SECURE US FINANCIAL SERVICES (PTY) LTD TERMS OF USE

Effective: 21 August 2025

Welcome To Secure Us Financial Services!

These Terms of Use outline the rules and guidelines for using our websites, apps, and services.

By accessing or using our platforms, you agree to these terms.

If you don’t agree, please discontinue use immediately.

1. Who We Are

Synapser Proprietary Limited (Registration number: 2016/102575/07) owns and operates several platforms, including:

1.1 Websites:

• Secure Us .com

• secureus-fs.com

• secureus.co.za

• secureusfs.com

• secureusinsure.co.za

• secureusinsure.com

1.2 Apps and Services linked to these sites.

These Terms apply to all Secure Us platforms and their content, including text, images,

software, and services.

2. Key Definitions

  • “We,” “us,” “our”: Synapser and our affiliates, employees, and authorized representatives.

  • “You,” “your”: Any user accessing our platforms, including businesses, agents, or automated tools like bots.

  • “Terms”: These Terms of Use and related policies (e.g., Privacy Policy).

  • “Biometric Data”: Biometric data refers to personal information resulting from specific technical processing relating to the physical, physiological, or behavioural characteristics of a natural person, which allows or confirms the unique identification of that person. This includes facial images, fingerprint data, voice patterns, iris scans, and other similar identifiers. For the purposes of the Entry App within the SecureUs products and services, biometric data specifically includes facial recognition and fingerprint data used to verify a user’s identity and authenticate access to services. Because biometric data is classified as special personal information under South Africa’s Protection of Personal Information Act (POPIA) and special category data under the EU General Data Protection Regulation (GDPR), it is collected and processed only with the user’s explicit consent and is protected using robust encryption and

    security protocols.

  • "Software-as-a-Service" (SaaS)” refers to a software delivery model in which applications are hosted by a service provider or vendor and made available to users over the internet. Users access and use the software remotely through a web browser or app interface without installing it on their own devices. The service provider retains control over the software infrastructure, maintenance, updates, and security. Under this model, users are typically granted a limited, non-exclusive, non-transferable right to access and use the software in accordance with the applicable terms and subscription agreement, while ownership of the software and its underlying code remains with the service provider.

3. Our Services

Secure Us provides digital access to two types of subscription-based services:

Mobile Subscription Packages – These bundled offerings allow users to acquire mobile devices on a subscription basis. They include access to Secure Us’s software ecosystem (such

as Entry), optional value-added services, and device protection insurance underwritten by a third-party licensed insurer.

Standalone Insurance Products – These include personal accident and other insurance policies offered directly by licensed insurers. Secure Us facilitates the digital subscription and

premium collection on behalf of the insurer but does not provide financial advice or act as a licensed financial services provider.

Important Disclaimer

Secure Us Financial Services (Pty) Ltd is not a licensed financial services provider and does not provide financial advice or intermediary services as defined under the Financial Advisory and Intermediary Services Act (FAIS). Insurance products accessible via our platform are underwritten and administered by third-party licensed insurers and financial service

providers. All insurance-related queries, claims, and disputes must be directed to the relevant insurer, as detailed in your policy documentation.

4. Subscription Fees and Insurance Premiums

Subscription fees paid to Secure Us may include both software access fees and an insurance premium portion. Secure Us collects the full subscription amount and, where applicable, pays the insurance premium portion directly to the insurer on your behalf. Your policy documentation will reflect this breakdown. Secure Us does not collect premiums as an FSP

but acts as a platform operator facilitating bundled services.

If you subscribe to an insurance product via our platform, the terms and conditions of that product's Insurance Policy, as issued by the insurer, will prevail in the event of any conflict with these Terms of Use.

5. Using Secure Us Platforms

You’re welcome to explore and /or subscribe to our platforms under these conditions:

  • Privacy Policy: Please refer to our Privacy Policy which describes the way that we collect, store, use, and protect information that can be associated with you or another specific natural or juristic person and can be used to identify you or that person (personal information).

  • Cookie Policy: Please refer to our Cookie Policy which describes what cookies are, what we use them for, and how you can manage them during your visit to, or use of our website and/or services. This policy works alongside our Privacy Policy.

  • Legal Compliance: We comply with relevant data protection regulations, including POPIA, GDPR and CCPA, to ensure your data is handled legally and securely.

  • Permitted Use: Use our platforms for personal, informational purposes. Commercial use requires prior written permission.

  • Limited License: You may view, download, or share content, but only for non-commercial purposes and with proper copyright attribution.

  • No Harmful Actions: Do not harm, disable, or misuse our platforms. This includes:

    • Introducing malicious software.

    • Attempting unauthorized access.

    • Using bots or crawlers without permission.

  • Linking Policy: You can link to our homepage but not to internal pages unless expressly authorized.

We reserve the right to revoke access for any reason, at any time, without notice.

6. What You Must Not Do

When using our platforms, avoid:

  • Violating these terms or any laws.

  • Misusing intellectual property or content.

  • Creating harmful links, framing, or misrepresenting our platforms.

  • Interfering with other users or attempting to reverse-engineer our systems.

We actively monitor misuse and may take legal action if necessary.

7. Accuracy of Information

We work hard to keep content accurate and up to date, but:

  • No Guarantees: Content might not always be complete, current, or accurate.

  • Your Responsibility: Don’t rely solely on our content for important decisions.

8. Your Promises to Us

8.1 By using Synapser platforms, you confirm that:

  • You’re at least 18 years old or have permission from a guardian.

  • The information you provide is accurate and truthful.

8.2 You confirm that you are authorised to provide the identification and biometric information requested by Entry, and consent to its use for authentication and verification.

8.3 Where you submit personal or biometric data of another individual (such as a beneficiary or dependent), you confirm that you have obtained their lawful consent to do so and acknowledge that their information will be processed in accordance with our Privacy Policy. 

8.4 Secure Us is not liable for access issues arising from failed biometric recognition.

9. Our Intellectual Property

All rights to the content, design, and trademarks on our platforms belong to us or our licensors. You may not:

  • Modify, distribute, or copy content without permission.

  • Use Synapser trademarks without prior consent.

10. Liability and Disclaimers

  • No Warranties: We provide our platforms “as is.” This means no promises about quality, accuracy, or uninterrupted access.

  • Limited Liability: We are not liable for content or issues on external websites linked to ours. To the maximum extent permitted by law, our liability to you for any claims arising out of or relating to the use of our platforms or services is limited to R10,000 in aggregate.

  • We are not responsible for indirect losses like lost data or profits.

11. Platform Use Restrictions

By accessing our platforms, you agree not to:

• Use bots, scrapers, or other automated tools to extract content or interfere with services;

• Attempt to reverse-engineer or replicate any part of our platform;

• Use the platform for any unlawful, fraudulent, or commercial resale purpose;

• Submit false or unauthorized information or impersonate another person.

Secure Us reserves the right to terminate access immediately in cases of abuse or violation of these restrictions.

12. General Terms

  • Personal Data: You may request access to or deletion of your personal data at any time, in accordance with our Privacy Policy and applicable law. Upon cancellation or termination of your subscription, certain

  • Changes to Terms: We may update these Terms periodically. Continued use means you accept the changes.

  • Force Majeure: We shall not be held responsible for any delay or failure in performance of our obligations under these Terms if such delay or failure arises from events beyond our reasonable control, including but not limited to acts of God, natural disasters, strikes, power failures, telecommunication or internet outages, or the actions of third parties.

  • Severability: If a part of these Terms is invalid, the rest remain enforceable.

  • Jurisdiction: These Terms are governed by South African law.

  • Notices: Any formal communication required under these Terms must be sent by email to info@secureus.co.za or by registered mail to our registered office as listed on our website. We may contact you using the most recent email address you provided.

13. Contact Us

If you have questions or concerns about these Terms, contact us at:

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

By using Synapser platforms, you agree to these Terms of Use.

Thank you for being part of our community!