PLEASE READ THIS USER AGREEMENT CAREFULLY BEFORE USING THE SITE. A. General Terms and Conditions of Use 1. Definitions 1.1. In this user agreement, the terms below have the following meanings: 1.1.1. "Securitas Apps" means any online application software that is provided by or is connected with Securitas that you install or download from an online application store and access via a mobile device, including any smartphone and/or tablet device. 1.1.2. "Site" means collectively our website/s and the Securitas Apps. 1.1.4. "website" means the internet websites with the address or any website with a URL that is validly registered to Securitas. 1.1.5. "you" and "your" means the user of the Site . 1.1.7 "Competent person" means anyone who is legally competent to consent to any action or decision being taken for any matter concerning a child, for example a parent or legal guardian. 1.1.8 "Processing of Information" means the automated or manual activity of collecting, recording, organising, storing, updating, distributing and removing or deleting personal information. 1.1.9. "personal information" means information relating to you or any other living person or existing legal entity, including but not limited to – · information relating to the race, gender, sex, pregnancy, marital status, national, ethnic or social origin, colour, sexual orientation, age, physical or mental health, well-being, disability, religion, conscience, belief, culture, language and birth of the person; · information relating to the education or the medical, financial, criminal or employment history of the person; · any identifying number, symbol, e-mail address, physical address, telephone number or other particular assignment to the person; · correspondence sent by the person that is implicitly or explicitly of a private or confidential nature or further correspondence that would reveal the contents of the original correspondence; · the name of the person if it appears with other personal information relating to the person or if the disclosure of the name itself would reveal information about the person, provided that such information is not in the public domain in the same or in a different format or held by a public body and publicly accessible. 2. Conditions of Access 2.1. Your access to, and use of, the Site is subject always to the community guidelines and terms and conditions set out in this user agreement. 2.2. To avoid any confusion, you agree these terms and conditions applies to your use of: 2.2.1. the website; 2.2.2. any Securitas Apps; 2.2.3. any third party website or mobile application licensed to us; Regardless of the platform, gateway, portal or mode of access you use to install, download or access the Site. Your cell phone provider may, depending on the type of contract you have, charge you for accessing the Site or for any usage of the Site (such as data charges, sms charges). Securitas cannot be held responsible for these charges. 3. Your Acceptance and Consent 3.1. By using the Site, you expressly agree to the terms and conditions of this user agreement. If you do not agree to all of the terms and conditions, please do not continue to use the Site. 3.2. When you install or download the Securitas Apps, you may be required to accept the terms and conditions or the end user license agreement (collectively, an "EULA") of a third party supplier or vendor. While the EULA is independent from these terms and conditions and establishes a separate legal relationship which you are bound by, you agree that, the EULA is part of this user agreement and will apply to your use of the Securitas Apps. 3.3. You agree that this user agreement applies to any information accessed via the Site, and to all sections of the Site. 4. Changes to this User Agreement 4.1. We may change the terms and conditions of this user agreement at any time. We recommend that you familiarise yourself with this user agreement regularly. 4.2. The most updated version of this user agreement will apply each time that you access and use the Site. 5. Your account 5.1. If you use the Site, you must keep your access details (including, your user name and password) confidential and not allow other people to use it. You also accept full responsibility for all activities that occur under your access details or password and accept responsibility for sharing your user name and password. You are only permitted to use one account. If you use more than one account we could delete all access. 5.2. Once you've logged onto the site once, certain information, functionality and other features of the site will be accessible the next time you access the Site without having to re-enter your password. 5.3. Securitas may refuse to provide products and/or services to you if we are unable to verify any information that you provide to us. 5.4. You agree that the following actions shall be material breaches of these terms and conditions: 5.4.1. signing in as, or pretending to be, another person; 5.4.2. transmitting material that violates, or could violate, the intellectual property rights of others or the privacy of others 5.4.3. using interactive services in a way that is intended to harm, or could result in harm to you or to other users of the Site; or 5.4.4. gathering information about others without obtaining their prior written consent. 5.5. You also agree that any use of your access details shall be regarded as if you were the person using such information. 5.6 Please note that the user name you choose is permanent and can only be amended at Securitas's discretion. 5.7 Securitas may determine certain requirements that you will need to meet when choosing a user name or password. These requirements may be changed from time to time and you may be required to update your credentials. 6. Full disclosure of all relevant facts and benefit entitlement 6.1. Securitas might need certain personal and financial information from you. It is in your best interest to keep this information current and accurate. 6.2. You guarantee that all information provided by you at any time to Securitas on or via the Site, will be true, accurate, current and correct and you undertake to update the information as and when required. 6.3. You guarantee that you have fully disclosed all facts, and agree that this user agreement or any transactions related to this user agreement will be void if you do not meet this requirement. 7. Electronic communication and records 7.1. When you visit the Site or send e-mails to us, you accept that we can communicate with you electronically. All records that you send to us may be stored electronically and with third parties, although these third parties are bound by the strictest levels of confidentiality. These electronic records shall be proof of the records, unless you can prove otherwise. 7.2. Any electronic communication (for example, an e-mail or SMS) sent to you will be regarded to have been received by you upon being sent by Securitas. This includes, but is not limited to mobile push notifications. 7.4. Securitas takes all reasonable steps to protect your personal information and maintain confidentiality, including the use of encryption technology. However, we cannot guarantee the security or integrity of any information you transmit to us online and you agree that you do this at your own risk. 7.5. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically meet any legal requirement that the communications be in writing. 8. Copyright 8.1. All content made available on the Site (for example, text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software) belongs to Securitas, unless we expressly state that it is not and is protected by South African and international law. In addition, the compilation of all content on the Site is the exclusive property of Securitas and is protected by South African and international copyright laws. 8.2. Except if permitted under this or another agreement with Securitas no portion of the Site may be copied or transmitted via any means available now or in the future. 8.3. Any unauthorised use, alteration or dissemination of the information or content on the Site is prohibited. 8.4. You agree that if you breach the terms of this clause 8, Securitas will have the right to claim damages against you, which will include the right to claim special, incidental, consequential or indirect damages. Securitas will also be allowed to claim for loss of profits and loss of business and will also be allowed to recover all legal costs on a scale as between attorney and own client. 8.5. Nothing on the Site should be regarded as granting any licence or right to use any trademark without Securitas's prior written permission and/or that of any third party. 8.6. Securitas tries to ensure that the most sophisticated technology protects the information on the Site. However, Securitas cannot be held responsible for any consequences that may result from the unlawful breach of copyright or unlawful dissemination of information by third parties copying information off the Site. If you suspect a breach or where a breach may have taken place and this comes to your knowledge, please contact us as soon as possible so that we can address the problem. 9. Disclaimer 9.1. The Site and all information, content, tools and materials are provided by Securitas on an "as is" and "and available" basis, unless we inform you in writing. 9.2. Securitas does not guarantee the operation of the Site or the information, content, tools or materials on the Site. You agree that you use the Site at your own risk. 9.3. Securitas does not guarantee that (i) the Site; (ii) the information, content, tools or materials included on the Site; (iii) the Securitas servers; or (iv) that any electronic communications sent by us are free from viruses or other harmful components. Securitas will not be liable for any damages of any kind arising from your use of the Site or from any information, content, tools or materials included on or otherwise made available to you through the Site, including for direct, incidental, punitive and/or consequential damages. 9.4. We are fully committed to providing you with the best possible service. However, we are not responsible for: 9.4.1. any interrupted, delayed or failed transmission, storage or delivery of information due to a power failure, equipment or software malfunction, natural disasters, fire, labour unrest, or any other cause beyond the reasonable control of Securitas; or 9.4.2. any inaccurate, incomplete or inadequate information obtained from the Site supplied by you. 9.5. Neither will we be responsible for any direct or indirect loss or damages that may arise from: 9.5.1. any of the events described in this paragraph or the paragraphs above9.5.2. your actions or omissions that result in a breach of this user agreement; 9.5.2. any links to other websites from the Site. You also acknowledge that we cannot control the content of or the products offered on those websites; 9.5.3. a denial of access to the website should we believe or have reason to believe that you are conducting activities that are illegal, abusive, would attack the integrity of the website or put Securitas in disrepute; or 9.5.4. your reliance on any of the information, content, tools or materials that you obtain from the Site. 9.6. It is very important that you acknowledge and understand that the information included on the Site should not to be regarded as either advice or an intermediary service in terms of the Financial Advisory and Intermediary Services Act of 2002. Please consult with your financial adviser should you require any financial services or financial products. 9.7. To the extent that clinical information may be provided on the Site, it is based on best practice and on current recommendations and guidelines. These obviously change from time to time. The information provided should by no means replace the advice of a registered healthcare provider. You should not discontinue any treatment you may be receiving on the basis of information reflected on this site without first consulting your healthcare provider. You should also seek professional advice immediately should any symptoms you may be experiencing persist. 10. The following will apply to the usage of the Financial Advisor: 10.1. You are aware that through the use of the Securitas website, you will gain access to personal information about third parties (clients, patients and employees). 10.2 You confirm that you will maintain the confidentiality of all personal information obtained from the site in line with the applicable legislation. 11. Indemnity 11.1. While Securitas makes every effort to ensure that the content and information on the Site is complete, accurate and up to date, we make no guarantee about the suitability of the products and services on the Site or whether they are complete accurate or appropriate. 11.2. You agree to fully indemnify Securitas, its directors, and employees, the board of trustees of the scheme and the employees of the scheme, and will not hold us responsible for any claim relating to your use of the Site. 11.3. You agree to fully indemnify Securitas, its directors and employees, the board of trustees of the scheme and the employees of the scheme, from any errors or inaccuracies or incomplete information made available by third parties (including healthcare professionals, advisors and/or experts) on the Site and agree that, we will not be liable for any loss or damages, including direct, indirect and consequential loss, that may arise from any disclosure to or by any third parties. 11.4. You agree that all information, including products and services or any terms or conditions relating to them, on the Site may change. Securitas will notify you of the important changes within a reasonable time. 11.5. You agree that any calculations made on the Site, (including any relating to your health) are estimates and are meant as guidelines only. 11.6. Securitas is not responsible for any mistakes in the performance of any calculators or interactive tools used in the calculations. 11.7. All products and services provided on the Site are subject to confirmation, and any terms or conditions relating to them, at the time of finalising any transactions. 11.8. You accept that some of the information, content, tools or materials on the Site come from external sources (including independent practitioners in the health and wellness industry), and you agree that Securitas is not responsible, and will not be held liable, for any information or content, received from these external sources. 12. Phishing and spoofing 12.1. If you receive an unsolicited e-mail that appears to be from Securitas and that requests you to provide personal information (such as your credit card number, user name, or password), or that asks you to verify or confirm your Securitas information by clicking on a link, it is most likely that the e-mail was sent by a "phisher" or "spoofer." 12.2. Securitas will never ask for this type of information in an e-mail, and we strongly recommend that you do not respond to these e-mails and that you do not click on the link. Responding to "phishing" places you and your personal information at risk. Securitas cannot be responsible for any consequences resulting from your response to any email sent by a "phisher" or a "spoofer". 12. Linking to third party websites 12.1. The Website may contain certain images and links to other third party websites with information, content or material produced by other parties. These linked third party websites are not under the control of Securitas and Securitas is not responsible for the information, content or material on any linked website, including, any link contained in a linked website, or any changes or updates to a linked website. 12.2. Securitas is providing these links to you only as a convenience, and you agree that the inclusion of links does not imply an endorsement by Securitas of the linked website, their business or security practices, or any association with its operators. 12.3. From time to time Securitas may employ the services of third parties to assist with the hosting and management of certain services and aspects of the Site. We apply every effort to ensure that our sub-contractors comply with our Privacy Statement and widely accepted security standards and they will be accountable for any non-compliance. 12.4. Should you have any queries arising from transactions you conclude with such third parties, you will be required to contact them directly. 13. Applicable law 13.1. By accessing and using the Site, you agree that the laws of the Republic of South Africa will govern this user agreement, and you consent to the jurisdiction of the South African courts in respect of any dispute which may arise from this user agreement. 14. General Provisions 14.1. The headings of the clauses in this user agreement is provided for convenience and ease of reference only, and will not be used to interpret, modify or amplify this user agreement. 14.2. If any provision of this user agreement is held to be illegal, invalid or unenforceable, that illegality, invalidity or unenforceability shall not affect the other provisions of this user agreement. 14.3. No failure or delay by Securitas to exercise any of its rights will be regarded as a waiver of its rights, nor will it affect the validity of any part of this user agreement. B. Privacy Statement This privacy statement is complementary to, and should be read and understood together with, the general terms and conditions of use set out in Section A above. 1. The General Principles of our Privacy Statement 1.1. The purpose of this privacy statement is to set out how we collect, use, share and otherwise process your personal information when you use the Site, register or apply online for any Securitas products or services, or when you contact Securitas electronically. 1.2. When you engage with us, you trust us with personal information about yourself, your dependents, beneficiaries, and your employees. We are committed to protecting your right to privacy. 1.3. You have the right to object to the processing of your personal information. It is voluntary to accept these terms and conditions. However, we require your acceptance to provide you with services such as activating and servicing your policy and benefits. 2. How we collect your Personal Information 2.1. Whenever you use the Site, complete an application form, contact Securitas electronically, or use one of the products, services, facilities, tools or utilities offered by Securitas on the Site, Securitas will collect your personal information. 2.2 We may have collected your information from other sources. If you share your personal information with any third parties, we will not be responsible for any loss suffered by you, your dependents, your beneficiaries, spouse or employees. 2.3 You understand that when you include your spouse and dependents on your application, we will process their personal information for the activation of a policy or benefit and to pursue their legitimate interest. We will furthermore process their information for the purposes set out in this privacy statement. 2.4 If you are giving consent for a person under 18 (a minor) you confirm that you are a competent person and that you have authority to give their consent for them. 3. Collect, share and use Personal Information 3.1. You agree that we may process your personal information for all purposes that relate to the Site and the products, services, facilities, tools or utilities offered on the Site as informative and successful as possible, it is necessary for Securitas to find out exactly what you need and want. 3.2 You confirm that we may share your personal information within the Securitas Group of companies for: · Administration · Fraud prevention · where necessary to provide Group-wide services, benefits and infrastructure to help you in your personal or professional capacity. 3.3 You also confirm that we may share and combine all your personal information for any one or more of the following purposes: 3.3.1 market, statistical and academic research; and 3.3.2 to customise our benefits and services to meet your needs 3.4 By accepting this privacy statement, you authorise us to obtain and share information about your creditworthiness with any credit bureau or credit provider's industry association or industry body. This includes information about credit history, financial history, judgments, default history and sharing of information for purposes of risk analysis, tracing and any related purposes. 3.5. Your privacy is important to us and we will therefore not sell, rent or provide your personal information to unauthorised third parties for their independent use, without your consent. 3.6 You agree that we may transfer your personal information outside South Africa: · if you give us an email address that is hosted outside South Africa; or · to administer certain services, for example, cloud services. We will ensure that any country, company or person that we pass your personal information to agrees to treat your information with the same level of protection as we are obliged to. 3.7 By you accepting these Ts and Cs we have the right to communicate with you electronically about any changes to your policy or benefits, including contributions or changes and improvements to the benefits you are entitled to on your policy. 3.8 We have a duty to keep you updated about any offers and new products that we make available from time to time. Any entity within the Securitas Group and contracted third-party service providers may communicate with you about these. Please let us know if you do not wish to receive any direct telephone marketing from us. 3.9 We may process your information using automated means (without human intervention in the decision making process) to make a decision about you or your application for any product or service. You may query the decision made about you. 3.10 We have the right to communicate with you electronically about any changes on your policy, including your contributions or changes and improvements to the benefits you are entitled to on the policy you have chosen. 3.11 Please let us know if you do not wish to receive any direct telephone marketing from us. 4. Protection of your Personal Information 4.1. Securitas values the information that you choose to provide and will take appropriate, reasonable technical and organisational steps to protect your personal information from loss, misuse or unauthorised alteration. The information Securitas has concerning Securitas clients is stored in databases that have built-in safeguards to ensure the privacy and confidentiality of that information. 4.2. When you use the products, services, facilities, tools or utilities provided by Securitas on the Site, you may be given an access number, user name, password and/or personal identification number (PIN). You must always keep your user name, access card, password and/or PIN a secret and ensure that you do not disclose it to anyone. 5. Correction of Personal Information 5.1. You have an obligation to notify us if any of your personal information held by Securitas changed or is no longer valid to ensure our records are up to date, you can e-mail us or you can phone our contact centre. 5.2 You have the right to know what personal information we hold about you. If you wish to receive a copy, please complete a form called an ‘Access Request Form' on and specify the information you would like. We will take all reasonable steps to confirm your identity before providing details of your personal information Please note that we are entitled to charge a legally allowable fee for this service and will let you know what it is at the time of your request. 5.3 You have the right to ask us to update, correct or delete your personal information. Where we cannot delete your personal information, we will take all steps to make it anonymous. You agree that we may keep your personal information until you ask us to delete or destroy it. This is unless the law requires us to keep it. 6. Personal Information held by or disclosed by you or Securitas to a third party 6.1. Because Securitas is not responsible for any representations or information or warranties or content on any third party website (including third party websites linked to this website, websites facilitated by us or websites that serve as social networks like Facebook or Twitter), Securitas does not exercise control over the privacy policies of these third parties and you should refer to the privacy policy of these third parties to see how they protect your privacy. 6.2. Securitas may enter into arrangements with its partners and other third party suppliers in order for them to provide services to you. Those arrangements may require us to disclose your personal information to them, whether in person or by means of an application or the Securitas App. 6.2.1 If a third party asks us for any of your personal information, we will share it with them only if: (a) you have already given your consent for the disclosure of this information to that third party; or (b ) we have a legal or contractual duty to give the information to that third party. 6.3 You agree that your personal information may be shared with third parties such as academics and researchers, including those outside South Africa. We ensure that the academics and researchers will keep your personal information confidential and all data will be made anonymous to the extent possible and where appropriate. No personal information will be made available to a third party unless that third party has agreed to abide by strict confidentiality protocols that we require. If we publish the results of this research, you will not be identified by name. If we want to share your personal information for any other reason, we will do so only with your permission. 6.4 If we become involved in a proposed or actual merger, acquisition or any form of sale of any assets, we have the right to share your personal information with the third parties in connection with the transaction. In the case of a merger, acquisition or sale, the new entity will have access to your personal information. The terms of the Privacy Statement will continue to apply. 7. Cookies and Online advertising 7.1. Securitas uses cookies. We use the word "cookie" to refer to information that is sent from the Site to your hard drive, where it is saved. In this way, the next time you use the Site, Securitas will know who you are and that you have visited the Site before. We also collect information about how you use the website, your preferences and past browsing history. 7.2. Securitas engages third parties that help us deliver banner advertisements and other online communications. The third parties may collect and use information about Securitas customers to help us understand the offers, promotions, and types of advertising that are most appealing to our customers. The personal information they collect is aggregated and cannot be linked to a person. 7.3. Third party vendors, such as Google Marketing Platform, show Securitas ads on sites on the internet. 7.4. Third party vendors, such as Google Marketing Platform, use cookies to serve ads based on a user's prior visits to Securitas's website. 7.5. Users may opt out of Google Marketing Platform's use of cookies by visiting the Google advertising opt-out page or by visiting the Network Advertising Initiative opt out page. 8. Changes to this Privacy Statement 8.1. Securitas may amend this privacy statement at any time. We will give you notice of any material changes within a reasonable time, however, we recommend that you familiarise yourself with this privacy statement regularly. 8.2. The most updated version of this privacy statement will govern the respective rights and obligations between you and Securitas each time that you access and use the Site 9. Which laws apply to this Privacy Statement 9.1. This privacy statement is governed by the laws of the Republic of South Africa, and you consent to the jurisdiction of the South African courts in respect of any dispute which may arise out of or in connection with the formation, interpretation, substance or application of this privacy statement. 10. Use personal information contrary to the privacy statement If you believe that we have used your personal information contrary to this Privacy Statement, you must first attempt to resolve any concerns with us. If you are not stratified after this process, you have the right to lodge a complaint with the Information Regulator, under the Protection of Personal Information Act. The contact details are: The Information Regulator (South Africa) SALU Building 316 Thabo Sehume Street, PRETORIA