Disclosures

Important notice

DISCLOSURE AND OTHER LEGAL REQUIREMENTS: THIS NOTICE DOES NOT FORM PART OF THE INSURANCE CONTRACT

About Mahala Loyalty Programme (Pty) Ltd

(a) Registration No. 2001/030145/07

(b) Postal Address: Physical Address:

P O BOX 9843 82A ASPEN CRESCENT

CENTURION ZWARTKOP

0046 0157

(c) Contact Details

Tel 0860 MAHALA (62 42 52)

Facsimile 0866 314 046

E-mail info@mahala.co.za

Website: www.mahala.co.za

Contact Person: Tanya Mocke

Position: Chief Executive Officer

Tel no: 012 – 643 0384

WhatsApp: 081 487 2073

E-mail: tanya@mahala.co.za

(d) Directors: Tanya Mocke (Key Individual for FSP# 21961), Len Lubbe

(e) Mahala (Pty) Ltd is an intermediary for various Underwriters (King Price Life, Old Mutual and Assupol).

(f) Mahala (Pty) Ltd does not earn more than 30% of their total income as commission respectively from the above mentioned Underwriters.

(g) Mahala (Pty) Ltd does hold Fidelity Guarantee and Professional Indemnity cover for R 2 000 000.

(h) Mahala (Pty) Ltd is a registered Financial Service Provider in the following categories:

Long Term Insurance Category A, Short Term Insurance Personal Lines, Long Term Insurance Category B1 and Short Term Insurance Commercial Lines (FSP Number 21961)

Assistance Business. Mahala (Pty) Ltd accepts liability for all financial advice and or intermediary services provided by its representatives and confirm that services may be rendered whilst under supervision.

(i) Mahala (Pty) Ltd does not hold guarantees as contemplated in Part 4 of the Regulations promulgated under the Short Term Insurance Act 1998.

(j) The Company has a comprehensive Conflict of Interest Policy in place. There are no actual or potential conflicts in terms of the FAIS act identified at present.

Mahala Loyalty Programme (Pty) Ltd Complaints Procedures

Any query regarding the validity, interpretation, effect or rights and obligations of any policy, or any complaint concerning the conduct of Mahala (Pty) Ltd, an Independent Intermediary or Insurer should be addressed as follows:

(1) If relevant, raise the matter with the employee concerned.

(2) In the event of the matter not being resolved, request details of the relevant department manager and raise the matter with them.

(3) Please confirm all details in writing as far as is possible and in the event of the matter concerning Mahala (Pty) Ltd conduct, please advise the independent intermediary of the matter.

(4) Should the matter not be satisfactorily resolved, please request that it be forwarded to the Mahala (Pty) Ltd Key Individual/Customer Care Manager, who will respond directly.

(5) Thereafter, please formally and in writing address any complaint to:

The Complaints Department

Please note that our compliance officer is Niel Wessels, should you wish to contact our Compliance Officer: Email: niel@compliancetrust.co.za

(6) Should the matter remain unresolved, the matter may be referred to the Insurer Complaints Department and as per statutory procedures as provided.

(7) Utilization of this procedure in no way precludes any civil remedy which may be available to the aggrieved party.

Complaint Resolution System and Procedures

Please note that we have established a written internal complaint resolution system with detailed procedures. Access to the written procedures and a copy of the complaint resolution system is available to clients at this office during office hours each day. Should you have any complaint, this must be submitted to us in writing and must contain all relevant information. Copies of all relevant documentation must be attached thereto.

Ombud Details (FAIS Ombud And NFO)

Sharing Of Insurance Information

Insurers share information with each other regarding policies and claims with a view to prevent fraudulent claims and obtain material information regarding the assessment of risks proposed for insurance. By reducing the incidents of fraud and assessing risks fairly, future premium increases may be limited. This is done in the public interest and in the interest of all current and potential policyholders.

The sharing of information includes, but is not limited to information sharing via the Information Data Sharing System operated by TransUnion ITC on behalf of the South African Insurance Association. By the insurer accepting or renewing this insurance, you or any other person that is represented herein, gives consent to the said information being disclosed to any other insurance company or its agent.

You also similarly give consent to the sharing of information in regards to past insurance policies and claims that you have made. You also acknowledge that information provided by yourself or your representative may be verified against any legally recognised sources or databases.

By insuring or renewing your insurance you hereby not only consent to such information sharing, but also waive any rights of confidentiality with regards to underwriting or claims information that you have provided or that has been provided by another person on your behalf.

In the event of a claim, the information you have supplied with your application together with the information you supply in relation to the claim, will be included on the system and made available to other insurers participating in the Information Data Sharing System.

If you have difficulties in determining the correct procedures, please contact your Financial Services Provider or Product Supplier for assistance. Generally, you are required to advise the Product Supplier within a prescribed number of days of a loss, provide written details of the loss, provide proof in support of the claim and provide any other details that may be required by the Product Supplier.

If the Policy Owner or Nominated Beneficiary needs to claim against this Policy, they should contact the Financial Service Provider as soon as possible to request a claim form.

The claimant must complete the claim form and return it to the Insurer or Intermediary together with any supporting documents that the insurer may reasonably require.

Upon the death of any insured under this policy, notice of claim together with all supporting documentation must be submitted to the insurer within 6 (six) months from the date of the insured’s death. The Product Supplier will accept no liability where a claim is submitted after 6 months of the date of death of the insured.

Valid claims are payable after submission of the following required documents (T&Cs apply):

• A fully completed Claim Form;
• A certified copy of the Identity Document of the Claimant;
• A certified copy of the Identity Document and Death Certificate of the Deceased Insured Person and a copy of the Form BI1663/DHA1663;
• In the case of a Partner, a certified copy of the marriage certificate or certified proof of the Common Law or Traditional marriage;
• In the case of a biological Child, a certified copy of the member's or partner's Identity Document, or proof of relationship, and the Child's birth certificate (T&Cs apply);
• In the case of a disabled Child, proof of disability;
• A “Police Report” in the event of death by unnatural causes;
• All copies must be certified by a Commissioner of Oaths.

Protection Of Personal Information (POPI Act)

We confirm that in terms of the Protection of Personal Information Act No 4 of 2013, during our interaction and appointment we are going to obtain your personal information. By providing the information to us you confirm, agree and consent to the use of your personal information by us as well as any of our appointed representatives, employees, contracted product suppliers and / or their authorized administrators.

We herewith undertake only to utilize such personal and private information for the purpose that it was intended and obtained for, which relates to providing you with possible financial services.

Once all transaction(s) has been concluded in respect of the purchase of a financial product(s), the information will be retained and used for the maintenance of such product(s) / our records. Insofar as the termination of this is concerned, we are required by law to keep all information and records for a period of at least 5 years (after termination of relationship).

Personal and private information will not be divulged to any third party concerned without your consent or in the event of a legal obligation. We confirm that the necessary systems and procedures are in place to secure personal information in accordance with legal requirements.

This consent will remain effective until cancelled in writing.

Important Matters

(a) All material facts must be accurately, fully and properly disclosed by you. All information disclosed by you or on your behalf is your responsibility.

(b) Do not sign any blank or partially completed application forms.

(c) Keep all documents handed to you.

(d) Make notes of what is said to you.

(e) Never be pressurized to buy a product.

(f) We are not aware of any actual or potential conflict of interest. Please note that in the interest of our clients that we do have a conflict of interest policy in place. A copy can be obtained from our offices during office hours.

(g) Ensure that the product purchased suits your needs.

(h) Misrepresentation, incorrect or non-disclosure by you of any facts or circumstances may impact negatively on any claims arising from your insurance contract.

(i) In most cases, you have a right to cancel a policy in writing within 30 days after receipt of the summary contemplated in section 48 of the Long-term Insurance act, 1998. The same applies to certain changes you may make to a policy.

(j) You are entitled to a copy (free of charge) of the policy document, or summary thereof.

(k) The Insurer must give reasons for rejecting a claim.

(l) The provider has no representatives who are rendering services under supervision as defined in the Determination of Fit and Proper Requirements.

About The Insurers

This policy is underwritten by the Underwriter stated in your policy document. See below all Insurer details where Mahala (Pty) Ltd (FSP no: 21961) has Intermediary contracts with:

King Price Life Insurance Limited contact details:

PRIVATE BAG X31, MENLYN CORPORATE PARK,

NORTHLANDS, BLOCK A, 175 COROBAY AVENUE

2116 WATERKLOOF GLEN X11, PRETORIA, 0081, SOUTH AFRICA

Tel: 0861 007 966

FSP no. 43862

E-mail: Complaints: lifecomplaints@kingprice.co.za; Compliance: lifecompliance@kingprice.co.za | For attention: KING PRICE LIFE INSURANCE & Product Name

Old Mutual Life Insurance Company (SA) contact details:

P.O.BOX 66 MUTUALPARK, JAN SMUTS DRIVE,

CAPETOWN PINELANDS

8000 CAPE TOWN, SOUTH AFRICA

Tel: 0860 22 55 63

FSP no: 12

Email: service@ominsure.co.za | For attention: OLD MUTUAL INSURE & Product Name

Assupol Life Limited contact details:

PO BOX 25900 Summit Place Office Park,

menlo park Building 6, 221 Garstfontein Road,

0102 Menlyn, Pretoria, 0181, SOUTH AFRICA

FSP NO: 53

Email: info@assupol.co.za |For attention: ASSUPOL LIFE & Product Name

Signing Of Incomplete Documents

You are hereby advised and cautioned that no person acting on behalf of the provider may in the course of the rendering of a financial service request you to sign any written or printed form or document unless all details required to be inserted thereon by you or on your behalf have already been inserted.

Responsibility For Correctness And Completeness Of Information

Please note that in respect of any application, proposal, order, instruction or other contractual information that is required to be completed for, or submitted to a product supplier by or on your behalf that relates to the purchase of or investment in any financial product, including any amendment thereof or variation thereto, all material facts must be accurately and properly disclosed, and the accuracy and completeness of all answers, statements or other information provided by you or on your behalf are your own responsibility;

If any person completes or submits any application, proposal, order, instruction or other contractual information that is required to be completed for, or submitted to, a product supplier by you or on your behalf that relates to the purchase of or investment in any financial product, including any amendment thereof or variation thereto on your behalf, you should be satisfied as to the accuracy and completeness of the details.

Any misrepresentation or non-disclosure of a material fact or the inclusion of incorrect information could result in the cancellation of the transaction or the non-payment of a benefit by the product supplier.

Legal And Contractual Status

The provider accepts responsibility for its own actions and for the actions of any of the following representatives that may be performed by them while acting within the course and scope of their employment/representative agreement with the provider:

1. Tanya Mocke

2. Randall Mocke

3. Jani de Beer

Waiver Of Rights

The General Code of Conduct stipulates that no financial services provider may request or induce in any manner a client to waiver any right or benefit conferred on the client by or in terms of any provisions of the said Code, or recognise, accept or act on any such waiver by a client. Any such waiver is null and void.