INSURELOANSA
Legal

Terms of Service

Last updated: 2025

This Terms of Service document is a template. It must be reviewed and approved by a qualified legal professional before publication. Replace all [PLACEHOLDER] items. For a licensed FSP, legal review is essential.

1. Acceptance of terms

By accessing or using the INSURELOANSA platform ("Platform"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, you may not use the Platform.

2. About INSURELOANSA

INSURELOANSA (FSP Number: [FSP NUMBER]) is a licensed Financial Services Provider (FSP) authorised by the Financial Sector Conduct Authority (FSCA) under the Financial Advisory and Intermediary Services (FAIS) Act, 37 of 2002. Our registered address is: [REGISTERED ADDRESS].

3. Services provided

INSURELOANSA provides the following services through its Platform:

  • Compare & Quote: An online service enabling users to request indicative quotes for funeral cover, life insurance, and retirement annuities. All quotes are indicative only and do not constitute financial advice.
  • AI-Powered Claims Acceleration: An online service enabling users to submit and track funeral insurance claims. Currently, only funeral claims are processed.

4. Not financial advice

The information and indicative quotes provided through the Platform are for informational purposes only. They do not constitute financial advice as defined in the FAIS Act.

Financial advice — including any product recommendation — will only be provided by a FAIS-accredited representative following a full needs analysis as required under Section 8 of the FAIS Act.

5. User obligations

When using our Platform, you agree to:

  • Provide accurate, complete, and truthful information
  • Not misrepresent your identity or any material facts
  • Use the Platform only for lawful purposes
  • Not attempt to circumvent any security or access controls
  • Notify us immediately if you become aware of any unauthorised use of your information

6. Intellectual property

All content on the Platform — including text, graphics, logos, and software — is the property of INSURELOANSA or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

7. Limitation of liability

To the maximum extent permitted by applicable law, INSURELOANSA will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Platform.

Our liability in respect of any financial advice provided will be governed by the FAIS Act and applicable professional indemnity provisions.

8. Third-party services

The Platform may interface with third-party services including insurers, payment providers, and communications platforms. INSURELOANSA is not responsible for the terms, privacy practices, or content of third-party services.

9. Governing law

These Terms are governed by the laws of the Republic of South Africa. Any dispute arising from or related to these Terms will be subject to the jurisdiction of the South African courts.

10. Amendments

We may update these Terms from time to time. Material changes will be communicated to you via email or a prominent notice on the Platform. Continued use of the Platform after changes are published constitutes acceptance of the updated Terms.

11. Contact

For questions about these Terms, contact us at:

  • Email: [LEGAL EMAIL — replace before launch]
  • Phone: +27 60 014 5992
Privacy Policy →Compliance & Regulatory Information →