By using NeedInsurance.co.za, you agree to the following terms:

1. Our Service

NeedInsurance.co.za is a lead generation platform operated by Save Smart PTY LTD. We are not an insurance provider or broker. We collect your details to help match you with a life insurance provider who may contact you directly.

2. No Guarantees

We do not guarantee that you will receive a quote, or that any insurance product offered to you will meet your specific needs. The final offer and decision come from the insurance provider, not us.

3. User Responsibility

By submitting your information, you confirm that:

• The information you provide is accurate to the best of your knowledge

• You consent to us sharing your information with one selected insurance provider

• You understand that the provider may contact you to follow up

4. ECTA Disclosures (Section 43)

In accordance with Section 43 of the Electronic Communications and Transactions Act (ECTA), we disclose the following:

• Website Owner: Save Smart PTY LTD

• Website Address: https://www.needinsurance.co.za

• Business Purpose: To collect information from users who are interested in life insurance products and connect them with third-party providers

• Pricing: The service is free to users. We may earn a fee when a provider receives your details.

• Email Contact: pete@savesmart.co.za

• Complaints: Users may email complaints or data concerns to the above address

• Unsubscribing: You may opt out of future communications at any time

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5. Limitation of Liability

Save Smart PTY LTD is not liable for any loss, damage, or misunderstanding that results from your use of our site or your interactions with any insurance provider.

6. Privacy and Consent

You agree to our Privacy Policy and the use of your personal data as described. You may withdraw your consent or request deletion of your data at any time by emailing pete@savesmart.co.za