Website Usage Terms and Conditions
Welcome to the Black Cygnet Life information “website”. The aim of the Black Cygnet Life website is to connect its “clients” and “visitors” (cumulatively referred to as “you” or “your” hereinafter). Black Cygnet Life is an Authorized Financial Services Provider. This website is owned by Black Cygnet Life Pty (Ltd) and all material contained within this website is under copyright.
Black Cygnet Life is passionate about developing specialized life insurance products suited for specific needs. Black Cygnet Life offers competitive specialized life insurance to cover your financial needs, contingent liabilities, home loans, debts and general insurance. You can choose the payout for each specific need, lump sum benefits for your capital needs and regular monthly payouts for your income related or home loan instalment needs.
The passion extends into the deep understanding of the importance of Life and disability insurance and the good it can do. Many people think of their life insurance as a grudge purchase, however this is the foundation of your family’s financial future as the most important step to financial prosperity is to protect what you already have, your lifestyle, your assets and then insure what you will need in the future. We all know death and disability is not something we want to think about, but at Black Cygnet Life we want you to be assured that if this happens you can be confident that we have you covered.
Black Cygnet Life, including subsidiaries and affiliates provides the information contained on this website or any of the pages comprising the website to you, subject to the terms and conditions set out in these website terms and conditions, the privacy policy, copyright policy and any other relevant terms and conditions, policies and notices which may be applicable to a specific section or module of this website.
Information on the Website
Whilst every effort is made to update the information contained on this website, neither the Black Cygnet Life nor any third party or data or content provider make any representations or warranties, whether express, implied in law or residual, as to the sequence, accuracy, completeness or reliability of information, opinions, any interest rate information, research information, data and/or content contained on the website (including but not limited to any information which may be provided by any third party or data or content providers) and shall not be bound in any manner by any information contained on the website. Black Cygnet Life reserves the right at any time to change or discontinue without notice, any aspect or feature of this website. No information shall be construed as advice and information is offered for information purposes only and is not intended for trading purposes. You and your company rely on the information contained on this website at your own risk. If you find an error or omission at this site, please let us know.
The information found on this website or any third party is subject to change without prior notice, including but not limited to the interest rates, terms and conditions, and any other information provided. The information generated when making use of the software or calculators provided is a guideline only, the final result will be confirmed by the lender(s) involved when completing the transaction. Please ensure that any other party/ies to your application (i.e. co-applicant, surety) are aware of the terms and conditions and requirements that will also apply to them.
Trademarks
The trademarks, names, logos and service marks (collectively “trademarks”) displayed on this website are registered and unregistered trademarks of Black Cygnet Life and business partners. Nothing contained on this website should be construed as granting any license or right to use any trademark without the prior written permission of Black Cygnet Life or their business partners.
External Links
External links may be provided for your convenience, but they are beyond the control of Black Cygnet Life and no representation is made as to their content. Use or reliance on any external links and the content thereon provided is at your own risk. When visiting external links you must refer to that external websites terms and conditions of use. No hypertext links shall be created from any website controlled by you or otherwise to this website without the express prior written permission of Black Cygnet Life. Please contact us if you would like to link to this website or would like to request a link to your website.
Specific Use
You further agree not to use the website to send or post any message or material that is unlawful, harassing, defamatory, abusive, indecent, threatening, harmful, vulgar, obscene, sexually orientated, racially offensive, profane, pornographic or violates any applicable law and you hereby indemnify Black Cygnet Life (including subsidiaries and affiliates) against any loss, liability, damage or expense of whatever nature which Black Cygnet Life or any third party may suffer which is caused by or attributable to, whether directly or indirectly, your use of the website to send or post any such message or material.
Warranties
The Website Owner makes no warranties, representations, statements or guarantees (whether express, implied in law or residual) regarding the website, the information contained on the website, you or your company’s personal information or material and information transmitted over our system.
Disclaimer of Liability
Black Cygnet Life shall not be responsible for and disclaims all liability for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party (including your company), as a result of or which may be attributable, directly or indirectly, to your access and use of the website, any information contained on the website, you or your company’s personal information or material and information transmitted over our system. In particular, neither the Black Cygnet Life nor any third party or data or content provider shall be liable in any way to you or to any other person, firm or corporation whatsoever for any loss, liability, damage (whether direct or consequential), personal injury or expense of any nature whatsoever arising from any delays, inaccuracies, errors in, or omission of any interest rate information or the transmission thereof, or for any actions taken in reliance thereon or occasioned thereby or by reason of non-performance or interruption, or termination thereof.
Use of the Website
Black Cygnet Life does not make any warranty or representation that information on the website is appropriate for use in any jurisdiction (other than the Republic of South Africa). By accessing the website, you warrant and represent to Black Cygnet Life that you are legally entitled to do so and to make use of information made available via the website.
Website Performance
Whilst every effort has been made by Black Cygnet Life and its providers of information and services to ensure the proper performance of this website, the accuracy of the information/images and the reliability of the binary data on this website, Black Cygnet Life, its affiliated companies, service providers, suppliers, or any of their staff, do not warrant the availability of website or the data or the accuracy of the data on the website.
We make no representations or warranties, whether express or implied, and assume no liability or responsibility for the proper performance of this website and/or the accuracy of the data contained on the website, and your use of the website and the data is thus at your own risk. In particular we make no warranty that the website or the data will meet your requirements, be uninterrupted, complete, timely, and secure or error free.
Entire Agreement
These website terms and conditions constitute the sole record of the agreement between you and the Website Owner in relation to your use of the website. Neither you nor the Website Owner shall be bound by any express tacit nor implied representation, warranty, promise or the like not recorded herein. Unless otherwise specifically stated these website terms and conditions supersede and replace all prior commitments, undertakings or representations, whether written or oral, between you and Black Cygnet Life in respect of your use of the website.
Alteration
Black Cygnet Life may at any time modify any relevant terms and conditions, policies or notices. You acknowledge that by visiting the website from time to time, you shall become bound to the current version of the relevant terms and conditions and, unless stated in the current version, all previous versions shall be superseded by the current version. You shall be responsible for reviewing the then current version each time you visit the website.
Conflict
Where any conflict or contradiction appears between the provisions of these website terms and conditions and any other relevant terms and conditions, policies or notices, the other relevant terms and conditions, policies or notices which relate specifically to a particular section or module of the website shall prevail in respect of your use of the relevant section or module of the website.
Cession
The Website Owner shall be entitled to cede, assign and delegate all or any of its rights and obligations in terms of any relevant terms and conditions, policies and notices to any third party.
Severability
All provisions of any relevant terms and conditions, policies and notices are, notwithstanding the manner in which they have been grouped together or linked grammatically, severable from each other. Any provision of any relevant terms and conditions, policies and notices, which is or becomes unenforceable in any jurisdiction, whether due to voidness, invalidity, illegality, unlawfulness or for any reason whatever, shall, in such jurisdiction only and only to the extent that it is so unenforceable, be treated as pro non scripto and the remaining provisions of any relevant terms and conditions, policies and notices shall remain in full force and effect.
Applicable Laws
Any relevant terms and conditions, policies and notices shall be governed by and construed in accordance with the laws of The Republic of South Africa without giving effect to any principles of conflict of law. You hereby consent to the exclusive jurisdiction of the High Court of South Africa in respect of any disputes arising in connection with the website, or any relevant terms and conditions, policies and notices or any matter related to or in connection therewith.
Compliance
Black Cygnet Life (Pty) Ltd is an Authorized Financial Services Provider in terms of section 8 of the Financial Advisory & Intermediary Services (FAIS) Act, 2002, operating under FSP Licence No. 44723. Black Cygnet Life has a commitment to comply with all obligations and requirements under the Financial Advisory & Intermediary Services Act. For a copy of our FAIS license or for more information about our compliance policies please email compliance@blackcygnet.co.za
Feedback
We would greatly appreciate any feedback or comments you may have regarding any aspect of this website, however, you remain liable to any third party for your comments and agree not to send any material that is unlawful, harassing, defamatory, abusive, indecent, threatening, harmful, vulgar, obscene, sexually orientated, racially offensive, profane, pornographic or violates any applicable law.
At Black Cygnet Life we strive to go above and beyond always offering the best service to you our client with our philosophy of “best advice for home buyers”. We do, however, recognise that there may be an occasion where you have a complaint that needs to be resolved. It is in the interest of everyone concerned that we prioritise any complaints you may have and resolve them as smoothly and efficiently as possible and in line with current legislation. For a detailed explanation of our complaints procedure please email info@blackcygnet.co.za
If you have any questions, comments or concerns arising from the website, the privacy policy or any other relevant terms and conditions, policies and notices or the way in which we are handling your personal information please contact us.
Copyright Notice
Copyright © www.blackcygnet.co.za
All aspects of this website – design, text, graphics, applications, software, underlying source code and all other aspects – are copyright www.blackcygnet.co.za and its affiliates or content and technology providers.
In accessing these web pages, you agree that any downloading of content is for personal, non-commercial reference only. No part of this website may be reproduced or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without prior permission of the Website Owner.
For rights clearance please contact us.
Our Commitment to Privacy
At Black Cygnet Life, we respect every individual’s right to privacy. Our relationship with you is our most valuable asset and is the very basis of our name and reputation. To better protect your privacy we provide this notice explaining our online information practices.
The Black Cygnet Life Privacy Pledge
Whether you are a Black Cygnet Life client or a visitor to the public area of our website, we understand the importance you place on the privacy and security of information that personally identifies you or your account information. We refer to and treat this information as “personal information”. We extend the following pledge to you:
The Black Cygnet Life Privacy Pledge and Notification
• We do not sell personal information to anyone.
• We will only share personal information with others as stated in this pledge, unless we give you additional notice or ask for your permission.
• We do reserve the right to disclose or report personal information where we believe in good faith that disclosure is required under law, to cooperate with regulators or law enforcement authorities, to perform necessary credit checks or collect or report debts owed to us, to protect our rights or property, or upon reasonable request by a unit trust fund in which you have chosen to invest.
• Whenever we collect personal information from you, we will reference this pledge and notification or otherwise explain to you how we intend to use that information.
• We use personal information in ways that are compatible with the purposes for which we originally requested it. For example, we will use the information you give us to process your requests and transactions, to provide you with additional information about products and services, or to evaluate your financial needs. To do so, we may share personal information within the Black Cygnet Group.
• We limit the collection and use of personal information to what is necessary to administer our business and to deliver superior service to you. This may include advising you about our products or services, and other opportunities that we believe may interest you. To serve you better, we may combine information you give us on the Web or through other channels.
• In both the above cases, you may withhold your consent to our doing this, and we will inform you how to exercise that choice. If you do not withhold your consent, we will presume that you have agreed to our continuing the practice. You will not be pressurised for your consent in return for our services and products.
• We will make reasonable endeavours to protect the confidentiality of any personal information you share with us.
• When we share personal information within Black Cygnet Life, we protect that personal information through a strict Code of Ethics. Companies that we hire to provide support services or act as our agent must conform to our privacy standards.
• The Black Cygnet Life Code of Ethics requires that employees with access to confidential client information may not use or disclose the information except as provided for herein. All employees are required to safeguard such information, as specified in their confidentiality undertakings to Black Cygnet Life. We continue to evaluate our efforts to protect personal information and make every effort to keep your personal information accurate and up to date.
• If you identify any error in your personal information or need to make a change to that information, please contact us and we will promptly update our records.
• If you have any questions or concerns, please contact us by e-mail at info@blackcygnet.co.za
• We use non-identifying and aggregate information to better design our website and to share with advertisers. For example, we may tell an advertiser that X number of individuals visited a certain area on our website, or that Y number of men and Z number of women filled out our registration form, but we would not disclose anything that could be used to identify those individuals.
Our Commitment to Data Security
To prevent unauthorised access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online