Our Terms of Use

Effective Date: May 2026

1. Acceptance of Terms

By accessing or using this website, you agree to be legally bound by these Terms of Use.

If you do not agree to these terms, you must immediately discontinue use of the website.

2. Regulatory Status

Loyalty Life operates within the South African financial services environment and may provide services subject to:

• the Financial Advisory and Intermediary Services Act (“FAIS”);
• the Financial Sector Regulation Act;
• FICA;
• POPIA; and
• other applicable legislation.

Nothing on this website constitutes regulated financial advice unless expressly stated otherwise and provided through an authorised and properly mandated representative.

3. No Financial Advice

The information contained on this website:

• is provided for general informational purposes only;
• does not constitute financial advice, intermediary services, investment advice, tax advice, legal advice, or insurance recommendations;
• should not be relied upon as the sole basis for any financial decision.

Users should obtain independent professional financial advice from a qualified and authorised financial adviser before making financial, insurance, investment, or credit decisions.

No fiduciary relationship is created merely through use of this website.

Website content does not constitute:

• an offer to sell financial products;
• a recommendation;
• a solicitation;
• a guarantee of financial performance or returns.

4. Product Information Disclaimer

Any product descriptions, premium indications, illustrations, quotations, or benefit examples:

• are indicative only;
• may be subject to underwriting;
• may change without notice;
• do not constitute binding offers.

Final terms and pricing remain subject to:

• insurer approval;
• underwriting;
• policy wording;
• applicable legislation.

5. User Conduct

Users may not:

• use the website unlawfully;
• upload malicious code or malware;
• attempt unauthorised access;
• interfere with website security or operations;
• misuse client or confidential information.

6. Intellectual Property

All website content including:

• trademarks;
• logos;
• graphics;
• text;
• software;
• branding;
• downloadable materials,

remain the property of Loyalty Life or its licensors.

No content may be copied, reproduced, distributed, or commercially exploited without prior written consent.

7. Electronic Communications

By using this website or communicating electronically with Loyalty Life, you consent to receiving electronic communications and notices.

Electronic records and communications shall be admissible and valid to the fullest extent permitted by South African law.

8. Limitation of Liability

To the fullest extent permitted by law, Loyalty Life shall not be liable for:

• direct or indirect damages;
• financial loss;
• loss of profits;
• data corruption;
• website interruptions;
• cyber incidents;
• reliance on website information.

All website use is entirely at the user’s own risk.

9. Third-Party Websites

The website may contain links to external websites or third-party platforms.

Loyalty Life does not endorse or accept responsibility for:

• external content;
• third-party security;
• external privacy practices;
• products or services provided by third parties.

10. Availability of Website

We do not guarantee uninterrupted access to the website and reserve the right to:

• suspend;
• modify;
• withdraw; or
• restrict

website functionality at any time without notice.

11. Privacy and PAIA

Use of this website is subject to:

• our Privacy Policy; and
• our PAIA Manual.

12. Governing Law

These Terms of Use are governed by the laws of the Republic of South Africa.

Any disputes shall be subject to the jurisdiction of South African courts.

13. Amendments

Loyalty Life reserves the right to amend these Terms of Use at any time.

Continued use of the website after amendments constitutes acceptance of the revised terms.