Terms and Conditions

1. Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you and InsureWizard ("Company," "we," "us," or "our") governing your access to and use of our website, services, and products.

By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our services.

2. Definitions

• "Services" means all insurance-related services, information, and tools provided by InsureWizard.
• "User," "you," or "your" refers to any individual or entity accessing our services.
• "Content" means all information, text, graphics, images, and other materials available through our services.
• "Account" means any account you create to access our services.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using our services under applicable laws
• Provide accurate and complete information
• Maintain the security of your account credentials

4. Account Registration and Security

When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Maintain the security and confidentiality of your password
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

We reserve the right to suspend or terminate accounts that violate these Terms or provide false information.

5. Services and Insurance Products

5.1 Service Description

InsureWizard acts as an insurance intermediary, providing information, quotes, and facilitating insurance policies from various insurance carriers. We do not underwrite insurance policies ourselves.

5.2 Not Financial Advice

Information provided through our services is for general informational purposes only and does not constitute financial, legal, or professional advice. You should consult with qualified professionals before making insurance decisions.

5.3 Quotes and Pricing

Insurance quotes are estimates based on information you provide and are subject to change. Final pricing and coverage terms are determined by the insurance carrier and may differ from initial quotes.

5.4 No Guarantee of Coverage

We do not guarantee that any insurance application will be approved or that specific coverage will be available. Insurance carriers make final underwriting decisions.

6. User Obligations and Prohibited Conduct

6.1 Accurate Information

You agree to provide accurate, truthful, and complete information when requesting quotes or applying for insurance. Providing false or misleading information may result in denial of claims, policy cancellation, or legal consequences.

6.2 Prohibited Activities

You agree not to:

• Violate any applicable laws or regulations
• Provide false, inaccurate, or misleading information
• Impersonate any person or entity
• Engage in fraudulent activities
• Interfere with or disrupt our services or servers
• Attempt to gain unauthorized access to our systems
• Use automated tools to access or scrape our website
• Transmit viruses, malware, or harmful code
• Violate intellectual property rights
• Harass, threaten, or harm others
• Use our services for unlawful purposes

7. Intellectual Property Rights

All content, features, and functionality on our website are owned by InsureWizard or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, modify, distribute, or reproduce our content without permission
• Use our trademarks, logos, or branding without authorization
• Create derivative works based on our content
• Remove or alter copyright notices or proprietary markings

8. Payments, Fees, and Refunds

8.1 Premium Payments

Insurance premiums must be paid according to the terms of your policy. Failure to pay premiums may result in policy cancellation or lapse of coverage.

8.2 Service Fees

We may charge service fees for certain transactions. All fees will be clearly disclosed before you complete a transaction.

8.3 Payment Methods

We accept various payment methods. You authorize us to charge your payment method for all applicable fees. You are responsible for maintaining valid payment information.

8.4 Refunds and Cancellations

Refund policies are determined by the insurance carrier and the terms of your policy. We will assist with refund requests according to carrier policies. Service fees may be non-refundable.

9. Third-Party Services and Links

Our website may contain links to third-party websites or services. We are not responsible for:

• The content or practices of third-party websites
• The accuracy of third-party information
• Products or services offered by third parties
• Any damages or losses from third-party interactions

10. Disclaimers and Warranties

10.1 "As Is" Basis

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

10.2 No Guarantee

We do not warrant that:

• Our services will be uninterrupted, secure, or error-free
• The information provided will be accurate or complete
• Defects will be corrected
• Our servers are free of viruses or harmful components

10.3 Insurance Coverage

We make no representations or warranties regarding the adequacy, suitability, or appropriateness of any insurance product for your specific needs. Insurance carriers are solely responsible for policy terms and coverage.

11. Limitation of Liability

To the fullest extent permitted by law, InsureWizard and its officers, directors, employees, and agents shall not be liable for:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Personal injury or property damage resulting from your use of our services
• Unauthorized access to or alteration of your data
• Statements or conduct of third parties
• Any other matter relating to our services

Our total liability to you for all claims arising from or related to our services shall not exceed the amount you paid to us in the twelve (12) months preceding the claim, or $100, whichever is greater.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless InsureWizard and its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of applicable laws or regulations
• Information or content you submit or provide

13. Dispute Resolution and Arbitration

13.1 Informal Resolution

Before filing a claim, you agree to contact us at support@cxk.co.za to attempt to resolve the dispute informally.

13.2 Arbitration Agreement

Any dispute arising from or relating to these Terms or our services shall be resolved through binding arbitration rather than in court, except that you may assert claims in small claims court if they qualify.

13.3 Class Action Waiver

You agree that disputes will be resolved on an individual basis and not as part of a class action, consolidated, or representative proceeding.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of South Africa, without regard to its conflict of law provisions. Any legal action or proceeding shall be brought exclusively in the courts located in South Africa.

15. Term and Termination

15.1 Termination by You

You may terminate your account at any time by contacting us at support@cxk.co.za.

15.2 Termination by Us

We may suspend or terminate your access to our services at any time, with or without cause or notice, including for:

• Violation of these Terms
• Fraudulent or illegal activity
• Extended periods of inactivity
• Requests by law enforcement or government agencies
• Technical or security issues

15.3 Effect of Termination

Upon termination, your right to use our services will immediately cease. Provisions that by their nature should survive termination (including intellectual property, disclaimers, indemnification, and limitations of liability) will survive.

16. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will:

• Update the "Last Updated" date
• Post the revised Terms on our website
• Notify you via email or through our services (for significant changes)

Your continued use of our services after changes take effect constitutes acceptance of the revised Terms.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

18. Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative.

19. Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

20. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and InsureWizard regarding our services.

21. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

22. Contact Information

If you have any questions about these Terms, please contact us: