Terms of Service

"ResQ Health", "we", "us", "our" — ResQ Health (Pty) Ltd, Registration 2023/098002/07, FSP 53632.

"Services" — The website, broker portal, quote forms, and all related online services.

"User", "you", "your" — Any person accessing or using our Services.

"Broker" — An authorised financial services provider registered with us.

You agree to use our Services only for lawful purposes and in accordance with these Terms. You must not:

• Use the Services in any way that violates applicable laws or regulations.
• Impersonate any person or entity, or falsely state your affiliation.
• Submit false, misleading, or fraudulent information through any form.
• Attempt to gain unauthorised access to any part of the Services.
• Use the Services to transmit viruses, malware, or harmful code.
• Interfere with or disrupt the proper functioning of the Services.

Access to the broker portal is restricted to registered and approved brokers. By registering, you confirm:

• You are an authorised financial services provider in your jurisdiction.
• All information provided during registration is true and accurate.
• You will maintain the confidentiality of your login credentials.
• You are responsible for all activity under your account.
• You will promptly notify us of any unauthorised use of your account.

All content on this website — including text, graphics, logos, images, documents, and software — is the property of ResQ Health or its licensors and is protected by copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

Our Services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding:

• The accuracy, completeness, or reliability of any information on the website.
• The uninterrupted or error-free operation of the Services.
• The suitability of any insurance product for your specific needs.

To the fullest extent permitted by law, ResQ Health shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Services. This includes loss of data, business interruption, or any other commercial damages or losses.

Our Services may contain links to third-party websites (insurer portals, regulatory bodies, ombudsman services). We do not endorse or assume responsibility for the content, policies, or practices of any third-party sites.

Your use of our Services is also governed by our Privacy Policy and Cookie Policy, which explain how we collect, use, and protect your personal information.

We reserve the right to suspend or terminate access to our Services at any time, without prior notice, for conduct that we believe violates these Terms or is harmful to ResQ Health, other users, or third parties.

These Terms shall be governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the South African courts.

We may modify these Terms at any time. Changes will be posted on this page with an updated date. Continued use of the Services after changes constitutes acceptance of the revised Terms.