Union Life Limited Website Terms and Conditions


    Exclusion of liability

    • The use of this Union Life website is entirely at your own risk. The website and all its contents are provided on an "as is" basis, Union Life makes no representations or warranties of any kind, whether express or implied, to the accuracy of the contents of the website. Union Life does not warrant that the website's functions will be uninterrupted or error-free, or is free from viruses or other harmful components.
    • Union Life, its owners, directors, employees,(“officials”) , shall not be liable for any loss or damage, whether direct, indirect or consequential, or any expense of any nature whatsoever, which may be suffered by the user, which arises directly or indirectly from reliance of the website and/or its content.
    • Union Life officials shall not be responsible for any direct or indirect special consequential or other damage of any kind whatsoever suffered or incurred by user related from the use of, or your inability to access or use the content or the website or any functionality of the website or of any linked website.
    • The usage of the online contracting system contained on the Website constitutes your acceptance of the Terms and Conditions contained below and your arising obligations towards Union Life.

    External links and advertising

    • Wherever Union Life website provides links to other websites, this should not be construed as constituting any relationship or endorsement of the linked third party, and reliance on all information provided by the external link is done so at your own risk.
    • Wherever third party advertising or promotional material is displayed on this website, this should not be construed as Union Life endorsing or creating any relationship between Union Life and that third party. Reliance on any such material is entirely at your own risk.

    Electronic Contracting

    • An agreement is not without force if concluded electronically fully or partly. Union Life enables you to enter into electronic transactions online/ through the website to receive Union Life insurance products and services. By signing up the documents that are made available, you are entering into a legal binding agreement in terms of Electronic Communication Act 25 of 2002.


    • Any third party wishing to link to this website from their website must obtain permission from Union Life Management, and permission may be granted on terms and conditions agreed.
    • The Website may also contain links to other distinct websites which are owned and run by Union Life or associated companies and contains, for instance, further information on other goods and services of Union Life. These links are provided for your convenience and for the purpose of providing additional information. Where applicable, your use of the linked Union Life website is governed by the usage terms applicable to that specific website and is not governed by the Terms and Conditions of this Website.

    Limited liability of Union Life

    • The user understand, acknowledges and agrees that usage of the website and reliance on the website content is at the discretion and risk of the user. Union Life in its discretion, reserves the right at any time to change or discontinue any aspect or feature of the website, including but not limited to content, hours of availability and equipment needed for access or use of the website. Union Life shall attempt to maintain the availability and accessibility of the website, however Union Life takes no responsibility for and will not be liable for the website being temporary unavailable or inaccessible for reasons beyond Union Life control.

    Copyright and use of material

    • Union Life retains copyright in the website and all current and future content displayed on the website which is not owned by third parties.
    • This website and its contents may not be reproduced, duplicated, copied, resold or otherwise used for any commercial purpose without the express prior written consent of Union Life. No person shall claim ownership of the website content either in its entirety or otherwise. No person shall alter or remove any trademark, copyright or other notice from the Website content.

    Your privacy

    • Union Life shall endeavor to comply with all laws and regulations that protect and preserve your privacy. Union Life shall preserve, protect and deal with your personal /private information confidentially. Union Life shall adhere to amongst others the protection afforded to people in the constitution of the Republic of SA of 1996, Promotion of Access to Information Act 2 of 2000 and the Electronic Communication and Transaction Act 25 of 2002, etc.

    Accuracy of information

    • While every effort is made to ensure that the information provided on this website is current and accurate, you should not assume that this is always the case, and should consult other sources (including Union Life) before making any decision to act on this information.


    • This website is owned and operated within the Republic of South Africa. Therefore, these terms and conditions are governed by the laws of the Republic of South Africa, and the user consents to the jurisdiction of the Southern Gauteng High Court in the event of any dispute.

    Your use of the website

    • You agree that your use of this website is for lawful purposes only. You agree that you will not use this website for any unlawful purpose, including committing a criminal offence, gaining unauthorized access to other computer systems, or transmitting unlawful material. Union Life reserve the right to take appropriate steps against those found to have use this website and its information for unlawful purpose.


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