Terms of Use Conditions

Terms for the use of the APBCO website

Last updated: 31 October 2026

1. Introduction and acceptance

This website is owned and operated by APBCO Consult, including its subsidiaries and affiliates (referred to as "APBCO Consult", the "Website Owner", "we", "us" or "our"). We provide the information on this website and any of its pages (the "website") to visitors (collectively "you" or "your") subject to these website terms and conditions, our Privacy Policy, and any other terms, policies or notices that apply to a specific section or module of the website.

By accessing or using the website, you agree to be bound by these terms. If you do not agree with any part of them, please do not use the website.

2. Information on the website

We make every effort to keep the information on this website up to date. However, neither the Website Owner nor any third-party data or content provider makes any representation or warranty, whether express, implied by law or otherwise, as to the accuracy, completeness, currency or reliability of the information, opinions, research, data or content on the website, including any information supplied by third parties (the "information"). We are not bound in any way by the information on the website.

You rely on the information on this website at your own risk. If you find an error or omission, please let us know so that we can correct it.

3. No advice, quotes and cover

• Product descriptions, benefits and illustrative figures are indicative only and may differ from the terms of the actual policy issued by the insurer or product provider.
• Quotes are not an offer of cover. Cover only starts once an application has been accepted by the insurer, the policy has been issued and, where applicable, the first premium has been received.
• Policy terms, exclusions, waiting periods, premiums and acceptance criteria are set by the relevant insurer or product provider and are governed by the policy documents.
• Personal advice is only given by our brokers after a proper needs analysis. Please speak to one of our brokers before making any decision about your insurance or estate planning.

4. Use of the website

We do not warrant that the information on the website is appropriate for use in any particular jurisdiction. By accessing the website, you warrant and represent that you are legally entitled to do so and to make use of the information made available through it. If you are under 18, you may only use the website with the involvement of a parent or legal guardian.

5. Acceptable use

You agree to use the website lawfully and responsibly. In particular, you agree not to use the website, including any contact or enquiry forms, to send or post any message or material that:

• is unlawful, threatening, harassing, abusive, defamatory, harmful or otherwise violates any applicable law;
• is indecent, vulgar, obscene, pornographic, sexually oriented, racially offensive or profane;
• contains false, misleading or fraudulent information, including false details in a quote request or application;
• contains viruses, malware or any code intended to disrupt, damage or gain unauthorised access to the website, our systems or other users' data; or
• infringes the intellectual property, privacy or other rights of any person.

You also agree not to use automated tools (such as bots or scrapers) to extract content from the website, or to attempt to interfere with its security or normal operation. We may suspend or restrict access, and report unlawful activity to the relevant authorities, where we believe these terms have been breached.

6. Trademarks and intellectual property

The trade marks, names, logos and service marks displayed on this website (collectively "trademarks") are registered and unregistered trademarks of the Website Owner. The content of the website, including text, graphics, images, design, layout and software, is owned by or licensed to us and is protected by copyright and other intellectual property laws.

Nothing on this website grants you any licence or right to use any trademark or content without our prior written permission. You may view and print pages for your own personal, non-commercial use, provided that you do not alter them and you keep all copyright and trademark notices intact.

7. External links

We may provide links to other websites for your convenience. These sites are beyond our control, and we make no representation about, and accept no responsibility for, their content, accuracy, security or privacy practices. Use of and reliance on any external link and its content is at your own risk, and you should read the terms and conditions of that website before using it. A link does not mean that we endorse the website or its owner.

You may not create a hypertext link to this website from any website you control or are associated with without our express prior written permission. If you would like to link to our website, or request a link to yours, please contact us.

8. Privacy and your personal information

We take your privacy seriously. How we collect, use, share and protect personal information is explained in our Privacy Policy, which forms part of these terms. Please avoid sending sensitive information (such as ID numbers, bank details or health information) by ordinary email or through general enquiry forms unless we have asked you to.

9. Warranties

To the fullest extent permitted by law, the website, the information and all material transmitted through our systems are provided "as is" and "as available". The Website Owner makes no warranties, representations, statements or guarantees, whether express, implied by law or otherwise, regarding the website, the information, or any material or personal information transmitted over our systems. This includes any warranty that the website will be uninterrupted, error-free, secure or free from viruses or other harmful components.

10. Disclaimer of liability

To the fullest extent permitted by law, the Website Owner, its directors, employees and affiliates, and any third-party data or content provider, will not be liable for, and disclaim all liability for, any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature that you or any third party (including your company) may suffer as a result of, or that may be attributable, directly or indirectly, to:

• your access to or use of the website, or your inability to access or use it;
• any information on the website, or any action you take or decision you make in reliance on it;
• any delays, inaccuracies, errors or omissions in the information or its transmission;
• the non-performance, interruption or termination of the website; or
• your personal information or material, or any information transmitted over our systems, including through unauthorised access that occurs despite our reasonable security measures.

Nothing in these terms excludes or limits any liability that cannot be excluded or limited under South African law, including liability under the Consumer Protection Act 68 of 2008 where it applies, or liability for gross negligence, fraud or wilful misconduct.

11. Indemnity

You indemnify the Website Owner against any loss, liability, damage or expense of any nature (including reasonable legal costs) that we or any third party may suffer which is caused by or attributable to, whether directly or indirectly, your breach of these terms or your use of the website to send or post any message or material that is prohibited under section 5.

12. Availability and changes

We may change, suspend or discontinue any aspect or feature of the website at any time without notice, including for maintenance or security reasons. We may also update these terms from time to time. The latest version will always be available on this page, and your continued use of the website after any update means you accept the revised terms.

13. General provisions

• Governing law: these terms are governed by the laws of the Republic of South Africa, and you agree to the jurisdiction of the South African courts.
• Severability: if any provision is found to be invalid or unenforceable, the remaining provisions will continue in full force.
• No waiver: a failure or delay by us to enforce any right does not mean we have given it up.
• Entire agreement: these terms, together with the Privacy Policy and any specific terms that apply to a section of the website, are the whole agreement between you and us regarding use of the website.

14. Contact us

If you have any questions about these terms, or you find an error or omission on the website, please contact us:

• Email: consult@apbco.co.za
• Telephone: 012 470 5500
• Address: 367 Queen's Crescent, Lynnwood, Pretoria, 0081, Gauteng