Master Regulations

26 Membership to the Trust, such Complaints shall be lodged with the Administrator in the following manner: 16.1.1 by email to complaints@kganya.co.za; or 16.1.2 telephonically to 0800 000 538; or 16.1.3 via any of the Kganya Service Centres whose details are set out in Annexe A.6 , as amended from time to time, and which details can be found on the website of the Administrator at https://mykganya.com . 16.2 Any complaints in respect of the Insurance Contracts must be directed to the Insurer, or to the Administrator on behalf of the Insurer, as set out in the Insurance Contracts. 17. Cooling-Off 17.1 A Member is entitled to cancel his/her Membership to the Trust within a period of 31 (thirty-one) days from the Date of Payment of the initial Membership Contribution, unless a Benefit has been claimed or paid. 17.2 If a Member elects to cancel his/her Membership to the Trust as contemplated in regulation 17.1, it shall be deemed that the Member similarly exercised his/her cooling-off rights in terms of the Insurance Contract. The insurance cover and benefits will, in such event, be dealt with in the manner prescribed in the Insurance Contracts. 17.3 Notice by the Member to cancel his/her Membership in terms of regulation 17.1, shall be deemed to be notice to the Insurer in terms of the Insurance Contracts, and vice versa , whereby cover and benefits in terms of the Insurance Contract and Membership to the Trust will come to an end at the same time. 17.4 The Trust shall in such instance repay the initial Membership Contribution and the Membership Book Purchase Price to the Member and such former Member shall not have – 17.4.1 any Claim and/or entitlement to the Benefits in terms of the Trust Deed, these Master Regulations and/or the Regulations; and