Terms & Conditions
'SwiftCover' is a trading name of Hoopla Digital (Pty) Ltd, who are a company registered in South Africa under company registration 2019/599562/07. 'SwiftCover' is an online website designed as an overview and primer on general business insurance.
This website provides general information and resources collected and organized from third party source data and compiled for the consumer on this site in a readable, easy to understand format.
These terms ("Terms") and conditions apply to all and any user of this website.
Requirements of Consumer
Use of this website is for those over 18 years of age.
By using this website, you agree to be bound by these Terms. If you do not, you should cease to use the website.
'SwiftCover' can make changes and edits to these terms as needed, with all changed being effective immediately upon access.
By using the website, you acknowledge that you have proper hardware, software, and capabilities for email and web usage, with various security protections in place.
The Website: What We Do
The function of 'SwiftCover' is to provide clear and concise information to the consumer in order to educate about Business insurance and all its functions. This information is general with few specific details. This information is intended to be a resource and is not specific guidance or recommendations for your specific needs or choices for Business insurance options.
Third party firms
If after using the resources on this website you are interested in seeking out Business insurance, we can provide contact information for third party groups who can provide service to you as the consumer. We will only facilitate this at the request of you as the consumer. 'SwiftCover' does not and will not provide any sort of guarantee that a third party business will provide you with all that you need or require. It is merely a service to provide information on possible insurance companies that may be of interest to you.
If you request 'SwiftCover' to provide an introduction to a third party business on your behalf, we may request to validate your contact information (address and/or telephone number) to make sure the information is correct. In addition, we will make you aware of the third party firm or arranger who will be in touch with you about your insurance interests. We try our best to secure reputable companies and businesspeople, but cannot guarantee that these businesses will not change their way of conducting business from time to time.
All information and statistics found on the website of 'SwiftCover' are as accurate as possible at time of publication. We take our information seriously and will do the best to provide the highest quality content to our users.
Third party links from this website are not always verified by 'SwiftCover', so any website viewing away from this website is at your own risk.
Our Promise to the Consumer
By using our site, you acknowledge that 'SwiftCover' did not represent you or act as an agent in contacting third party companies or services, nor committed you to any services or products. Any further purchases or actions on your part as the consumer is at your sole discretion and interest.
If 'SwiftCover' serves as connector between you and a third party company, we are at no further request to you after we have made the contacts and sent information along. If you provide contact information via this website, 'SwiftCover' can notify you about additional features or items of interest on this website that may be interesting or helpful to you as the consumer. These communications will either come directly via 'SwiftCover' or from a third party company working on our behalf. By providing us with your contact information on this website, it indicates your interest and desire in receiving these types of communications. If you are not interested in these subjects or change your mind about communication, please uncheck the appropriate box on the contact form. There is also an additional unsubscribe option on our privacy and contact pages of this website. Unsubscribe options are also available directly via any email communication sent to you. All emails and attachment sent to you by 'SwiftCover' or third party companies associated with us are intended for you and you have agreed to receive them.
Your personal information and communications
If applicable, the username and password you choose is solely for access and use of this website; we will not sell or disclose this information to any third parties without 'SwiftCover's' prior written consent. With third party companies, we make no guarantees of the quality of service or content of their individual websites; merely serve as a connector to these third party services.
'SwiftCover' only displays correct and accurate information on the site that has been obtained fairly and accurately as possible. We maintain high standards for our information sources and means of gathering data, but all information is general in nature. If there is more specific information that you require, this will have to be obtained independently from our website.
If you submit your contact information to this website, your personal details and information will be sent to a third party company. By doing this, you are allowing an active invitation to receive a call from a third party company. The third party companies may be listed on the website or we may contact you with the name of the third party company who will be in touch with you. Any contact from third parties will only be in conjunction with subjects displayed on the website.
Submission of personal information
By providing your personal contact information to this website, you give 'SwiftCover' permission to act on your behalf to contact a third party about services or needs as listed on this website, unless otherwise informed. If providing information about a person other than yourself, you agree to obtain authorization from that individual about their information. In addition, you approve that 'SwiftCover' may send information to a third party on your behalf. Using tracking images in HTML-based emails, we are able to identify if an email has been opened, which serves as a tool to measure the effectiveness of email communication and marketing.
Use of Information
'SwiftCover''s purpose is to provide free, clear, and concise information to consumers regarding Business insurance and Business insurance policies. All information gathered here is compiled from a variety of resources and presented in a comprehensive format. If you provide information to the website and want to be in contact with various third party representatives regarding Business insurance, our website can facilitate that connection. We do not charge for this service nor can we guarantee the results you will receive from the third party representative.
Budget and financial guidance
Any financial or budget advice that may be represented on this website is meant to be general and generic in nature, and in no way does this website serve to counsel you on your personal finance situation. 'SwiftCover' highly recommends that if any financial information or guidance is being offered by a third party company that consumers read all terms and conditions, and if there are concerns, contact an independent financial planner or consultant to help with your concerns.
'SwiftCover' takes no responsibility and has no control over any relations or service you may receive from any third party business that our website may have arranged for you. Your business with any third party is entirely separate from the website. Make sure as a responsible consumer to read all policies, terms, and conditions as put forth by any third party business.
'SwiftCover' may receive commissions or fees from third party companies that receive customers as a result of a connection made from our website. After the introduction has been made to a third party, 'SwiftCover' has no further involvement in the transaction or business.
As permitted by law, 'SwiftCover' exclude liability for any inaccuracies or mistakes present on the website.
Copyright, trademark, and intellectual property rights
Using the site
This website is intended for use for private, non-commercial, educational purposes only. You cannot use the website for promotional or business purposes including using the site or its information for sending unsolicited bulk email.
No person other than the rightful owner or licensee of such Intellectual Property Rights may:
- Hack, attempt to hack, distribute, modify, transmit, reuse, re-post, or use any or all of the Website or the information contained therein for any purpose other than as set out above nor for public or commercial purposes without 'SwiftCover' or the relevant licensee's prior written permission;
- Provide hypertext links, URL Links, graphic links, hyperlinks or other direct connection for profit or gain to the website without 'SwiftCover''s prior written permission;
- Display, publish, copy, print, post or otherwise use the Website and the information contained therein for the benefit of any other website without 'SwiftCover''s or the relevant licensee's prior written permission;
- Process or otherwise use the information contained on or within the Website for any illegal or immoral purpose nor use or process the same unfairly.
All copyright, design and database rights, patents, and any rights to inventions, know-how, trade and business names, trade secrets and trademarks (whether registered or unregistered) and any applications therefore ("Intellectual Property Rights") in the website belong to and vest in 'SwiftCover' or are licensed to 'SwiftCover' unless otherwise specified. All such rights of 'SwiftCover' are hereby asserted and reserved.
'SwiftCover' maintains this website as a source of reliable, unbiased information regarding Business insurance. As such, we have worked hard to provide accurate information sourced from a variety of third parties and other data centers. Since much of this information comes from other sources, the website shall be liable only to provide its services with reasonable skill and care and makes no guarantee that all information is up to date at the time of access.
Subject as aforesaid, to the maximum extent permitted by law, 'SwiftCover' excludes liability for any loss or damage of any kind howsoever arising, including without limitation any direct, indirect, punitive or consequential loss whether or not such arises out of any problem you notify to 'SwiftCover' shall have no liability to pay any money by way of compensation, including without limitation all liability in relation to:
- All interruptions to or delays in updating the service;
- The infringement by any person of any Intellectual Property Rights of any third party caused by their use of the website;
- Any amount or kind of loss or damage due to viruses or other malicious software that may infect a user's computer equipment, software, data or other property caused by persons accessing, using or downloading the website, or from transmissions via emails or attachments received from 'SwiftCover' or its licensees;
- The availability, quality, content or nature of the other sites on the internet that are owned and operated by third parties ("External Sites") to which the website link and website located on or through any External Site nor for any transactions involving External Sites (including as to 'cookies', personal data, confidential information, or purchases of domain names or other services). You should contact the site administrator or webmaster for those External Sites if you have any concerns regarding such links, website or transactions;
- All representations, warranties, conditions and other terms which but for this notice would have effect.
These terms above shall not limit any rights you might have as a consumer that may not be excluded under applicable law or regulation nor shall it exclude or limit 'SwiftCover''s liability for death or personal injury resulting from its negligence nor any fraudulent representation.
'SwiftCover' has used all reasonable efforts to ensure that all information provided by it is accurate and accords with current standards. However, it cannot account for the accuracy of information provided to it by others or posted by users of the Website.
However it is agreed, acknowledged and understood that:
- The Website and all the services contained within are provided as an informed introduction service only and are not intended or held out to replace or represent appropriate financial advice;
- Financial advice and the financial markets are constantly evolving and 'SwiftCover' cannot guarantee that all of the information displayed on the Website is completely up-to-date.
'SwiftCover' shall be entitled to terminate this Agreement and immediately remove, cancel or suspend access to and use of the Website upon your breach of any part of these Terms whatsoever. Termination shall be without prejudice to the accrued rights of either party.
'SwiftCover' will not be liable in any amount for failure to perform any obligation under this agreement if such failure is caused by the occurrence of any unforeseen contingency beyond the reasonable control of such party including without limitation Internet outages, communications outages, fire, flood, war or act of God.
Except as provided above there are no other warranties, conditions or other terms, express or implied, statutory or otherwise, and all such terms are hereby excluded to the maximum extent permitted by law (but subject to your statutory and common law consumer rights).
All questions, comments or enquiries should be directed by email to: email@example.com
'SwiftCover' acts as principal on its own account and not as agent for you or any other person. We are under agreement to provide financial services introductions to a third party company who then passes those introductions to arrangers.
If 'SwiftCover' does not enforce any provision of this agreement such will not be considered a waiver of any provision or right. In the event that any part of these terms and conditions is held to be unenforceable, such part will at 'SwiftCover's' option be construed as far as possible to reflect the parties' intentions and the remainder of the provisions will remain in full force and effect.
These terms and conditions constitute the entire agreement between you and 'SwiftCover' and shall apply to the exclusion of all other terms or conditions of contract that you may purport to propose.
Use of 'SwiftCover' and these terms are subject to the laws of South Africa that shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licenses and conditions of use and shall be construed in accordance with the laws of South Africa and the parties submit to the exclusive jurisdiction of the South African courts.
It is hereby asserted that the website is intended for and directed at South Africa and no representation or warranty is made as to whether the website complies with the regulatory regime and local laws of any other countries.