Privacy Policy
Santam Limited ("Santam") is committed to ensuring the privacy
and integrity of information submitted by visitors to our web-site.
All information of a personal nature submitted or provided by
visitors will be treated confidentially and will not be disclosed
to any person without express consent of the visitor concerned.
However, disclosure or any information provided or submitted by a
visitor may be made where such information is in the public domain
or Santam is obliged in terms of any law, order of court, legal
process or other lawful reason to disclose such information.
Personal information may be disclosed to Santam employees,
suppliers and marketing agents where this information is necessary
for them to evaluate and enhance the product and services offered
on this web-site.
Santam may disclose certain personal information of visitors, such
as names, physical, postal and e-mail addresses to affiliated
service providers for purposes of distributing promotional
materials, newsletters, surveys and questionnaires or other
information or material but only if a visitor has specifically
indicated its willingness to receive such materials or
information.
Santam may provide third parties with general information that does
not include particular personal information about visitors, such as
their names and addresses, and which is intended to be used solely
for compiling statistical or demographic information or otherwise
abstract and non-personalised information.
Santam does not and cannot control the confidentiality, access to
or dissemination of information which is retrieved through the use
of "cookies" or information retrieved through the collecting and
storing of IP addresses of visitors to this web-site.
A "cookie" is a computer file, which is transferred automatically
from our web site to a visitor's computer during an online session,
and which enables Santam, its sponsors and advertisers to customise
webpage content and to gather general information on the use and
frequency of the visitor traffic.
An IP address is an address assigned to your computer or server
identifying it when conducting Internet activity.
Santam does not support or encourage and will take all reasonable
measures to ensure the prohibition and removal from this web-site
of all material which is or is likely to be interpreted, in
Santam's opinion, as libellous, harmful, threatening, abusive,
defamatory, indecent, obscene or pornographic.
Copyright and Trademarks
A visitor's access to this web-site, and the information
contained on it, does not in any way convey or transfer any right
in or to the intellectual property rights of Santam or its
customers' data or information displayed or accessible from the
web-site (including all text, layout, graphics, artworks, animation
material and general representation of the web-site) or in any of
the trademarks, copyright, designs, patents, domain names,
know-how, confidential information, trade secrets or any other
intellectual property rights which may vest in Santam or in the
author, compiler, creator or licensor of such information.
All Santam's trademarks, logos, brands, domain names and other
marks and intellectual property relating to this web-site, or any
information contained or accessible from this web-site shall remain
the sole and exclusive property of Santam and the relevant authors
or licensors, and the visitor undertakes that he/she/it will not
use, duplicate, distribute, disseminate, adapt, display, alter or
otherwise deal with such intellectual property without Santam, the
relevant licensor or author's prior written approval.
Copyright and all other intellectual property rights subsisting in
any database/s maintained by Santam and relating to this web-site
is owned by Santam or the relevant provider or supplier
thereof.
A visitor may only use information retrieved, viewed, downloaded or
otherwise obtained by viewing this web-site, for his/her/its own
personal and non-commercial use and such information and/or data
may not be sold, resold, transmitted or otherwise made available or
disseminated in any manner via any media to any third parties
unless the prior written consent of Santam has been obtained.
The visitor undertakes not to change or delete any proprietary
notices contained in any material, data or information downloaded
or otherwise retrieved from this web-site.
Under no circumstances may a visitor use, duplicate, distribute,
reverse, engineer, disassemble, decompile, reproduce, transcribe,
store in a retrieval system, translate into any language or
computer language, retransmit in any form or by any means,
(electrical, mechanical, photo reproduction, recording on or
otherwise) any of the material, information or content viewed,
downloaded or otherwise retrieved from this web-site without the
prior written consent of Santam.
Disclaimer
While Santam will take all reasonable measures to ensure an
efficient, uninterrupted and error-free service to all its online
customers, neither Santam nor any of its employees, representatives
or assigns will be liable to any online customer for any loss or
damage of whatsoever nature caused by or attributable to any:
- fact or circumstance beyond the reasonable control of Santam,
including the breakdown or interruption in the services provided by
external service providers and the unavailability or defective
performance of any software or any of the services available on or
from this web-site;
- breach of privacy, security or confidentiality or any
infringement of intellectual property rights by any person or
entity;
- loss, damage, destruction, theft, contamination or corruption
of any data, information or content accessible from or available on
this web-site;
- reliance on, publication or use of any information or data
contained on or accessible from this web-site including information
and data contained in advertising banners, third party software,
pop-up windows, buttons, intermercials, hypertext links and
advertising sponsorships;
- failure by a visitor or online customers to maintain the
confidentiality of their personal username and password, or the
disclosure of personal usernames and/or passwords to any person or
entity;
- hacking, infection by viruses, Trojan horses, or any other
computer programming routines or software that are intended to
damage, detrimentally interfere with, surreptitiously intercept or
expropriate any software programme, system, data or personal
information;
- failure to adhere to the provisions of any terms and conditions
governing the use and access to the services and facilities offered
from time to time on this web-site;
- any lawful act or omission by Santam, its representatives and
service providers in respect of or relating to the maintenance and
support of this web-site and any supporting software or otherwise
in the interests of protecting Santam's proprietary rights or the
privacy and confidentiality of visitors and online customers and
their personal information; and
- consequential or indirect loss or damage whether foreseeable or
otherwise.
Presumption and Indemnity Clause
The user of this site hereby indemnifies and holds Santam
harmless against all and any loss, liability, action, law suits,
proceedings, costs, demands, and damages of all and every kind,
(including but not limited to, direct, indirect, special or
consequential damages), and whether in an action based on contract,
negligence or any other action, arising out of or in connection
with the failure or delay in the performance of the services
offered on this website, or in the use of these services offered,
information and / or images available on this web-site, whether due
to Santam's negligence or not.
Due to the lack of personal contact in online communication and
transactions, Santam relies exclusively on the correctness and
accuracy of information submitted and the good faith of its online
customers. Failure to provide honest, accurate and complete
disclosure may lead to the annulment of policies.
Online customers must keep confidential their personal usernames
and passwords, at all times. Santam shall be entitled to presume
the authenticity and validity of any online communication or
transaction and that the online customer is the originator of such
online communication or transaction where the username and password
of that online customer is used to gain access to, view and/or
engage in any activity or transaction or service offered on this
web-site.
The online customer hereby indemnifies Santam, its employees,
representatives and service providers and holds them harmless
against any and all claims, losses and damages which Santam or any
third party may incur as a result of reliance placed on any
information, data and material furnished by a prospective
policyholder or policyholder to Santam.
Termination and Variation
Santam reserves the right to alter, restrict and / or terminate
the services on its website to the user in particular, or to the
public in general, without notice or reason, or to revise these
terms and conditions at any time. Such changes will be posted on
this website and be deemed to have been accepted by the user if the
user continues using the website. The obligation therefore will be
on the user of this website to review these terms and conditions at
regular intervals.
General
These terms and conditions will be governed by and construed in
accordance with the laws of South Africa, and the user of this
website will submit to the jurisdiction of the South African
courts.
Santam's failure to exercise any particular right or provision
of these terms and conditions shall not constitute a waiver of such
right or provision.
Access to Information Act
Click here for the Access to Information Act
manual.
