Terms and Conditions

Last updated: 26 November 2024

Mother Financial (Pty) Ltd is a company with registration number 2019/323486/07 and is an authorised financial service provider with FSP number. 50667.

By agreeing to these terms and conditions, you consent to receiving our marketing communications through digital platforms, SMS, WhatsApp, email, automated voice messages (AVM), and telephone from Mother Financial and our partners. You also consent to a credit check if required. Your personal information will be used to keep you informed of our latest promotions, offers, and information relevant to Mother Financial. More details on how we use your information can be found in our Privacy Policy.

Mother Financial collaborates with various insurance and non-insurance partners and acts as a lead generator and marketing service provider, not as the insurer itself. Any insurance product purchased will be underwritten by one of these partners and will be specified in the policy document.

SERVICE OFFERINGS

Mother Financial provides access to a variety of deals, promotions, and services across multiple categories. These categories include, but are not limited to:

• Financial services,
• Insurance,
• Automotive products and services,
• Loans and debt management,
• Cell phone and data deals,
• Job market and work-related opportunities,
• Gaming, Sports Betting, Gambling and competitions,
• Mobile subscription services,
• Lifestyle products and opportunities,
• Mobile Value-Added Services (VAS), including products and services that enhance standard offerings over mobile devices or applications,
• Other value-driven services tailored to customer needs.

Marketing communications may be sent via multiple channels, including SMS, email, WhatsApp, AVM, outbound calls and digital advertisements.

You may also receive promotional content from our third-party partners, through the channels outlined below.

By interacting with our services, you consent to us marketing to you across various channels to keep you informed of offers, specials and more. You agree that your information may be shared with third-party providers and marketplaces for these purposes.

We may contact you on behalf of Mother Financial or on behalf of our partners through:

• Automated voice messages (AVMs),
• SMS and WhatsApp,
• Email,
• Outbound calls,
• Social media platforms,
• Website and online forms.

To stop receiving these communications, you can opt-out as described below.

OPTING OUT / UNSUBSCRIBING

You can opt-out of receiving marketing communications from us at any time through the following methods:

SMS

If you reply positively (for example by replying) yes to any text message, whatsapp, instant messaging, sms received or by clicking a link in an email, you are agreeing to our terms and conditions, opting into and providing your consent to receiving marketing by us via digital channels (such as emails, BOT’s), calls, automated voice messages and sms/whatsapp irrespective of the service or product.

If you reply to a message with ‘STOP’ or by clicking an opt-out link we provided you with it will mean that you opt out of that specific service or product and no longer provide consent to receiving marketing such as email, calls, automated voice messages or SMS related to that service or product.

AUTOMATED VOICE MESSAGES

By pressing 1 (one) and/or subscribing to the services offered you are agreeing to our terms and conditions, opting into and providing your consent to receiving marketing by us via digital channels (such as emails, BOT’s), calls, automated voice messages and sms/whatsapp irrespective of the service or product.

If you press 9 (nine) or by clicking an opt-out link we provided you with it will mean that you opt out of that specific service of product and no longer provide consent to receiving marketing such as email, calls, automated voice messages or SMS related to that service or product.

DIGITAL CHANNELS & WEBSITES

By submitting a form on an ad or on our website you are agreeing to our terms and conditions, opting into and providing your consent to receiving marketing by us via digital channels (such as emails, BOT’s), calls, automated voice messages and sms/whatsapp irrespective of the service or product.

If you reply to a message with ‘STOP’ or by clicking an opt-out link we provided you with it will mean that you opt out of that specific service of product and no longer provide consent to receiving marketing such as email, calls, automated voice messages or SMS related to that service or product.

EMAIL

You can also click the “unsubscribe” link in our emails.

PLEASE NOTE

Opting out from Mother Financial communications does not automatically unsubscribe you from communications sent by third-party providers. To stop receiving messages from third parties, you must contact them directly or register on the National Do Not Contact List, which is available at www.dmasa.org

You may receive communications through various channels, including but not limited to: digital properties such as BOTS, email, push notifications, automated voice messages, SMS, and outbound calls from us or our partner call centres. If you opt out of Mother Financial communications, you may still receive messages about other products and services unless you register on the National Do Not Contact List.

CREDIT CHECKS AND ENRICHMENT

To enable our partners to provide you with relevant deals and offers, your personal information may undergo a credit check or enrichment process through accredited Credit Bureaus. By agreeing to these terms, you consent to your data being processed by third-party providers and Credit Bureaus for this purpose.

Mother Financial may also monitor your credit profile to identify opportunities for additional offers and improved service delivery.

OUR PROMISE TO YOU

• We will notify you about services and products that may interest you.
• We will comply with South African laws, including the Direct Marketing Association’s Code of Conduct.
• We will respect your opt-out requests and process them within a reasonable time.

YOUR PROMISE TO US

By agreeing to these terms, you promise:

• You are at least 18 years of age.
• The personal information you provide is accurate and up to date.
• You will not misuse our services or intellectual property.
• You will comply with all applicable laws.

INTELLECTUAL PROPERTY

All content included on the website, including but not limited to, text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is our property or the property of our content suppliers and is protected by international intellectual property laws.

All software used on the website is our property or that of our software suppliers and is protected by international intellectual property laws.

The registered and unregistered trademarks, names, logos and service marks displayed on the website belong to us. Nothing contained on the website, except as expressly stated in these terms, will be construed by you as the granting of any license or right to use any trademark without our prior written permission. All rights in and to the content and trademarks are reserved and retained by us or our content suppliers. You further acknowledge that we, or our content suppliers are the proprietors of all the content and trademarks on the website, whether it constitutes confidential information or not, and that you hold no right, title or interest in any such material.

WARRANTIES

WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE WEBSITE OR THE INFORMATION, CONTENT, MATERIALS, AND/ OR PRODUCTS INCLUDED ON THE WEBSITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE WEBSITE, ITS SERVERS, OR E-MAIL SENT FROM US ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE WILL NOT BE LIABLE IN ANY WAY FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.

NEITHER WE NOR OUR DIRECTORS, EMPLOYEES, OFFICERS, SUPPLIERS, OR SERVICE PROVIDERS MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND INCLUDING BUT NOT LIMITED TO EXPRESS NOR IMPLIED REPRESENTATIONS OR WARRANTIES, AS TO THE OPERATION OF THE WEBSITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THE WEBSITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK. IN NO EVENT SHALL WE, OUR DIRECTORS, EMPLOYEES, OFFICERS, OR OUR SUPPLIERS OR SERVICE PROVIDERS BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE WEBSITE, OUR SERVICES OR THE TERMS AND CONDITIONS (HOWSOEVER ARISING, INCLUDING BUT NOT LIMITED TO NEGLIGENCE). OUR LIABILITY OF AND THAT OF OUR DIRECTORS, EMPLOYEES, OFFICERS, SUPPLIERS, OR SERVICE PROVIDERS TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO R500.00.

GOVERNING LAW AND JURISDICTION

The Service is controlled and maintained from our facilities in the Gauteng province of the Republic of South Africa. You irrevocably agree that the law of the Republic of South Africa shall govern the Service and this Policy.

You consent to the jurisdiction of the South Gauteng High Court, Johannesburg, South Africa in respect of disputes which may arise out of your use of the Service and this Terms of Use.

GENERAL

We grant you a limited license to access the website. This license does not permit any resale or commercial use of the website or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of the website or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools.

Mother Financial reserves the right to amend these terms and conditions at any time. Continued use of our website or services constitutes your acceptance of these changes.

For full details on how we use your personal information, please refer to our Privacy Policy.

For inquiries or complaints, contact us at:

• Website: www.motherfinancial.co.za
• Email: info@motherfinancial.co.za