Definitions

In this agreement the words below shall mean:

- A client is someone who has an active short-term policy with us. This includes any members of your   family, who are covered under your policy
- A non-client is someone who does not have an active policy with us but who is 18 years or older and   qualifies to use our services.
- The words "us", "we" or "our" refer to Pineapple Tech.;
- The words "you" or "your" refer to a client or a non-client.

This agreement is a binding agreement between you (client or non-client) and us
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This agreement sets out the Terms and Conditions governing your use of the services provided for through the Pineapple app, so it is vital that you read it carefully..

If you are uncertain and do not agree with the Terms and Conditions, Privacy Policy, Disclaimer or other annexures that should be read in conjunction with these Terms and Conditions, then you should not accept them.

Please note that we will only be able to provide you with the services in the event that you have accepted the Terms and Conditions of this agreement by clicking on the "REGISTER" or/and "CONFIRM" button when registering with us and by making use of the services offered by the app.

By clicking on the "REGISTER" or/and "CONFIRM""SUBMIT" or "ACCEPT" button, you further hereby consent that we may send you promotional material or details about our products and services which we think may be of interest to you.

The use of this Pineapple app and associated services shall not be available to any persons under the age of 16.

This agreement shall start when you: download the software that enables you to access the services on our Pineapple app and when you register and accept the Terms and Conditions applicable; or use the services available on our Pineapple app.

By the continued use of the app you agree that you consent to the newest version of the terms and conditions which may change from time to time and can be accessed here (https://www.pineapple.co.za/terms-only).


Pineapple App‍

‍When you download the Pineapple app and finalise registration on your smartphone or tablet, you will be bound to these Terms and Conditions as soon as you make use of any of the services offered. Should you decide that you do not want to be bound by these Terms and Conditions before making use of the services, please uninstall the Pineapple app..

Pineapple grants you the right to install and use the Pineapple app on multiple devices that you control for the sole purpose of accessing the available services.

You are responsible for ensuring that your mobile device is capable of downloading the Pineapple app. No fee is payable for the downloading of the Pineapple app.

You are however responsible for paying all charges and costs of the network service provider that you incur when using the service channels, i.e. data charges.
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To ensure that the Pineapple app operates correctly, you must use the recommended hardware and software. The Pineapple app has been designed to operate with your mobile device or tablet according to the manufacturer's specifications. Modifying the device or its operating system may result in the Pineapple app not operating properly or not operating at all.

For full functionality the app requires Android version 5 and up, as well as iOS version 8 and up. Older versions may experience difficulties or have limited app usage available.

You must also check for software updates regularly as these may contain certain important updates for the functioning of the Pineapple app.

It shall be your responsibility to delete or remove the Pineapple app from your mobile device if you transfer or sell your mobile device to a third person and we will not be held liable for any loss or damages should you fail to do so.

The right to use the Pineapple app is revocable, should we deem it necessary and appropriate.

Use of services of the Pineapple app
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Once the Pineapple app is downloaded and you have registered, you will have access to use the services as provided for through the Pineapple app.

The following services are available in respect of the Pineapple app:
- Promotions
- Qualifying
- Deposits
- Referrals
- Community Engagement


Promotions
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‍We may, from time-to-time, run Promotions and these may take the form of bonus offers (whether real-money bonuses or some other form of incentive), prize draws, competitions, rewards programs, contests, leagues, tournaments or other form of Promotion, or a combination of any of these.

The particular form of Promotion will be described, and full details set out, in the communications (such as e-mails, computer pop-ups and letters) we issue to tell you about each Promotion (each a Promotion Communication) and/or on the individual web landing page for the relevant Promotion.

For the purposes of all Promotions, the promoter is the entity you have contracted with under the Terms and Conditions of Use ("We", "Us" and "Our").

The period of time during which each Promotion will run (Promotion Period) will be specified in the applicable Specific Promotional Terms. Each Promotion will automatically close at the end of the relevant Promotion Period, at which point no further participation in that Promotion will be possible. Where no Promotion Period is specified the relevant Promotion will end when it is discontinued on the Platform.

To be eligible to participate in any Promotion, You must:
(a) be eighteen (18) years of age or older, or the legal age of majority in Your home country, state or province;
(b) be legally entitled to use our services in accordance with Our Terms and Conditions of Use;
(c) if the Promotion is specifically intended for players who are residents of and/or located in a particular country as stated in the applicable Specific Promotional Terms, be a resident of and/or located in that country;
(d) unless the applicable Specific Promotional Terms indicate that a "no purchase necessary" route is available and subject to section 5.2 below, have successfully completed registration on the Platform for the relevant service and opened a real money player account (Account) in accordance with Our Terms and Conditions of Use;
(e) satisfy any other eligibility criteria set out in the relevant sections of these Standard Promotional Terms in respect of certain general categories of Promotion and in the applicable Specific Promotional Terms; and
(f) not be an Unauthorised Person (as defined in section 6, below);

To be eligible to participate in any Promotion which is stated to be intended for new users or which is described as a "new user" or "sign up" offer (or similar), You must not previously have opened and made a deposit into an Account on any of Our Services. Such Promotions may not be used in conjunction with any other Promotion.

The identity of each participant in a Promotion will be determined from all or any combination of the following: name, address, email address, credit/charge/debit card number, IP address and other forms of identification which may be required. We reserve the right to request further information from you if you wish to participate in certain Promotions

Unless otherwise indicated in the Promotion Communication, participation in each Promotion is open to players from any of Our Platforms but is limited to one per person, family, household, address or organisation to whom we send the Promotion Communication.

We reserve the right to restrict participation in certain Promotions to members who fulfill specific selection criteria. Where a Promotion Communication permits multiple participants, we reserve the right, in our sole discretion, to limit the number of participants.

Unless otherwise indicated in the Promotion Communication, it is intended for the addressed recipient or category of recipient only and cannot be transferred. If you are not the intended recipient or within the intended category of recipient then the offer is null and void.

Officers, directors, employees, consultants or agents of Pineapple or any of its subsidiaries, parent or associated companies, or any of its or their respective suppliers or vendors (including advertising, printing and publicity agencies) or any officers, directors, employees, consultants or agents of any entity connected with any Promotion, or relatives of any of the foregoing persons, "relative" shall include, but not be limited to, a spouse, partner, child or sibling and any person residing in the same household as any of the foregoing persons.

Unauthorized Persons are not permitted to participate in any Promotion.

If a non-Qualifying User participates in any Promotion, We reserve the right, without prejudice to any other rights under the Rules, to seek the return of any bonus, payment, award or other prize, including from that user’s Account.

We reserve the right, at Our sole discretion, to disqualify any player who cheats or who tampers or attempts to tamper with the entry process for, or the operation of, any Promotion, or whose conduct is in breach of the Rules, contrary to the spirit of the Rules or the intention of the relevant Promotion, or might, in Our reasonable opinion, bring Us, any of Our Group companies or any of Our or their respective brands into disrepute.

Pineapple reserves the right to change the value of rewards points or promotional items or the cost of rewards at any time and to limit access to rewards to any person of their choosing, at the sole discretion of Pineapple

You agree to repay any voucher amounts that are issued to you as a result of falsified transactions created, including but not limited to such events such as creation as false accounts and policies where the intention is not to retain cover.

With regards to promotions including, but not limited to, challenges such as "Drive Less, Get Blessed"^TM Pineapple reserves the right to terminate or amend such promotions at any time at Pineapple's sole discretion.
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Qualifying Deposits
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‍Unless the applicable Specific Promotional Terms indicate that a "no purchase necessary" route is available (or such other dispensation is available), participation in any Promotion is subject to You having made the required minimum deposit as may be required from time-to-time into Your Account, once opened, (Qualifying Deposit) unless the Specific Promotional Terms specify that a different Qualifying Deposit amount is required.

Transfers made between user Accounts (user transferring money to user "B") and reverse cash outs do not qualify as deposits for the purpose of any minimum Qualifying Deposit requirements


Referrals
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‍The Refer and earn referrals service is only available to clients and staff members. When using the Refer and earn service, you hereby consent to us accessing the contacts from your device in order to gather their contact details. In the event that the contact details are not on your phone, you agree to provide the details of the person you wish to refer, manually through the application.

The FAIS Act states that a person who is not an authorised Financial Services Provider (FSP), accredited or is not a mandated representative of a FSP is not permitted to give advice on financial products or provide any financial intermediary services to any other person.

No referrer is allowed to give advice or intermediary services in respect of any financial service including but not limited to insurance, to prospective policy holders or act as an in-between insurance agent in any way.

Insurance law prohibits inducement and therefore no Referrer may offer a referee an incentive to become a policy holder with us. Therefore a referrer may not bring any prospective policy holder under the impression that he/she may be obliged in any way to take out a policy with us.

You must always act in accordance with the Terms and Conditions as set out above.

We will not be liable for any illegal or unlawful actions or misrepresentations made by the Referrer to the Referee in respect of this service or any Pineapple products. The referrer is not mandated to act as a representative, agent or authorised to incur any obligations or liabilities on our behalf or to give any warranties, representations or undertakings of any nature on our behalf


Privacy
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‍We respect your privacy and therefore any information obtained through the use of our services on the app is subject to the Terms and Conditions as set out in our Privacy Policy (Also outlined below under "Privacy Policy"). Our Privacy Policy explains how, why and when we collect, use, share and store your personal information.


Intellectual property
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‍You are not permitted to use any of our logos, trademarks, slogans or any other device or form of intellectual property belonging to us in general and in particular relating to the services through this Pineapple app.

You may not copy, reproduce, display, reverse engineer or use any intellectual property in any manner whatsoever without our prior written consent.

By using Pineapple services and Application you agree to not copy content, processes, user experience, designs and methodologies in order to provide any service that is competitive or to create derivative works thereof.

Unauthorised or unlawful use of our intellectual property will result in us taking legal action you.


Amendment of agreement
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‍We have the right to amend or add new Terms and Conditions for the use of the service channels or value add services at any time. Whenever we materially change this agreement, we will electronically update this agreement, the Privacy Policy, the Disclaimer and the other annexures that are applicable. We will notify you of the updated version. If you do not agree with the amendments and fail to notify us of your intention to end the agreement within the 7(seven) day period, it shall be assumed that you accept the amended or new Terms and Conditions.

You agree to review the Terms and Conditions of this agreement, Privacy Policy, Disclaimer and all other annexures whenever you access the referral channels for any such amendments. Save as expressly provided to the contrary in this agreement, the amended version of the agreement shall supersede and replace all previous versions thereof.


Termination of agreement
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We can terminate this agreement at any time or end your right to use the services provided through the Pineapple app upon providing you with reasonable notice. This will not affect instructions given to us whilst using the services available through the Pineapple app before the agreement has ended.

We reserve the right to terminate your right to use the services provided through the Pineapple app should any one or more of the following events occur:
- You commit fraud or we suspect that you have done so;
- Where we are under the impression that your behaviour was inappropriate or constitutes misconduct.
- If you breach this agreement;
- If you no longer have access to the equipment or services necessary to use the services. For example where the cellular phone company has deregistered your contact number.
- If the law requires us to do so.

You agree that we can provide information about the products or services offered through the Pineapple app or this agreement by any means, including but not limited to publishing a notice on our app itself or using electronic means, including SMS or email.


Severability
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Every clause of this agreement is severable from the others including the clause headings. The clause headings have been inserted for convenience and will therefore not be taken into consideration in its interpretation. If one or more of the clauses are invalid it will not mean the entire agreement is invalid and as such the rest of the clauses contained in the agreement will still be valid and apply.


Privacy policy
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By using this Pineapple app you acknowledge and agree to the Privacy Policy of the app which is set out below.

The Privacy Policy relates to the collection and use of personal information you may supply to us through your use of the service channels on the Pineapple app and such policy therefore governs the manner in which your personal information will be dealt with.

Personal information for the purposes of this document means all information specific to you, which is provided to us through the use of our app. In other words, information that identifies you. This includes but is not limited to the following personal information that you may provide to us when using the app:

- Your name and surname;
- RSA identity number or date of birth;
- Contact numbers;
- E-mail address.
- Behavioural data

By using any of the services on our app you hereby consent that we may send you promotional material or details which we think may be of interest to you.

Pineapple is allowed to contact you via email, push notification, Whatsapp, phone calls, SMS or other forms of communication to inform you of offers, product information, special offers, discounts and competitions.

Please note that you will not be allowed to use the services unless you consent to us using your information for marketing purposes in the future.

By using Pineapple you consent that select information relating to your insurance, performance, asset-register, personal information and connectivity will be shown to other users in the interest of transparency and treating other community members fairly. If you wish to adjust what other users can see, you can do so from privacy settings on your profile.

By using Pineapple you further consent to Pineapple’s cross-border transfer of your personal information as may be required.

All information collected is processed solely for the purpose it is obtained, namely offering and providing Pineapple services, products and ancillary processes enabling Pineapple services and products.

Pineapple may use the data you provide to determine product and service eligibility and fulfil necessary ancillary processes required to administer such products and services.

Data collected is done so in accordance with the POPI Act and is processed and utilized in accordance with POPIA requirements.


User generated content:

You are solely responsible for your conduct and any data, text, files, information, usernames, images, graphics, photos, profiles, audio and video clips, sounds, musical works, works of authorship, applications, links and other content or materials (collectively, "Content") that you submit, post or display on or via the Service.

You must not create or submit unwanted email, comments, likes or other forms of commercial or harassing communications (a/k/a "spam") to any Pineapple users.

By using our Service you understand and agree that we are providing a platform for you to post content, including photos, comments and other materials ("User Content"), to the Service and to share User Content publicly. This means that other Users may search for, see, use, or share any of your User Content that you make publicly available through the Service, consistent with the terms and conditions of this Privacy Policy and our Terms of Use Finding friends on Pineapple:

- If you choose, you can use our "Find friends" feature to locate other people with Pineapple accounts either through (i) your contacts list, (ii) third-party social media sites or (iii) through a search of names and usernames on Pineapple.
- If you choose to find your friends through (i) your device's contacts list, then Pineapple will access your contacts list to determine whether or not someone associated with your contact is using Pineapple.
- If you choose to find your friends through a (ii) third-party social media site, then you will be prompted to set up a link to the third-party service and you understand that any information that such service may provide to us will be governed by this Privacy Policy.
- If you choose to find your friends (iii) through a search of names or usernames on Pineapple then simply type a name to search and we will perform a search on our Service.

Note about "Invite Friends" feature: If you choose to invite someone to the Service through our "Invite friends" feature, you may select a person directly from the contacts list on your device and send a text or email from your personal account. You understand and agree that you are responsible for any charges that apply to communications sent from your device, and because this invitation is coming directly from your personal account, Pineapple does not have access to or control this communication


Automatically Collected Information
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In addition, the Application may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile devices unique device ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browsers you use, information about the phone you are using and information about the way you use the Application.

When you visit the application, we may use GPS technology (or other similar technology) to determine your current location in order to determine the city you are located within.

If you do not want us to use your location for the purposes set forth above, you should turn off the location services for the mobile application located in your account settings or in your mobile phone settings and/or within the mobile application.

We use third-party analytics tools to help us measure traffic and usage trends for the Service. These tools collect information sent by your device or our Service, including the web pages you visit, add-ons, and other information that assists us in improving the Service. We collect and use this analytics information with analytics information from other Users so that it cannot reasonably be used to identify any particular individual User.

Do third parties see and/or have access to information obtained by the Application?Yes. We will share your information with third parties only in the ways that are described in this privacy statement.


We may disclose User Provided and Automatically Collected Information:
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as required by law, such as to comply with a subpoena, or similar legal process; when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request; with our trusted services providers who work on our behalf, do not have an independent use of the information we disclose to them, and have agreed to adhere to the rules set forth in this privacy statement.


Obtaining credit information from 3^rd parties
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By using the Pineapple app you are consenting we may obtain your credit, ITC, and vehicle details from selected 3^rd party service providers. We may also collect and use publicly available data relating to you or your assets.


Data Retention Policy, Managing Your Information
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There may be links from the Service, or from communications you receive from the Service, to third-party web sites or features. There may also be links to third-party web sites or features in images or comments within the Service. The Service also includes third-party content that we do not control, maintain or endorse. Functionality on the Service may also permit interactions between the Service and a third-party web site or feature, including applications that connect the Service or your profile on the Service with a third-party web site or feature. For example, the Service may include a feature that enables you to share Content from the Service or your Content with a third party, which may be publicly posted on that third party's service or application.


Data protection:
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We will retain User Provided data for as long as you use the Application and for a reasonable time thereafter. We will retain Automatically Collected information for up to 72 months and thereafter may store it in aggregate. If you’d like us to delete User Provided Data that you have provided via the Application, please contact us at info@Pineapple.co.za and we will respond in a reasonable time. Please note that some or all of the User Provided Data may be required in order for the Application to function properly.


Children:
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We do not use the Application to knowingly solicit data from or market to children under the age of 13. If a parent or guardian becomes aware that his or her child has provided us with information without their consent, he or she should contact us at info@Pineapple.co.za We will delete such information from our files within a reasonable time.

Security:
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We are concerned about safeguarding the confidentiality of your information. We provide physical, electronic, and procedural safeguards to protect information we process and maintain. For example, we limit access to this information to authorized employees and contractors who need to know that information in order to operate, develop or improve our Application. Please be aware that, although we endeavour to provide reasonable security for information we process and maintain, no security system can prevent all potential security breaches.

Your privacy is important to us. We will therefore not sell, rent or provide your personal information to unauthorised entities or other third parties, for their independent use, without your consent, excluding in app information relating to your insurance/ asset activity.

If at any stage, after you have given us your consent, you no longer wish that we use your personal information, you may at any stage withdraw your consent by uninstalling the Pineapple app from your mobile device and notify us either telephonically or by email of the withdrawal of your consent.

We have the highest regard for the privacy of the personal information obtained through the use of our app, and therefore will only use the personal information obtained subject to the Terms and Conditions of this agreement and for the purpose for which it was collected and only for the purposes of positively identifying the user when the app is accessed as well as in order to quote you.

We value the information you chose to provide and which we collect from you and will take reasonable steps to protect your personal information from loss, misuse or unauthorised alteration. The information we maintain concerning you is stored in databases that have built-in safeguards to ensure the privacy and confidentiality of that information.

In this regard however, we cannot guarantee the security of any personal information that you disclose through our app. You therefore accept the inherent risk of providing information when using our app and will not hold us, our directors, employees or agents responsible for any breach of security.

The following are the instances when we will be entitled to disclose the personal information obtained from you:

- When any regulatory authority for the various financial sectors requests same; To comply with any regulation passed under relevant legislation, or any legal process; To enforce and protect our rights and property(including intellectual property) ;
- When you have expressly authorised us to do so.

Please ensure that you have read and understood the Terms and Conditions of this Privacy Policy before you provide us with your personal information.

We reserve the right in our sole discretion to amend this Privacy Policy from time to time. You agree to review the Privacy Policy whenever you visit our app for any such amendments. Save as expressly provided to the contrary in this Privacy Policy, the amended version of the Privacy Policy shall supersede and replace all previous versions thereof.


Community Engagement
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We want to create an open, caring and respectful Community. To help us do this, you agree that your use of the Community and your Contributions must:

- be accurate and genuinely believed
- avoid quoting out of context and include a credit for the original author as the source of material
- comply with all applicable domestic, foreign and international laws that govern the content which makes up the Contribution

You also agree that your use of the Community and Contributions will not:

- be defamatory, unlawful, obscene, offensive, hateful, abusive, inflammatory, threatening, invasive of anyone’s privacy, or otherwise objectionable
- promote discrimination on grounds of race, sex, religion, nationality, disability, religion or belief, sexual orientation, being a transsexual person, or age
- infringe any intellectual property rights including copyright, design right, database right, patents, trade mark, moral or performer’s right or any other third party right
- be likely to harass, upset, alarm or cause distress to any other person
- contain an instruction, advice, or content that could cause harm or injury to individuals or to computers or systems
- encourage anyone to commit any unlawful or criminal act or condone any unlawful or criminal act
- give the impression that the Contribution emanates from Bupa (or any of its group companies) if this is not the case, or impersonate any person, or misrepresent your identity or affiliation with any person
- contain any advertising, canvassing or business acquisition messaging or redirect customer to different websites or products

Whenever you upload material to the Community, or to make contact with other users of the Community, you must comply with our Acceptable Use Standards. You warrant that any such contribution does comply with those standards, and you indemnify us for any breach of that warranty.

We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our site is defamatory of them, a violation of their intellectual property rights, or of their right to privacy.

We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our site. We reserve the right to restrict access to any function, service or tool within the app if these terms are violated


Telephonic Contact

Authorised Financial Services Provider (FSP): Pineapple is an authorised financial services provider - we do not give financial advice

As displayed on the app we will store, process and share your information: We will store and process your information, and share it with our partners (for the purpose of fulfilling the insurance contract only). We will also assess your data held with information bureaus at our discretion. We need to do so to meet our obligations to you under this contract and in the normal course of business.

Replacement of existing cover : when cancelling an existing cover you must consider the following :

- Current insurer charging a cancellation fee
- Checking the product features and benefits (excess fee and what you are covered and not covered for)
- Exclusions differences between our policy and the current policy
- Premiums and annual premium increases

As you know we do not give financial advice and you need to decide if replacing is the correct decision for you

Please review all data provided on the app carefully. Your cover is based on this information and incorrect answers may result in claims not being paid at claim stage

Please note that every chat on the app and calls will be kept for record keeping and can be made available to you upon request

Please note that if we do give you a call the person calling you may be acting under supervision.


Crash Detect Disclaimer
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Our crash detection solution utilizes a scientifically developed and extensively validated system. In addition to crash pulses collected from dedicated lab facilities, the system is enhanced with data on an ongoing basis in order to improve results and accuracy.

Pineapple does not warrant or make any representations whatsoever about the reliability or effectiveness of the automatic crash detection feature.

Pineapple does not guarantee that the crash detection feature will always detect a crash and/or that on detection of a crash it will always notify the elected services/contacts and/or that the notifications will be correct or sufficient.

By adding a contact as a crash detect emergency contact, you are confirming that you have sought the permission needed from that individual for Pineapple to send them communications in accordance with the POPI Act, and agree to indemnify Pineapple against any damages suffered as a result of not doing so.

Pineapple reserves the right to suspend, disable and/or alter the usage of the crash-detection service at any time, without notice to the user.

Pineapple does not take responsibility for any damages (of any nature whatsoever, including, without limitation, direct, indirect or consequential damages) incurred or sustained as a result of the action or inaction of the crash detection feature or related services. The use of the crash detection feature is at the users own risk.

The user of the crash detection feature holds Pineapple harmless and indemnifies it against all and any loss of any nature whatsoever that the user and/or his/her passengers and/or any other third party may suffer as a result of the action and/or inaction of the crash detection feature.


Disclaimer
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By using the Pineapple app you acknowledge and agree to the following Disclaimer.

Use of the app and the related products and/or services shall be governed by, and construed in all respects in accordance with the laws of South Africa, and subject to the exclusive jurisdiction of the South African courts. The content of the app is not provided for or intended for the use of customers and/or users outside the jurisdiction of South Africa.

Use of this Pineapple app or the information, products and services available on this Pineapple app is at the user's own risk. Notwithstanding the provisions of sections 43(5) and 43(6) of the Electronic Communications and Transactions Act, we accept no liability whatsoever relating to any loss, expense, claim or damage, whether direct, indirect or consequential, arising from the use and/or reliance upon the information on this Pineapple app or any actions or transactions resulting there from even if we have been advised of the possibility of such loss, expense, claim or damages.

We also do not endorse, warrant or make any representations about the content, products, services, security or reliability of such other products and services.

Please note we have no control over such third parties products or service. We are therefore not responsible for any loss or damage you suffer, whether directly or indirectly because of a third party's products or services or the use of such products or services. You hereby agree to indemnify us and hold us harmless for any loss, expense, claim or damage, whether direct, indirect or consequential, arising from or that you may suffer, or cause in this regard.

We are not responsible for any error or delay that may arise as a result of you being unable to access the services due to error on your equipment, software or services provided to you by third parties.

Whilst we will at all times use our best efforts to ensure that our app operates as it was designed by us, we cannot warrant that the services are compatible with, or will operate with your mobile device or any software/hardware that you have on your mobile device.

We make no representation or warranty, whether express or implied, as to the operation, integrity, availability or functionality of our app or as to the accuracy, completeness or reliability of any information obtained from this app.

We also make no warranty or representation, whether express or implied, that the products, information or files available on this app are free of viruses, destructive materials or any other data or code which is able to corrupt, compromise or jeopardise the operation or content of your mobile device, network or your hardware or software. You accept all risks associated with the existence of such viruses, destructive materials or any other data or code which is able to corrupt, compromise or jeopardise the operation or content of your mobile device, or your hardware or software.

We accept no responsibility for any errors or omissions on our app.

We may, in our sole discretion, at any time, suspend or terminate the operation of our app or any of the products or services provided in terms of this app, without prior notice. We may also at any time discontinue or disable certain parts of the services available through this app for the purposes of maintenance or upgrades or other causes beyond our control. In the event that these service channels are unavailable as stated, we request that you call our contact centre in order to make necessary changes or make queries on your policy.

All rights remain reserved.


Payment on products underwritten by Old Mutual Alternative Risk Transfer Insure Limited
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Having a monthly policy means that your policy runs for a period of one month, and you pay your premium each month in advance.

Your policy is automatically renewed each month if you pay your next monthly premium on time. It is your responsibility to ensure that there are sufficient funds in your bank account so that the debit order can be processed on the relevant Debit Date.

- Debit Date:  this is the day of the month on which you have requested us to collect your monthly premium from your bank account (e.g. the 25th of each month).

We will make use of an authenticated debit order collection process which allows you to electronically confirm your debit order details with your bank and us (on a once-off basis) at the start of your contract

If you do not authenticate the debit order collection of your premium, we will make use of an Early Debit Order Service provided by certain South African banks to collect your premium if it is unpaid on the Debit Date that you have chosen, due to insufficient funds in your account. This service allows us to track your bank account and deduct the premium when enough money is available

For your policy to start we must receive your premium for the first month, or part thereof, in advance. If we do not receive your premium, your policy will not start. We will amend your Cover Start Date to your next permissible Debit Date and will re-attempt to debit your account. If we are still unable to collect your premium, your policy will not start.

For your policy to renew each month you must pay your premium in advance every month by no later than the Debit Date.

If you do not pay your premium, we will automatically attempt to collect the premium after 15 days. If we are unable to collect your premium, you will not have cover for this Period of Insurance.

At your next Debit Date, your cover will resume and we will attempt to collect your premium. If we are still unable to collect your full monthly premium, your policy will automatically be cancelled from the first Debit Date on which you did not pay your premium. You will have no cover for any Period of Insurance that you did not pay for.

IMPORTANT:

‍The 15 day period described above will only apply from the second month from your Cover Start Date. The 15 day period will not apply if we have never received a single premium payment from you. In this case, non-payment will result in the policy being automatically cancelled with effect from the Cover Start Date.

Where the Debit Date falls on a public holiday or Sunday, the premium will be collected on the last working day prior, or the first working day thereafter.

If you put a stop payment on your premium, the policy will be cancelled automatically from the Debit Date on which you did not pay your premium.

We will charge a non-refundable recollection fee of R50.00 for each failed premium collection, irrespective of the rand value, as a result of any of the following reasons for the rejection of your debit order:

- if there are insufficient funds in your account;
- if you cancelled the authorisation of the debit order; or
- if you provided the incorrect banking details when the policy was taken up by you.

We will not charge you interest on late payment of premiums.

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Liability
‍
The User agrees to indemnify, defend and hold Pineapple, its partners, affiliates, contractors, officers, directors, employees and agents harmless against, all liabilities, damages and costs including attorney fees and costs payable to third parties arising out of a claim or dispute against Pineapple arising directly or indirectly from the User’s acts and/or omissions to act in using the Services pursuant to the Terms.

Pineapple shall not be liable for the content and/or information, or the accuracy thereof, as uploaded by the User.

In no event shall Pineapple, its licensors, its suppliers, or any third parties mentioned on the App or during the rendering of the Service be liable for any damages, including, without limitation, direct, indirect, incidental, special or consequential damages, personal injury/wrongful death, lost profits, or damages resulting from the use of or inability to use the App and/or Service, the content, or arising out of the use of or inability to use the Service, even if we have been advised of the possibility of such damages, whether based on warranty or contract and whether or not Pineapple, its licensors, its suppliers, or any third parties mentioned on the Pineapple Insurance App and Service are advised of the possibility of such damages.


Regulatory Notices and Exemptions
‍
Pineapple is an authorised Financial Services Provider (FSP 48650).

The Financial Sector Conduct Authority has, under section 44(4) of the Financial Advisory and Intermediary Services Act, 2002 (“the Act”), read with section 281(3)(b) of the Financial Sector Regulation Act, 2017, exempts Pineapple Tech (Pty) Ltd to the extent detailed in the Notice entitled THE EXEMPTION OF PINEAPPLE TECH (PTY) LTD, 2020

Pineapple Disclosure Notice
DISCLOSURE NOTICE IN TERMS OF FINANCIAL ADVISORY & INTERMEDIARY SERVICES ACT NO. 37 2002 “FAIS”

As a prospective client you have the right to information relating to our professional services as required in terms of the FAIS Act. Please note that this is an important document and is to be read carefully. You will be asked to sign an acknowledgement of receipt and understanding.

PINEAPPLE TECH (PTY) LTD is a licensed Financial Services Provider, license number, 48650. A copy of the license is available upon request.

1.Authorised Representatives

‍PINEAPPLE has duly authorised the individuals below to render advice and intermediary services as defined in terms of FAIS in respect of the following Classes of Business:

- Short-term Personal Lines
- Short-term Commercial Lines

Key Individuals

- Marnus van Heerden

PINEAPPLE has the necessary controls and procedures in place as to ensure that the Key Individuals and Representative comply with the prescribed FAIS Fit and Proper Requirements (incudes experience, qualifications, regulatory examinations and honesty and integrity requirements).

‍PINEAPPLE accepts legal responsibility for those activities that the representative performed within the scope of implementing his/her employment contract or mandate.

Certain representatives are rendering services under supervision as defined in the Determination of Fit & Proper requirements. The supervisor is Nerisha Nana

2. Exemptions with regard to any matter covered by the FAIS Act

No specific exemption was granted to PINEAPPLE by the Registrar.

3. Financial Services and Products

PINEAPPLE is authorised to render advice and recommend financial products in respect of the financial product types listed below

- Short-Term Insurance Personal Lines - Advice Non-Automated & Intermediary Other
- Short-term Insurance Personal Lines A1 - Advice Non-Automated & Intermediary Other
- Short-Term Insurance Commercial Lines - Advice Non-Automated & Intermediary Other

4. Contracts with Product Suppliers

- We offer financial products from only one product supplier being Old Mutual Alternative Risk Transfer Insure Limited.

The above listed product supplier did not imposed any conditions or restrictions with regard to the type of financial products or services that may be provided or rendered by PINEAPPLE
‍
5. What will you have to pay us for our services?

We will tell you how we get paid, and the amount, before we conclude any business for you.

Fees will comprise of:
PINEAPPLE is paid a fee of 10% by the Insurer in respect of the outsource functionality, mobile application maintenance, artificial intelligence and system maintenance

Intermediary agreements:
Pineapple will receive 5% commission from the insurer

6. Compliance with Financial Advisory and Intermediary Services Act “FAIS”

The compliance of PINEAPPLE with the FAIS Act is monitored by ELZABE BOTHA of Compli-Serve SA (Pty) Ltd, a licensed Compliance Practice, CO 194 who is contactable on 087 897 6970 or email elzabe@compliserve.co.za or Marnus van Heerden who is contactable at info@pineapple.co.za

7. Confidentiality

Where applicable all information will be kept by PINEAPPLE on a confidential basis and will not be made available to third parties by PINEAPPLE unless so authorised by the client beforehand or if PINEAPPLE is required to divulge such information in the public interest or under any law.

8. Conflicts of Interest

In accordance with PINEAPPLE conflicts management policy, PINEAPPLE places a high priority on its clients’ interests. As conflicts of interest affecting clients could undermine the integrity and professionalism of our business, any instances must be identified as early as possible. If conflict situations cannot be avoided, they must be managed equitably and in the client’s interest. Detecting potential or recognised conflicts of interest that could compromise the interest of its clients and managing and limiting the impact of conflicts of interest therefore constitute an integral part of PINEAPPLE’s duties and obligations.

Potential conflicts of interest are inherent in any business and therefore it is not the aim of PINEAPPLE to avoid all conflicts but rather to take steps to identify and manage conflicts of interest to ensure that our clients are not unduly prejudiced.

PINEAPPLE maintains an active Conflicts of Interest Management Policy which can be obtained by request on our mobile chat

Annexure B highlights our current conflicts

In the last 12 months PINEAPPLE received in excess of 30% of total remuneration, including commission from Old Mutual Alternative Risk Transfer Insure Limited

PINEAPPLE has no shareholding in any product supplier.

9. Complaints

In the event that you are dissatisfied with any aspect of our service you may contact our offices at the address shown at the head of this letter.

Should you wish to pursue a complaint against an authorised representative of PINEAPPLE, you should address your compliant in writing to Marnus van Heerden a registered key person of PINEAPPLE at complaints@pineapple.co.za

If you cannot settle your complaint with us, you are entitled to refer it to the FAIS Ombud. The Ombud has been created to provide you with a redress mechanism for any inappropriate financial advice that may have been given to you.

Contact particulars of the Ombud: PO Box 74571 , Lynnwood Ridge 0040 , Tel 012 470 9080Fax 012 348 3447 , info@faisombud.co.za , www.faisombud.co.za

10. Professional Indemnity-, Fidelity Insurance or Guarantees

PINEAPPLE holds professional indemnity insurance underwritten by Santam .

11. Basis of Advice

In order for us to provide you with appropriate advice and financial products it is important that you give us sufficient particulars of your financial affairs. Failure to make a full disclosure could result in our advice being compromised and may result in you thus making a financial commitment to a product inappropriate to your needs and objectives.

In order to help ensure that you make a financial commitment to a product that is appropriate to your needs you are strongly advised to ensure that you have all the necessary documentation and information that you require from your advisor before you make a final decision.

12. Advice Documentation

You are hereby advised and cautioned that, unless otherwise agreed , any advice , quotation recommendation or variation thereof that you receive in writing from PINEAPPLE or its representatives “the Advice Documentation” is given to you on the understanding that it shall not be used as a basis of advice subsequently concluded with another Financial Services Provider

In the event that you elect to present the Advice Documentation to another Financial Service Provider, PINEAPPLE takes no responsibility for the appropriateness of the final advice offered by any subsequent advisor to your financial needs and circumstances.

13. Financial Intelligence Centre Act (FICA) -

Please note that in terms of the Financial Intelligence Centre Act (FICA),PINEAPPLE is obliged to report suspicious and unusual transactions that may facilitate money laundering to the authorities.

Annexure B

No conflict of interest identified.