Pineapple Terms and Conditions:

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 16 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.

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.

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.

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

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

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, 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 players who fulfil 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.

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.

This offer (the “New 30-Days Free Trial Offer”), which is made to you by Pineapple (as defined in the Pineapple Terms and Conditions of Use), entitles you access to the Pineapple Service (as defined in the Pineapple Terms and Conditions of Use) for a period of thirty (30) days from the moment that you activate such trial period by submitting your payment details (the “Free Trial Period”). By submitting your payment details, you accept the new 30-Days Free Trial Offer and (i) consent to us using your payment details in accordance with our Privacy Policy, (ii) acknowledge and agree to Pineapple Terms and Conditions of Use and these Pineapple Service General Free Trial Terms and Conditions.

At the end of the free trial you will be given the option to become a paying member and will be notified of this option via the mobile application.

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

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. Our Privacy Policy explains how, why and when we collect, use, share and store your personal information.

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.

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.

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 Pinapple 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.

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.

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.

Company may use third party electronic payment processors and/or financial institutions ("ESPs") to process financial transactions. You irrevocably authorize us, as necessary, to instruct such ESPs to handle such transaction and you irrevocably agree that Company may give such instructions on your behalf in accordance with your requests as submitted on the Site. You agree to be bound by the terms and conditions of use of each applicable ESP, and in the event or conflict between these Terms and the ESP's terms and conditions then these Terms shall prevail.

Debit Order Terms and Conditions

You hereby authorise Us to issue and deliver payment instructions to your Banker for collection against your defined account at your Bank (or any other bank or branch to which we may transfer our account) on condition that the sum of such payment instructions will never exceed our obligations as agreed to in the Contract of Insurance (“Agreement”), commencing on the payment date selected on the Mobile Application and continuing until this Authority and Mandate is terminated by us by giving you notice in writing of not less than 20 ordinary working days, and sent by email or in-app notification.

The individual payment instructions so authorised to be issued must be issued and delivered as follows: monthly.

In the event that the payment day falls on a Sunday, or recognised South African public holiday, the payment day will automatically be the preceding ordinary business day. Furthermore, if there are insufficient funds in my account to meet the obligation, you entitle us to track your account and represent the instruction for payment as soon as sufficient funds are available in your account.

You agree that the withdrawals hereby authorised will be processed through a computerised system provided by the South African Banks. You also acknowledge that details of each withdrawal will be printed on your bank statement. Such must contain a number, which must be included in the said payment instruction and if provided to you should enable you to identify the Agreement.

Mandate: You acknowledge that all payment instructions issued by Us shall be treated by your abovementioned Bank as if the instructions have been issued by you personally.

Cancellation: You agree that although this Authority and Mandate may be cancelled by you, such cancellation will not cancel the Agreement. You shall not be entitled to any refund of amounts which We have withdrawn while this Authority was in force, if such amounts were legally owing to Us.
 

Assignment: You acknowledge that this Authority may be ceded or assigned to a third party if the Agreement is also ceded or assigned to that third party, but in the absence of such assignment of the Agreement, this Authority and Mandate cannot be assigned to any third party.

We whilst acting as an Agent for the Compass Insurance Company Limited are authorised to draw payment in terms of the cover chosen until cancelled in writing by either party.

What this means for you as a Customer – Debit order terms and conditions

If you do not give us your correct banking details, or if your banking details change at any time in the future and you don’t let us know about this, you will still be responsible for making sure that your Pineapple account is paid every month.

When we try to take money from your account in terms of the debit order instruction that you have given to us, and we see that there is not enough money in your account to cover this debit order, then we will keep tracking your bank account until we see that money has come into your account and it is enough to cover the debit order amount. We will then deduct the instalment owed to us.

If the bank charges fees for the debit order, you must pay these fees.

Your bank will see all instructions that we give it to take money from your account, as if the instructions have been given by you.

You must give us 30 days notice to cancel your debit order. If we take money from your bank account that is owed to us while your debit order is in place, during this 30 day period, we will not refund you this amount. If you cancel your debit order, it won’t affect your credit agreement that you have with us.

We cannot transfer any of our rights that you have given us under this debit order to any other party, unless we (TFG) transfer all of our rights in your credit agreement to another party.

We will treat this debit order instruction as if your bank has given it to us.

This is what will reflect on your bank statement when we take the money from your account

 Cancellations and refunds

When your paid plan begins, you will receive an e-mail receipt. You may cancel at any time before the end of your first month, and you will not be charged. Thereafter, you may cancel Your Account at any time, and you will not be charged further; however, you will not receive a refund when you cancel. Directions for cancelling are below.

Insurance cover will end at the end of the month of cancelation

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.