Terms and Conditions

Quintin Heymans Insurance Advisor Terms and Conditions

Effective Date: October 26, 2023

These terms and conditions govern your use of the services provided by Quintin Heymans Insurance Advisor. By accessing or using our services, you agree to be bound by these terms.

1. Acceptance of Terms

By using our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. If you do not agree to these terms, please do not use our services.

2. Services Offered

Quintin Heymans Insurance Advisor provides expert guidance on various insurance classes in South Africa, including Short-Term Personal Lines, Short-Term Commercial Lines, Life Insurance, Investment, and Fiduciary services. We act as an advisor, not as an insurer. All insurance products are offered through our underwriting partnerships with leading insurance companies.

3. Insurance Provider Partnerships

We partner with various insurance providers, including but not limited to Santam, Old Mutual, Discovery, Hollard, and others. Please note that the specific insurance products and terms offered by these providers are subject to their own terms and conditions.

4. Financial Advice

Our services include financial advice. This advice is based on our expertise and understanding of the market. However, we are not financial advisors and cannot provide financial advice in all circumstances. You should seek independent professional advice where necessary.

5. Confidentiality

We are committed to maintaining the confidentiality of your personal information. We will handle your data in accordance with our Privacy Policy.

6. Limitation of Liability

Quintin Heymans Insurance Advisor will not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of our services.

7. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of South Africa.

8. Changes to Terms

We may update these terms and conditions from time to time. You are responsible for reviewing these terms periodically.

9. Contact Us

If you have any questions or concerns regarding these terms and conditions, please contact us at [Your Contact Email Address] or [Your Contact Phone Number].