Nkete Life Solutions
Nkete Life Solutions (Pty) Ltd is an authorised Financial Services Provider, FSP 51909.
TERMS & CONDITIONS
Clear terms. Clear expectations.
These Terms & Conditions explain the rules that apply when you access or use the Nkete Life Solutions website, submit an enquiry or use an online application facility.
Nkete Life Solutions (Pty) Ltd · FSP 51909
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AUTHORISED FSP
FSP 51909
Website Terms
Please read these terms before using the website.
These Terms & Conditions apply to your access to and use of the Nkete Life Solutions website and its online features.
By continuing to use the website, you acknowledge these terms. If you do not agree with them, you should stop using the website.
Information & enquiries
The website provides information about services and allows visitors to make enquiries or submit information.
Formal documents govern
Quotations, disclosure documents, policy wording and other formal documentation govern the specific product or service.
Last updated
September 2026
01 · Purpose of the Website
Information, guidance and a way to get in touch.
The Nkete Life Solutions website provides general information about the business, the financial-services areas in which it assists clients, and ways to contact Nkete Life Solutions.
The website may also provide forms that allow you to submit enquiries, requests for assistance or information relating to an application.
WEBSITE CONTENT
The website is not itself a policy contract.
Product-specific rights, benefits and obligations are governed by the relevant formal documentation.
02 · Financial Services Information
General website information is not a substitute for individual advice.
Financial needs and circumstances differ from one person to another. Information on this website should therefore be read together with the advice and formal documents relevant to your individual circumstances.
General information
Product descriptions and educational information on this website are provided as general information about the types of solutions available.
Individual circumstances
Appropriate financial-services advice may depend on your personal circumstances, needs, objectives and information provided during the advice process.
Product terms
Specific benefits, premiums, exclusions, eligibility, waiting periods and other conditions depend on the relevant product and documentation.
03 · Enquiries, Quotes & Applications
Submitting information does not automatically create cover.
Sending an enquiry, requesting a quotation or completing an online application does not by itself mean that insurance cover or another financial product has been accepted, approved or brought into force.
Where applicable, an application may still be subject to assessment, underwriting, provider requirements, supporting documents, acceptance and the applicable product terms.
You should not assume that cover is in force until you have received appropriate confirmation through the applicable process.
YOUR RESPONSIBILITY
Information submitted should be complete and accurate.
Incorrect, incomplete or misleading information can affect an application, policy or claim, depending on the circumstances and applicable product terms.
04 · Accuracy of Website Information
We aim to keep information clear and current.
Nkete Life Solutions aims to keep the information published on this website accurate and useful.
Website content may, however, become outdated or contain errors, particularly where product terms, provider requirements, legislation or other external information changes.
IMPORTANT
Before relying on product-specific information, confirm the current details with Nkete Life Solutions and review the relevant formal documentation.
05 · Acceptable Use
Use the website lawfully and responsibly.
You may use the website for legitimate personal, business or informational purposes consistent with these terms and applicable law.
Attempt unauthorised access
Do not attempt to gain unauthorised access to the website, its administration areas, systems, accounts or information.
Interfere with the website
Do not knowingly introduce malicious code or interfere with the operation, availability or security of the website.
Misuse forms
Do not use enquiry or application forms for spam, fraudulent, unlawful or misleading submissions.
Provide accurate information
Where you submit information about yourself, take reasonable care to ensure that it is accurate and complete.
06 · Intellectual Property
Website content remains protected content.
Unless otherwise indicated, the website's branding, layout, written content, graphics and other original material are owned by, licensed to or used with permission by Nkete Life Solutions.
Personal reference
You may view, print or save website information for your own lawful personal reference.
No misleading reproduction
Website material should not be reproduced or presented in a way that falsely suggests endorsement, ownership or association with Nkete Life Solutions.
Commercial use
Commercial copying, redistribution or use of original website content may require prior permission from Nkete Life Solutions.
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07 · External Websites & Third Parties
Some links lead beyond Nkete Life Solutions.
The website may contain links to insurers, regulators, ombuds, service providers or other external websites.
External websites are operated independently and their content, availability, security and privacy practices are subject to their own terms and policies.
08 · Privacy & Personal Information
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PERSONAL INFORMATION
Read the Privacy Policy
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Personal information is covered by our Privacy Policy.
When you submit personal information through the website, that information may be processed for the purposes explained in the relevant form and Privacy Policy.
This is particularly important where a financial-services or insurance application requires detailed personal, financial, lifestyle or health information.
09 · Electronic Communications
We may communicate electronically.
When you use an online form or contact Nkete Life Solutions electronically, communication relating to your enquiry may also take place electronically.
Responses and relevant information may be sent to an email address you provide.
Telephone
Nkete Life Solutions may contact you on the telephone number supplied with your enquiry.
Online submissions
Information submitted through website forms is treated as an electronic communication from the person making the submission.
Websites occasionally need downtime.
Nkete Life Solutions does not guarantee that the website or every feature will always be available without interruption. Maintenance, technical issues, connectivity problems or circumstances outside our control may affect availability.
Do not attempt to defeat security measures.
Users may not attempt to interfere with security measures, exploit vulnerabilities, gain unauthorised access or use the website in a way that creates security risks for Nkete Life Solutions or other users.
12 · Liability
Website use remains subject to applicable law.
Nkete Life Solutions takes reasonable care in operating the website and publishing information, but website information should not be treated as a substitute for the applicable formal financial-services or product documentation.
To the extent permitted by law, Nkete Life Solutions will not be responsible for loss arising solely from reliance on outdated, incomplete or general website information where the relevant current information was available through the applicable advice or documentation process.
IMPORTANT
Nothing in these Terms is intended to exclude or limit any
right or liability that cannot lawfully be excluded.
Your rights under applicable South African law remain unaffected where those rights cannot legally be waived.
13 · Complaints & Concerns
If you have a concern, tell us first.
If your concern relates to a financial service provided by Nkete Life Solutions, contact us so that the matter can be identified and reviewed.
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CHANGES TO THESE TERMS
These Terms may be updated from time to time.
Nkete Life Solutions may update these Terms & Conditions to reflect changes to the website, services, applicable law or business practices. The latest version will be published on this page.
SA
15 · Governing Law
South African law applies.
These website Terms & Conditions are governed by the laws of the Republic of South Africa, subject to any mandatory rights, remedies or dispute-resolution procedures that apply under South African law.
Questions About These Terms?
Get in touch with Nkete Life Solutions.
Contact us if you need help understanding information on this page or another part of the website.