Terms and Conditions

funeralexpenses.co.za (“we, us, our”) is an online funeral insurance information site (“the Website”), which allows users (“you, your”) to find information relative to the South African funeral insurance industry. We may also offer other informative and opinion based content from time to time. You are also able to voluntarily provide your contact information, to our advertising clients, through their, advertising material (banners. Links etc.), and have these advertisers contact you.

These terms and conditions are the contract between you and funeralexpenses.co.za (“us”, “we”, etc). By visiting or using Our Website, or signing up for our Services, you agree to be bound by them.

We are a website registered in South Africa, owned by a South African company.

You are: Anyone who uses Our Website or the Services that we provide.

Please read this agreement carefully and save it. If you do not agree with it, you should leave Our Website immediately.

These are the agreed terms

1. Definitions

“Content” means the textual, visual or aural content that is encountered as part of your experience on Our Website. It may include, among other things: text, images, sounds, videos and animations. It includes content Posted by you.
“Intellectual Property” means intellectual property owned by us, of every sort, whether or not registered or registrable in any country, including intellectual property of all kinds coming into existence after today; and including, among others, patents, trademarks, unregistered marks, designs, copyrights, software, domain names, discoveries, creations and inventions, together with all rights which are derived from those rights.
“Our Website” means any website or service designed for electronic access by mobile or fixed devices which is owned or operated by us. It includes all web pages controlled by us.
“Post” means place on or into Our Website any Content or material of any sort by any means.
“Services” means all of the services, informative articles, opinion pieces, advertising links and any and all current and future offerings we may make available from Our Website.

2. Interpretation

In this agreement unless the context otherwise requires:

  • a reference to a person includes a human individual, a corporate entity and any organisation which is managed or controlled as a unit.
  • in the context of permission, “may not” in connection with an action of yours, means “must not”.
  • any agreement by either party not to do or omit to do something includes an obligation not to allow some other person to do or omit to do that same thing.
  • this agreement is made only in the English language. If there is any conflict in meaning between the English language version of this agreement and any version or translation of this agreement in any other language, the English language version shall prevail.

3. Basis of Contract

  • Services are only offered in South Africa. We refuse to provide the Services if you live in a country we do not serve.
  • In entering into this contract, you have not relied on any representation or information from any source except the definition and explanation of the Services given on Our Website.
  • Subject to these terms and conditions, we agree to provide to you some or all of the Services described on Our Website.
  • So far as we allow use of our Intellectual Property, we grant a licence to you, limited to the terms set out in this agreement.
  • We may change this agreement and / or the way we provide the Services, at any time. If we do:
    • the change will take effect when we Post it on Our Website.
    • you agree to be bound by any changes. If you do not agree to be bound by them, you should not use Our Website or the Services.

4. Security of Our Website

If you violate Our Website, we shall take legal action against you.

You now agree that you will not, and will not allow any other person to:

  • modify, copy, or cause damage or unintended effect to any portion of Our Website, or any software used within it.
  • link to Our Website in any way that would cause the appearance or presentation of the site to be different from what would be seen by a user who accessed the site by typing the URL into a standard browser;
  • download any part of Our Website, without our express written consent;
  • collect or use any information obtained from or about Our Website or the Content except as intended by this agreement;
  • aggregate, copy or duplicate in any manner any of the Content or information available from Our Website, other than as permitted by this agreement or as is reasonably necessary for your use of the Services;
  • share with a third party any login credentials to Our Website;
  • Despite the above terms, we now grant a licence to you to:
    • create a hyperlink to Our Website for the purpose of promoting an interest common to both of us. You can do this without specific permission. This licence is conditional upon your not portraying us or any product or service in a false, misleading, derogatory, or otherwise offensive manner. You may not use any logo or other proprietary graphic or trademark of ours as part of the link without our express written consent.
    • you may copy the text of any page for your personal use in connection with the purpose of Our Website or a Service we provide.

5. Storage of data

  • Should we offer a service to send messages, email or other forms of communication to other Website users or even externally, we may, from time to time, set a limit on the number of messages you may send, store, or receive through the Services. We may delete messages in excess of that limit. We shall give you notice of any change to your limit, except in an emergency.
  • We assume no responsibility for the deletion or failure to store or deliver email or other messages.
  • You accept that we cannot be liable to you for any such deletion or failure to deliver to you.
  • We maintain reasonable procedures for general backup of data for our own purposes but we give no warranty that your data will be saved or backed up in any particular circumstances unless we have made specific contractual arrangements with you in writing.

6. Interruption to Services

  • If it is necessary for us to interrupt the Services, we will give you reasonable notice where this is possible and when we think the down time is such as to justify telling you.
  • You acknowledge that the Services may also be interrupted for many reasons beyond our control.
  • You agree that we are not liable to you for any loss, foreseeable or not, arising from any interruption to the Services.

7. Intellectual Property

You agree that at all times you will:

  • not do anything which does or might reduce the value of our Intellectual Property or challenge our ownership of it.
  • notify us of any suspected infringement of the Intellectual Property;
  • so far as concerns software provided or made accessible by us to you, you will not:
    • copy, or make any change to any part of its code;
    • use it in any way not anticipated by this agreement;
    • give access to it to any other person than you, the licensee in this agreement;
    • in any way provide any information about it to any other person or generally.
  • not use the Intellectual Property except directly as intended by this agreement or in our interest.

8. Disclaimers and limitation of liability

  • The law differs from one country to another. This paragraph applies so far as the applicable law allows.
  • All implied conditions, warranties and terms are excluded from this agreement
  • The Site includes Content Posted by third parties. We are not responsible for any such Posting. If you come across any Content which offends against this document, please contact us via the email address info@funeralexpenses.co.za.
  • You are advised that Content may include technical inaccuracies or typographical errors. This is inevitable in any large website. We would be grateful if you bring to our immediate attention, any that you find.
  • Our Website contains links to other Internet websites. We have neither power nor control over any such website. You acknowledge and agree that we shall not be liable in any way for the content of any such linked website, nor for any loss or damage arising from your use of any such website or from your buying services or goods via such a website.
  • The funeralexpenses.co.za Website and Services are provided “as is”. We make no representation or warranty that Services will be:
    • useful to you;
    • of satisfactory quality;
    • fit for a particular purpose;
    • available or accessible, without interruption, or without error.
  • We claim no expert knowledge in any subject. We disclaim any obligation or liability to you arising directly or indirectly from information you take from Our Website.
  • We accept no responsibility for:
    • privacy of any transmission;
    • third party advertisements which are posted on Our Website or through the Services;
    • the conduct, whether online or offline, of any user of Our Website or the Services;
    • failure or malfunction of computer hardware or software or technical equipment or system connected directly or indirectly to your use of the Services.
    • loss or damage resulting from your attendance at an event organised through Our Website or the Services;
  • You agree that in any circumstances when we may become liable to you, the limit of our liability is the amount you have paid us in the immediately preceding 3 month period for the Services concerned.
  • In the case of death or personal injury, our total liability under this agreement, however it arises, shall not exceed the sum of R1,000, determined at our sole discretion.
  • We shall not be liable to you for any loss or expense which is:
    • indirect or consequential loss; or
    • economic loss or other loss of turnover, profits, business or goodwill even if such loss was reasonably foreseeable or we knew you might incur it.
  • This paragraph (and any other paragraph which excludes or restricts our liability) applies to our directors, officers, employees, subcontractors, agents and affiliated companies as well as to us.

9. Miscellaneous matters

  • If any term or provision of this agreement is at any time held by any jurisdiction to be void, invalid or unenforceable, then it shall be treated as changed or reduced, only to the extent minimally necessary to bring it within the laws of that jurisdiction and to prevent it from being void and it shall be binding in that changed or reduced form. Subject to that, each provision shall be interpreted as severable and shall not in any way affect any other of these terms.
  • The rights and obligations of the parties set out in this agreement shall pass to any permitted successor in title.
  • funeralexpenses.co.za respects your privacy, takes reasonable steps to protect your personal information as defined in the Promotion of Access to Information Act 2000 and Protection of Personal Information Act 2013. Our compliance with the legislation is set out in Privacy Policy.
  • If you are in breach of any term of this agreement, we may:
    • publish all text and Content relating to the claimed breach, including your name and email address and all correspondence between us and our respective advisers; and you now irrevocably give your consent to such publication.
    • terminate your account and refuse access to Our Website;
    • remove or edit Content, or cancel any order at our discretion;
    • issue a claim in any court.
  • Any obligation in this agreement intended to continue to have effect after termination or completion shall so continue.
  • No failure or delay by any party to exercise any right, power or remedy will operate as a waiver of it nor indicate any intention to reduce that or any other right in the future.
  • You agree that we may disclose your information including assigned IP numbers, account history, account use, etc. to any judicial or proper legal authority who makes a written request without further consent or notification to you.
  • Any communication to be served on either party by the other shall be delivered by hand or sent by first class post or recorded delivery or by e-mail.
It shall be deemed to have been delivered:
if delivered by hand: on the day of delivery;
if sent by post to the correct address: within 72 hours of posting;
If sent by e-mail to the address from which the receiving party has last sent e-mail: within 24 hours if no notice of non-receipt has been received by the sender.
  • In the event of a dispute between the parties to this agreement, then they undertake to attempt to settle the dispute by engaging in good faith with the other in a process of mediation before commencing arbitration or litigation.
  • This agreement does not give any right to any third party.
  • In the event of any conflict between any term of this agreement and the provisions of the memorandum of incorporation of a limited company or any comparable document intended to regulate any other corporate or collective body, then the terms of this agreement shall prevail.
  • The validity, construction and performance of this agreement shall be governed by the laws of the Republic of South Africa and the parties agree that any dispute arising from it shall be litigated only in the Republic of South Africa.