These Terms of Use ("the Terms of Use") govern your ("the User" / "You") use of the (Hippo Comparative Services (Pty) Ltd) website located at the domain name (www.hippo.co.za) ("the Website"). By accessing and using the Website, the User agrees to be bound by the Terms of Use set out in this legal notice. If the User does not wish to be bound by the Terms of Use, the User may not access, display, use, download, and/or otherwise copy or distribute any Content obtained from the Website. The Terms of Use become effective when you access the site for the first time and constitute a binding agreement between Hippo Comparative Services (Pty) Ltd and the User, which will always prevail. The current version of the Terms of Use will govern our respective rights and obligations each time you access this site.

By accessing and using the Website the User agrees and acknowledges that Hippo Comparative Services (Pty) Ltd will be processing the User’s personal information and / or use of the Website in order to render the Online Services. Hippo Comparative Services (Pty) Ltd confirms that it will process the personal information of the User in accordance with the provisions of the Protection of Personal Information Act, Act 4 of 2013, and that appropriate security safeguard measures have been implemented to protect the personal information. Personal information will only be processed for a legitimate business purpose and will only be shared with a third party where it is necessary to render the Online Services or is required by law.

All Medical Scheme introductions, quotations and related information are provided by Hippo Advisory Services (Pty) Ltd, a private company with company registration number 2004 / 018981 / 07, duly registered and incorporated in terms of the Company laws of South Africa, which is a registered Financial Services Provider (FSP No 36088), licensed to provide Health Service Benefits.

Hippo Comparative Services (Pty) Ltd's online products and services ("Online Services") are subject to registration procedures and approvals, which Hippo Comparative Services (Pty) Ltd may accept or reject at their sole discretion.

Hippo.co.za is free to use, and commission free. We make money simply by charging our partners a fee when a customer chooses to find out more about their products. This fee does not influence the price you pay. The price you see is sourced real-time from the providers' database and does not include any hidden fees or charges.

Hippo Comparative Services (Pty) Ltd receives various types of information ("the Information") from Users who access the Website. Hippo Comparative Services (Pty) Ltd makes every effort to protect any Information received by it. Despite such undertaking, it is possible for Internet-based communications to be intercepted. Without the use of encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. Hippo Comparative Services (Pty) Ltd will not be responsible for any damages the User or any third party may suffer as a result of the transmission of confidential or personal information that the User submits to Hippo Comparative Services (Pty) Ltd through the Internet, or that the User expressly or implicitly authorises Hippo Comparative Services (Pty) Ltd to receive, or for any errors or any changes made to any transmitted information. To ensure acquaintance with and awareness of the privacy measures and polices of Hippo Comparative Services (Pty) Ltd, the User is urged to read and understand Hippo Comparative Services (Pty) Ltd's Privacy and Security Policy, outlining Hippo Comparative Services (Pty) Ltd's commitment to the User's privacy and the security of their personal information.

Hippo Comparative Services (Pty) Ltd reserves the right to, amend, change, modify, add to or remove from portions or the whole of the Terms of Use from time to time. Changes to the Terms of Use will become effective upon such changes being posted to the Website. By accessing the Website You are bound to the version of the Terms of Use published here at the time of any visit to the Website. You agree to view the current version each time you access the Website. The User's continued use of this Website following the posting of changes or updates will be considered notice of the User's acceptance to abide by and be bound by the Terms of Use, including such changes or updates. Hippo Comparative Services (Pty) Ltd reserves the right to make any changes to the Website, the Content, or to products and/or services offered through the Website at any time and without notice. A certificate signed by the administrator responsible for maintaining the Website will be prima facie proof of the date of publication and content of the current version and all previous versions of the Terms of Use.

Hippo Comparative Services (Pty) Ltd provides certain information (“the Content”) on the Website. Content currently or anticipated to be displayed at this Website is provided by Hippo Comparative Services (Pty) Ltd, its affiliates and/or subsidiary, or any other third party owners of such content, and includes but is not limited to Literary Works, Musical Works, Artistic Works, Sound Recordings, Cinematograph Films, Sound and Television Broadcasts, Program-Carrying Signals, Published Editions and Computer Programs. All such proprietary works, and the compilation of the proprietary works, are copyright of Hippo Comparative Services (Pty) Ltd, its affiliates or subsidiary, or any other third party owner of such rights (“the Owners”), and is protected by South African and International copyright laws. Accordingly, any unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other circulation or exploitation of the Content or any component thereof will constitute an infringement of such copyright and other intellectual property rights; save that you may use the materials or any component thereof for your own internal purposes and for the purposes of ordering service/s from Hippo Comparative Services (Pty) Ltd.

The trademarks, names, logos and service marks (collectively "Trademarks") displayed on the Website are the registered and unregistered Trademarks of Hippo Comparative Services (Pty) Ltd, its affiliates and/or subsidiary, or any other third party owners of such content. Nothing contained on the Website should be construed as granting any license or right to use any Trademark without the prior written permission of Hippo Comparative Services (Pty) Ltd and / or its affiliates and/or subsidiary, or any other third party owners of such content. Except as specified in the Terms of Use, the User is not granted a license or any other right including without limitation under Copyright, Trademark, Patent or other Intellectual Property Rights in or to the Content and Trademarks. All rights in and to the Content and Trademarks is reserved and retained by Hippo Comparative Services (Pty) Ltd and/or the Owners, as the case may be.

Irrespective of the existence of Copyright, the User acknowledges that Hippo Comparative Services (Pty) Ltd and/or the Owners, as the case may be are the proprietors of all the Content and Trademarks on the Website, whether it constitutes confidential information or not, and that the User has no right, title or interest in any such material.

• Hippo Comparative Services (Pty) Ltd grants to the User, subject to the further terms of the Terms of Use, a non-exclusive, non-transferable, limited and revocable right to access, display, use, download and otherwise copy the current and future Content for personal, non-commercial and information purposes only.
• This Website and the Content may not be reproduced, duplicated, copied, resold, visited or otherwise exploited for any commercial purpose without the express prior written consent of Hippo Comparative Services (Pty) Ltd.
• The license does not allow the User to collect product or service listings, descriptions or other information displayed here, and does not allow any derivative use of this Website or the Content for the benefit of another merchant.
• The User may not frame nor use framing technologies to enclose the Website or the Content nor any part thereof without the express written consent of Hippo Comparative Services (Pty) Ltd
• The User is restricted to use the Website and Content, only for lawful purposes and warrants that he/she shall not:
  • use the Website to transmit material which is in violation of any law or regulation, which is obscene, threatening, racist, menacing, offensive, defamatory, in breach of an duty of confidence, in breach of any intellectual property rights, or otherwise objectionable or unlawful; and
  • other than for personal and non-commercial use, store on a computer, or print copies of extracts from the Website, and other than for personal and non- commercial use, "mirror" or cache any of the Content of Website on a server, or copy, adapt, modify or re-use the text or graphics obtained from the Website, without the prior written permission of Hippo Comparative Services (Pty) Ltd.
• Hippo Comparative Services (Pty) Ltd does not offer products or services to minors. If you are under the age of 18, you may not respond to or otherwise accept or act upon any offers in the Website.
• Hippo Comparative Services (Pty) Ltd, their affiliates or subsidiaries reserve the right to refuse service, terminate accounts, remove or edit Content, or cancel orders at their sole discretion.
• Any unauthorised use terminates this license.
  
  

No User may establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise (collectively referred to as “Linking”), to the Website or any subsidiary pages before receiving Hippo Comparative Services (Pty) Ltd’s prior written approval, which may be withheld or granted subject to the conditions Hippo Comparative Services (Pty) Ltd may specify from time to time.

An application for Linking must be submitted to [email protected]. Once received Hippo Comparative Services (Pty) Ltd will do its best to respond and enter into further discussions with the User. If the User does not receive a written response from Hippo Comparative Services (Pty) Ltd within five business days, the User must consider the request as having been rejected.

A breach of this provision entitles Hippo Comparative Services (Pty) Ltd to take legal action without prior notice to the User and the User agrees to reimburse Hippo Comparative Services (Pty) Ltd with the costs associated with such legal action, on an attorney and own client scale.

Notwithstanding the fact that hyperlinks exist, in the Terms and Conditions, to facilitate access to notices, policies and legislation that are incorporated into the Terms and Conditions, the User agrees that in those instances, where some or all of the hyperlinks malfunction or are not operational, such occurrence shall not affect the validity or enforceability of the Terms and Conditions. The User undertakes to, at their own convenience and discretion, review and acquaints themselves with necessary documents and/ or terms.

A cookie is a piece of information that is placed automatically on your computer’s hard drive when you access the site. The cookie uniquely identifies your browser to the server. Cookies allow us to store information on the server to help make the Web experience better for you and to conduct site analysis and Web site performance review as well as optimize marketing. Most Web browsers are set up to accept cookies, although you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. Note, however, that some portions of our site may not work properly if you refuse cookies. The personal information they collect is aggregated and does not link to personal information.

A cookie is a piece of information that is placed automatically on your computer’s hard drive when you access the site. The cookie uniquely identifies your browser to the server. Cookies allow us to store information on the server to help make the Web experience better for you and to conduct site analysis and Web site performance review as well as optimize marketing. Most Web browsers are set up to accept cookies, although you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. Note, however, that some portions of our site may not work properly if you refuse cookies. The personal information they collect is aggregated and does not link to personal information.

The User undertakes not to use any technology to search and /or gain information from the Website without Hippo Comparative Services (Pty) Ltd’s written consent.

Software, if any, made available for download on or via the Website may be governed by license conditions that establish a legal relationship with the licensor. The User indemnifies Hippo Comparative Services (Pty) Ltd against any breach of these license conditions. Hippo Comparative Services (Pty) Ltd gives no warranty and makes no representation, whether express or implied, as to the quality or fitness for purpose of the use of such software.

No warranty, whether express or implied, is given that any files, downloads or applications available via the Website is free of viruses, Trojans, bombs, time-locks or any other data or code which has the ability to corrupt or affect the operation of the User’s computer, database, network or other information system.

Although Hippo Comparative Services (Pty) Ltd has taken reasonable care to ensure that the Content on the Website is accurate and that the User will not suffer loss or damage as a result of their use of the Website, the Website is provided on an “as is” basis. Use of the Website is entirely at the User’s own risk. The User assumes full responsibility for any loss or damage resulting from their use of the Website and their reliance on any of the Content or a part/s thereof, contained on the Website.

The Website and all Content on the Website, including any current or future offer of products or services, are provided on an “as is” basis, and may include inaccuracies or typographical errors. Hippo Comparative Services (Pty) Ltd makes no warranty or representation as to the availability, accuracy or completeness of the Content. Neither Hippo Comparative Services (Pty) Ltd nor any holding company, affiliate or subsidiary of Hippo Comparative Services (Pty) Ltd, shall be held liable for any direct or indirect, special, consequential or other damage of any kind whatsoever suffered or incurred, related to the use of, or the inability to access or use the Content or the Website or any functionality thereof, or of any linked website, even if Hippo Comparative Services (Pty) Ltd is expressly advised thereof.

The User unconditionally and irrevocably indemnifies and holds Hippo Comparative Services (Pty) Ltd harmless against all and any loss, liability, actions, lawsuits, proceedings, costs, demands and damages of all and every kind, (including direct, indirect, special or consequential damages), and whether in an action based on contract, negligence or any other action, arising out of or in connection with the failure or delay in the performance of the services offered on the Website, the use of the services offered on the Website, the Content available on the Website or any other matter, directly or indirectly, related to the User’s use of the Website, whether due to Hippo Comparative Services (Pty) Ltd’s negligence or not.

This Website is controlled, operated and administered by Hippo Comparative Services (Pty) Ltd from its offices as set out below within the Republic of South Africa. Hippo Comparative Services (Pty) Ltd makes no representation that the Content is appropriate or available for use in any other locations or countries. Access to the Website from territories or countries where the Content is illegal, is prohibited. The User may not use this Website in violation of South African export laws and regulations. If the User accesses this Website from locations outside of South Africa, that User is responsible for compliance with all local laws. These Terms and Conditions shall be governed by the laws of the Republic of South Africa and the User consents to the jurisdiction of the Transvaal Provincial Division of the High Court, in the event of any dispute.

If any of the provisions of these Terms and Conditions are found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions, and the remainder of these Terms and Conditions shall continue in full force and effect.