These Terms and Conditions (“Terms”) govern your access to and use of the website firstafricalife.co.za (the “Website”) and services offered by First Africa Life (Pty) Ltd (“First Africa Life,” “we,” “us,” or “our”), a South African pure term life insurance company registered with the Financial Sector Conduct Authority (FSCA). First Africa Life (Pty) Ltd is an authorised Financial Services Provider, licensed and regulated by the Financial Sector Conduct Authority under the Financial Advisory and Intermediary Services Act, 37 of 2002 (FAIS) FSP No. 53816
By accessing the Website or using our services, you agree to these Terms. If you do not agree, do not use the Website.
Acceptance of Terms
These Terms form a binding agreement between you and First Africa Life. We may update them at any time; continued use constitutes acceptance of changes.
We may amend these Terms from time to time. Any material changes will be communicated through the Website or via electronic communication and will apply prospectively only. The latest version is always at firstafricalife.co.za/terms.
You must be 18+ to use our services, per South African law.
Description of Services
We provide information on term life insurance products, online quotes, policy applications, premium payments, claims submission, and customer support.
Services are offered subject to product disclosure documents, policy terms, and FSCA regulations. Term life covers death benefits only, no savings or investment components.
Availability may vary; not all features in all regions. The information, tools, quotations and content made available on this website do not constitute financial advice, intermediary services or a recommendation as contemplated in FAIS.
User Eligibility and Accounts
You must provide accurate information during registration or applications. Accounts are personal; do not share credentials. You are responsible for all activity under your account.
We may suspend/terminate accounts for breach, fraud, or legal reasons, with notice where possible. By submitting information or documents through the Website, you grant us a limited, non-exclusive consent to use such content solely for the purposes of policy administration, underwriting, claims processing, regulatory compliance and service improvement, in accordance with the Protection of Personal Information Act, 4 of 2013 (POPIA).
Use of the Website
Permitted: Browsing information, obtaining quotes, applying for policies, making payments.
Prohibited:
- Illegal activities, fraud, or misrepresentation (e.g., false health info).
- Reverse engineering, scraping, or unauthorized data collection.
- Transmitting viruses, spam, or harmful code.
- Impersonating others or violating third-party rights.
- Commercial use without permission.
We monitor usage and cooperate with authorities.
All quotations are based on information provided by the user and are indicative only. final premiums and acceptance are subject to underwriting.
Intellectual Property
All Website content (text, logos, designs, software) is owned by us or licensors and protected by South African copyright, trademark, and design laws.
Limited license: Personal, non-commercial use. No reproduction, distribution, or derivative works without written consent.
“First Africa Life” and logos are trademarks; unauthorized use prohibited.
User Content
Submitted content (e.g., application forms, claims docs) grants us a perpetual, royalty-free license to use for service delivery, compliance, and improvement.
You retain ownership but warrant it is lawful, accurate, and non-infringing. We are not liable for user content.
Quotes and Applications
Online quotes are estimates based on provided info; actual premiums confirmed post-underwriting.
Applications are offers; acceptance via policy issuance. We may decline based on risk assessment.
Changes require written notice; misrepresentation voids coverage.
Payments and Billing
Payments via secure gateways (e.g., PayFast, EFT). You authorize recurring debits for premiums.
All fees in ZAR; refunds per policy terms and Consumer Protection Act.
Report disputes within 30 days.
Policies and Claims
- Policy contracts are separate; these Terms do not amend them.
- Claims must follow policy procedures; late submissions rejected.
- We investigate claims fully; fraud leads to denial and reporting.
Disclaimers
- Services provided “as is.” No warranties of fitness, merchantability, or uninterrupted access.
- Quotes/info not financial advice; consult advisors. We disclaim liability for errors or decisions based on Website content.
- Force majeure (e.g., outages, disasters) excuses performance.
Limitation of Liability
To the fullest extent permitted by law:
No liability for indirect, consequential, or punitive damages (e.g., lost profits).
Direct liability capped at premiums paid in last 12 months.
Excludes gross negligence or willful misconduct. Consumer Protection Act protections apply where relevant.
Indemnity
You indemnify us against any loss arising from your unlawful use of the Website or breach of these Terms, to the extent permitted by law.
Termination
We may terminate access anytime for breach, with/without notice.
Upon termination, obligations survive (e.g., payments, confidentiality).
Governing Law and Dispute Resolution
South African law applies; jurisdiction in Johannesburg courts. Disputes first via internal complaints, then FSCA Ombudsman, Arbitration Foundation (AFSA), or courts. No class actions; individual resolution only.
Electronic Communications
You consent to electronic notices (email, Website). No paper required.
Comply with ECT Act for validity.
Privacy
Your data handled per our Privacy Notice, compliant with POPIA.
Cookies
We use cookies; see Cookie Notice. Manage via settings.
Third-Party Links
Links are for convenience; we endorse none. Use at own risk.
Complaints
Email complaints@firstafricalife.co.za or call +27 75 942 0417.
Escalate to FSCA (fsca.co.za) or National Financial Ombud Scheme (NFO).(www.nfosa.co.za)
Severability
Invalid provisions severed; remainder enforceable.
Entire Agreement
These Terms, Privacy Notice, and policy documents constitute the full agreement.
Last Updated: February 10, 2026
Contact: terms@firstafricalife.co.za | First Africa Life (Pty) Ltd, Rosebank Office Park, 181 Jan Smuts Avenue, Parktown North.