Criteria Disqualification

We are currently re-negotiating renewal rates with Hollard on your behalf.

The new rates will be available on 1 April 2015. We will keep you informed by email.

Should you require additional assistance please contact the CFP offices on +27 11 702 6600.

Thank you for your co-operation and understanding!

What information do we collect?

We collect information when you send a query via the website. You may visit the site anonymously.

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways:

• To personalize your experience (your information helps us to better respond to your individual needs).
• To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you).
• To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs).
• To send periodic emails. The email address you provide may be used to send you occasional company news, updates, related product or service information.
• All application information that you submit for registration for Insurance Indemnity Policy required by you.

Do we use cookies?

We do use cookies and Html5 storage methods to retain data input and for system login purposes. We do not collect Address or Credit Card information directly. Please be aware that your browser must be enabled to accept cookies in order for you to use this website.

How secure is your information?

All of our customers' data resides in the same database. We use software best practices to guarantee that only people who you designate as viewers of your data can access it. In other words, we segment our customer data via software. We do our best and are very confident we're doing a good job at it, but, like every other web app that hosts their customers data on the same database, cannot guarantee that a sophisticated hacker cannot access other people's data

How are you protecting my data from hacker attacks?

All of our servers are highly physically secured at professionally maintained and protected data centers. We also have our own practices in place, which follow the industry's best practices. We keep our servers always up to date with security fixes, have one-click ways to take down servers should they become infected/compromised and to create and deploy new clean ones.

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising and other uses.

Online Privacy Policy

This online privacy policy only applies to information collected through our website and not to information collected offline.

Your Consent

By using this website and submitting any data whatsoever in any of our forms, you are implicitly agreeing to abide by the terms of this privacy policy as well as our Terms of Use of this Website : www.cover4profs.co.za.

Your consent to these Terms of Use and conditions

By the access, use, viewing, completion of online forms, submitting any data whatsoever, downloading of materials or any activity available on this website: http://www.cover4profs.co.za (wholly owned by Garrun CFP cc), you implicitly agree with and will comply fully with the conditions of this Terms of Service.

Garrun CFP materials are protected by copyrights, trademarks, patents, trade secrets and all other intellectual property and proprietary rights, and any unauthorized use of the Garrun CFP materials may violate such laws and the Terms of Use.

You agree not to copy, republish, frame, download, transmit, modify, adapt, create derivative works based on, rent, lease, loan, sell, assign, distribute, display, perform, license, sublicense or reverse engineer the Garrun CFP service or Garrun CFP Materials or any portions of them. Garrun CFP materials may not be modified or altered in any way.

You agree that you will not decompile, reverse engineer or otherwise attempt to discover the source code of the software. Any copying or redistribution of the software is prohibited, including any copying or reproduction of the software to any other server or location for further reproduction, redistribution or use on a service bureau basis. Any unauthorized use, copying or distribution of the software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.

The trademarks, logos and service marks displayed on this Site are the property of Garrun CFP cc. , or other third parties. You are not permitted to use them without the prior written consent of Garrun CFP or such third party that may own the Marks. CFP and the Garrun CFP logo are trademarks of Garrun CFP cc.

Garrun CFP materials on the www.cover4profs.co.za website may not be distributed or sold, rented, leased, licensed or otherwise made available to others.

• You may not remove any copyright or other proprietary notices contained in the Garrun CFP materials.
• You may not copy or distribute any graphics in the Garrun CFP materials apart from their accompanying text.
• You will not quote or display Garrun CFP materials, or any portions thereof, out of context.

Garrun CFP reserves the right to revoke the authorization to view, download and print the Garrun CFP materials available via the website at any time, and any such use shall be discontinued immediately upon notice from Garrun CFP.

Reliability and access to the website
- Do you guarantee that www.cover4profs.co.za will be accessible at all times?

In short, we do not. Like all other cloud-based applications, we are vulnerable to the inherent unreliability of the Internet. We monitor the website closely and have set up automated alarms to be notified (via email and SMS) when the SPIIS service is under stress, so that we can deal with the issue before it becomes a problem that might impact customer access.

You acknowledge and agree that Garrun CFP shall not be liable for any failure to store your materials on the website at any time.

Third Party Materials

Materials and Services provided by third parties are governed by separate agreements accompanying such materials and services. Garrun CFP offers no guarantees and assumes no responsibility or liability of any type with respect to the third-party services, including any liability resulting from incompatibility between a third-party service, Garrun CFP materials, the Garrun CFP service or another third-party service. You agree that you will not hold Garrun CFP responsible or liable with respect to the third-party services.

Links to Third Party Sites

Garrun CFP may include links that will take you to other sites outside of the Garrun CFP service. The linked sites are provided by Garrun CFP to you as a convenience and the inclusion of the links do not imply any endorsement by Garrun CFP of any linked site. Garrun CFP has no control of the linked sites and you therefore acknowledge and agree that Garrun CFP is not responsible for the contents of any linked site, any link contained in a linked site or any changes or updates to a linked site. You further acknowledge and agree that Garrun CFP is not responsible for any form of transmission (e.g. webcasting) received from any linked site.

Warranties and Disclaimers

The Garrun CFP service and Garrun CFP materials are provided by Garrun CFP under these terms of use “as is” without warranty of any kind, either express, implied, statutory or otherwise, including, but not limited to, the implied warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the foregoing, Garrun CFP makes no warranty that

• the Garrun CFP service and Garrun CFP materials will meet your requirements;
• the Garrun CFP service and Garrun CFP materials will be uninterrupted, timely, secure, or error-free;
• the results that may be obtained from the use of Garrun CFP service and Garrun CFP materials will be effective, accurate, or reliable;
• the quality of the site or any services or materials purchased or accessible by you will meet your expectations; and
• any errors or defects in Garrun CFP service and Garrun CFP materials will be corrected.

This Garrun CFP service and Garrun CFP materials may include technical or other mistakes, inaccuracies, or typographical errors. Garrun CFP may make changes to the site, materials and services, including the prices and descriptions of any software or products listed, at any time in its sole discretion and without notice. The Garrun CFP service and Garrun CFP materials may be out of date, and

Garrun CFP makes no commitment to update the site, materials and services.

You acknowledge and agree that:

• Garrun CFP does not control, endorse, or accept responsibility for any materials or services offered by third parties, including third-party vendors and third parties accessible through linked sites;
• Garrun CFP makes no representations or warranties whatsoever about any such third parties, their materials or services;
• any dealings you may have with such third parties are at your own risk; and
• Garrun CFP shall not be liable or responsible for any materials or services offered by third parties.

Garrun CFP does not control or endorse the materials found in any services and specifically disclaims any liability with regard to the site, services and any actions resulting from your use of the Garrun CFP service and Garrun CFP materials and participation in any services.

To the maximum extent permitted by law, Garrun CFP will have no liability related to user materials arising under intellectual property rights, libel, privacy, publicity, obscenity or other laws. Garrun CFP also disclaims all liability with respect to the misuse, loss, modification or unavailability of any user materials.

The use of Garrun CFP service, Garrun CFP materials or the downloading or other use of any materials is done at your own discretion and risk and with your agreement that you will be solely responsible for any damage to your computer system, loss of data or other harm that results from such activities. Garrun CFP assumes no liability for any computer virus or other similar software code that is downloaded to your computer from the site or in connection with any services or materials. No advice or information, whether oral or written, obtained by you from Garrun CFP or via the site, services or materials shall create any warranty not expressly stated in the terms of use. Garrun CFP will not be liable for any loss that you may incur as a result of someone else using your password or account with respect to the site or any services or materials, either with or without your knowledge.

Indemnity and Liability

You agree to indemnify and hold Garrun CFP and its officers, co-branders, other partners and employees harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of:

• your user materials and any other content (e.g. computer viruses) that you may submit, post to or transmit through Garrun CFP, including a third party’s use of such user materials or content (e.g. reliance on the accuracy, completeness or usefulness of your user materials);
• your access to or use of Garrun CFP (including any use by your employees, contractors or agents and all uses of your account numbers, user names and passwords, whether or not actually or expressly authorized by you, in connection with Garrun CFP);
• your connection to Garrun CFP;
• your violation of the Terms of Use;
• the actions of any member of your work group, including non-logged in users you have granted access to your Garrun CFP site;
• your infringement of any third party’s intellectual property rights when using any of the software made available on Garrun CFP;
• your violation of any rights of any third party;
• your access to or use of linked sites and your connections thereto; or
• any dealings between you and any third parties advertising or promoting via Garrun CFP.

How safe are my details (e.g.. bank details) which I provide to PayFast ?

In short, very safe! payFast says this about their security: "Security is one of our top priorities and one of the areas where we feel a lot of merchants and existing payment processors are lacking. We make every effort to ensure the security of your details provided to us, and will continue to increase the security of the service we offer through the effective use of technology."

"With regards to bank details specifically, you are not required to give us your banking details ... Most users who pay for things online will probably never need to furnish their bank details."

Is PayFast secure ?

• Absolutely! And often more so than many other payment methods! PayFast is developed with the same demands on security and performance as web sites used for banking services and share trading.
• Your account login, personal details and all money transactions are secured using Secure Socket Layer (SSL) technology with high security 256 bit encryption.
• Your sensitive financial information (like credit/debit card details) is never sent to the people you pay ! So you can send money without sending your financial information! So you don't need to worry about paying people you don't know.
• We make use of 3D Secure to further enhance the security of credit card transactions on PayFast for all high value transactions.

Does PayFast use 3D Secure / Verified by Visa / MasterCard Securecode ?

Yes, we make use of 3D Secure for selected credit card transactions . We have taken a measured approach to the use of 3D Secure and generally don't use it for low-value transactions or where the fraud risk is low so as to not unnecessary impede such transactions. By default, we turn on 3D Secure for all transactions over R1,000.00 but may also make use of it for transactions of lesser value at our discretion.

What is 3D Secure / Verified by Visa / MasterCard Securecode ?

• 3D Secure is a technical standard created by Visa and MasterCard to further secure CNP (Card-holder Not Present) transactions over the Internet.
• 3D Secure protects your credit card against unauthorised use when you shop online. This simple service enables you to validate transactions you make over the internet by requesting a personal code (usually sent to your cell phone or email address as a one time PIN). It helps protect your account from fraudulent use by unauthorised individuals.
• 3D Secure is an extra layer of security in using your credit card for online transactions. For certain online transactions you'll be asked to enter your 3D Secure password (different from the PIN), which is called Verified by Visa and MasterCard SecureCode by the respective credit card companies.
• You have to register for 3D Secure with your card issuing bank , and can be set up either as a password of your choice or a one-time-password that will be sent to you by email/SMS.
• payFast have taken a measured approach to the use of 3D Secure and generally don't use it for low-value transactions or where the fraud risk is low so as to not unnecessary impede such transactions.
• By default, payFast turn on 3D Secure for all transactions over R1,000.00 but may also make use of it for transactions of lesser value at our discretion.

We confirm that

Garrun CFP (Pty) Ltd (registration no. 2005/040670/07)
A close corporation incorporated in accordance with the laws of the Republic of South Africa,
(hereinafter referred to as “Garrun CFP”)
is not affiliated in any way whatsoever with:

1. FINANCIAL PLANNING STANDARDS BOARD, LTD
A company incorporated in accordance with the laws of the United States of America
of 707 17th Street, Suite 2925, Denver, Colorado, 80202, United States of America.
(hereinafter referred to as “FPSB”)

or

2. FINANCIAL PLANNING INSTITUTE (“FPI”)
who is the sole licensing authority for the CFP trade mark in South Africa
under an affiliation and license agreement with FPSB;

or

3. The CFP certification.