Introduction  

MMM LIME (Pty) Ltd trading as “LIMMME” (Registration number: 2023/139729/07) is not an authorised Financial Services Provider and does not provide You with “advice” as defined in the Financial Advisory and Intermediary Services Act, 2002 “FAIS”.  

These terms of service (“the Terms”) govern your (“You”, “Your” or “User”) access to and use of the LIMMME Insurance Needs Analysis tool, the website available at limmme.com (“the Website”) and the services associated with LIMMME that are provided by Us (“the Services”) and are binding and enforceable against every person that accesses or uses the Website and/or the Services. By accessing the Website and/or the Services, You are explicitly acknowledging that You have read, understood and agree to be bound by these Terms.  

When making use of the Services, You acknowledge that You understand the Services are designed to be self-service and that you will use the LIMMME Insurance Needs Analysis to customise the cover to suit your needs.  

Services  

You may request output from various LIMMME tools and services through the Website. Any output generated by LIMMME is based on the information that You provide to Us and is not insurance advice nor a contract to provide insurance coverage. You hereby warrant and represent that the information You provide Us with is true, accurate, complete and up-to-date. 

Your age  

You must be at least 18 years of age to use the Website, or any other Services provided by LIMMME. Should any parent or guardian become aware that their child has provided LIMMME with personal information through the use of Our Website or Services, they should contact us on limmme.com. We will then act on any instruction from a parent or guardian to delete personal information provided by the child. 

Your account  

You agree that we will store data relating to the details of how You used our Website, and data sourced from external parties, and that such data may be used by Us in the provision of the Services.  

License  

1. The Website and/or Services are made available solely for bona fide customers and must not be used for any commercial purpose whatsoever, or for any illegal or unauthorised purpose.  

1. Subject to these Terms and Our policies (including policies made available to you within the Services) We grant You a limited, non-transferable, non-exclusive and revocable license to access and use the Website and/or Services.  

1. By accessing the Website and/or Services, You agree that You will not (either yourself or through any third party):  

• use any technology, robot, spider, screen scraper, data aggregation tool or other automatic device or process (“Automated Process”) to process, monitor, copy or extract any pages on the Website or any of the information, Content or data contained within or accessible through the Website, without Our prior written permission;  

• use any Automated Process to aggregate or combine information, Content or data contained within or accessible through the Website with information, content or data accessible via or sourced from any third party;  

• use any information on or accessed through the Website for any commercial purpose (including but not limited to market research, the provision of pricing estimates or “shadow shopping”) or otherwise (either directly or indirectly) for profit or gain;  

• use any device, software, process or routine to interfere or attempt to interfere with the proper working of the Website or any transaction or process being conducted on or through it;  

• take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to the Website;  

• reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with the Services; and  

• copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the Website without Our prior written permission.  

1. This license shall automatically and immediately, without notice, terminate if You violate any of the restrictions in section 3 above. You hereby defend, indemnify and hold harmless LIMMME, our affiliates and their respective owners, directors, offices, employees, agents and/or licensors from and against all claims, damages, losses, liabilities, costs and expense (including but not limited to legal fees and any costs incurred in identifying a violation of these restrictions) relating or connected to your violation of any of these restrictions.  

Ownership and copyright  

1. The contents of the Website , including any material, information, data, software, icons, text, graphics, lay-outs, images, sound clips, advertisements, video clips, trade names, logos, trade-marks, designs and service marks which are displayed on or incorporated in this Website  (“Content”) are protected by law, including but not limited to copyright and trade mark law. The Content is the property of LIMMME and/or licensors.  

1. Nothing contained on this Website shall be read in a manner which allows users to acquire any right, title or interest in or to the Website, or the Content thereon.  

1. Any use, distribution or reproduction of the Content is prohibited unless expressly authorised in terms of these Terms, or otherwise provided for in law.  

1. Where any of the Content has been licensed to LIMMME or belongs to any third party, Your rights of use may be subject to additional terms and conditions which that licensor or third party imposes from time to time, and You agree to comply with such third party terms and conditions.  

Cookies  

The Website makes use of Cookies in order to provide You with relevant content and the best experience possible whilst using the Website. At any stage during Your use of the Website You may choose to block the Cookies used by LIMMME, however this may impact your use or experience of the Website.  

Linking to third party websites  

The Website may contain links or references to other websites (“Third Party Websites”) which are outside of Our control, including those of advertisers and sponsors. These Terms do not apply to those Third-Party Websites, and LIMMME is not responsible for Your use of or access to those Third Party Websites, or the practices and/or privacy policies of those Third Party Websites.  

All use of Third-Party Websites is entirely at Your own risk and We shall not be responsible for any loss, expense, claim or damages, whether direct, indirect or consequential, arising from Your use of such Third Party Websites or Your reliance on any information contained in or accessed through Third Party Websites.  

Disclaimer  

While We have taken reasonable measures to ensure that the Content is accurate, to the maximum extent permitted by law, the Website, and Services are provided on an ‘as is’ basis and You expressly understand and agree that your use of the Website and/or Services is entirely at Your own risk.  

To the maximum extent permitted by law, We disclaim all representations and warranties (whether express, implied, arising under statute or otherwise) including any warranties of merchantability and fitness for a particular purpose and non-infringement of title or any third party rights.  

Limitation of liability  

To the maximum extent permitted by law, We shall not be liable for any direct, indirect, incidental, special or consequential loss or damages (including, without limitation, damages for loss of data) which might arise from Your use of, or reliance upon, the Website  and/or Services; or your inability to use the Website  and/or Services, and/or unlawful activity on the Website  and/or Services, or any linked Third Party Website.  

You hereby indemnify Us against any loss, claim or damages which may be suffered by You or any third party arising in any way from Your use of, or reliance on, this Website and/or Services, or any linked third-party website.  

Availability and termination  

We may, in Our sole discretion, at any time and for any reason and without prior written notice, suspend or terminate the operation of the Website (in whole or in part) or Your right to access or use the Website, including for scheduled and unscheduled maintenance of the Website. The functionality of the Website and the availability of certain Services through the Website may be impacted by such suspension or termination. However, You may contact Us on e-mail atinfo@limmme.com for support.  

Privacy  

All personal information provided by You to LIMMME will be processed in accordance with Our privacy policy, available at  limmme.com  

Governing law and jurisdiction  

These Terms and the relationship between You and LIMMME and/or any dispute arising from or in connection with these Terms shall be governed and interpreted in accordance with the laws of the Republic of South Africa and the exclusive jurisdiction of the courts of South Africa.  

Nothing in this clause or the Terms limits Your right to approach any court, tribunal or forum of competent jurisdiction in terms of the Consumer Protection Act, 68 of 2008 (the “CPA”).  

Notices  

LIMMME information:  

• Full name: MMM LIME (Pty) Ltd trading as LIMMME (Life Insurance Made Much Much Easier) 

• Physical Address: 190 Valley Road, Hout Bay, 7806.  

• Email address: info@limmme.com  

LIMMME may change the address set out above from time to time by updating these Terms.  

All notices sent in terms of these Terms must be sent either by hand, courier or email for the attention of LIMMME: Key Individual and must be in English.  

General  

1. These Terms apply to all Users, including Users who may be consumers for the purposes of the CPA and for the purposes of the Electronic Communications and Transactions Act, 25 of 2002 as they are amended from time to time.  

1. LIMMME reserves the right to amend, change or modify these Terms from time to time. Changes will be effective upon the posting of the modification to Our Website and Your continued use of the Website and/or Services will be considered acceptance of these changes.  

1. The headings of the clauses in these Terms are provided for convenience only and will not affect the meaning or interpretation of these Terms.  

1. LIMMME may cede, assign or otherwise transfer its rights and obligations in terms of these Terms to any third party. Affiliates [and partners] of LIMMME are intended, direct third-party beneficiaries of these Terms, and may enforce them against You.  

1. If any term or condition contained herein is declared invalid, the remaining Terms will remain in full force and effect.  

1. LIMMME’s failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision unless expressly acknowledged and agreed to by LIMMME in writing.