This website and its contents are for information purposes only and are not intended to serve as financial or any other type of advice. Affluence Insure Consultants makes no representation or warranties of any kind, express or implied, including the accuracy, completeness or reliability of the information contained on this website, and shall not be bound in any manner by any information contained on this website.
Any reliance on any information on this website shall be at the user’s own risk. Affluence Insure Consultants does not warrant that this website will be uninterrupted, without delay, error-free, free of viruses, destructive material or any other data or code which is able to corrupt or compromise a computer system and the operation of such a computer system. Affluence Insure Consultants does not make any representation regarding any other websites which may be accessed through this website, and accordingly shall not be responsible for the content or use of such websites.
Affluence Insure Consultants the right in its absolute discretion to change the content, suspend or discontinue this website or any aspect thereof at any time. Affluence Insure Consultants shall not be responsible for any loss or damage of whatever nature (including consequential loss or damage) suffered or incurred, directly or indirectly, by the user or any other person as a result of relying on, or incidental to, or the use of, or any matter relating to, the information contained on this website.
The user hereby agrees that any dispute of whatsoever nature relating to or arising out of any use of this website, whether directly or indirectly, shall be governed by the laws of the Republic of South Africa, and shall be subject to the exclusive jurisdiction of the courts of the Republic of South Africa.
Affluence Insure Consultants does not permit the use of spam or any offensive, defamatory or derogatory e-mails, messages or other materials and should such e-mails, messages or materials be sent it will be a result of the sender sending such e-mail, messages or material without the authorisation of Affluence Insure Consultants and the sender shall be held liable in his/her personal capacity.
The user hereby acknowledges that he/she has read and understands the disclaimer and has agreed to be bound by the terms and conditions hereof.
Standard terms and conditions for competitions
These are the standard terms and conditions for promotional competitions conducted or promoted by or in association with Affluence Insure Consultants, all of its stakeholders, subsidiaries, divisions and affiliates.
Each promotional competition conducted or promoted is subject to these Standard Terms and Conditions for Promotional Competitions (“Ts and Cs”) and the rules, promotional material or adverts (“rules”) pertaining to the specific promotional competition. All the provisions of these Ts and Cs shall form part of Affluence Insure Consultants’ General Terms and Conditions and Private Policy in respect of those services offered on the Affluence Insure Consultants’ website/s (the “Sites”), specifically those relating to the running of competitions, free prize draws, and promotions on the Sites.
For purposes hereof, “affiliate” means Affluence Insure Consultants’ partners, promoters, co promoters and sponsors of this promotional competition, and the directors, officers, employees, agents and representatives of all those listed herein.
Your –
- participation in the promotional competition; and/or
- fulfillment of the conditions pertaining to a promotional competition, should there be any conditions, constitutes your binding acceptance of these Ts and Cs on behalf of yourself and any person with whom you may share a prize, reward, gift, free good or service, price reduction or concession, enhancement of quantity or quality of goods or services or other discounted or free thing being offered (“prize”), in the event that you obtain a prize which is for you and one or more additional persons (“your partner”).
The promotional competition is not open to –
- directors, members, partners, agents, employees, consultants of Affluence Insure Consultants and/or any affiliated companies, agencies, associates, partner and/or any suppliers of goods or services in connection with a competition; and
- the spouse, life partner, business partner or associate, or the natural or adopted parent, child, or sibling, of any of the persons specified in 4.1 above.
Entrance criteria or conditions are as set out in the rules of each promotional competition.
The judges’ decision is final and no further correspondence will be entered into.
Affluence Insure Consultants is not responsible for any entries which are not received by Affluence Insure Consultants and/or the promoters, whether timeously or at all, regardless of the cause thereof. Without limitation, Affluence Insure Consultants is not responsible for any problems or technical malfunction of any telephone network or lines, computer on-line systems, servers, or providers, computer hardware or software failure or malfunction, traffic congestion (whether physical, or on the Internet, telephone lines or at any service provider, website or other device or medium), or any combination thereof, or any other technical or other problems.
It is your responsibility, as a participant, to ensure that any information which you provide in respect of a promotional competition is accurate, complete and up to date.
Any costs or expenses which you may incur other than in respect of those items specifically included in a prize are for your own account. Affluence Insure Consultants will not be responsible for any costs or expenses which you, or your partner (if applicable), incur during and for purposes of your participation in the promotional competition and your acceptance and/or use of a prize. Affluence Insure Consultants will specify, in the rules, the total value of the prizes to be won, the nature of the prizes, and any cost to be borne by the participants of any specific promotional offer.
Affluence Insure Consultants does not make any representations or give any warranties, whether expressly or implicitly, as to a prize, and in particular, but without limitation, makes no representations and gives no warranty that a prize, or any aspect thereof, will –
- meet your, or, if applicable, your partner’s requirements, preferences, standards or expectations; or
- be satisfactory and punctual.
Prizes are not transferable and may not be deferred, changed or exchanged for any other item or cash.
You may not obtain a prize if it is unlawful for us to supply such a prize to you. If you do not qualify to receive such a prize, you will forfeit it.
In the event that you win, you must possess whatever documents and permissions that may be required in order to take part in the promotional competition or claim a prize.
Should you be a participant in the promotional competition to whom a prize is due, you will be notified by means of the contact details provided to Affluence Insure Consultants by you. Affluence Insure Consultants may require you to provide it, as the case may be, with additional information as may be reasonably required to process and facilitate your acceptance and/or use of a prize.
You have two days from notification by Affluence Insure Consultants to collect or organise delivery of a prize unless otherwise stipulated in the rules for a specific promotional competition.
Should you be a participant in the promotional competition to whom a prize is due and you fail to respond to the formal notification by Affluence Insure Consultants within the time period specified at 14 above, or in the rules for the specific promotional competition, as the case may be, you shall forfeit such unclaimed prize and thereafter Affluence Insure Consultants shall randomly select a replacement winner from the competition entries.
Affluence Insure Consultants shall notify the replacement winner of such effect as soon as reasonably practicable and the provisions of this clause 15 shall apply to the replacement winner in the event that he/she fails to respond to the notification.
To the full extent permissible by applicable law, Affluence Insure Consultants and its third party suppliers, as the case may be, reserve the right to vary, postpone, suspend, or cancel the promotional competition and any prizes, or any aspect thereof, without notice at any time, for any reason which Affluence Insure Consultants and such suppliers deem reasonable in the circumstances.
In the event of such variation, postponement, suspension or cancellation, you agree to waive any rights, interests and expectations that you may have in terms of the promotional competition and acknowledge that you will have no recourse against Affluence Insure Consultants and third party suppliers.
You agree that your participation in the promotional competition, and your acceptance and/or use of a prize, or any aspect thereof, is at your own risk.
Should you be a participant to whom a prize is due, you consent to Affluence Insure Consultants or its authorised agents to take, capture, record and/or use your name, voice, photographic images or video images for the purpose of marketing and publicity campaigns.
To the full extent permissible by applicable law, Affluence Insure Consultants will not be responsible, and disclaim all liability, for any loss, liability, injury, expense or damage (whether direct, indirect, incidental, punitive or consequential) of any nature, whether arising from negligence or any other cause, which is suffered by your participation in the promotional competition or the acceptance and/or use by you, or your partner (if applicable), of any prize, or by any action taken by us or any of our affiliates in accordance with the Ts and Cs.
These Ts and Cs will be construed, interpreted and enforced in accordance with the applicable laws of the Republic of South Africa.
Affluence Insure Consultants reserves the right to amend these Ts and Cs for Promotional Competitions at any time and will publish same on its Sites or make same available to participants on request.
In the event that any of the terms of these T’s and C’s are found to be invalid, unlawful or unenforceable, such terms will be severable from the remaining terms of these T’s and C’s, which will continue to be valid and enforceable.