Terms and conditions for MyOUTsurance client portal
In this agreement the words below shall mean:
This agreement is a binding agreement between you (client or non-client) and us. This agreement sets out the Terms and Conditions governing your use of the services provided for through the client portal, so it is vital that you read it carefully.
By clicking on the "REGISTER" and/or "CONFIRM" button, you acknowledge that you have read, understand and agree to these Terms and Conditions and that OUTsurance may process and share your personal information with 3rd parties for the purposes of providing you with the client portal services. You further consent that we may send you promotional material or details about our products and services which we think may be of interest to you.
The use of this client portal and associated services shall not be available to any persons under the age of 16.
MyOUTsurance client portal services
Once you have registered to access the client portal you will have access to the following services. Please note that not all of the services are available to our Namibian clients.
Refer and earn
The referrals service is only available to clients and staff members.
The quote request service is available to clients; non-clients and staff members.
In order to access this service you will be requested to verify your contact details before you can proceed with the request for a quote. Please ensure that your contact details are correct and up to date.
The contact me service is available to clients and non-clients.
The contact me option allows non-clients to request a quote from OUTsurance.
The contact me option also allows clients to request amendments and/or additions to existing facilities. These requests can only be done for one product at a time.
In order to access this service you will be requested to verify your contact details.
In order to make use of the click-to-call functionality when viewing the MyOUTsurance client portal, you will need a smart phone that is able to dial us directly. Alternatively, you can request a quote, once a request has been received by OUTsurance to contact you. OUTsurance will endeavour to process the request within a reasonable time and as soon as possible, within business hours.
You are not permitted to use any of our logos, trademarks, slogans or any other device or form of intellectual property belonging to us in general and in particular relating to the services provided through the client portal.
You may not copy, reproduce, display, reverse engineer or use any intellectual property in any manner whatsoever without our prior written consent.
Unauthorised or unlawful use of our intellectual property will result in us taking legal action you.
Amendment of agreement
Termination of agreement
We can terminate this agreement at any time or end your right to use the services provided through the client portal upon providing you with reasonable notice. This will not affect instructions given to us whilst using the services available through the client portal before the agreement has ended.
We reserve the right to terminate your right to use the services provided through the client portal should any one or more of the following events occur:
You agree that we can provide information about the products or services offered through the client portal or this agreement by any means, including but not limited to publishing a notice on itself or using electronic means, including SMS or email.
Every clause of this agreement is severable from the others including the clause headings. The clause headings have been inserted for convenience and will therefore not be taken into consideration in its interpretation. If one or more of the clauses are invalid it will not mean the entire agreement is invalid and as such the rest of the clauses contained in the agreement will still be valid and apply.
Personal information for the purposes of this document means all information specific to you, which is provided to us through the use of the client portal. In other words, information that identifies you. This includes but is not limited to the following personal information:
By using any of the services on our app you hereby consent that we may send you promotional material or details which we think may be of interest to you.
Please note that you will not be allowed to use the services unless you consent to us using your information for marketing purposes in the future.
Your privacy is important to us. We will therefore not sell, rent or provide your personal information to unauthorised entities or other third parties, for their independent use, without your consent.
If at any stage, after you have given us your consent, you no longer wish that we use your personal information, you may at any stage withdraw your consent by uninstalling the app from your mobile device and notify us either telephonically or by email of the withdrawal of your consent.
We have the highest regard for the privacy of the personal information obtained through the use of this service, and therefore will only use the personal information obtained subject to the Terms and Conditions of this agreement and for the purpose for which it was collected and only for the purposes of positively identifying the user when the client portal is accessed as well as in order to quote you.
We value the information you chose to provide and which we collect from you and will take reasonable steps to protect your personal information from loss, misuse or unauthorised alteration.
The information we maintain concerning you is stored in databases that have built-in safeguards to ensure the privacy and confidentiality of that information.
In this regard however, we cannot guarantee the security of any personal information that you disclose through our app. You therefore accept the inherent risk of providing information when using our app and will not hold us, our directors, employees or agents responsible for any breach of security.
The following are the instances when we will be entitled to disclose the personal information obtained from you:
By using the client portal you acknowledge and agree to the following Disclaimer.
Use of the client portal and the related products and/or services shall be governed by, and construed in all respects in accordance with the laws of South Africa, and subject to the exclusive jurisdiction of the South African courts. The content on our web or client portal is not provided for or intended for the use of customers and/or users outside the jurisdiction of South Africa except for our clients in Namibia who have registered to use the client portal.
Use of the client portal or the information, products and services available on this OUTsurance app is at the user's own risk. Notwithstanding the provisions of sections 43(5) and 43(6) of the Electronic Communications and Transactions Act, we accept no liability whatsoever relating to any loss, expense, claim or damage, whether direct, indirect or consequential, arising from the use and/or reliance upon the information on the client portal or any actions or transactions resulting there from even if we have been advised of the possibility of such loss, expense, claim or damages.
The services offered on our web or through the client portal may allow you to view or access or make reference to third party's products or services. Even though we make reference to third party's products and services, we do not endorse or recommend the third party's products and services. You are responsible for deciding whether these third party's products or services meet your requirements. You are responsible for obtaining the Terms and Conditions that are applicable to the third party's products or services.
We also do not endorse, warrant or make any representations about the content, products, services, security or reliability of such other products and services.
Please note we have no control over such third parties products or service. We are therefore not responsible for any loss or damage you suffer, whether directly or indirectly because of a third party's products or services or the use of such products or services. You hereby agree to indemnify us and hold us harmless for any loss, expense, claim or damage, whether direct, indirect or consequential, arising from or that you may suffer, or cause in this regard.
We are not responsible for any error or delay that may arise as a result of you being unable to access the services due to error on your equipment, software or services provided to you by third parties.
Whilst we will at all times use our best efforts to ensure that our web and client portal operates as it was designed by us, we cannot warrant that the services are compatible with, or will operate with your device and/or any software that you use.
We make no representation or warranty, whether express or implied, as to the operation, integrity, availability or functionality of our web or client portal or as to the accuracy, completeness or reliability of any information contained on the our web or client portal.
We also make no warranty or representation, whether express or implied, that the products, information or files available through our web or client portal are free of viruses, destructive materials or any other data or code which is able to corrupt, compromise or jeopardise the operation or content of your device, network or your hardware or software. You accept all risks associated with the existence of such viruses, destructive materials or any other data or code which is able to corrupt, compromise or jeopardise the operation or content of your device, or your hardware or software.
We accept no responsibility for any errors or omissions on our web and client portal.
We may, in our sole discretion, at any time, suspend or terminate the operation of our web or client portal or any of the products or services provided through it, without prior notice. We may also at any time discontinue or disable certain parts of the services available for the purposes of maintenance or upgrades or other causes beyond our control. In the event that these service channels are unavailable as stated, we request that you call our contact centre in order to make necessary changes or make queries on your policy.
All rights remain reserved.
C. OUTsurance refer a friend brochure
By referring someone to us through our website, app, contact centre, MyOUTsurance client portal or USSD method, you agree to the Terms and Conditions explained below.
These Terms and Conditions will apply to all referrals submitted for Personal or Business OUTsurance, OUTsurance Life, OUTsurance Essential Life and OUTsurance Namibia.
The Referee is the person that you referred to OUTsurance who is interested in taking out insurance cover with us and such a person should not already have an active quote i.e. where the person has been quoted with us in the last 30 days. Once you agree to the Terms and Conditions you will be able to refer a certain amount of referrals to us per day and per month. We will notify you once you have reached your daily or monthly referral limit.
When you refer someone to OUTsurance via the website, MyOUTsurance client portal or app, they accept an insurance facility with us and we have collected R1000 in premiums from them, we’ll discount your premium balance by R1000. But if you refer someone through our contact centre you won’t come out empty handed, you’ll still receive a premium discount of R400. Which means that you’ll save either R1000 or R400 on the premium collection to which your discount is allocated.
Once you have successfully referred a referral to us, the referee must accept an insurance policy with us. Once we have collected R1000/R400 in premium from the referee's insurance policy and 15 days have passed since the full R1000/R400 has been cashed, we will then allocate the R1000/R400 to your discount balance. Should the referee's premium reject or reverse before the 15-day period, you will not be entitled to the R1000/R400 discount.
Once the R1000/R400 is in your discount balance, the discount will be allocated to your subsequent insurance premium collection/s. The discounted premiums are applicable to both monthly and annual policies.
Where reference is made to R1000/R400 above, it will refer to N$1000/N$400 for our Namibian clients.
We will do a search to see where you are noted on an insurance policy. The search will be done in the following order:
The discount in your discount balance will be applied to the policy/ies where we first find you noted as per the order provided for above.
The discount applied to the premium on your policy might include discount that is applicable to other people who are covered on your policy and who have submitted successful referrals.
If you are noted as a contact person, member, regular driver, risk owner, Life OUTsured or beneficiary on a policy where the policy holder is a staff member of ours, any discount available in your discount balance will not be allocated to that policy. If we do not trace you within 30 days from date of discount allocation as one of the people noted above on another active policy, which is not a staff policy, you will lose all discount available in your discount balance.
Should your available discount amount be more than your premium which is due to be collected on your policy, the amount of premium to be collected will be R0/N$0 and any remaining discount will remain in your discount balance for allocation to the following premium collections on your policy/ies.
Should your discounted premium not be collected on the premium collection date due to insufficient funds or incorrect banking details, the discount will not apply to the resubmission of that premium. The full monthly or annual premium will therefore be resubmitted without any discount allocated to the collection/premium. The discount will however go back to your discount balance to be allocated on subsequent premium collections.
The discount allocated to your premium is subject to VAT.
The VAT will be charged once the discount has been allocated to your premium collection.
The VAT calculation applies to all short term insurance premiums.
VAT however will not be calculated on Life insurance premiums as Life insurance premiums are not subject to VAT.
The discounted insurance premium will have no impact on your OUTbonus amount and will therefore not impact on your projected amount.
A Statement of Discount may be provided to you at your request.
Cancellation of policy or risk and the effect on discounted premium
Should you cancel your policy or a risk on your policy or should you be covered on someone else's policy and the cover is cancelled, the discount that you have in your discount balance will be available for 30 days from date of cancellation. If you do not reinstate your cover or sign up new cover with us within 30 days, you will lose your discount balance.
Refund of premium in respect of cancellation of policy or risk on cover
Should you cancel your policy or a risk from your policy, we will only refund premiums that we have collected per product. Therefore, should we have collected no premium or only a part of the premium for that insurance product after the referral discount was applied, you will only receive a refund in the amount that we collected from you subject to any pro-rata adjustment that is applicable. Any discount amount that needs to be pro-rated, if applicable, will be placed back into the discount balance to be applied in the event that you decide to reinstate cover within the 30 days from the date of cancellation.
Service Provider Connect:
Only authorised financial services providers are allowed to give advice or to provide financial intermediary services.
No referrer is allowed to give advice or intermediary services in respect of any financial service including but not limited to insurance, to prospective policy holders or act as an in-between insurance agent in any way.
Insurance law prohibits inducement and therefore no Referrer may offer a referee an incentive to become a policy holder with us. Therefore a referrer may not bring any prospective policy holder under the impression that he/she may be obliged in any way to take out a policy with us.
You must always act in accordance with the Terms and Conditions as set out above.
We will not be liable for any illegal or unlawful actions or misrepresentations made by the Referrer to the Referee in respect of this service or any OUTsurance product. The referrer is not mandated to act as a representative, agent or authorised to incur any obligations or liabilities on our behalf or to give any warranties, representations or undertakings of any nature on our behalf.