Terms of Use

1. Acceptance of Terms

By accessing and using the YachtInsurance.co.za website ("the Website"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Website.

2. Nature of Our Service

YachtInsurance.co.za is a yacht and marine insurance referral service operated by Cover4You. We are not a licensed Financial Services Provider (FSP) as defined under the Financial Advisory and Intermediary Services Act (FAIS), No. 37 of 2002. We do not provide financial advice, insurance recommendations, or insurance products.

Our service connects visitors seeking yacht insurance with licensed insurance brokers and advisers who are registered with the Financial Sector Conduct Authority (FSCA). The licensed brokers we refer you to are responsible for all financial advice and insurance products.

3. Information on the Website

The content on this Website is provided for general informational purposes only. It does not constitute financial advice, insurance advice, or a recommendation to purchase any particular insurance product. All content should be verified with a licensed insurance broker before making any decisions.

While we endeavour to keep information accurate and up to date, we make no warranty or representation (express or implied) about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics on the Website.

4. Quote Form Submissions

By submitting a quote form on this Website, you consent to:

• Your personal information being shared with one or more licensed marine insurance brokers
• Those brokers contacting you by phone or email regarding your enquiry
• Being bound by our Privacy Policy regarding how your information is handled

You acknowledge that submitting a quote request does not create a binding insurance contract and that you are under no obligation to proceed with any quote provided.

5. Third-Party Brokers

The licensed brokers to whom we refer you are independent of YachtInsurance.co.za. We do not control their conduct, advice, or the insurance products they offer. We are not responsible for:

• The quality, accuracy, or suitability of any advice provided by referred brokers
• Any insurance products sold or recommended by referred brokers
• Any disputes between you and a referred broker
• The financial soundness or conduct of any underwriter or insurer

If you have a complaint about a referred broker, contact the broker directly, or escalate to the FSCA or the FAIS Ombud (0860 324 766 | www.faisombud.co.za). For product complaints, contact the Ombud for Short-Term Insurance (OSTI) at www.osti.co.za.

6. Intellectual Property

All content on this Website — including text, graphics, logos, images, and software — is the property of YachtInsurance.co.za or its content suppliers and is protected by South African and international copyright laws. Reproduction of any content without our prior written permission is prohibited.

7. Limitation of Liability

To the maximum extent permitted by applicable law, YachtInsurance.co.za and Cover4You shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of, or inability to use, the Website
• Any reliance on information contained on the Website
• Any insurance advice or products provided by referred brokers
• Any unauthorised access to or alteration of your information

8. Links to Third-Party Websites

The Website may contain links to third-party websites for your information and convenience. We do not endorse and are not responsible for the content, privacy practices, or availability of any linked website.

9. Governing Law

These Terms of Use are governed by the laws of the Republic of South Africa. Any disputes arising from these terms shall be subject to the jurisdiction of the South African courts.

10. Changes to These Terms

We reserve the right to amend these Terms of Use at any time. Amended terms will be posted on this page with an updated effective date. Your continued use of the Website following any changes constitutes acceptance of the revised terms.

11. Contact

For any questions regarding these Terms of Use, please contact us at: hello@cover4you.co.nz