Terms and Conditions

These terms and conditions shall apply to you if you use our VECARE app. They must be read together with the Disclaimer and Privacy Policy which appear later in this document:

This agreement is a binding agreement between you as the user and us. This agreement sets out terms and conditions governing your use of the services provided for through the VECARE app, so it is vital that you read it carefully.

If you are uncertain and do not agree with the terms and conditions, privacy policy, disclaimer or other annexures that should be read in conjunction with these terms and conditions, then you should not accept them. Please note that we will only be able to provide you with the services in the event that you have accepted the terms and conditions of this agreement by clicking on the "SUBMIT" button when registering with us. By clicking on the "SUBMIT" button you further hereby consent that we may send you promotional material or details about our products and services which we think may be of interest to you. You accept that the aforementioned promotional material or details about our products and services will be provided whilst the app is installed on your device and you can only opt out of receiving such material by specifically removing this app from your device

When you download and register the VECARE app on your device you will immediately be bound to these terms and conditions. Do not register or use the VECARE app if you do not agree to be bound to these terms and conditions.

VECARE grants you the right to install and use the VECARE app on a single device that you control for the sole purpose of accessing the available services.

You are responsible for ensuring that your mobile device is capable of downloading the VECARE app. No fee is payable by the user for the downloading of the VECARE app. You are however responsible for paying all charges and costs of the network service provider that you incur when using the service channels, i.e.: data charges.

To ensure that the VECARE app operates correctly you must use the recommended hardware and software. The VECARE app has been designed to operate with your mobile device according to the manufacturer's specifications. Modifying the device or its operating system may result in the VECARE app not operating properly or at all.

The app caters for Android version 4 and up, as well as iOS version 7.1.2 and up. Older versions may experience difficulties or have limited app usage available.

You must also check for software updates regularly as these may contain certain important updates for the functioning of the VECARE app.

It shall be your responsibility to delete or remove the VECARE app from your mobile device if you transfer or sell your mobile device to a third person and we will not be held liable for any loss or damages should you fail to do so.

The right to use the VECARE app is revocable, should we deem it necessary and appropriate.

We have the right to amend or add new terms and conditions for the use of the service channels or value add services at any time. Whenever we materially change this agreement we will electronically update this agreement, the privacy policy, the disclaimer and the other annexures that are applicable. We will notify you of the updated version. If you do not agree with the amendments and fail to notify us of your intention to end the agreement within the 7(seven) day period, it shall be assumed that you accept the amended or new terms and conditions.

You agree to review the terms and conditions of this agreement, Privacy Policy, Disclaimer and all other annexures whenever you access the referral channels for any such amendments. Save as expressly provided to the contrary in this agreement, the amended version of the agreement shall supersede and replace all previous versions thereof.

We can terminate this agreement at any time or end your right to use the services provided through the VECARE app upon providing you with reasonable notice. This will not affect instructions given to us whilst using the services available through the VECARE app before the agreement has ended.

We reserve the right to terminate your right to use the services provided through the VECARE app should any one or more of the following events occur:

You commit fraud or we suspect that you have done so;

Where we are under the impression that your behaviour was inappropriate or constitutes misconduct.

If you breach this agreement;

If you no longer have access to the equipment or services necessary to use the services. For example where the cellular phone company has deregistered your contact number.

If the law requires us to do so;

You agree that we can provide information about the products or services offered through the VECARE app or this agreement by any means, including but not limited to publishing a notice on our app itself or using electronic means, including SMS or email.

By using this VECARE app you acknowledge and agree to the Privacy Policy of the app which is set out below.

The Privacy policy relates to the collection and use of personal information you may supply to us through your use of the service channels on the app and such policy therefore governs the manner in which your personal information will be dealt with.

Personal information for the purposes of this document means all information specific to you, which is provided to us through the use of our app. In other words, information that identifies you. This includes but is not limited to the following personal information that you may provide to us when using the app:

Your name and surname;

RSA identity number or date of birth;

Contact numbers;

Email address.

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 our app, 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 app is accessed as well as in order to offer the correct services to 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:

When any regulatory authority for the various financial sectors requests same;

To comply with any regulation passed under relevant legislation, or any legal process;

To enforce and protect our rights and property(including intellectual property) ;

When you have expressly authorised us to do so;

Please ensure that you have read and understood the terms and conditions of this Privacy policy before you provide us with your personal information.

We reserve the right in our sole discretion to amend this Privacy Policy from time to time. You agree to review the Privacy Policy whenever you visit our app for any such amendments. Save as expressly provided to the contrary in this Privacy Policy, the amended version of the Privacy Policy shall supersede and replace all previous versions thereof.

By using the VECARE app you acknowledge and agree to the following disclaimer.

Use of the app 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 of the app 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 app.

Use of this VECARE app or the information, products and services available on this VECARE 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 this VECARE app 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 app 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 on our app, 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 app operates as it was designed by us, we cannot warrant that the services are compatible with, or will operate with your mobile device or any software/hardware that you have on your mobile device.

We make no representation or warranty, whether express or implied, as to the operation, integrity, availability or functionality of our app or as to the accuracy, completeness or reliability of any information obtained from this app.

We also make no warranty or representation, whether express or implied, that the products, information or files available on this app 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 mobile 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 mobile device, or your hardware or software.

We accept no responsibility for any errors or omissions on our app.

We may, in our sole discretion, at any time, suspend or terminate the operation of our app or any of the products or services provided in terms of this app, without prior notice. We may also at any time discontinue or disable certain parts of the services available through this app 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.