03
Fees and Charges
HCCHAny fees, charges, or commercial terms that may apply will be disclosed separately where relevant. We may decline or suspend any request, enquiry, or engagement at our discretion, subject to applicable law.
Acceptance of Terms
By accessing or using this website, you agree to these Terms and to any additional notices posted on the site. If you do not agree, you should not use the website or rely on its content.
Reference overview
The following sections provide the primary opening clauses and direct reference points for this document.
Section 01
Acceptance of Terms
By accessing or using this website, you agree to these Terms and to any additional notices posted on the site. If you do not agree, you should not use the website or rely on its content.
Section 02
Scope of Services
The website provides general information about insurance selection services for retirees and related support. Any guidance is informational only and does not create an obligation to accept, place, or arrange any insurance product or application.
Core Terms
Fees and Charges
Any fees, charges, or commercial terms that may apply will be disclosed separately where relevant. We may decline or suspend any request, enquiry, or engagement at our discretion, subject to applicable law.
04
User Obligations
UN DeclarationYou agree to provide accurate and complete information when submitting enquiries or other materials. You must not use the website for unlawful, misleading, or abusive purposes, or in a way that interferes with its operation.
Internal Conditions Board
Use conditions, rights handling, and reference controls
All content on this website, including text, layout, graphics, and logos, is owned by or licensed to Logic Sugar Clock unless stated otherwise. You may not copy, reproduce, modify, or distribute such content without prior written permission, except as allowed by law.
05
Clause Record
Intellectual Property
All content on this website, including text, layout, graphics, and logos, is owned by or licensed to Logic Sugar Clock unless stated otherwise. You may not copy, reproduce, modify, or distribute such content without prior written permission, except as allowed by law.
Reference
NCC South Africa
06
Clause Record
Disclaimer of Liability
The website and its content are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim warranties of accuracy, completeness, fitness for a particular purpose, and uninterrupted availability, and we are not liable for indirect or consequential loss.
Reference
WIPO
07
Clause Reference
Governing Law
These Terms are governed by the laws applicable in South Africa, without regard to conflict of law rules. Any dispute arising from the website or these Terms should first be raised with us in good faith before either party seeks other lawful remedies.
Filed ReferenceHCCH
08
Clause Reference
Changes to Terms
We may update these Terms from time to time by posting a revised version on this website. Continued use of the website after an update means you accept the revised Terms, and you should review this page periodically.
Filed ReferenceUN Declaration