Thari ya Baruti Terms & Conditions

58 15.5.7 offer additional financial products or services as requested by the Kganya Benefits Fund Trust from time to time for and in the interest of its Members; 15.5.8 share it with other business units and companies which are part of the Insurer’s group for the sole purposes of administering the Thari ya Baruti Pukwana ya Kganya Contract; and 15.5.9 share it with external benefit providers who are not part of the Insurer’s group in order to provide additional financial products or services as requested by the Kganya Benefits Fund Trust from time to time for and in the interest of its Members. 15.6 The Policyholder authorises the Insurer’s staff, representatives, the Insurer’s administrator, Kganya Insurance Administrators, contracted third-party service providers, applicable reinsurers and subcontractors to collect and process personal information from the Policyholder or any third party, including without limitation an Assured Life and Beneficiary. 15.7 This authorisation applies only for the above purposes. 16. Cancellation 16.1 The Insurer shall be entitled to cancel this Thari ya Baruti Pukwana ya Kganya Contract by means of 31 (thirty-one) days’ written notice to the Policyholder, or such longer period if specified by the Insurer, in the event that – 16.1.1 any fraud is committed in respect of the conclusion and/or maintaining of this Thari ya Baruti Pukwana ya Kganya Contract or Claims submitted in terms of this Thari ya Baruti Pukwana ya Kganya Contract, subject to the provisions of clause 13.1.3 of this Part I; and/or 16.1.2 any false and/or untrue representation was made to the Insurer (and/or to its administrator, Kganya Insurance Administrators) and/or if any relevant information was not disclosed to the Insurer (and/or to its administrator, Kganya Insurance Administrators) which materially affected the Insurer’s ability to assess the risk under this Thari ya Baruti Pukwana ya Kganya Contract at the date of conclusion or variation of this Thari ya Baruti Pukwana ya Kganya Contract. The Insurer considers at least the following matters material to its ability to assess the risk under this Thari ya Baruti Pukwana ya Kganya Contract, which list is not exhaustive and/or intended to limit the Insurer’s ability to assess the risks under this Thari ya Baruti Pukwana ya Kganya Contract: 16.1.2.1 if the age of Policyholder is misrepresented to be 18 (eighteen) years of age or above at the Inception Date, when it is not; and 16.1.2.2 whether or not the Policyholder meets the requirements for eligibility of Membership to the Kganya Benefits Fund Trust as specified in the Master Regulations; and/or 16.1.3 termination of this Thari ya Baruti Pukwana ya Kganya Contract is required as a result of any change in the Applicable Laws which cannot be remedied through the amendment of this Thari ya Baruti Pukwana ya Kganya Contract in accordance with the provisions of clause 14 of this Part I; and/or 16.1.4 if the Policyholder no longer qualifies as a Member of the Kganya Benefits Fund Trust; and/or 16.1.5 if the Policyholder is no longer a Church Official; and/or 16.1.6 the Kganya Benefits Fund Trust and/or the Insurer terminates the Premium Payment Agreement and/or its relationship, for whatever reason. 17. Effect of cancellation 17.1 Cancellation of this Thari ya Baruti Pukwana ya Kganya Contract shall not affect - 17.1.1 the Benefits payable where a Claim was approved by the Insurer prior to the date of cancellation of this Thari ya Baruti Pukwana ya Kganya Contract; or 17.1.2 a Claim if the Insured Event occurred prior to the date of cancellation of this Thari ya Baruti Pukwana ya Kganya Contract, provided that the Insurer receives notice of the occurrence of the Insured Event within 12 (twelve) Months from the date of the happening of the Insured Event. 17.2 No Benefit shall be payable where the Insured Event occurs after the cancellation of this Thari ya Baruti Pukwana ya Kganya Contract. 17.3 In the event that the Premium Payment Agreement and/or the relationship between the Insurer and the Kganya Benefits Fund Trust is cancelled or terminated for any reason whatsoever, this Thari ya Baruti Pukwana ya Kganya Contract will terminate and come to an end at the same time in accordance with clause 16.1.6 of this Part I, subject at all times to compliance with the Applicable Laws. 18. Cooling-off rights 18.1 The Policyholder is entitled to cancel this Thari ya Baruti Pukwana ya Kganya Contract within a period of 31 (thirty-one) days after the Inception Date, unless a Benefit has been claimed or paid, or an Insured Event has occurred (“ cooling off period ”). 18.2 If the Policyholder elects to cancel this Thari ya Baruti Pukwana ya Kganya Contract as contemplated in clause 18.1 of this Part I it shall be deemed that the Policyholder (in his capacity as a Member) similarly exercised his cooling-off rights in terms of his Membership to the Kganya Benefits Fund Trust, as provided for in the Master Regulations, whereby cover in terms of this Thari ya Baruti Pukwana ya Kganya Contract and Membership to the Kganya Benefits Fund Trust will come to an end at the same time. 18.3 The Policyholder must submit such cancellation instruction to the Insurer or its duly appointed administrator, Kganya Insurance Administrators, provided that notice to the Kganya Benefits Fund Trust for cancellation of his Membership, shall be deemed to also be notice to the Insurer for purposes of clause 18.1 of this Part I. 18.4 Premiums and Additional Premiums paid after the Effective Date in respect of an Existing Member shall be refunded in full to the Kganya Benefits Fund Trust pursuant to a Policyholder exercising the cooling-off rights during the cooling-off period in accordance with the terms of the Premium Payment Agreement. The Membership Contribution will similarly be refunded to the Policyholder as Member, in terms of the Master Regulations. 19. Complaints procedure 19.1 In the event of a complaint, such a complaint must be dealt with in terms of the Insurer’s complaint procedure applicable at the date of the lodging of the complaint. 19.2 A complaint may be lodged in the following manner: 19.2.1 By contacting – 19.2.1.1 the Insurer on telephone number (011) 359 3014 or via email at gbcomplaints@sanlamsky.co.za ; or 19.2.1.2 the Insurer’s duly appointed administrator, Kganya Insurance Administrators on telephone number 0800 000 538 or via email at complaints@ kganya.co.za. 19.2.2 The following information must be available: 19.2.2.1 Policy number as contained in the Membership Book referred to as the “ Control Number ”; 19.2.2.2 Identity number of the Policyholder; and 19.2.2.3 Nature of enquiry and/or complaint. 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.