consult an appropriate professional.

Limitations of liability

My-Fin will not be liable to you whether under the law of contact, the law of delict or otherwise in relation to the services and or contents of, or use of, or otherwise in connection with, this website for any:

  • direct loss;
  • indirect, special or consequential loss; or
  • business losses including without limitation loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss of or corruption of information or data.

By using this website, you agree that the above limitations of liability are reasonable. If you do not think they are reasonable, you must not use this website.

Indemnity

You hereby indemnify My-Fin and undertake to keep My-Fin indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by My-Fin to a third party in settlement of a claim or dispute on the advice of My-Fin’s legal advisers) incurred or suffered by My-Fin arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

Breaches of these terms and conditions

In the event that you breach these terms and conditions in any way then My-Fin may, without prejudice to its other rights under these terms and conditions, take such action as it deems appropriate to deal with the breach, including, without limitation, suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

Variation

My-Fin may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. It remains your responsibility to check this page regularly to ensure that you comply with the current version of these terms and conditions.

Assignment

My-Fin may transfer, sub-contract or otherwise deal with its rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.

Severability

If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the remaining provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted such part will be deemed to be deleted, and the rest of the provision will continue in effect.

Entire agreement

These terms and conditions constitute the entire agreement between you and My-Fin in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.

Law and jurisdiction

These terms and conditions will be governed by and construed in accordance with the laws of the Republic of South Africa, and any disputes relating to these terms and conditions will be subject to the jurisdiction of the courts of the Republic of South Africa.

Registrations and Authorisations

My-Fin is registered with CIPRO. You can find the online version of the register at CIPRO www.cipro.co.za . My Fin 1237 Financial Services (Pty) Ltd registration number is 2012/205235/07. My-Fin is subject to authorisation as an FSP, which is supervised by the Financial Services Board. The principal/s is registered with the FSB AND Finanacial Planning Institute (FPI). Michael Gerald Eslick’s professional title is AFPI and it has been granted in authority under the license of OneCard Investments (Pty) Ltd, a juristic representative, and is subject to the FAIS act which can be found at www.fsb.co.za. My-Fin subscribes to the following code(s) of conduct: FAIS General and related codes of conduct. These codes/this code can be consulted electronically at www.fsb.co.za. My1237 Financial Services (Pty) Ltd is registered in South Africa under registration number 2012/205235/07. My1237 Financial Services (Pty) Ltd’s registered address is Building 18, Sunninghill Office Park, 21 Peltier Drive, Sunninghill Ext 17, Sandton, Gauteng, South Africa. You can contact My-Fin by email to info@my-fin.co.za.

Your privacy is important to My-Fin. This privacy statement provides information about the personal information that My-Fin collects, and the ways in which My-Fin uses that personal information.

Statistical information collection

My-Fin may collect and use the following kinds of statistical information which information may include some personal information:

  • information about your use of this website;
  • information that you provide for the purpose of registering with My-Fin
  • information about transactions carried out over this website
  • information that you provide for the purpose of subscribing to the website services
  • any other information that you send to My-Fin

Using statistical information

My-Fin may use the above statistical information to:

  • administer this website;
  • personalize the website for you;
  • enable your access to and use of the website services;
  • send to you products that you purchase;
  • supply to you services that you purchase;
  • send to you statements and invoices;
  • collect authorised payments from you; and
  • at your optional election, send you marketing communications

Personal Information

In the event that a service or services on this website require you to disclose or provide personal information to use such service or services it is understood and agreed that such disclosed information:

  • Is warranted by you to be true and correct;
  • Will be used for the purpose for which it is intended only; and
  • Will be kept in strict confidence and will not be disclosed to or shared with any other entity except (i) authorised agents and or sub-contractors of My-Fin who need to have access to such information in order to render the relevant service or services in which event My-Fin will use all reasonable means to procure that such agents or sub-contractors keep the disclosed personal information confidential and use the disclosed information for the purpose for which it was intended only; or (ii) when required by law to do so in which event you will be notified of the fact that disclosure of such information is required by law.

Securing your data

My-Fin will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your statistical and personal information. Information relating to electronic transactions entered into via this website will be protected by encryption technology.

Cross-border data transfers

Information that My-Fin collects may be stored and processed in and transferred between any of the countries in which My-Fin operates to enable the use of the information in accordance with this privacy policy. In addition, information that you submit specifically for publication on the website will be published on the internet and may be available around the world. You agree to such cross-border transfers of personal and statistical information.

Updating this statement

My-Fin may update this privacy policy by posting a new version on this website. It remains your responsibility to ensure that you are aware of the content and effect of any changes to this privacy policy.

Other websites

This website contains links to other websites. My-Fin is not responsible for the privacy policies or practices of any third party.

My-Fin Contact details

If you have any questions about this privacy policy or My-Fin treatment of your personal information, please write:

Gapwise is a product of My1237 Financial Services (Pty) Ltd. t/a My-Fin Financial Services, an Authorised Financial Services Provider (FSP: 44460), in association with Sirago Underwriting Managers (Pty) Ltd, also an Authorised Financial Services Provider (FSP: 4710) and Underwriting Agency for GENRIC Insurance Company Ltd. GENRIC is an Authorised Financial Services Provider (FSP: 43638) and Registered Short-term Insurer.

My-Fin Contact Details

Suite G02 Ibis House
The Estuaries, Oxbow Crescent
Century City
Cape Town 7441

Postal Address
PostNet Suite 148
Private Bag X3
Bloubergrant 7443

Office: 087 135 4102
Fax: 086 457 6642
Email: info@my-fin.co.za

Sirago Contact Details

Midrand Business Park
Building 3
563 Old Pretoria Main Road
Midrand 1685

Postal Address
P.O. Box 1115
Bromhof
2154

Office: 010 599 1163
Fax: 086 601 9872
Email: info@sirago.co.za