Terms & Conditions

Copyright Notice

The contents of this site, including but not limited to the text and images herein and their arrangement, are copyright ©2009–2019 by Sencerus Insurance Brokers ("SIB"), 10a Elephant Road, Monument Park, South Africa 0105. All Rights Reserved.

The content of the website shall not be copied or posted in any network computer or broadcast in any media. You may not copy or display for redistribution to third parties for commercial purposes any portion of the content without the prior written permission of SIB. No modifications of the content may be made. Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent, trademark, copyright (except as expressly provided above), or other proprietary rights of SIB or of any third party.

Trademarks

Sencerus and the SIB logo are registered trademarks of Sencerus Holdings (Pty) Ltd. All other trademarks are either owned by SIB or by other companies.

Content

SIB makes no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty of any kind.

SIB has not made and does not make any warranty of any kind whatsoever express or implied, with respect to the contents of this site; and all implied warranties of sales. Title, non-infringement, and fitness for a particular purpose are hereby disclaimed by SIB. SIB will not be liable to anybody with respect to any damages, loss or claim whatsoever, no matter how it occurred, in connection with access to or use of the contents of this site. In no event shall SIB be liable for any special, indirect, exemplary or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits, without regard to the form of any action including but not limited to the contract or negligence or tortious actions, arising out of or in connection with the use, copying or display of the content.

While SIB believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors and SIB does not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time to time SIB may make changes in the products and/or services described herein, however, SIB makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

Links to Other Sites

Some of the sites listed as links herein are not under the control of SIB. Accordingly, SIB makes no representations whatsoever concerning the content of those sites. The fact that SIB has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by SIB with respect to such site, its owners or its providers. SIB is providing these links only as a convenience to you. SIB has not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and SIB cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet

Recommendation Disclosure

Sencerus Insurance Brokers (Pty) Ltd, including all of its subsidiaries and affiliates, maintains relationships with clients and business partners worldwide. When SIB recommends or mentions a product or service provider, it is possible that the product or service is being offered by one of SIB’s clients or business partners. SIB maintains a strict Code of Business Conduct covering many topics, including antitrust and competition law, conflicts of interest, anti-bribery, privacy, financial reporting, compliance with trade restrictions, protection of confidential information, and compliance with all laws and regulations applicable to the conduct of our business. SIB also files necessary disclosures with all governmental regulators. If you have any questions about an SIB recommendation or mention of another business entity (or about an entity with which SIB conducts business), please follow-up with your SIB contact person. SIB is committed to serving our clients in a transparent, fair and equitable manner.

Fee/Commission Disclosure

SIB, affiliates and subsidiaries that provide retail brokerage and risk management, may receive remuneration as commissions or fees paid by an insurer; fees paid by a client in lieu of, or in addition to, commissions; and investment income on premiums. In certain circumstances, one or more of these affiliates may also receive compensation paid by underwriters for performance of technical or other services. If you have any questions regarding the nature or amount of the compensation paid to any SIB on your account, we encourage you to contact the head of the SIB office that services your account. In addition, SIB has committed to provide, upon request, detailed year-end summary information to our clients on compensation we receive from insurers or other third parties in connection with the placement, renewal, consultation on or servicing of policies.