Terms of Use

Your use of this site is subject to the Terms of Use

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THE WEBSITE OR MICROSITE

What's in these terms?

These are the rules that apply to this website and/or microsite (the Site).

By using the Site, you accept these terms

By using the Site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms, you will not be able to use the Site.

We recommend that you save or print a copy of these terms for future reference.

Who we are and how to contact us

The Site is operated by or on behalf of Aon South Africa (Pty) Ltd (we, us, our, Aon). We are a licensed financial services provider in terms of the Financial Advisory and Intermediary Services (FAIS) Act 2002, with FSP #20555.

To contact us, please email [email protected], or call us on 0860 100 404.

There are other terms that may apply to you

These terms of use refer to the following additional terms, which also apply to your use of the Site:

• Our Privacy Notice. See further under “How we may use your personal information”.
• Our Legal Notice, which sets out general information that applies to websites owned, operated, or otherwise under our control.
• Our Disclaimer, which sets out general disclaimers.
• Our Cookie Policy, which sets out information about the cookies on this Site.
• Other terms and conditions that may be communicated or made available by us from time to time.

Please note that if we provide services to you or place insurance on your behalf, or provide you with consultancy services, our Standard Terms and Conditions of Business (TOBA) will apply except for services where a specific service level agreement applies to the exclusion of the TOBA.  

We may make changes to these terms

We may amend these terms from time to time. Every time you wish to use the Site, please check these terms to ensure you understand the terms that apply at that time.

We may make changes to the Site

We may update and change the Site from time to time to reflect changes to our products, our users' needs and our business priorities.

We may suspend or withdraw the Site

The Site is made available free of charge.

We do not guarantee that the Site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of the Site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access the Site through your internet connection are aware of these terms of use and all other applicable terms and conditions, and that they accept and comply with them.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under these terms.

How you may use material on the Site

The intellectual property in the design, source code and/or content of this website subsists and vests in Aon and/or its partners and affiliates.  No part may be reproduced in any form or by any means without the prior written permission of the intellectual property owner.  Any unauthorised reproduction of these works will constitute a possible infringement of the rights vesting therein and render the infringing party liable under both civil and/or criminal law. We reserve all rights in relation to the intellectual property on this Site.

Should you wish to request a copy of a document completed using the Site, please contact us.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on this Site must always be acknowledged if you use the content.

You must not use any part of the content on the Site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of the Site in breach of these terms of use, your right to use the Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

You must keep any account details used to log in safe

If you choose, or you are provided with or required to use, a username, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

Aon may determine certain requirements that you will need to meet when choosing a username or password.  These requirements may be changed from time to time and you may be required to update your credentials.

You accept full responsibility for all activities that occur under any access details (e.g. your user name and password), and you accept full responsibility for sharing your user name and password. We have the right to disable any username or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use or for any other reason.

If you know or suspect that anyone other than you knows your username or password, you must promptly notify us at 0860 100 404.

Accepted use of the Site and your obligations

In using the Site, you agree:

• to keep any account details used to log in (including your username and password) confidential, and not allow other people to use these details – any use of your account details will be regarded as if you were the person using such information;
• not to interfere with the functionality or proper working of the Site;
• not to introduce any viruses, worm, logic bomb, Trojan, wares, potentially unwanted program (PUP), or other malicious software into the service;
• not to use the Site in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these terms, nor act fraudulently or maliciously, for example, by hacking into or inserting malicious code, such as viruses, or harmful data, into the Site;
• not to infringe intellectual property rights of any person in relation to your use of the Site;
• not to transmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the Site;
• not to use the Site in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users;
• not to collect or harvest any information or data from any service or our systems or attempt to decipher any transmissions to or from the servers running any service.

In order for us to provide our services on this Site, you will be required to provide certain information throughout the online process. You warrant:

• your identity (that is, you are who you say you are), and that you can prove your identity should we require you to do so;
• that all information you provide at any time to us using this Site, in writing, or to Aon, will in all respects be current, complete, and accurate, and that you will update such information if it changes; and
• that you will provide to us all material and relevant facts required by us as may be appropriate to any dealings you have with us. If you do not provide the information, or provide information that is incorrect, we may, at our choice, cancel any agreement or transaction arising from your dealings with us.

Do not rely on information on the Site as advice

The content or information displayed on our Site or any third party website which may be accessed through links provided on the Site is not intended as advice but merely as information. Before making any decision or taking any action based on any information displayed on the Site or any such third party website that may affect your finances or business, it is recommended that you first obtain appropriate professional advice. We encourage you to contact us directly should you require such advice.

Although we make reasonable efforts to update the information on the Site, we make no representations, warranties or guarantees, whether express or implied, that the content on the Site is accurate, complete or up to date.

We are not responsible for websites we link to

Where the Site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of, or responsibility for, those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

We are not responsible for any calculations made on the Site

You agree that any calculations made on the Site are estimates and are meant as guidelines only. Aon will not be responsible for any mistakes in the performance of any calculators or interactive tools used in the calculations.

Responsibility for loss or damage suffered by you through the use of the Site

• We will not be liable for any loss or damage that you may suffer as a result of the use of the Site, save and except where the exclusion of such loss or damage is not permitted by law.
• You are responsible for all claims relating to or arising from your use of the Site, and agree to fully indemnify Aon should any such claims arise.
• If you use this Site for any personal financial, commercial or business purposes, we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We are not responsible for viruses, and you must not introduce them

We do not guarantee that the Site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programs and platforms to access the Site. You should use your own virus protection software.

How we may use your personal information

Through your interaction with us using the Site, certain personal information is required from you and processed to enable us and other financial and other service providers to assess and provide financial and other services to you.

We will only use your personal information as set out in our Privacy Notice.

You should beware of phishing and spoofing

If you receive an unsolicited e-mail that appears to be from Aon and that requests you to provide personal confidential information (such as your credit card number, username, or password), or that asks you to verify or confirm your Aon information by clicking on a link, it is most likely that the e-mail was sent by a "phisher" or "spoofer."

Aon will never ask for this type of information in an e-mail, and we strongly recommend that you do not respond to these e-mails and that you do not click on the link. Responding to “phishing” places you and your personal information at risk.

South African law applies

These terms of use, their subject matter and their formation, are governed by South African law. You and we both agree that the courts of South Africa will have exclusive jurisdiction to resolve any dispute.

 

Last updated: 10 February 2021