Website Disclaimer

This website is operated by Rock Risk (Pty) Ltd. References to "Rock Risk", "we", "us" and "our" refer to the Rock Risk entity identified in our statutory and regulatory disclosures.

General Information

The information made available on this website, including articles, commentary, guides, downloads, illustrations, examples, tools and other content, is provided for general information and educational purposes. It does not take account of your individual circumstances and must not be treated as personalised financial, insurance, legal, tax or other professional advice.

Insurance and Financial Advice

Nothing on this website should, by itself, be regarded as a recommendation to purchase, amend, replace, cancel or retain any particular insurance product or cover. Appropriate advice requires consideration of your circumstances, needs, risks and existing arrangements. Please contact Rock Risk so an appropriately authorised adviser can assist you.

Insurance Products and Cover

References to insurance products, benefits, types of cover or insurance solutions are general descriptions only. Actual cover is subject to the relevant insurer's underwriting requirements and acceptance, together with the applicable policy wording, schedule, endorsements, terms, conditions, limits and exclusions.

Nothing on this website confirms that insurance cover has been placed, amended or renewed. Cover should not be regarded as effective until it has been confirmed through the appropriate process and, where applicable, by the relevant insurer.

Policy Documentation

If website information differs from an issued insurance policy, the applicable policy documentation and written confirmation issued by or on behalf of the insurer govern the insurance contract. Please read schedules, wordings, endorsements and other insurance documentation carefully and contact Rock Risk if anything is unclear or appears incorrect.

Accuracy and Currency

Rock Risk takes reasonable care in preparing and maintaining website content. Legislation, regulation, insurer appetite, products, policy terms and market conditions can change, so we do not warrant that all website content will at all times be complete, current or appropriate for every purpose. Publication dates may be shown to help readers assess when information was prepared.

Quotations and Indications

Any premium, cover or other insurance indication appearing on this website is illustrative unless expressly stated otherwise. A quotation is subject to the information provided, underwriting requirements and terms imposed by the insurer. Submitting an enquiry does not guarantee that cover will be available or accepted.

No Creation or Variation of Cover

Using this website, submitting an enquiry, completing an online form, exchanging electronic communications or receiving general information does not by itself create an insurance contract or amend existing cover. Changes to insurance arrangements must be specifically requested and appropriately confirmed.

Third-party Information and Links

This website may contain information supplied by insurers or other third parties, or links to external websites and resources. These are provided for convenience or information. Rock Risk does not control third-party websites and is not responsible for their content, availability, security or privacy practices. A link or reference does not necessarily constitute endorsement.

Intellectual Property

Unless otherwise indicated, the Rock Risk name, branding, original website content, written material and graphics are owned by or licensed to Rock Risk and may not be reproduced, distributed or commercially used without appropriate permission. Third-party intellectual property remains the property of its respective owners.

Limitation of Liability

To the extent permitted by law, Rock Risk will not be responsible for loss arising solely from reliance on general website information where personalised professional advice should reasonably have been obtained. Nothing in this disclaimer excludes or restricts any responsibility that Rock Risk may not lawfully exclude under applicable South African financial-services and consumer-protection legislation.

Electronic Communications and Availability

Internet services and electronic communications involve inherent risks. Rock Risk cannot guarantee uninterrupted website availability or that electronic communications will always be delivered, received or processed without delay. Urgent instructions relating to existing cover, claims, cancellations or policy changes should not be regarded as accepted merely because they were submitted online. Please obtain confirmation where timing or implementation is important.

Privacy and Personal Information

Rock Risk processes personal information in accordance with applicable South African data-protection requirements. See our Privacy Notice for information about how we collect, use, retain and protect personal information.

Regulatory Information

Rock Risk is an authorised financial services provider, FSP 55797. Company, FSP, complaints and related disclosure information is available in our FAIS Disclosure Notice.