Pukwana ya Kganya Contract

41 19.2.3 Complaints which are not resolved to the Policyholder’s satisfaction must first be referred to the Insurer’s Legal & Compliance department. 19.2.4 Complaints which are still not resolved to the Policyholder’s satisfaction may be referred to the Insurer's arbitrator. 19.2.5 Complaints which are still not resolved may be referred to the Ombudsman for Long-term Insurance, the FAIS Ombud or the Financial Sector Conduct Authority. 20. Unclaimed Benefits 20.1 An unclaimed Benefit is when the Insurer becomes aware that there is a Claim for a Benefit to be paid, but the Beneficiary cannot be found to pay the Claim. 20.2 In such case, the Insurer will start the process of tracing the Beneficiary. 20.3 If the process does not match the rightful owner with the Benefit, the Insurer shall repeat the tracing process within a 3 (three) year period and again within 10 (ten) years if the Benefit remains unclaimed. 21. General 21.1 Save as is expressly provided for in this Pukwana ya Kganya Contract, no provision of this Pukwana ya Kganya Contract constitutes a stipulation for the benefit of a third person (i.e. a stipulatio alteri ) which, if accepted by the person, would bind any Party in favour of that person. 21.2 A person shall not have a claim or right of action arising from any undertaking, representation or warranty not included in this Pukwana ya Kganya Contract. 21.3 The grant of any indulgence, extension of time or relaxation of any provision by the Insurer under this Pukwana ya Kganya Contract shall not constitute a waiver of any right by the Insurer or prevent or adversely affect the exercise by the Insurer of any existing or future right. 21.4 Other than as contemplated in clause 7.4.4 of Part IV, the rights and/or obligations under and to the Policies and/or any Benefits payable in terms of the Policies may not be ceded or assigned.