Terms and conditions for Bonlife app and Website
In this agreement the words below shall mean:
- A client is someone who has an active short-term or long-term policy with us. This includes any members of your family, agents or employees who are covered under your policy. This also includes Namibia short-term clients who have active facilities with us.
- 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 the Bonlife Holdings Group.
- 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 Bonlife app, so it is vital that you read it carefully.
The use of this Bonlife 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 Bonlife app and when you register and accept the Terms and Conditions applicably; or use the services available on our Bonlife app.
Bonlife app download
When you download the Bonlife app and finalize 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 app.
Bonlife grants you the right to install and use the Bonlife 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 Bonlife app. No fee is payable for the downloading of the Bonlife 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 Bonlife app operates correctly, you must use the recommended hardware and software. The Bonlife 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 Bonlife app not operating properly or not operating at all. Older versions of Android or iOS operating systems 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 Bonlife app.
It shall be your responsibility to delete or remove the Bonlife 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 Bonlife app is revocable, should we deem it necessary and appropriate.
Use of services of the Bonlife app
Once the Bonlife app is downloaded and you have registered, you will have access to use the services as provided for through the Bonlife app.
The following services are available in respect of the Bonlife app:
- Summary of your Bonlife policies
- Apply for new policies
- Messages from Bonlife to you
- Register a Claim
- Contact us
Where any of the application services request the verifying of personal contact details and the update is not successful, you will not be prevented from accessing and using the services provided.
- The contact me service is available to clients and non-clients.
- The contact me option allows non-clients to request a quote from Bonlife.
- The contact me option allows clients to request amendments and/or additions to existing facilities. These requests can only be done for one product at a time.
- In order to access this service, you will be requested to verify your contact details.
In order to use the phone Bonlife service, you will need a smart device that is able to dial us directly. Should you not have a smart device that is able to dial a telephone number; it will be possible to save the Bonlife contact number to your contacts in order for you to contact Bonlife from an alternative device. Once a request has been received by Bonlife to contact you, Bonlife will endeavour to process the request within a reasonable time and as soon as possible, within business hours.
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 Bonlife app.
You may not copy, reproduce, display, reverse engineer or use any intellectual property in any manner whatsoever without our prior written consent.
Unauthorised or unlawful use of our intellectual property will result in us taking legal action you.
Monitoring of information
We may monitor and record communications or traffic on the service channel in order to maintain the proper functioning of the Bonlife app and the services, as well as to detect any unauthorised use, or when the law requires us to do so.
Amendment of agreement
Termination of agreement
We can terminate this agreement at any time or end your right to use the services provided through the Bonlife app upon providing you with reasonable notice. This will not affect instructions given to us whilst using the services available through the Bonlife app before the agreement has ended.
We reserve the right to terminate your right to use the services provided through the Bonlife 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 Bonlife 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.
Personal information for the purposes of this document means all information specific to you, which is provided to us through the use of our app. In other words, information that identifies you. This includes but is not limited to the following personal information that you may provide to us when using the app:
- Your name and surname;
- Identity number or date of birth;
- Contact numbers;
- E-mail address.
By using any of the services on our app you hereby consent that we may send you promotional material or details which we think may be of interest to you.
Please note that you will not be allowed to use the services unless you consent to us using your information for marketing purposes in the future.
Your privacy is important to us. We will therefore not sell, rent or provide your personal information to unauthorised entities or other third parties, for their independent use, without your consent.
If at any stage, after you have given us your consent, you no longer wish that we use your personal information, you may at any stage withdraw your consent by uninstalling the app from your mobile device and notify us either telephonically or by email of the withdrawal of your consent.
We have the highest regard for the privacy of the personal information obtained through the use of our app, and therefore will only use the personal information obtained subject to the Terms and Conditions of this agreement and for the purpose for which it was collected and only for the purposes of positively identifying the user when the app is accessed as well as in order to quote you.
We value the information you chose to provide and which we collect from you and will take reasonable steps to protect your personal information from loss, misuse or unauthorised alteration.
The information we maintain concerning you is stored in databases that have built-in safeguards to ensure the privacy and confidentiality of that information.
In this regard, however, we cannot guarantee the security of any personal information that you disclose through our app. You therefore accept the inherent risk of providing information when using our app and will not hold us, our directors, employees or agents responsible for any breach of security.
The following are the instances when we will be entitled to disclose the personal information obtained from you:
- When any regulatory authority for the various financial sectors requests same;
- To comply with any regulation passed under relevant legislation or any legal process;
- To enforce and protect our rights and property(including intellectual property);
- When you have expressly authorised us to do so.
By using the Bonlife 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 Namibia, and subject to the exclusive jurisdiction of the Namibian courts. The content of the app is not provided for or intended for the use of customers and/or users outside the jurisdiction of Namibia who have registered to use the app.
Use of this Bonlife app or the information, products and services available on this Bonlife app is at the user’s own risk. 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 Bonlife 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.
The services offered on our app may allow you to view or access or make reference to third party’s products or services. Even though we make reference to third party’s products and services on our app, we do not endorse or recommend the third party’s products and services. You are responsible for deciding whether these third party’s products or services meet your requirements. You are responsible for obtaining the Terms and Conditions that are applicable to the third party’s products or services.
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.
No referrer is allowed to give advice or intermediary services in respect of any financial service including but not limited to insurance, to prospective policyholders 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 policyholder with us. Therefore a referrer may not bring any prospective policyholder 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 Bonlife product. 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.