Terms of Use

Your voluntary use of the Prime Meridian Direct (Pty) Ltd website (“the website”) and its various services are subject to certain Terms and Conditions which are detailed hereunder. By accessing and using the website you acknowledge and agree to be bound by the Terms and Conditions set out herein.

The website is not intended for the use by any persons under the age of 18 and by entering the website you thereby declare that you are over the age of 18.

Prime Meridian Direct (Pty) Ltd (“PMD”) may make amendments / changes to the website, the products (and their associated terms and conditions), the various services, the information described and to these Terms and Conditions, at any time without notice.

Should there be any difference or discrepancy between the information on the website and the information contained in PMD’s policy documents, the latter shall be applied and take precedence.

Any changes shall take immediate effect upon posting to the website. By accessing the website the user is bound by the version of the Terms and Conditions published at the time of the visit and PMD makes no commitments to update the website and may discontinue any part thereof at its own discretion.

Submitting a request via this website may result in a telephone call from one of our Tele Assistants. Kindly treat the Tele Assistants who will place the call to you with respect. They are completely committed to providing you with a friendly and quality service.

In accordance with the Consumer Protection Act, No. 68 of 2008, we advise our visitors about “The DMA Don’t Contact Me Database”. To add your details to this database – SMS “DMA”, followed by your ID number (this is essential), to 31484. Standard SMS rates apply. Registering on this database will prohibit members of the DMA (Direct Marketing Association of South Africa) to contact you.

PMD shall endeavour, as far as is practicable, to maintain the availability and accessibility of the website. However, PMD takes no responsibility for and will not be liable for the website being temporarily unavailable or inaccessible for any reason.

You agree to defend, indemnify and hold PMD, its officers, directors, members, employees, agents, licensors and suppliers harmless from and against the following which includes (but is not limited to) any claims, damages, actions, losses or liabilities including without limitation, loss of profits, direct, indirect, incidental, special, consequential and any reasonable legal and/or accounting fees resulting from inter alia (i) the access to, the use of, or browsing of the website (ii) downloading of any materials, data, text, images, video or audio from this Website, and/or (iii) viruses, bugs, software/program malfunctions, errors, failures, delays in computer transmissions or network connections.

The website has not been constructed, compiled or supplied to suit the needs of any particular user or user group. The user is under an obligation prior to making use of any of the website’s services or information, to satisfy him or herself that it meets their particular needs, requests or requirements.

The website is provided to the public as a whole and the information contained therein is provided without warranty of any kind, expressed or implied, including (but not limited to) any implied warranties of reliability, fitness for any particular purpose and/or freedom from errors and inaccuracies.

PMD will make all reasonable efforts to ensure that all material and information on this site is accurate and up to date but cannot guarantee the correctness or completeness thereof.

All information and materials contained in this website are provided to you “as is”. The website and all its information and services should not be treated as professional, financial or investment advice of any kind.

These Terms and Conditions will be exclusively governed by and interpreted in accordance with the laws of South Africa whose Courts will have exclusive jurisdiction in any dispute.

This site contains copyright and other intellectual property including wording, logos and other graphics and multimedia works that are the property of or licensed to PMD.

You may only use this website to browse the content, enter legitimate information and shall not use this site for any other purposes, including without limitation, to enter any, false or fraudulent information. This site and the content provided in this site may not be copied, reproduced, republished, uploaded, posted, transmitted or distributed. Deep-linking, embedding or using analogous technology is strictly prohibited. E-mail addresses, names, telephone numbers and fax numbers on the PMD website may not be incorporated into any database used for electronic marketing or similar purposes.

Unauthorized use of this website and/or the materials contained on this site may violate applicable copyright, trademark or other intellectual property laws or other laws.

The user is authorised to view and download a copy to a local hard drive or disk, print and make copies of such printouts, provided that:

The material is used for personal and non-commercial purposes.

Any reproduction of our proprietary material from this site or a portion of it, must acknowledge PMD as the source of the material and PMDs’ contact details must be reflected accordingly.

Nothing on this site should be construed as granting any license or right to use any trademark, copyright or wording without PMDs’ prior written permission and/or that of relevant third parties as the case may be.

The user may not, without PMDs’ prior written permission, use or plagiarise PMDs’ intellectual property (or anything that might be construed as PMD’s intellectual property) or that of any third parties for any purposes whatsoever.

PMD has the right, but not the obligation, to monitor any activity and content associated with the website. PMD may investigate any reported violation of these Terms and Conditions or complaints and take any action that it may deem appropriate (which may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access and/or removing any materials from the website).

The website may use cookie and tracking technology depending on the features offered. Cookie and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to the website, and understanding how visitors use the website. Cookies can also help customize the website for visitors. Personal information cannot be collected via cookies and other tracking technology; however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.

Any third-party links are not under the control of PMD. Consequently, PMD is not responsible for the content of such third-party links. PMD makes no representation or warranties as to the truth or accuracy of information found on such third party links nor does PMD necessarily agree with, edit or sponsor any of the content of such third party links.

Users may participate in discussions, contribute to a discussion forum and blog or other social media communication platforms associated with the website.

By participating, you agree that the liability for such content rests with you as the originating user. PMD does not control, monitor nor enforce editorial control over such content. PMD does however retain the right but not the obligation to remove any material from any such forums, blogs, or social media platforms which it deems inappropriate, is illegal, of an infringing nature, or is the subject of a complaint.

Users hereby license PMD to publish, use, sub-license, distribute, amend, update and store any and all material posted to the forum, blog or other social media communication platform;

PMD shall not be liable for any damage, loss, liability and/or harm incurred by any person if such harm to the user or third party results from a user’s posting to such platforms;

PMD does not necessarily endorse, encourage or agree with comments, opinions, or statements posted on such platforms. Any content posted including advice and opinions are the views and responsibility of those who post the statements and do not necessarily represent the views of PMD.

Users waive all moral rights that may attach to material posted to such platforms.

PMD respects your privacy and the confidential nature of your personal information and will ensure same is used appropriately, transparently and according to applicable law.

In terms of the Protection of Personal Information (“POPI”) Act you are notified that the information provided and obtained through your use of this website will be held and processed by PMD, its affiliated Insurers, reinsurers, UMA’s and administrators.

PMD collects and processes your personal information mainly to help us to improve our service to you and to provide you with access to the services and products of the affiliated Insurers, reinsurers, UMA’s and administrators with whom we have contractual agreements in place.

When submitting any personal information, the information that we receive from you will be used only for the purpose for which the information is requested and to enable PMD to comply with its obligations or to comply with any legal requirement. This use may include:

Providing products or services to you and to carry out the transaction you requested:

For underwriting purposes;

Assessing and processing claims;

Confirming and verifying your identity;

For purposes of claims history;

For the detection and prevention of fraud, crime, money laundering or other malpractice;

Conducting market or customer satisfaction research;

For audit and record-keeping purposes;

In connection with legal proceedings;

Providing you with communications in respect of PMD and regulatory matters that may affect you.

In addition to the aforesaid, by submitting your information you authorise PMD, it’s affiliated Insurers, reinsurers, UMA’s and administrators to use your personal information for current and future marketing campaigns, initiatives and programs allowing us to communicate with you about new products and services as they develop.

With your consent, we may also supplement the information that you provide to us with information we receive from other affiliated Insurers, reinsurers, UMA’s and administrators in order to offer you a more consistent and personalised experience in your interactions with us.

PMD’s affiliated Insurers, reinsurers, UMA’s and administrators are subject to the same privacy regulations as PMD is subject to.

PMD will never disclose your personal information to any other company or organisation unless we are required to do so by law or where it is in the public interest that such disclosure is necessary or where you have expressly authorised us to do so.

The POPI Act requires PMD to adequately protect the personal information it holds and to avoid unauthorised access and use of your personal information. PMD will continuously review our security controls and processes to ensure that your personal information is secure.

If PMD needs to transfer your personal information to another country for processing or storage it will ensure that any party to whom it passes your personal information onto will treat your information with the same level of protection as required from PMD.