SOFTWARE AS A SERVICE AGREEMENT
SECURE US FINANCIAL SERVICES (PTY) LTD
(Registration number: 2022 / 768698 / 07)
21 August 2025
Welcome to SecureUs!
These Terms and Conditions (“T&Cs”) apply when you subscribe to any SecureUs Subscription Service Packages or SecureUs Software as a Service Subscription. Please read them carefully, as they outline your rights and responsibilities.
By subscribing to SecureUs products and services, you are granted a limited, non-exclusive, non-transferable license to access and use the SecureUs app and web portal (the “Platform”) for personal, lawful, and non-commercial purposes.
You agree not to:
• Attempt to copy, reverse engineer, decompile, disassemble, or create derivative works from any
part of the Platform;
• Circumvent or disable security or authentication features;
• Use bots, scrapers, or other automated systems to access the Platform;
• Transmit malicious code or disrupt service functionality.
• We reserve the right to suspend or terminate access to the Platform if you violate this clause.
By clicking a box indicating your acceptance of this agreement or by executing a service order that references this agreement, you agree to all terms and conditions of this agreement. If you are entering into this agreement on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these terms and conditions and that you do hereby bind such entity to these terms and conditions. If you do not have such authority, or if you do not agree with all of these terms and conditions, then you must not accept this agreement and may not access or use the service.
IMPORTANT INFORMATION
1. This Agreement sets out the terms under which SecureUs provides personalized subscription services and related devices to subscribers.
Key Points to Note:
i Some terms may limit SecureUs's liability or that of third parties.
ii Other terms may create obligations or liabilities for you.
iii You may also be required to indemnify SecureUs or third parties under certain conditions.
iv By agreeing, you acknowledge specific facts outlined in this document.
2. Changes to Offers:
SecureUs may modify or withdraw advertised deals without notice. For the latest details, visit https://www.secureusfs.com/ or contact one of our agents. Errors and omissions are excluded.
3. Pricing: All prices listed include VAT.
By using our services or purchasing our devices, you accept these Terms and Conditions.
Thank you for choosing SecureUs!
1. DEFINITIONS
All definitions used in the Agreement are specified in Annex A.
2. USE OF THIRD PARTIES, PRIVACY AND USE OF DATA
At SecureUs, we value your privacy and are committed to protecting your personal information. Here's how your data is handled:
2.1 Role of SecureUs:
SecureUs is not a licensed financial services provider and does not provide insurance advice or underwriting services. Insurance products offered via the platform are underwritten and administered by licensed third-party insurers.
2.2 Your Personal Information:
By using our services, you consent to the collection, processing, and storage of your personal information in accordance with our Privacy Policy and applicable data privacy laws.
2.3 Third-Party Assistance:
To comply with POPIA, GDPR and the Financial Advisory and Intermediary Services (FAIS) Act, we confirm that SecureUs acts as a data controller with regard to data required for platform access and service delivery. Data provided for voluntary insurance products is shared with the underwriters, 1Life Insurance Limited, a licensed life insurer and authorised Financial Services Provider (FSP 24769) for funeral cover and Auto & General Insurance Company Limited, a licensed non-life insurer and registered financial services provider (FSP16354) for personal accident cover. Both insurers act as independent data controllers for insurance-related processing.
2.4 Sharing Your Information:
We may share your personal information with these third parties, but only to the extent necessary to deliver the subscription services to you.
2.5 Third-Party Information Disclosure:
If you subscribe to an insurance product that allows you to nominate beneficiaries or dependents, you may be required to submit personal and/or biometric information about such individuals (e.g. name, ID number, date of birth, facial photo). By submitting this information, you confirm that you have obtained the necessary permission or legal authority to do so. You acknowledge and agree that this information may be shared with the relevant insurer for policy fulfilment, claims processing, and compliance purposes in accordance with our Privacy Policy.
2.6 Marketing Communications:
As a SecureUs customer, you may receive direct marketing messages about our services or related offerings. If you prefer not to receive these, you can opt out at any time.
3. PLATFORM AVAILABILITY AND DOWNTIME
SecureUs will use reasonable efforts to ensure the availability of the platform, including the SecureUs App and web portal. However, we do not guarantee uninterrupted access. Access may be temporarily unavailable due to maintenance, technical failures, internet outages, or events beyond our control. SecureUs is not liable for any delay in claims, services, or support arising from such events.
4. TECHNOLOGY DEPENDENCY
Access to certain services, including claim support, beneficiary updates, and Funeral Assist coordination, may depend on access to the SecureUs platform and/or the AAA Response mobile application. SecureUs is not responsible for delays or limitations caused by app unavailability, network failure, device compatibility issues, or third-party system outages.
5. PLACING ORDERS FOR SUBSCRIPTION PRODUCTS AND SERVICES
Here is how you can subscribe to SecureUs products and products and services and what to expect:
5.1 How to Subscribe:
You can place an order for a SecureUs subscription through:
A. A designated SecureUs representative, or
B. The SecureUs web portal, or
C. A Corporate Employee Benefits Programme, if SecureUs has an agreement with your employer.
5.2 Your Order as an Offer:
When you place an order, it serves as an offer to subscribe to SecureUs services and acknowledgement and agreement with the Terms and Conditions of this Agreement.
5.3 Eligibility to Subscribe:
Our services are available to:
A. Natural and/or juristic persons within the country of subscription, subject to applicable laws.
B. Natural persons who are 18 years or older or have attained legal majority status.
5.4 Your Legal Capacity:
By subscribing, you confirm that:
i. You have the legal capacity to enter into this Agreement.
ii. Your legal status is not restricted by any court or authority within your country of subscription or laws outside the country that affect your status locally.
5.5 For insurance-related products, SecureUs acts only as a platform operator. The full terms and conditions of cover are outlined in the Key Information Document (KID) and Policy Wording issued by the insurer. By subscribing to an insurance product, you acknowledge that you have read and accepted the applicable KID and agree to be bound by the insurer’s policy terms.
5.6 Right to Refuse Orders:
SecureUs reserves the right to decline any subscription order at its discretion, provided such refusal does not violate the law.
6. SUBSCRIPTION FEES AND PAYMENT
6.1 Activation of Subscription
Your subscription will only be fully activated once we receive confirmation of your first payment. Until then, access to certain products and services may be limited. If no payment is received within 14 days of order placement, your subscription request may be cancelled.
6.2 Payment Obligation:
The prescribed fee shall be due and payable to SecureUs:
i. By you if subscribed through the SecureUs web portal. The subscription order day will remain your monthly payment day for the duration of the subscription, or
ii. By your employer if the subscription is part of a corporate benefits program, deducted monthly from your salary, or
iii. By your employer if they have agreed to cover the monthly subscription fee as part of a corporate program, in which case SecureUs will bill your employer.
7. LATE PAYMENT / NON-PAYMENT
7.1 Late Payment Fee:
SecureUs reserves the right to levy late payment or pro-rata fees.
7.2 Suspension for Non-Payment:
If payment is not received, SecureUs may suspend products and services. Refer to the Period of Cover and Premiums section contained within the policy wording of this Agreement.
8. SUSPENSION OF SUBSCRIPTION PRODUCTS AND SERVICES FOR NON-PAYMENT
8.1 Suspension Conditions:
SecureUs may suspend products and services in the following cases:
i Non-compliance with terms, including but not limited to, non-payment of prescribed fees, and / or,
ii Regulatory directives and / or,
iii Other contractual provisions.
9. LIABILITY
9.1 SecureUs shall not be liable for any breach of this Agreement or failure to perform obligations due to:
i Technical problems and/or,
ii Termination of license to operate or use the Platform and/or,
iii Scheduled maintenance and/or,
iv Acts of God or government restrictions and/or,
v Industrial disputes and/or,
vi Other causes beyond the reasonable control of SecureUs.
This limitation does not apply in cases of gross negligence or wilful misconduct.
9.2 You indemnify and hold SecureUs and our affiliate companies harmless against any expense, loss, claim, harm, or damage brought against, suffered, or sustained by SecureUs and our affiliate companies, which arises directly or indirectly out of a breach of the terms of this Agreement by you or by your use of the Products and services , other than in respect of losses caused by the gross negligence or intentional misconduct of SecureUs and our affiliate companies or any of their respective employees, directors or agents.
9.3 SecureUs shall not be liable to you for any breach of this Agreement or failure on SecureUs’s part to perform any obligations as a result of technical problems relating to the products or services, termination of any license to operate or use the software, act of God, government control, restrictions or prohibitions or other government act or omission, whether local or national, industrial disputes or any other cause beyond the control of SecureUs.
10. Data Portability and Termination of Services:
Upon termination of your subscription, your account may be deactivated and access to services and features suspended. You may request a copy of your personal data held by SecureUs, which we will provide where required by law. SecureUs reserves the right to retain certain information for legal or regulatory reasons, as outlined in our Privacy Policy.
11. Dispute Resolution Clause:
If you are dissatisfied with any aspect of this Agreement or a claim has been rejected, you may raise a formal complaint to SecureUs via the contact details provided. If unresolved, we will refer you to the relevant Ombud service or propose alternative dispute resolution mechanisms in accordance with applicable law.
12. YOUR UNDERTAKINGS
You shall –
12.1 Comply with all instructions issued by SecureUs which concern your use of the products and services; and
12.2 Not be entitled to commercially exploit the products and services in any manner whatsoever without SecureUs prior written consent;
12.3 Provide SecureUs with all such necessary information as SecureUs may, in its sole discretion, reasonably and lawfully require; and
12.4 Engage with SecureUs, other members of the SecureUs Company and their respective staff and agents in a courteous, cordial and respectful manner at all times.
13. PLATFORM CONDUCT AND RESPONSIBILITIES
You are responsible for keeping your login credentials confidential and ensuring that your mobile device or browser is secure. You may not interfere with, misuse, or attempt to compromise the integrity of the SecureUs platform. You may not allow any third party to access the service on your behalf unless lawfully authorised to do so (e.g., a registered beneficiary or legal guardian).
14. OUR RESPONSIBILITY TO YOU
14.1 We shall not be responsible for any failure by us to perform our obligations to you in relation to your subscription where this failure is caused by circumstances beyond our control. We are however under a legal duty to supply goods that are in conformity with our agreement with you.
14.2 We shall not be responsible for any failure to deliver your subscription if you have supplied us with an incorrect address for delivery or you provided an incorrect contact number.
14.3 We exclude all other liability to you to the extent permitted by law. Our exclusions of liability shall not apply to any damages arising from death or personal injury caused by our negligence or that of any of our employees or agents.
15. GENERAL PROVISIONS
15.1 Entire Agreement
This Agreement constitutes the entire agreement and understanding of the Parties with respect to the subject matter hereof and supersedes and terminates all other prior commitments, arrangements, or understandings, both oral and written, between the Parties with respect thereto. This Agreement may not be modified or amended except by an instrument in writing executed by each of the Parties. None of the provisions of this Agreement will be deemed to have been waived by any act or acquiescence on the part of either Party, their agents, or employees, but may be waived only by an instrument in writing signed by an officer of the waiving Party. No waiver of any provision of this Agreement on one occasion will constitute a waiver of any other provision or of the same provision on another occasion.
15.2 Governing Law:
This Agreement shall be governed by and construed in accordance with Law of the Republic of South Africa.
15.3 Binding Effect
This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assignees.
15.4 Severability.
In case any one or more of the provisions or portions of provisions, of this Agreement shall be deemed by any governmental authority to be invalid, illegal or unenforceable in any respect, the validity, legality and enforceability of the remaining provisions, or portions of provisions contained herein shall not be in any way affected or impaired thereby.
15.5 Omissions or Delays
No omission or delay on the part of any party hereto in requiring a due and punctual fulfilment by the other party hereto of the obligations of such other party hereunder shall be deemed to constitute a waiver by omitting or delaying party of any of its rights to require such due and punctual fulfilment of any other obligation hereunder, whether similar or otherwise, or a waiver of any remedy it might have.
15.6 Modifications
Any modifications to this Agreement must be in writing and signed by a proper and duly authorised representative of the Party to be bound thereby.
15.7 Remedies Not Exclusive
No remedy conferred by this Agreement is intended to be exclusive of any remedy, except as expressly provided, and each and every remedy shall be cumulative and in addition to every other remedy given under this Agreement for now or in the future existing in law or in equity or by statute or otherwise.
15.8 Right of third parties
This Agreement is not made for the benefit of, nor shall any of its provisions be enforceable by any person
other than the Parties to this Agreement and their respective successors and permitted assignees.
15.9 Waivers
15.9.1 The Parties irrevocably waive any right it may have to claim damages and/or rescission for:
15.9.2 any misrepresentation not contained in this Agreement; or
15.9.3 any breach of any warranty or undertaking (other than those contained in this Agreement) whether express or implied, statutory, or otherwise; unless such misrepresentation, warranty or undertaking was made fraudulently.
15.10 Notices
Any notices or other communications required or permitted hereunder will be in writing by email, subject to ‘read receipt’ or personally delivered at the principal business addresses designated at the beginning of this Agreement, or mailed by registered or certified mail, return receipt requested, postage prepaid, at the address set forth above, or to such other address or addresses as may be hereafter furnished by one Party to the other Party in compliance with the terms hereof.
Website Chat:
Visit our website at https://www.secureusfs.com/ and use the chat function to chat to our agents.
Monday to Friday: 8am-5pm,
Weekends: 8am-5pm
Email: info@secureus.co.za/
15.11 SecureUs reserves the right, in its sole discretion, to vary these terms and conditions. SecureUs may elect, in its sole discretion, to notify the Customer of such variation in writing or to publish such variation at its principal place of business, or on https://www.secureusfs.com/
15.12 These terms and conditions constitute the whole agreement between the parties relating to the Service and no representations or warranties other than those set out herein shall be binding on the parties, save for any amendment affected in terms of the AMENDMENT OF SUBSCRIPTION section above.
15.13 In the event of any one or more of these terms and conditions being unenforceable, the same will be deemed to be severable from the remainder of the terms and conditions which shall nevertheless be binding and enforceable.
Annexure A: Definitions
When considering this Agreement, please note that –
i “Corporate Employee Benefits Programme” means a formal agreement between SecureUs and an Employer whereby the Employer has entered into a contractual agreement with SecureUs to provide certain subscription benefits to designated employees.
ii “Monthly Subscription” shall mean the period of 30/31 days from the first payment date or arrangement date as applicable, to the same date or day of the following week or month subject to normal calendar days, adjusted for February or leap year dates.
iii “Notice” shall mean any form of communication, including digital or otherwise, issued by SecureUs, its agents or its affiliated third parties to inform the customer/client of the status of their order, including but not limited to, missed payment, missed late payment or any other official communication.
iv "SecureUs Subscription Service", means "our products and services ", or "the service" means the personalised products and services provided by SecureUs, including all features and functionalities associated with our products and services or devices.
v “Software-as-a-Service (SaaS)” means SecureUs software is delivered on a Software-as-a-Service (SaaS) basis. This means users access our platform functionality remotely via the internet, while SecureUs retains full ownership and control of the software and related systems. Users are granted a limited, non-exclusive, non-transferable license to use the platform solely for lawful personal purposes.
vi The use of the words “we”, “us” and “our” refers to SecureUs Products and services.
vii Words indicating any one gender shall include the others and the singular shall include the plural.
viii "days" shall mean calendar days unless qualified by the word "business", in which instance a "business day" shall mean any day other than a Saturday, Sunday or public holiday as gazetted by the National Government from time to time.
ix Unless specifically otherwise provided, any number of days prescribed shall be determined by excluding the first and including the last day or, where the last day falls on a day that is not a business day, the next succeeding business day.
x The use of the expression "but not limited to" by SecureUs indicates that the prescribed list is not a closed one and that there may be other matters not listed to which the clause applies.