Terms of Use
About this site
This website is owned and operated by Commrisk Insurance Brokers
(Pty) Ltd (Registration number: 2001/007230/07) a private company
registered in accordance with the laws of the Republic of South
Africa and an authorised financial services provider (FSP13839).
Any reference made to “Commrisk Insurance Brokers”, “Commrisk”,
“we”, “us”, or “our” refers to Commrisk Insurance Brokers (Pty)
Ltd. We operate under the domain name www.commrisk.co.za
(“the/this website”).
Your use of the services, information, text, graphics, materials,
and other content on this website (“Material on this Website”) is
governed by these Terms of Use and the associated Privacy Policy.
By using this website you agree to be bound by these Terms of Use.
In addition to the Terms of Use contained in this document, other
terms of use or conditions may apply to your use of this website
or parts of this Website. You will be bound by these additional
terms, as applicable.
Links to other Websites
This website may contain links to other websites, which are
owned or operated by third parties independent of Commrisk
Insurance Brokers (“Third Party Websites”). Commrisk does not
sponsor, endorse, or approve of the operators of Third Party
Websites, or material (including services, information, graphics,
or data) which is located on such Third Party Websites (“Third
Party Material”).
Subject to any applicable law which cannot be excluded, Commrisk
makes no warranties or representations:
- Regarding the quality, accuracy, merchantability, or fitness for purpose of Third Party Material, or products or services available through Third Party Websites; or
- That Third Party Material does not infringe the intellectual property rights of any person. Commrisk is not authorising the reproduction of Third Party Material by linking Material on this Website to Third Party Material.
When following a link on this website, material at a Third Party
Website may be displayed in your browser framed by Material on
this Website. This material is also Third Party Material for the
purpose of these Terms of Use.
Privacy and Security
Your privacy and security are very important to us. We recognise
the importance of protecting the privacy of information collected
about visitors to our website, especially information that can
identify an individual (“personal information”).
We may collect personal information from you, however it will only
be used by us to contact you, should you request to be contacted.
Hence, by voluntarily submitting your personal information for
purposes of being contacted, you specifically consent to the
collection, collation, processing, or disclosure of the personal
information submitted by you.
We will not share your personal information with any third
parties, unless you give your express consent to that effect. The
only exception would be within our own group of companies, until
such time as you expressly withdraw your consent to do so.
We shall further share your information when you give us
permission to or instruct us to, or when required to do so by law.
We further strive to ensure the security, integrity and privacy of
personal information submitted to our website, and we review and
regularly update our security measures in line with available
technologies.
Unfortunately, no data transmission over the Internet can be
guaranteed to be totally secure. However, we do take all
reasonable and available steps to protect any of your personal
information we hold, both on the website and within our internal
information systems.
We will further only process your personal information in
accordance with and subject to the provisions of the Protection of
Personal Information Act 4 of 2013 (“POPIA”).
Commrisk Insurance Brokers Website Content
This website contains both information of a general nature about
Commrisk and the products and services offered by us.
Warranties
Whilst reasonable steps have been undertaken to ensure that
information is free from error, we do not warrant the accuracy,
adequacy, or completeness of Material on this Website. All
information is subject to change without notice. Commrisk does not
guarantee that this website or Third Party Websites will be free
from viruses, or that access to this website or Third Party
Websites will function as intended or be uninterrupted. All terms
implied by law, except those that cannot be lawfully excluded, are
excluded.
Limitation of Liability
Subject to any responsibilities implied by law and which cannot be
excluded, Commrisk Insurance Brokers, and its directors,
employees, agents and contractors, are not liable to you for any
losses, damages, liabilities, claims and expenses (including but
not limited to legal costs and defence or settlement costs)
whatsoever, whether direct, indirect or consequential, arising out
of or referable to Material on this Website, to Third Party
Material, third party services, or to access of this website by
you, howsoever caused, whether in contract, delict, statute or
otherwise.
Indemnity
You indemnify us in respect of any liability incurred by us for
any loss or damage, howsoever caused, suffered by us as a result
of your breach of these Terms of Use, or your use of this
website.
No financial or investment advice
We do not purport to provide you with financial or investment
advice of any kind. The information available via this website
does not take account of your particular financial position. We
suggest that you seek independent advice before acting upon
Material on this Website or Third Party Material.
Availability of the Website
As electronic services are subject to interruption or breakdown,
access to the website is offered on an “as is” and “as available”
basis only.
We may impose limits or restrictions on the use you may make of
this website. Further, for security, technical, maintenance, legal
or regulatory reasons, or due to any breach of these Terms of Use,
we may withdraw this website at any time and without notice to
you.
Use of the Commrisk Website
The information and material contained on this website is
provided solely for bona fide personal or commercial customers
only. By accessing, viewing, or otherwise using this website, you
agree to abide by the terms and conditions of use contained in
this clause.
You agree that you will not (either yourself or through any Third
Party):
- use any robot, spider, screen scraper, data aggregation tool or other automatic device or process (“Automated Process”) to process, monitor, copy or extract any web pages on this website, or any of the information, content or data contained within or accessible through the website, without our prior written permission;
- use any Automated Process to aggregate or combine information, content or data contained within or accessible through this website with information, content, or data accessible via or sourced from any Third Party;
- use any information on or accessed through this website for any commercial purpose (including but not limited to market research, the provision of pricing estimates or ‘shadow shopping’) or otherwise (either directly or indirectly) for profit or gain;
- use any device, software, process, or routine to interfere or attempt to interfere with the proper working of this website or any process being conducted on or through it;
- take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to this website;
- reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with the website; or
- copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the website without our prior written permission.
No use of this website for unrelated persons
You must only use this website to:
- view the different product offerings;
- obtain general information about Commrisk;
- provide information to be contacted by a Commrisk representative; and
- use the telematics portal.
You agree to indemnify us in respect of any liability
incurred by us for any loss, cost, damage, or expense, howsoever
caused, suffered by us as a result of your breach of this clause.
Copyright and Trademarks
Copyright in the Material on this Website is owned or licensed by
Commrisk Insurance Brokers and/or its affiliates or associate
companies.
Except where necessary for and incidental to viewing the Material
on this Website via your web browser, or as permitted under the
Copyright Act (Act no. 98 of 1978) or other applicable laws, no
Material on this Website may be reproduced, stored in an
electronic or other retrieval system, adapted, uploaded to a
third-party location, framed, performed in public or transmitted
in any form by any process whatsoever without the specific written
consent of Commrisk.
Any trademarks registered by Commrisk Insurance Brokers,
belong to Commrisk Insurance Brokers (Pty) Ltd. Third Party
trademarks are trademarks of the respective third parties.
Termination
These Terms of Use and your access to this website may be
terminated at any time by either party without notice to the
other. However, all restrictions and licences granted by you, and
all disclaimers and exclusions of and limitations on liability of
Commrisk, will survive any termination. Upon termination, you must
not directly or indirectly access or use this website or any
Material on this Website.
Acceptance and changes to Terms of Use
You acknowledge and accept that your use of this website indicates
your acceptance of these Terms of Use and the Privacy Policy.
These are the current Terms of Use, they replace any other terms
of use published on the website to date. We may at any time vary
the Terms of Use for security, legal or regulatory reasons, or to
reflect updates or changes to the services or functionality of the
website, by publishing the varied Terms of Use on the website.
Your use of the website after any variation, indicates that you
accepted the new Terms of Use.
General
We only offer our products and/or services within the borders of
the Republic of South Africa.
The law applicable to this website and to disputes arising out of
this website is the law of the Republic of South Africa.
Should any clause, or part thereof, of these Terms of Use be found
to be void, unenforceable or invalid, then it is severed from this
agreement, leaving the remainder in full force and effect,
provided that the severance has not altered the basic nature of
this agreement.
Should you be unhappy with the content displayed on this website
or our operation of the website, please submit your complaint to
complaints@commrisk.co.za
Should your complaint relate to the processing of your personal
information, please submit your complaint to our Information
officer:
complaints@commrisk.co.za
Linking to the website
Linking to the Commrisk Website is only permitted when authorised
by us in writing to do so. Please contact us if you would like to
link to any part of the website.
Company Information:
Name: Commrisk Insurance Brokers (Pty) Ltd
Registration number: 2001/007230/07
FSP number: 13839
VAT Number: 4620194144
Physical Address:
Fourways View Office Park, Block A, 1210 Sunset Boulevard,
Lonehill Ext 44, Gauteng
Telephone number:
011 840 7000
Website:
www.commrisk.co.za
E-mail address:
queries@commrisk.co.za
We accept all legal proceedings and legal documents at the
following address:
Fourways View Office Park, Block A, 1210 Sunset Boulevard,
Lonehill Ext 44, Gauteng
Commrisk Insurance Brokers will from time to time, indicate on
these Terms of Use when same became effective. However, we are
under no obligation to specifically contact or notify you of any
variation to these Terms of Use.
These Terms of Use were last amended on 10/08/2022..