PYK Contract including Continuous Amendments

44 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 o f 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. 21.5 The Policies do not accumulate cash or a surrender value and may not be used to secure a loan. 21.6 This Pukwana ya Kganya Contract constitutes the whole agreement between the parties as to the subject matter hereof and no conditions, stipulations, agreements, representations or warranties of whatsoever nature between the parties regarding the subject matter hereof other than those set out in this Pukwana ya Kganya Contract are binding on the parties.