Upon payment of the premium and subject to the terms, conditions, and exclusions of this policy, Santam Limited (the Insurer) agrees to provide You with cover, according to the insurance cover option(s) selected, for Your Mobile Device, Accessory or Router (hereafter referred to as the insured item), occurring during the period of insurance, up to the maximum limit of indemnity, as indicated in the Policy Schedule.

Administrator means Worldwide Advisory Services, in its binder holder contractual capacity. 

Accessories means the Network issued accessory (ear pods, wearables) which bear the Serial number as reflected on the insurance schedule.

Accidental means an incident You could not foresee, that happens unexpectedly and unintentionally at an identifiable time and place. 

Additional Excess means an additional amount You must pay for claiming, over and above the Excess, as set out in the terms and conditions of this policy. 

Cancellation means You instruct Your Intermediary, Administrator and/or Insurer to cancel Your Mobile Device, Accessory or Router insurance policy. Your Mobile Device, Accessory or Router policy may be cancelled, at any time, by the Insurer by providing You with 31 (thirty-one) days’ written notice.

Consequential Loss means any consequential (for example, loss of income as a result of an Insured Event), indirect or resultant loss that accompanies the insured loss. 

Cyber Loss means any act, whether intentional or unintentional, planned, authorised or unauthorised, malicious, or criminal, regardless of time and place, or the threat or hoax thereof, affecting, prohibiting access to, processing of, use of or operation of the Mobile Device, Router, or SIM Card. 

Date of Incident means the date on which the Insured Event occurs, which must fall within the period of insurance. 

Debit Order means the agreement entered into between You and Worldwide Advisory Services (Pty) Ltd which allows the said company to debit the insurance premium from Your bank account. 

Dongle means a small device able to be connected to and used with a computer, especially to allow access to wireless broadband or use of protected software. 

Excess means the first amount payable by You, in respect of each and every claim, unless the Policy Wording indicates otherwise, and this excludes any Additional Excesses. 

Excess Buy-Down means the optional benefit that assists You to reduce Your Excess by 50% on certain cover options. 

Expert means an authorised repair centre for the manufacturer of the Mobile Device, Accessories (if applicable) or Router that the SIM Card is used with, at the time of the claim. 

Insured Event means an accidental, unexpected, or unforeseen event. 

Insurer/the Insurer/Your Insurer means Santam Limited. 

Intermediary means Admyntec Services, a mandated juristic representative of Worldwide Advisory Services. 

Liquid Damage means any damage caused by a sudden and unforeseeable ingress of fluid. 

Mobile Device means the network issued device (cellphone, laptop, tablet and/or smart watch that can carry a SIM Card) which bears the IMEI number as reflected on the insurance schedule, excluding any Accessories. 

Modem means a combined device for modulation and demodulation, for example, between the digital data of a computer and the analogue signal of a phone line. 

Router means a piece of electronic equipment that connects computer networks to each other. 

Policy Schedule means the document attaching to the policy that contains information, including details of the policyholder, period of insurance, premium, details of the insured item, the insured value and the Excess applicable. 

Repairable means restoring the insured item to the same working condition, immediately before the incident took place. 

Service Provider means MTN. 

SIM Card means the subscriber identity module bearing an MSISDN (Mobile Station International Subscriber Directory Number) allocated to each subscriber. 

Subscriber Agreement means the agreement entered into between You and MTN, which allows Your insurance amount to be debited against. 

Total Loss means loss due to theft or the insured item being accidentally lost, or damage to such an extent that the device cannot be repaired for further use.
Unattended means that You or a person You have authorised to look after the insured Mobile Device, Accessory, or Router are not physically present at the time of the event that leads to a claim or are not close enough to the insured Mobile Device, Accessory, or Router to see it and are therefore unable to prevent any loss or damage. 

Unattended Vehicle means that You or a person You have authorised to look after the insured Mobile Device, Accessory or Router are not physically present in the vehicle at the time of the event that leads to a claim or are not close enough to the vehicle to see it and are therefore unable to prevent any loss of or damage. 

Us or Our or We means Santam Limited. 

You or Your means the policyholder shown in Your Policy Schedule, including Your spouse and any other members of Your family (older than 18 and/or emancipated) who normally live with You.

COVER OPTIONS AVAILABLE
If a heading below is shown in the schedule under, ‘Details of the Subscriber Agreement holder/Application type’ We will cover You as shown under that heading. If the heading does not appear, You do not have that cover.
i) Mobile All Risk;
ii) Liquid & Accidental Damage;
iii) Repair Only;
iv) Loss & Theft Only;
v) Excess Buy-Down:
– The Excess Buy-Down can only be selected as an add-on benefit if one of the following covers has been selected, Mobile All Risk, Liquid & Damage, or Repair Only.
vi) Router All Risk.

MOBILE ALL RISK
This section offers cover for Accidental, unforeseen physical loss, or damage to the insured item, occurring anywhere in the world.

EXCESS BUY-DOWN (Optional benefit)
This section offers cover to reduce Your Excess by 50%. For an additional premium, Your Insurer will reduce the Excess You have to pay by 50%. For example, if Your Excess is R1 000.00 it would be reduced to R500.00, if You selected Excess Buy-Down when taking out the policy.
Excess Buy-Down is not applicable to or available for any Additional Excess that might apply.

LIQUID & ACCIDENTAL DAMAGE
This section offers cover for Accidental, unforeseen physical or Liquid Damage to the insured item, occurring anywhere in the world.

EXCESS BUY-DOWN (Optional benefit)
This section offers cover to reduce Your Excess by 50%. For an additional premium, Your Insurer will reduce the Excess You have to pay by 50%. For example, if Your Excess is R1 000.00 it would be reduced to R500.00, if You selected Excess Buy-Down when taking out the policy.
Excess Buy-Down is not applicable to or available for any Additional Excess that might apply.

REPAIR ONLY
This section offers cover for the cost of the repair of the insured item due to Accidental or unforeseen physical damage to the insured item, occurring anywhere in the world. However, there is no cover for damage caused by liquid.
Should the cost of repair exceed more than 70%, of the insured value, the insured item will be deemed beyond economical repair and no cover will apply. There will be no replacement of the insured item and the policy will automatically be cancelled.
In the event that the insured item can be repaired, the Insurer will restore it to its original working condition, immediately before the damage occurred.

EXCESS BUY-DOWN (Optional benefit)
This section offers cover to reduce Your Excess by 50%. For an additional premium, Your Insurer will reduce the Excess You have to pay by 50%. For example, if Your Excess is R1 000.00 it would be reduced to R500.00, if You selected Excess Buy-Down when taking out the policy.
Excess Buy-Down is not applicable to or available for any Additional Excess that might apply.

LOSS & THEFT ONLY
This section only offers cover for Accidental, unforeseen physical loss, or theft of the insured item, occurring anywhere in the world.

ROUTER ALL RISK
This section offers cover for Accidental, unforeseen physical loss, or damage (including lightning and power surge damage) to the insured Router, occurring anywhere in the world.

Excess refers to the first amount payable by You, in the event of each and every claim. The Excess is dependent on the cover option selected.

What You pay in the event of a claim
Each time You have a valid claim, under this policy, You agree to pay the Excess. The Excess is the amount You must pay before We process any valid claim:
- Should You fail to pay the required Excess on the approved claim, for Your insured item, within 90 (ninety) days from the date of loss, the claim will be suspended and will prescribe after 12 months.

MOBILE ALL RISK 
In the event of a Total Loss, in other words lost, stolen, or beyond economical repair: 
i 10% of the value of the insured item, with a minimum of R300.00; 
ii 2nd loss within 12 months – 10% of the value of the insured item, with an Additional Excess of R750.00; 
iii 3rd loss within 12 months – 10% of the value of the insured item, with an Additional Excess of R1 000.00; 
iv All claims lodged within 60 days, from inception date of the policy, will have an Additional Excess of R300.00 applicable.

If the insured item is Repairable: 
i 5% of the value of the insured item, with a minimum of R150.00; 
ii 2nd repair within 12 months – 5% of the value of the insured item, with an Additional Excess of R300.00; 
iii All claims lodged within 60 days, from inception date of the policy, will have an Additional Excess of R300.00 applicable.

Excess structure will be reset when a period of 12 months, from the date of the last claim, has elapsed. 

LIQUID & ACCIDENTAL DAMAGE 
In the event of a Total Loss, in other words beyond economical repair: 
i 5% of the value of the insured item with a minimum of R300.00; 
ii 2nd loss within 12 months – 5% of the value of the insured item, with an Additional Excess of R750.00; 
iii 3rd loss within 12 months – 5% of the value of the insured item, with an Additional Excess of R1 000.00; 
iv All claims lodged within 60 days, from inception date of the policy, will have an Additional Excess of R300.00 applicable.

If the insured item is Repairable: 
i 5% of the value of the insured item, with a minimum of R150.00; 
ii 2nd repair within 12 months – 5% of the value of the insured item and an Additional Excess of R300.00 is payable, thereafter an Additional Excess of R300.00 is payable for all other repairs; 
iii All claims lodged within 60 days, from inception date of the policy, will have an Additional Excess of R300.00 applicable.

Excess structure will be reset when a period of 12 months, from the date of the last claim, has elapsed.

LOSS & THEFT ONLY
In the event of a Total Loss, in other words lost or stolen:
i) 10% of the value of the insured item, with a minimum of R300.00;
ii) 2nd loss within 12 months – 10% of the value of the insured item, with an Additional Excess of R750.00;
iii) 3rd loss within 12 months – 10% of the value of the insured item, with an Additional Excess of R1 000.00;
Excess structure will be reset when a period of 12 months, from the date of the last claim, has elapsed.

ROUTER ALL RISK
Excesses are not applicable to Router cover.

Observance of policy conditions
You will not be covered, under this policy, unless Your premiums are up-to-date, and You have fulfilled all Your obligations. The Insurer may declare the whole or any part of this policy invalid if You:
- Have not given Us all the details that affect the risk; or
- Have misrepresented or misdescribed any details that affect the risk.

You must advise either Your Intermediary, Administrator and/or Insurer immediately of any change in the risk. Should there be any material change in the risk, the Insurer may amend the cover and/or premium, from the date of the change.

If You do not inform Your Intermediary, Administrator and/or Insurer of any material change, the Insurer will be entitled to void the policy or reject any claim that occurred after the material change in the risk.

For this general term and condition, the term, ‘You’ includes any person acting on Your behalf.

Dual Insurance
We shall not be liable to pay more than Our ratable portion of the claim where there is any other insurance policy covering the insured item against the same event.

Jurisdiction
The policy shall be subject to the laws of the Republic of South Africa, whose courts shall have sole jurisdiction to the exclusion of the courts of any other country.

Cancellation of cover
i) The policyholder may cancel the insurance policy at any time and with immediate effect.
ii) This policy may be cancelled, at any time, by the Insurer providing the insured with 31 (thirty-one) days’ written notice.

Termination of cover
i) Multiple claims, in the event that more than 3 (three) claims are lodged, against this policy, in any 12 (twelve) month period, Your Insurer may, at its discretion, give 31 (thirty-one) days’ written notice, due to adverse claims experience.
ii) In the event of an insured item being lost or stolen and the claim being declined, for whatever reason, the Insurer will cancel the policy and will no longer collect premiums on the insured item.
iii) In the event of an insured item being damaged, and the claim being declined, the Insurer will suspend cover for Accidental, physical, or Liquid Damage until such time that proof of repair, of that particular insured item, is submitted to the Insurer.

General amendments
i) This policy may be amended or endorsed by the Insurer by giving 31 (thirty-one) days’ written notice to the insured, by issuing a written endorsement to the policy which shall apply from the date, as advised in the notice.
ii) The insured may request amendments to the policy during the period of insurance. Any such amendments shall be evidenced by the Insurer issuing an updated Policy Schedule to the insured.

Cooling-off period
You are entitled to cancel this policy, in writing, with the Intermediary, Administrator and/or Insurer, within 14 days from receipt of the policy documentation or from the date on which You received this policy documentation. You may only cancel this policy, within 14 days, where no benefit has been derived or the event insured against has not yet occurred.
All premiums paid, up to the date that the Intermediary, Administrator and/or Insurer receives Your written notice of Cancellation, will be refunded to You. Your request for Cancellation shall be with immediate effect but completed by no later than 31 (thirty-one) days after the Intermediary, Administrator and/or Insurer receives Your Cancellation instruction.

Fraud or any attempt thereof
 You will lose all rights to claim under this policy if:
- a claim is fraudulent or if You or anyone acting on Your behalf uses any fraudulent means to obtain any benefit under this policy;
- a claim occurs due to a deliberate, wilful, or intentional act committed by You, with Your involvement or anyone acting on Your behalf;
- information or documents in support of a claim, whether created by You or on Your behalf, is not true, complete or is fraudulent; or
- the quantum of a claim is deliberately exaggerated by You or anyone acting on Your behalf.

The Insurer will repudiate Your claim and cancel Your policy with immediate effect. The Insurer is entitled to recover the amount that was paid to You in respect of a claim.

Your rights
You (in this paragraph meaning the names set out in the schedule) may not cede or assign Your rights or obligations to another person, other than Your spouse and any other members of Your family (older than 18 and/or emancipated) who normally live with You, no other person may make a claim against Us.

Transfer
You may not transfer the benefits of this contract to anyone else, other than Your spouse and any other members of Your family (older than 18 and/or emancipated) who normally live with You.

Increase or decrease in value
The value of the insured item may increase or decrease from the insured value, reflected on Your schedule. Your Intermediary, Administrator and/or Insurer cannot be held accountable for the increase or decrease in value that occurs, in such circumstances. Should You wish that Your Intermediary, Administrator and/or Insurer increase or decrease the value of the insured item, it is Your responsibility to notify them of this requirement.
It remains Your responsibility to ensure that You have the correct insurance cover in place and that You are adequately insured under this policy.

Upgrade or change of insured item
It is Your responsibility to notify Your Intermediary, Administrator and/or Insurer, in writing, of the change or upgrade of Your insured item, covered by this policy. Failing to do so will result in Your claim being repudiated.

Increase in premium
The Insurer may increase the premium of Your insured item. This will be done at the discretion of the Insurer, and they will provide the required 31 (thirty-one) days’ written notice.

Time limits
a) If We reject Your claim or dispute the amount of Your claim, which decision was communicated to You in writing, You may, within 90 days from the date of Our communication, make written representation to Us.
b) If We still reject Your claim or dispute the amount of Your claim, despite Your written representation, You may institute legal proceedings against Us, within six months from the date We communicate the rejection of Your written representation to You.
c) We are not liable after 12 months, from the date of the event that gives rise to a claim, unless the claim is:
• the subject of pending court action or arbitration; or
• for amounts for which You may become legally liable.

BASIS OF INDEMNITY
At the time of loss, the claim will be paid on the replacement value of the insured item. Your Insurer, at their sole discretion, retains the right to settle any claim on the basis of the cost of repairs or replacement.

In the event that the insured item:
i) Can be repaired, Your Insurer will pay the costs reasonably incurred to restore it to its original working condition immediately before the damage occurred and will be done at the sole discretion of the Insurer.
ii) Is replaced by Your Insurer, they agree to replace the insured item with the same make and model as the insured item, unless the same make and/or model is no longer available. The Insurer will then replace the insured item with a Mobile Device, Accessory or Router of the same value and similar functions as the original insured item, at the time of loss.

INCEPTION DATE 
The policy will be incepted on the date of acceptance. 

PERIOD OF INSURANCE (Applicable for all sections of cover) 
Cover is provided for each month for which Your premium is paid to Your Insurer. The premium is payable monthly in advance for the cover that follows. All premiums must be paid, as requested, to ensure that You have continuous and uninterrupted cover for the insured item. If We do not receive Your premium, the outstanding premium will be collected in accordance with the allowed grace period. 

IF YOU ARE A CONTRACT CUSTOMER 
It is agreed, by all parties, that the premium for the insured item is debited to Your MTN Subscriber Agreement and payable in advance for the month of cover. It is important to note that the cover for the insured item is only valid while Your MTN Subscriber Agreement account is up-to-date and insurance premiums have been received for the insured item. 

IF YOU ARE A DEBIT ORDER CUSTOMER 
It is agreed, by all parties, that the premium for the insured item is debited from Your specified bank account on the requested debit date. 

GRACE PERIOD 
A grace period of 15 days is allowed for payment of the unpaid premium. If the required premium is not paid by the premium payment date, the Insurer will allow a 15 (fifteen) day grace period, from the last day of the month, during which You will still be insured. Should Your premium not be received, within the grace period (two unsuccessful collection attempts) afforded, Your cover will be cancelled with immediate effect, and Your claim (if applicable) will be repudiated. 

LIMITS OF INDEMNITY 
Upon payment of the premium and subject to terms, conditions, and exclusions of this policy, the Insurer agrees to provide cover for Your insured item for Insured Events that occur during the period of insurance, up to the maximum limit of indemnity, as indicated in the Policy Schedule. 

The insured value, of the insured item, is contained in Your schedule. The maximum value the Insurer will pay, in the event of a loss, is the insured value less Your Excess (if applicable), any dual insurance, betterment, Additional Excesses (if applicable) and/or depreciation.

WHAT TO DO IN THE EVENT OF A CLAIM 
In the event of a claim, in terms of the policy, You must do the following: 

1. Report the incident to Your Administrator, within 30 (thirty) days of the date of loss or damage to Your insured item, by phoning 083 123 6084 or emailing: mtninfo@admyntec.co.za. 
2. Supply Your Administrator, within 90 days of Your claim, with all documentation reasonably required to process Your claim or Your claim will be repudiated. 
3. As soon as reasonably possible, following a loss by theft, or Accidental loss You must report the incident to Your Service Provider and arrange for the SIM Card to be deactivated and Your Mobile Device or Router must be blacklisted. Failure to do so will lead to Your claim being rejected. 
4. In the event of a stolen or lost Mobile Device, Accessory (if applicable) or Router You must report, within 48 hours, the occurrence to the South African Police Services or to the Police Service in any other country. Documentary evidence of a police reference number must be obtained and sent to Your Administrator together with the requested claims documentation.

SPECIFIC CONDITIONS 

1. You must give all reasonable assistance in the recovery of the lost or stolen insured item and the identification thereof. 
2. The Insurer may request proof of forcible entry in the event of a break-in at Your home, office, storage facility, vehicle, dwelling, or any other building. 
3. The Insurer may request proof of forcible entry in the event of a locker, drawer, or locked storage compartment being broken into. 
4. Any insured item which is lost or stolen and has been replaced by Your Insurer and subsequently recovered becomes the property of the Insurer. 
5. In settling Your claim, the Insurer can take over the handling of the claim, in Your name, and the prosecution of any criminal action in connection with the loss or damage.

SPECIAL NOTE APPLICABLE TO ALL SECTIONS OF THE POLICY
It is important to note that the insured item is only covered whilst being used with the SIM Card encoded with the MTN cellphone number, listed on Your schedule. The policy allows for up to 2 (two) MTN numbers to be listed on the Schedule, either one of these listed numbers must be used in the insured item at all times.
You can change Your cellphone number, at any time, to another MTN number but the insured item will only be covered if Your Intermediary, Administrator and/or Insurer has been notified of the change. 

EXCLUSIONS APPLICABLE TO ALL SECTIONS OF THE POLICY (What You are not covered for) 

i) The costs of replacing, reinstating, or making good wear and tear, gradual deterioration, scratching, or other superficial damage to outer casings, or aerials.
ii) Any loss or damage during the hire or loan of the insured item to another person.
iii) Loss of or damage to the insured item resulting from theft or threat thereat from any Unattended Vehicle, unless the vehicle was locked, and the insured item is concealed in the cubby hole or boot. Any such loss must involve forcible and violent entry into the vehicle.
iv) Loss or damage to the battery, other than when it is stolen or lost together with the insured item.
v) Loss or damage arising from the insured item being Unattended whilst being charged.
vi) Consequential Loss of any kind whatsoever.
vii) Loss or damage arising from the insured item being left Unattended in a public place, place of recreation, office, mall, or social occasion where it is vulnerable for easy removal or damage.
viii) Loss or damage arising from the insured item being left Unattended when unknown persons or 3rd parties are in Your home, office, or similar area.
ix) Loss or damage arising from the insured item being removed from Your locked home, office, or similar area, unless accompanied by forcible entry into the area.
x) Loss of Your SIM Card, involving theft, must involve theft of the insured item.
xi) Loss of or damage to the insured item arising from or contributed to by gross negligence or willful conduct by yourself.
xii) Loss or damage to the insured item arising from a willful act, carried out by any person known to You.
xiii) Loss or damage to the insured item arising from a manufacturers defect.
xiv) Loss, damage, or defect to the insured item that is covered under the manufacturer’s warranty.
xv) Loss or damage to the insured item, caused by electronically conveyed viruses.
xvi) Loss or damage to the insured item arising from remote jamming devices.
xvii) Loss or damage to the insured item arising from any unauthorised repairs or as a result of bad workmanship by an unauthorised repairer.
xviii) Any loss, damage or legal responsibility which is directly or indirectly caused by, contributed by, results from, relates to, arising out of or in connection with, any of the following:
1. Riots, wars, political acts, public disorder, terrorism, or any attempted acts of this kind:
1.1 Civil commotion, labour disturbances, riot, strike, lock-out or public disorder or any act or activity which is calculated or directed to bring about any of the above.
1.2 War, invasion, act of foreign enemy, hostilities, or warlike operations (whether war be declared or not), or civil war.
1.3 Mutiny, military rising or usurped power, martial law or state of siege, any other event or cause which determines the proclamation or maintenance of martial law or state of siege, insurrection, rebellion, or revolution.
1.4 Any act (whether on behalf of an organisation, body, person, or group of persons) calculated or directed to overthrow or influence any state or government or any provincial, local, or tribal authority with force or by means of fear, terrorism, or violence.
1.5 Any act calculated or directed to bring about loss or damage to further any political aim, objective or cause, to bring about any social or economic change, in protest against any state, government, provincial, local, or tribal authority, or for the purpose of inspiring fear in the public or any section thereof.
1.6 Any attempt to perform any act referred to in the General Exclusions 1.4 or 1.5 above.
1.7 The act of any lawfully established authority in controlling, preventing, suppressing or in any other way dealing with any event referred to in any other way dealing with any event referred to in any of the General Exclusions 1.1 to 1.6 above.
1.8 Any act of terrorism. An act of terrorism means the use or threat of violence for political, religious, personal, or ideological reasons. This may or may not include an act that is harmful to human life. It could be committed by any person or group of persons, acting alone, on behalf of or with any organisation or government. It includes any act committed with the intention to influence any government or inspire fear in the public.

2. Nuclear substances
Nuclear weapons material, ionising radiations, or contamination by radioactivity from any nuclear fuel, from any nuclear waste, or from the combustion of nuclear fuel, which includes any self-sustaining process of nuclear fission.

3. Nationalisation
Nationalisation, confiscation, commandeering, requisition, willful destruction, forfeiture, attachment, impounding, seizure or preservation or any similar actions or processes by any court order, customs officials, police, crime prevention units, or lawfully constituted authority or officials.

SPECIAL NOTE REGARDING DUE CARE AND PRECAUTION
At all times You must take reasonable steps to safeguard the insured item from loss, damage, or theft.

SIGNING OF BLANK OR UNCOMPLETED FORMS
You may not sign any blank or partially completed forms and documents in relation to the policy. Where information is required to be completed, all forms and documents must be fully completed with the required information. Should such information be left blank or partially incomplete, the forms or documents may not be accepted.

IMPORTANT CONTACT NUMBERS
083 123 6084 for any queries, amendments, or claim related matters.

DISCLOSURE REQUIREMENT IN TERMS OF SECTION 4 TO 7 OF THE GENERAL CODE OF CONDUCT OF THE FINANCIAL ADVISERS AND INTERMEDIARY SERVICES (FAIS) ACT, No 37 OF 2002

The purpose of this document is to provide You with key information that You should know before proceeding with the policy. As a policyholder You have the right to the following information: For the purpose of this document, FSP = Financial Services Provider, as defined in the FAIS Act.
 

WWAS accepts full responsibility and accountability for the intermediary services rendered by Admyntec Services (Pty) Ltd (“ATS”). ATS is a Juristic Representative of WWAS, who is authorised to render intermediary services on behalf of WWAS. The specific financial products are noted in the Juristic Representative Agreement.

In terms of the FAIS Act the FSP is obliged to document a complaint’s resolutions process. We have implemented a complaints resolution process, which is available, for Your perusal, should You require such. Please contact our office should You wish to obtain more detailed information in this regard or refer to www.wwas.co.za.

Conflict-of-Interest Policy – should a material conflict-of-interest arise, as intended in the FSP’s conflict-of-interest policy, this will be disclosed to You at the earliest opportunity. The said policy is available upon request, or You can refer to www.wwas.co.za.

Additional Disclosures
MTN (Pty) Ltd: Offers MTN Device, Cyber SIM & Router Insurance, underwritten by Santam Limited, an authorised financial services provider (FSP 3416), a licensed non-life insurer and controlling company for its group companies;
MTN undertakes, on behalf of Santam Limited, the collection of premiums for post-paid customers;
Is exempt, in accordance with FSCA FAIS Notice 16 of 2021, from section 19(3) Audit Report and Liquidity Requirements;
Does not hold more than 10% of Santam Limited’s shares (the product supplier) nor any other financial interest in Santam Limited;
Does not receive more than 30% of total remuneration, including commission, from Santam Limited;
A complaints resolution process has been implemented and a conflict-of-interest policy is available for Your perusal, upon request.

Name of Binder Holder
 

Conflict of Interest:
Legal status and any interest in the Insurer
WWAS has no direct financial interest in the Insurer and receives less than 30% of its total income from the Insurer.

Complaint Procedure:
Customer satisfaction and retention of Your business is important to us. We appreciate the effort You take in bringing a problem to our attention and are committed to the prompt and fair resolution of any complaint. We would appreciate it if You would refer initial problems to Your client service consultant or their superior. If You do not receive a satisfactory resolution, please do not hesitate to lodge a complaint with our compliance office. Our complaints framework and conflict of interest policy can be obtained from www.wwas.co.za.

Claims Procedure:
The procedures for the submission of claims are detailed in the policy wording in the sections of the policy headed ‘GENERAL TERMS AND CONDITIONS’. In the event of a possible claim, You must notify the binder holder and/or the Insurer as soon as possible. The contact details of the binder holder and/or Your Insurer are detailed below. In the event of a claim, You will be required to supply the following:
- Details of the event, unless otherwise instructed.
- Information and proof in support of the claim.
- Documents or details of any communication in connection with the claim.

You must make no admission, statement of liability or offer to any third party. Claims resulting from loss, theft or malicious damage must be reported to the police. You must notify the Insurer immediately, once You become aware of any impending prosecution. In the event of a claim, You may become responsible for an Excess.

 

ADDITIONAL DISCLOSURES
The following details reflect the contractual relationship between the Parties:
1. The Intermediary is an FSP, authorised by the Insurer to render financial services in respect of Santam Limited Personal and Commercial Lines policies, within the ambit of the Intermediary Agreement.
2. The Binder Holder is mandated to provide binder functions (enter into, vary or renew policies; determine policy wording, premiums and the value of policy benefits; and settle claims) on behalf of the Insurer.
3. The Intermediary and the Insurer do not have any common shareholding.
4. Admyntec Services (Pty) is a Juristic Representative of the Intermediary, the Intermediary holds a 33% shareholding in the said company.
5. The Intermediary holds Professional Indemnity Insurance.
6. Legal status and interest in the Insurer, WWAS has no direct financial interest in the Insurer and it receives less than 30% of its total income from the Insurer.
7. As an authorised FSP the Intermediary may not request or induce, in any manner, a client to waive any right or benefit conferred on the client by or in terms of any provision of the General Code of Conduct, or recognise, accept, or act on any such waiver by the client.
8. You must be aware of the possible consequences of misrepresentation, non-disclosure of a material fact, or the inclusion of incorrect information.
9. Upon request You will be supplied with a hard copy, written, or printed record of any transaction requirement, within a reasonable period time.

IMPORTANT - PLEASE READ
The benefits of the product offered are detailed in the Policy Schedule and the premium for the product is as stated in the said document. Binder agreement fees and commission earned are stated above. You are entitled to cancel this contract within a period of 14 days, after inception, should You decide that the product does not meet Your requirements.

Complaints procedure
The Intermediary is committed to the prompt and fair resolution of any complaint lodged in respect of our rendering of a financial service. Should You wish to obtain a copy of our Complaints Management Framework, kindly contact our Compliance Officer at the particulars provided in this notice. Should You be dissatisfied with any aspect of Your insurance contract You may state Your case to the complaints department of the FSP or the client care department of the Insurer.

Should a complaint which pertains to advice or intermediary services provided after the 1st of October 2004, not be resolved within 6 weeks, or You are not satisfied with the resolution decision, You have the right to refer the matter to the Ombud for Financial Services Providers – You have 6 months in which to do this.

If You require advice on complaints in respect of claims or other matters which have not been satisfactorily resolved, You may contact the Short-term Insurance Ombudsman.

Ombudsman for Short Term Insurance
Physical Address: 110 Oxford Road, First Floor, Houghton Estate, Johannesburg 2196
Postal address: PO BOX 32334, Braamfontein, 2017
Contact details: 011 726 8900
Fax:011 726 5501
E-mail: info@osti.co.za
The Ombudsman is available to advise You in the event of claims which are not resolved satisfactorily by the Intermediary and/or Insurer.

Ombud for Financial Services Providers
Physical address: Menlyn Central Office Building, 125 Dallas Avenue, Waterkloof Glen, Pretoria, 0010
Postal address: PO Box 41, Menlyn Park, 0063
Contact details: 012 762 5000
E-mail:info@faisombud.co.za
Web address: www.faisombud.co.za
If any complaint pertains to advice given and/or intermediary services rendered to You and was not resolved, to Your satisfaction, You can contact the above Ombudsman.

Particulars of the Registrar of non-life insurance (Financial Sector Conduct Authority)
Name: Financial Sector Conduct Authority (FSCA)
Postal address: P.O Box 35655, Menlo Park, 0102
Contact details: 012 428 8000
Fax: 012 346 6941
Contact centre: 080 020 3722
Email: info@fsca.co.za
Website: www.fsca.co.za

Treating Customers Fairly
This product has been created to meet the needs of Our clients. The Treating Customers Fairly (TCF) framework principles are viewed seriously by the Insurer and all 6 (six) outcomes, as stated below, are practiced at all times. We will, with all Our interactions with any customer, endeavour to deliver excellent customer experiences which We will achieve through the ongoing review of all Our business practices and analysis of complaints. It is Our objective to be fair in Our treatment of all consumers and partners and being compliant, in all aspects, of the 6 (six) outcomes of the TCF framework. These outcomes are:
• You are confident that Your fair treatment is key to Our culture;
• Products and services are designed to meet Your needs;
• We will communicate clearly, appropriately and on time;
• We provide a financial product suitable to Your needs and circumstances;
• Our products and services meet Your standards and are of an acceptable level; and
• There are no barriers to access Our service or to lodge any complaints.

Section 21 of the General Code of Conduct
The Code of Conduct provides that no provider may request or induce, in any manner, a client to waive any right or benefit conferred on the client, by or in terms of, any provision of this code, or recognise, accept or act on any such waiver by the client, and any such waiver is null and void.

Conflict of Interest
We have considered the conflict of interest provisions in terms of the FAIS Act 37 2002 and have not identified any actual or potential conflicts of interest, either ownership interest, financial interest, third party relationships, associates or distribution channels, as defined. We adopt a values-based approach where the spirit of the legislation is embraced. This is reviewed at least once a year in consultation with an external independent compliance practitioner. A conflict of interest management policy is available to clients, on our website or upon request.

Processing of personal information in terms of The Protection of Personal Information Act 4 of 2013
Your privacy is of utmost importance to the Intermediary, Administrator and/or Insurer. We will take the necessary measures to ensure that any and all information, including personal information (as defined in the Protection of Personal Information Act 4 of 2013) provided by You or which is collected from You is processed in accordance with the provisions of the Protection of Personal Information Act 4 of 2013 and further, is stored in a safe and secure manner.
You hereby agree to give honest, accurate and up-to-date personal information and to maintain and update such information when necessary.

You accept that Your personal information collected by the Intermediary, Administrator and/or Insurer may be used for the following reasons:
1. to establish and verify Your identity in terms of the applicable laws;
2. to enable the Intermediary, Administrator and/or Insurer to fulfil its obligations in terms of this policy;
3. to enable the Intermediary, Administrator and/or Insurer to take the necessary measures to prevent any suspicious or fraudulent activity in terms of the applicable laws; and
4. reporting to the relevant regulatory authority or body, in terms of the applicable laws.

You acknowledge that any personal information, supplied to the Intermediary, Administrator and/or Insurer in terms of this policy, is provided according to the applicable laws.
Unless consented to by yourself, the Intermediary, Administrator and/or Insurer will not sell, exchange, transfer, rent or otherwise make available Your personal information (such as Your name, address, email address, telephone, or fax number) to any other parties and You indemnify the Intermediary, Administrator and/or Insurer from any claims resulting from disclosures made with Your consent.

You understand that if the Intermediary, Administrator or Insurer has utilised Your personal information contrary to the applicable laws, You have the right to lodge a complaint with the Insurer, within 10 (ten) days. Should the complaint not be resolved, to Your satisfaction, You have the right to escalate the complaint to the Information Regulator:
Physical address: 33 Hoofd Street, Forum III, 3rd Floor Braampark, 2017
Postal address: P.O Box 31533, Braamfontein, Johannesburg, 2017
Telephone number: 010 023 5200
Email address: complaints.ir@justice.gov.za
Website: www.justice.gov.za

Disclosure and processing of Personal Information
“Personal information” — means information relating to You, such as, gender, date of birth, identity number, entity details, online identifier, social media profile, biometric information (such as signature, fingerprint or voice) e-mail and physical addresses, location information, medical and health information, occupation, employment information, financial information, credit risk, tax and VAT information, claims and insurance history, criminal history, assets and liabilities.
In terms of the Protection of Personal Information Act, 4 of 2013, personal information provided and obtained is mandatory in order to issue this policy and is collected, held and processed to improve the service provided to You and to provide You with access to Our services and products.
Santam, Our authorised agents, advisors, business partners and service providers/contractors may collect personal information from You directly, from Your usage of Our products and services, from Your engagements and interactions with Us or from public sources, shared databases and third parties. Personal information will not be shared with service providers that may be abroad unless where necessary or where required under certain conditions and where security measures are in place to protect the Personal Information.

The Insurer may use Your information or obtain information about You for the following purposes:
- Underwriting, assessing the risk, determining the premium and the policy terms
- Assessment, investigation and processing of claims
- Credit searches and/or verification of Personal Information
- Claims checks
- Fraud prevention and detection
- Market research, statistical analysis and surveys
- Audit & record keeping purposes
- Verification of Your identity
- To comply with an obligation imposed by any law on Us.

The personal information may also be shared with service providers engaged to process such information on Our behalf or service providers who render services to Us. The Insurer may collect, retain, process and verify Your personal information, insurance and/or claim information.

You acknowledge that any personal information collected may be stored in a shared database and used for any decision pertaining to the continuance of this policy or any claim submitted. You acknowledge and understand that any personal information may be given to any insurer or its agent and Our authorised agents, advisors, business partners and service providers or contractors.

You acknowledge that the information may be verified against legally recognised sources or databases.

The Insurer will retain the personal information for so long as required or entitled by law, after the termination of this policy and as such, this consent clause will remain in force even after this policy has been terminated. You may request details of Your personal information that is held by the Insurer and You may also request that any errors be corrected.
To view Santam’s full privacy statement, please visit their website on www.santam.co.za

Fraud
If You become aware of any irregularity on any policy (irrespective of who the insurer is) You can contact the Insurer’s fraud line on 0860 600 767, where Your call will be received in confidence.

CONFLICT OF INTEREST DISCLOSURE
The Insurer has considered the conflict of interest provisions, in terms of the FAIS Act 37 2002, and has not identified any actual or potential conflicts of interest, either ownership interest, financial interest, third party relationships, associates or distribution channels, as defined. The Insurer adopts a values-based approach where the spirit of the legislation is embraced. This is reviewed at least once a year in consultation with an external independent compliance practitioner and reported to the FSCA. A conflict of interest management policy is available to clients on Our website or upon request.

WRITTEN MANDATE TO ACT ON BEHALF OF INSURER
This certifies that the Insurer has granted a mandate to the Administrator to represent the Insurer, accept business on their behalf and in turn will receive a binder fee.