Terms of Use

1. Who we are

This website (leasesurance.co, together with all its subdomains and pages, the Website) is owned and operated by The LeaseSurance Agent (Pty) Ltd (registration number 2020/763628/07), trading as LeaseSurance ("LeaseSurance", "we", "us", "our").

LeaseSurance is an authorised financial services provider in terms of the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS), FSP number 55633.

With effect from 1 September 2026 LeaseSurance is appointed by Guardrisk Insurance Company Limited as binder holder and non-mandated intermediary under a binder agreement, with authority to enter into, vary and renew policies, determine policy wording and premiums, and settle claims within a defined underwriting mandate, excluding claim functions reserved to the insurer. In performing those functions LeaseSurance acts as agent of the insurer.

Insurance products described on this Website are underwritten by Guardrisk Insurance Company Limited (registration number 1992/001639/06), a licensed non-life insurer and authorised financial services provider, FSP 75, of The Marc Tower 2, 129 Rivonia Road, Sandton 2196. Telephone +27 11 669 1000, email info@guardrisk.co.za, website www.guardrisk.co.za.

This section is provided in accordance with section 43 of the Electronic Communications and Transactions Act 25 of 2002 and the disclosure requirements of the FAIS General Code of Conduct.

2. Your agreement to these terms

By accessing or using the Website you agree to be bound by these Terms of Use. If you do not accept them, please do not use the Website.

We may amend these terms at any time by posting an updated version here. The version in force is the one published on the Website at the time you access it, and the effective date above tells you when it last changed. Your continued use of the Website after an amendment constitutes acceptance of the amended terms.

3. The Website is information only, not advice

Everything on this Website is published for general information about LeaseSurance and our products. It is important that you understand the following:

No financial or insurance advice. Nothing on this Website constitutes advice as defined in FAIS, nor financial, insurance, legal, tax, accounting or investment advice. No content on the Website takes account of your particular objectives, financial situation, portfolio composition or needs. You should obtain advice appropriate to your own circumstances from a suitably licensed or qualified professional before making any decision.

No offer. The Website is not an offer to sell, or a solicitation of an offer to buy, any insurance product or financial service. No insurance cover comes into existence, and no contractual relationship of any kind arises, from your use of the Website or from any enquiry you submit through it.

Policy documents govern. Where the Website describes a product, that description is a summary. The terms, cover, limits, excesses, exclusions, waiting periods and conditions that actually apply are those set out in the applicable policy wording, schedule and programme agreement issued to the relevant policyholder. Where the Website and those documents differ, those documents prevail in every case.

Tax. Any reference on the Website to the tax treatment of a fee or premium reflects our general understanding of the position at the date of publication. Tax treatment depends on individual circumstances and may change. Obtain your own tax advice.

4. Illustrative figures, statistics and forward-looking statements

The Website contains statistics, performance indicators, coverage multiples, adoption rates, implementation timelines and similar figures. Unless a specific source is stated alongside a figure:

• figures are indicative and reflect aggregated or representative experience across portfolios we serve, not a guarantee or projection of the outcome any particular portfolio will achieve;
• coverage multiples, tier structures and fee levels described on the Website are indicative and are set for each programme individually on the basis of that portfolio's risk profile and the cover selected;
• implementation timelines depend on portfolio size, data quality and the property management system involved;
• statements about future performance, market direction or expected benefits are forward-looking, reflect our view at the date of publication, and are subject to change.

Past or aggregated performance is not a reliable indicator of future results. Nothing on the Website should be treated as a warranty, guarantee or representation as to any specific financial outcome.

Client testimonials, case references and quotations reproduced on the Website reflect the views of the individuals concerned and their own experience. They are not a guarantee, and they should not be read as an indication that you would obtain a comparable result.

5. Intellectual property

All content on the Website (text, graphics, layout, design, page structure, logos, icons, images, audio, video, software and code, and the selection and arrangement of all of it) is owned by LeaseSurance or licensed to us, and is protected by South African and international intellectual property law.

LeaseSurance, Zero Deposit™, Zero Capital™, ZD Rewards™ and LeaseHub™ are trade marks of LeaseSurance, whether registered or unregistered.

You may view the Website, and print or download extracts, for your own internal, non-commercial reference. You may not otherwise copy, reproduce, republish, distribute, adapt, translate, frame, transmit, sell, licence, create derivative works from, or commercially exploit any part of the Website without our prior written consent. You may not remove or alter any copyright, trade mark or other proprietary notice.

Nothing on the Website grants you any licence or right in our intellectual property by implication, estoppel or otherwise.

6. Third-party names, trade marks and links

Names, trade marks and logos of third parties appearing on the Website (including property management and accounting platforms with which our systems integrate, and our insurance partner) remain the property of their respective owners. Their appearance identifies the relevant product or organisation and, except where we expressly say so, does not imply any partnership, joint venture, sponsorship, endorsement or approval between that party and LeaseSurance.

The Website may link to third-party websites. We provide those links for convenience only. We do not control, monitor, endorse or accept responsibility for the content, accuracy, availability, security or privacy practices of any third-party website, and you access them at your own risk.

You may link to the Website home page provided you do so fairly, lawfully, without damaging or exploiting our reputation, and without suggesting any association or endorsement that does not exist. You may not frame the Website or reproduce it on another site. We may withdraw linking permission at any time.

7. How you may and may not use the Website

You agree to use the Website only for lawful purposes and in a way that does not infringe anyone else's rights or restrict their use of it. Specifically, you may not:

• submit information that is false, misleading, fraudulent or that impersonates another person, or submit another person's personal information without a lawful basis for doing so;
• introduce any virus, worm, trojan, logic bomb, keystroke logger, spyware or other malicious code;
• attempt to gain unauthorised access to the Website, any server or database on which it is hosted, or any connected system or network;
• probe, scan or test the vulnerability of the Website, or breach or circumvent any security or authentication measure;
• use any robot, spider, scraper, harvesting tool or other automated means to access, monitor or copy the Website or its content, except for search engine crawlers operating in accordance with our robots.txt file;
• interfere with the proper working of the Website, including by any denial-of-service attack or by imposing an unreasonable load on our infrastructure;
• use the Website or any content on it for competitive benchmarking, or to build or train a competing product or service;
• use contact details published on the Website to send unsolicited commercial communications.

We may suspend or terminate your access to the Website, without notice, if we reasonably believe you have breached this section, and we may report unlawful conduct to the relevant authorities. Unauthorised access to or interference with the Website is an offence under Chapter 13 of the Electronic Communications and Transactions Act and the Cybercrimes Act 19 of 2020.

8. Enquiries you send us

When you submit an enquiry through the Website you must give information that is accurate and complete, and you must be authorised to give it. We will handle personal information in the enquiry in accordance with our Privacy Statement.

We are not obliged to respond to any enquiry, and submitting one places us under no obligation to provide any product, service, quotation or terms. Do not send us confidential, privileged or price-sensitive information through the Website. Use a secure channel agreed with us instead.

Any suggestion, idea, feedback or improvement you volunteer about our products or the Website is given on a non-confidential basis and we may use it without restriction, obligation or compensation.

9. Availability and changes

We aim to keep the Website available and its content current, but we give no undertaking that it will be uninterrupted, error-free, secure or free of harmful components, or that any defect will be corrected. We may change, suspend, restrict or withdraw all or any part of the Website, or any content on it, at any time and without notice.

Content is published as at the date shown. Regulatory requirements, product terms, pricing structures and integration partners change, and we are under no obligation to update any part of the Website.

You are responsible for the device, connectivity, software and security arrangements you use to access the Website, including your own anti-virus protection.

10. Limitation of liability

To the maximum extent permitted by law, and subject always to section 11:

We give no warranty or representation of any kind, express or implied, about the Website or its content, including as to accuracy, completeness, currency, fitness for a particular purpose, non-infringement or availability. The Website and its content are provided "as is" and "as available".

Neither LeaseSurance nor any of its directors, employees, contractors, agents or licensors will be liable for any loss or damage (whether direct, indirect, incidental, special, punitive or consequential, and including loss of profit, revenue, business, goodwill, anticipated saving, or loss or corruption of data) arising out of or in connection with:

• your use of, or inability to use, the Website;
• reliance on any content on the Website;
• any error, omission, inaccuracy or outdated information on the Website;
• any interruption, delay, virus or malicious code affecting the Website;
• any third-party website, content or service accessed through the Website.

This applies whether the liability arises in contract, delict (including negligence), statute or otherwise, and whether or not we were advised of the possibility of the loss.

11. What this does not exclude

Nothing in these terms excludes or limits any liability that cannot lawfully be excluded or limited, including liability for our fraud, fraudulent misrepresentation, gross negligence, or death or personal injury caused by our negligence. Nothing in these terms limits or waives any right you have under the Consumer Protection Act 68 of 2008, the Financial Advisory and Intermediary Services Act, the Protection of Personal Information Act 4 of 2013, the Rental Housing Act 50 of 1999 or any other applicable law, to the extent those rights apply to you and cannot be contracted out of.

12. Indemnity

You indemnify LeaseSurance, its directors, employees and agents against any claim, loss, liability, damage, cost or expense (including reasonable legal costs on an attorney-and-own-client scale) arising out of your breach of these terms, your unlawful or unauthorised use of the Website, or any inaccurate or unauthorised information you submit through it.

13. Electronic communications

You consent to us communicating with you electronically, including by email, in relation to any enquiry you submit. You agree that electronic communications satisfy any legal requirement that a communication be in writing, and that data messages and records generated by the Website constitute admissible evidence of their contents. Under section 11(3) of the Electronic Communications and Transactions Act, information incorporated into these terms by reference to another page or document forms part of these terms.

14. Complaints

If you are dissatisfied with the Website or with any service we have provided, please contact us through the form on our Contact page, or at paul@leasesurance.co, and we will handle your complaint in accordance with our internal complaints resolution procedure, a copy of which is available on request.

If your complaint relates to a financial service and we are unable to resolve it to your satisfaction, you may refer it to the Office of the FAIS Ombud:

For claims and service-related matters, the National Financial Ombud Scheme (NFO):

For advice-related matters, the FAIS Ombud:

You may also contact the Financial Sector Conduct Authority at PO Box 35655, Menlo Park, 0102, telephone +27 12 428 8000, www.fsca.co.za.

Complaints about the processing of personal information may be lodged with the Information Regulator. See our Privacy Statement.

15. General

Governing law and jurisdiction. These terms and your use of the Website are governed by the law of the Republic of South Africa. You consent to the jurisdiction of the South African courts, and to the jurisdiction of the Magistrates' Court in respect of any claim that court is competent to hear, notwithstanding that the amount in dispute may exceed its normal limits.

Severability. If any provision of these terms is found to be invalid or unenforceable, it will be severed and the remaining provisions will continue in full force.

No waiver. Our failure to enforce any provision of these terms is not a waiver of that provision or of any other.

Whole agreement. These terms, together with our Privacy Statement, constitute the whole agreement between you and us in relation to your use of the Website, and supersede any previous version.

Cession. We may cede or assign our rights and delegate our obligations under these terms to any successor or group company. You may not do so without our written consent.