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General
1.1. Sanlam Secure Services, hereafter also referred to as "the service", is a free service provided by Sanlam that, after successful registration, allows you access to your product portfolio, tax certificates, statements and other services, as well as transacting, where relevant, for participating Sanlam businesses.
1.2. Participating Sanlam businesses include:
- 1.2.1.1. Sanlam Private Wealth
- 1.2.1.2. Glacier
- 1.2.1.3. Sanlam Collective Investments
- 1.2.1.4. Sanlam Individual Life
- 1.2.1.5. Sanlam Reality
- 1.2.1.6. Sanlam Employee Benefits
1.3. The service can be accessed via www.sanlam.com.
1.4. After authentication, and for your convenience, we may allow access to other secure Sanlam sites without requiring you to log on again.
1.5. Please make sure that you understand these Terms and Conditions as they constitute a binding agreement between you and Sanlam.
1.6. Terms and Conditions are also referred to as Ts&Cs or Terms of Use.
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This agreement
2.1. applies to users of Sanlam Secure Services
2.2. applies along with any other Ts&Cs that govern your products and services with Sanlam
2.3. becomes effective when you access the service for the first time
2.4. constitutes a binding agreement between you and Sanlam
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How does Sanlam make Ts&Cs available to you?
3.1. Ts&Cs for Secure Services are available on our website and as links on individual pages.
3.2. Sanlam may amend these terms from time to time. Should this happen, you will be required to accept the amended Ts&Cs before continuing use of the service.
3.3. You cannot use the system without accepting the latest Ts&Cs.
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Legal entities
4.1. For the purposes of this agreement Sanlam is defined as Sanlam Life Insurance Limited, as well as some of its subscribing or participating subsidiaries, business units and service providers as the case may be.
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Registration to use the service
5.1. In order to register, you need to own a product or service available from one of the participating Sanlam businesses.
5.2. Valid users include individuals acting on their own behalf, proxies (individuals acting on behalf of other individuals) and authorised representatives (individuals acting on behalf of non-natural entities).
5.3. You may not use false information or impersonate any person or entity during the process.
5.4. You agree that Sanlam may verify your cell phone number and/or email address, used during registration, with your service provider.
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Requirements to access the service
6.1. To access the service, you need a computer, cellular phone or other device (for example an iPad or Tablet) with internet connectivity.
6.2. You need to have a cell phone number and email address.
6.3. You are responsible for buying, installing and maintaining your connection to the internet and must pay all related costs and fees.
6.4. If you access the service via a cell phone, you need access to a cell phone and a SIM card.
6.5. You are responsible to buy your own cell phone and SIM card and register with a cellular service provider.
6.6. You are responsible to keep your devices safe by updating to the latest versions of operating and security software and by running reputable antivirus software.
6.7. You are not allowed to intentionally disable the security mechanisms on any computer, cell phone or other device used to access the service, with the aim to install unauthorised software, modify system or data files or preferences, or to bypass specific security features.
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How does the service work?
By accessing this service, you consent to the following:
7.1. In order to deliver the service, Sanlam uses the information you provide to identify your products and deliver a combined portfolio view across various Sanlam businesses – the list of which can change from time to time.
7.2. As you purchase additional products or services your portfolio summary automatically expands to include these.
7.3. Sanlam uses your information and online activity to continuously develop and improve the service.
7.4. Once you have successfully logged in, and depending on the products in your portfolio, you may be allowed to access other relevant Sanlam sites without logging in again.
7.5. The system makes use of cookies in order to provide the service. Cookies are text files containing small amounts of information, which your computer or mobile device downloads when you visit the website. Cookies help us to understand how the website is used, let you navigate between pages and generally improve your browsing experience.
7.6. To improve security, and depending on the functionality available to you, you may be required to enter a ‘One Time Pin’ (OTP) from time to time.
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Transacting
8.1. You authorise Sanlam to execute any transactions or instructions initiated through this service.
8.2. The normal transaction rules and requirements apply for instructions initiated through this service. Should you be required to provide additional documentation, Sanlam will contact you directly.
8.3. Although the service is deemed to be available 24/7, the normal daily transaction cut-off times and rules apply.
8.4. Due to time delays and other pending transactions, product information presented may be different on the administration platform when the instruction is received by Sanlam. If required, you will be contacted to provide an alternative.
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Allowing a person to act on your behalf
9.1. You can allow another person to act on your behalf by completing the required registration process.
9.2. Sanlam will act on all instructions received from this person as if it was from yourself.
9.3. This authorisation only applies to this service and does not apply when you engage with Sanlam through other servicing channels.
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Availability
10.1. The service is available seven days a week, 24 hours a day. It may, however, be unavailable from time to time due to routine maintenance, emergency repairs or circumstances beyond our control, for example, electricity blackouts or telecommunications network problems.
10.2. Product information presented on this channel may be delayed. You can always confirm the most recent product information by contacting Sanlam’s Client Contact Centre.
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Privacy
11.1. You consent and give Sanlam permission to process, which includes to collect and use personal information and browsing history for internal purposes, with the aim to provide and improve the service, keep a list of registered users and keep record of actions executed.
11.2. Sanlam will not share your personal information with any third party without your consent, unless ordered by a court of law to do so.
11.3. You agree to allow Sanlam to store cookies on your device.
11.4. Please also refer to Sanlam’s Privacy Policy and privacy statement available on www.sanlam.co.za.
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For your protection and security
12.1. Since we deal in a non-face-to-face environment, you must enter the correct credentials, for example username and password, every time you access the service.
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Protect your credentials
13.1. You must take all reasonable precautions to prevent unauthorised persons to access the service using your credentials.
13.2. Never show or give your credentials to another person, including employees of Sanlam.
13.3. Sanlam will never ask you to click on a link to confirm your credentials or personal information.
13.4. Sanlam will never ask you to provide or confirm your credentials via an e-mail, SMS or instant message.
13.5. If you suspect that someone else knows your username or password, please change it immediately or contact the Client Contact Centre to lock your account.
13.6. It is good practice to change your credentials from time to time, even if you do not suspect that someone else may have gained unlawful access thereto.
13.7. If you want to disable your account, please phone our Client Contact Centre. The details are available on the website.
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Protecting yourself
14.1. Information sent over unsecured networks or communication systems, can be unlawfully monitored, intercepted or accessed. Although Sanlam takes all reasonable steps to prevent this, the risk remains with you.
14.2. Please read and take note of the security tips and information available on the website from time to time.
14.3. It is recommended that you do not use public computers such as in internet cafes, but if you do, take special care as your credentials could be compromised.
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Restricted use
15.1. The service is the property of Sanlam.
15.2. You are not allowed at all to reverse engineer, decompile, disassemble or attempt to modify any part of the service.
15.3. You may not post or upload any content that is of an unacceptable, unethical or unlawful nature (for example, content that is threatening, libellous, defamatory, obscene, scandalous, inflammatory, pornographic or profane) or content that could potentially damage Sanlam’s image or reputation or impair its ability to do business. For this purpose, Sanlam will be entitled to monitor such content.
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No liability
16.1. Although we take reasonable care to prevent harm or loss to you, Sanlam will not be liable for any loss or damage you may suffer arising from your ability or inability to use the service. This will not apply where the loss arises due to Sanlam’s negligence or intent.
16.2. In addition to the above, Sanlam is not liable for:
- 16.2.1. Loss due to unauthorised interception or monitoring
- 16.2.2. Loss or damage if you did not take reasonable steps to safeguard your credentials
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Termination of service
17.1. We may end this service at any time or end your right to use the service after giving you reasonable notice.
17.2. We may also end your right to use this service immediately and without notice if:
- 17.2.1. You commit fraud or are suspected to do so
- 17.2.2. If we believe your use of the service was inappropriate, including uploading content as envisaged in 15.3
- 17.2.3. If the law requires us to do so
17.3. You may deactivate your account at any time by contacting our Client Contact Centre.
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Intellectual property rights
18.1. The service and all its contents, including web pages, software, text, graphics, icons, hyperlinks, private information and designs, are owned or licensed by Sanlam.
18.2. As the intellectual property rights, referred to immediately above, are protected against infringement by local and international legislation and treaties, it may not be used in any way without Sanlam or the licensor’s prior written consent.
18.3. To obtain Sanlam’s consent, please address the request to webmaster@sanlam.co.za.
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Jurisdiction and applicable law
19.1. Your use of this service will, for all purposes relating to its use, constitute your consent and submission to the jurisdiction of the High Court of South Africa (Cape of Good Hope Provincial Division).
19.2. Any claim arising from:
- The use or inability to use the website
- An application for, and the rendering of a service or providing of a product is subject to the laws of the Republic of South Africa ̶ in respect of both the basis of the claim [contract, delict (tort), or any other] and the law relating to procedure and evidence
19.3. All proceedings will be held in English and the unsuccessful party will be liable to pay all
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General provisions
20.1. No failure or delay by Sanlam to exercise any of its rights will be construed as a waiver of any such right.
20.2. If any of these Terms and Conditions is held to be invalid, unlawful or unenforceable, the term or condition will be deleted from the remaining Terms and Conditions which will continue to be valid to the full extent permitted.