Terms of Use

Effective Date: May 2026
Last Updated: May 2026

1. Acceptance of Terms

By accessing and using InsuralCare, you agree to be bound by these Terms of Use. If you do not agree to these terms, you may not use our services.

2. Description of Services

InsuralCare is an insurance management system that provides:

• Policy management and administration
• Claims processing and tracking
• Member and client management
• Payment processing and billing
• Multi-tenant insurance company management

3. User Accounts

To use InsuralCare, you must create an account and provide accurate information. You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Providing accurate and up-to-date information

4. Acceptable Use

You agree to use InsuralCare only for lawful purposes and in accordance with these terms. You may not:

• Use the service for any illegal or unauthorized purpose
• Transmit malicious code or viruses
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service
• Share your login credentials with others
• Use the service to violate any applicable laws

5. Data and Privacy

Your use of InsuralCare is also governed by our Privacy Policy. By using our service, you consent to the collection and use of information as described in our Privacy Policy.

6. Intellectual Property

InsuralCare and its content, features, and functionality are owned by InsuralCare and are protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, distribute, or create derivative works
• Reverse engineer, decompile, or disassemble the service
• Use our trademarks without prior written consent

7. Service Availability

We strive to maintain high availability of InsuralCare but do not guarantee uninterrupted service. We may temporarily suspend or modify the service for maintenance, updates, or other reasons.

8. Subscription Plans

InsuralCare offers different subscription plans with varying features and limits. You agree to pay all applicable fees for your chosen plan and understand that:

• Subscription fees are non-refundable except as required by law
• Plans may be changed with appropriate notice
• Exceeding plan limits may result in additional charges
• We reserve the right to suspend service for non-payment

9. Data Security and Backup

We implement reasonable security measures to protect your data. However, we cannot guarantee absolute security. You are responsible for maintaining appropriate backups of your critical data.

10. Limitation of Liability

To the maximum extent permitted by law, InsuralCare shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service.

11. Indemnification

You agree to indemnify and hold InsuralCare harmless from any claims, damages, or expenses arising from your use of the service or violation of these terms.

12. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason, including if you breach the Terms of Use.

13. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Your continued use of the service constitutes acceptance of the modified terms.

14. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of South Africa, without regard to its conflict of law provisions.

15. Dispute Resolution

Any disputes arising from these terms or your use of InsuralCare shall be resolved through good faith negotiations. If a dispute cannot be resolved, it shall be subject to the jurisdiction of the South African courts.

16. Contact Information

If you have any questions about these Terms of Use, please contact us at:

17. Insurance Industry Compliance

InsuralCare is designed to comply with South African insurance regulations, including:

• Insurance Act No. 18 of 2023
• Financial Sector Regulation Act
• Prudential Authority requirements
• Fair Treatment of Customers principles

These terms of use were last updated on May 4, 2026 and are effective immediately.