WHY PURCHASE A

CLICK2SURE PROTECTION PLAN?

Click2Sure allows you to insure your individual items as you buy them, removing the need for complicated household insurance policies. If you have purchased an electronic Device from one of our participating partners, you’re eligible to purchase a Click2Sure Protection Plan. Devices include mobile devices; wearable tech devices; fitness devices; GPS/ navigation devices; laptops; notebooks; tablets; kindles; cameras; video recording devices; portable speakers; portable audio devices; headphones; gaming devices; TVs; DVD players; home media devices; home audio devices; sound equipments; PCs or computers. A Click2Sure Protection Plan protects your Device from accidental damage, which you are not ordinarily covered for under your manufacturer's warranty. You can also add cover for theft / loss.

HOW MUCH WILL YOU

PAY? Your premium depends on the kind of Device you have purchased, the Plan option which you select and whether you want to pay annually or monthly. Follow the activation / upgrade link provided to you and capture the relevant information to see your quote. You do not need to proceed with the signup process if you are not satisfied with the premium.

WHAT ARE YOU PROTECTED FOR?

If you choose the Electronic Basic option for your Device, your Device is covered for:

● Accidental damage ● Water damage ● Out of warranty component

malfunctions If you choose the Electronic Platinum option, your Device is covered for:

● Theft / loss (subject to only one claim being allowed for this theft / loss)

● Accidental damage ● Water damage ● Out of warranty component

malfunctions Please read the accompanying Terms and Conditions for a full explanation of what you are covered for, what is excluded and how the Benefit works.

WHO SHOULD YOU

CONTACT WITH QUESTIONS ABOUT YOUR

PROTECTION PLAN? If you have any questions about Click2Sure, please contact us at hello@click2sure.co.za and we’ll get back to you asap. If you prefer, give us a call at 021 202 9590. Click2Sure is a registered Financial Service Provider.

HOW LONG DO YOU HAVE

TO ACTIVATE THE PROTECTION PLAN?

If you’ve been purchased an eligible Device from one of our participating partners, you may purchase a Click2Sure Protection plan by following the instructions provided to you. You must purchase the Protection Plan within 7 days of purchasing (or receiving, if you have ordered the Device online) the Device. If 7 days have passed but you would still like to purchase a Click2Sure Protection Plan, please email us at hello@click2sure.co.za. We will require you to verify that your Device is still in good condition and has not already been damaged.

HOW DO YOU CLAIM?

If something happens to your Device, log into your Click2Sure Account and lodge a claim by following the easy steps. Any claim must be lodged within 48 hours of the incident occurring. Please read the accompanying Terms and Conditions for a further explanation of the claims process.

TERMS AND CONDITIONS ELECTRONIC PROTECTION

ONCE OFF PAYMENT 1) What are you covered for?

By purchasing this Policy, the Insurer will cover your Device in accordance with the Cover you have selected. This Policy does not cover repair or replacement of your Device for any of the causes specifically excluded in Section 6.

2) How long are you covered for? You are covered from the date you pay the Premium for the Period of Insurance which is specified in the Policy Schedule. If you still want Cover at the end of your Period of Insurance, you will need to take out a new policy.

3) Limit on claims and limit of liability There is no limit on how many times you can claim but the total amount that which the Insurer will pay for any repairs or replacement in connection with all claims which you lodge during your Period of Insurance is limited to Coverage Amount. The Coverage Amount is calculated as follows: Age of Device when claiming Coverage Amount Device 1 - 6 months old 100% of purchase price / original value Device 7 - 12 months old 80 % of purchase price / original value Device 13 - 24 months 60 % of purchase price /original value Device 25 months and older 50% of the purchase price / original value

4) Payment

You have elected to pay the annual Premium set out in your Policy Schedule to obtain the Cover. The Premium must be paid in South African Rands.

5) Condition of your Device If you have purchased this Cover together with your new Device, you won’t be required to verify the Device’s condition but you may need to provide your invoice / proof of purchase on your Click2Sure Account. If you have purchased this Cover on a Device which you’ve had for a while, the insurability of that Device must have been verified by our authorised repair centre.

6) What is excluded under this Policy? Your Device is not covered for the following: ● consequential loss

● cosmetic damage / wear and tear / scratches / any reduction in value or depreciation in any form

● damage which existed prior to your period of Free Cover or damage caused by a pre-existing fault

● damage which is covered under a guarantee or warranty

● damage caused by scorching, charring, melting, burning or smoke or damage caused by vermin, insects, animals, domestic animals, damp, corrosion, decay, mildew or rust

● damage, loss or theft arising from or contributed to by your negligence, carelessness or willful conduct or where your Device was unattended, unless it was locked in a compartment of sight

● any damage to your Device if it is a prototype

● theft or damage suffered while you lent or hired your Device to another person

● theft or damage occurring outside of South Africa

● theft by false pretenses or scams

● any issues relating to software whatsoever including any computer virus or accidental deletion

● any mechanical or electrical or electronic breakdowns including any failure of electronic circuitry unless we have specifically agreed to cover one of these malfunctions

● the cost of reproducing sound, data and images on tapes, records, film or magnetic media

● car kits and/or accessories including sim cards

● loss or damage occasioned by confiscation, detention, commandeering or requisitioning by any lawful authority

● nuclear events involving nuclear weapons and/or other material and substances, ionization, contamination, radiation or radioactivity , nuclear waste, fission and similar processes

● theft or damage resulting from political or non-political riot, strike or civil commotion, public disorder, war, invasion, terrorism or public violence or which is insurable by SASRIA SOC Limited

● any attempt to perform any of the above acts or events

7) How do you make a valid claim? Provided you have maintained your Device and taken all reasonable steps to prevent theft or damage to it, you may lodge a claim as follows:

Damage Claim:

● Lodge a claim from your Click2Sure Account within 48 hours. You may need to provide your original invoice for your Device (if you have not uploaded this to your Click2Sure Account already)

● Your claim will be assessed against your Policy, based on the information you provide us with. Should the claim be authorised, your insurer may opt to repair the device via a supplier or settle you cash-in-lieu. If the settlement is a cash-in-lieu, you’ll be provided with a list of authorized repair centres. You must thereafter make arrangements for the repair of your Device directly with a repair centre as provided within 7 days

● After your Device has been repaired, upload your repair invoice to your Click2Sure Account within 7 days. You will be reimbursed for the repair (subject to the Coverage Amount) less the Excess payable by you

Theft/ Loss Claim, if covered:

● Log into your Click2Sure Account and lodge a claim within 48 hours. You may need to provide your original invoice for your Device (if you have not uploaded this to your Click2Sure Account already)

● You must provide your case number and a copy of your affidavit evidencing that you have reported the theft or loss to the South African Police Services within 48 hours of the incident

● If the Device is a phone or tablet, you are also required to report the theft or loss to your service provider, de-activate the sim card and blacklist the device within 48 hours of the incident

● Give the Insurer all reasonable assistance in any attempt to recover the Device

You must always provide the Insurer with detailed and truthful information. If you or anyone acting for you makes any false or exaggerated statements or provides false documents, your claim will not be paid. If any amount has been paid, the Insurer will be able to claim back such amounts and the matter will be reported to the South African Police Services.

8) What Excess will you need to pay when making a claim?

On claiming, you will be directed to pay the Excess calculated in terms of your Policy Schedule to the Insurer or to an authorised repair centre or supplier, if applicable.

9) Basis of Settlement Claims will be settled by making payment to you, or, in some cases, directly to the authorised repair centre or supplier, in our discretion. If the Cover you selected as set out in your Policy Schedule provides Cover for only one event of Damage, and your Device has suffered more than one event, the Insurer shall elect which event of Damage will be covered by this Policy in its sole discretion.

If the Insurer replaces the Device, it will be replaced with a new or refurbished Device with the same or similar specifications and with the same or similar market value to your Device but not superior to, or more expensive than your Device, in the Insurer’s discretion. The damaged Device automatically becomes the property of your Insurer, which may dispose of the Device in any manner it sees fit. If you do not collect your Device after it has been repaired or you do not collect a replacement device within 90 days, you will forfeit the claim and the Device or replacement device will be sold by the Insurer to minimize its expenses. The Insurer may take over the handling of any claim in your name and the prosecution of any criminal action in connection with your Device. You will be required to give the Insurer any required information and co-operate with the Insurer if it wants to make such a claim. The Insurer’s settlement of an accepted claim is a full and final discharge of its obligations under that claim.

10) Sharing of personal information You agree that the Insurer and the Broker or entities within their groups of companies may share information relating to you, your Policy and your Device to confirm and/or verify any underwriting information and/or claims information and relating to any policies you may have from time to time and to develop future or alternative products. Given the nature of the internet, it is possible that your personal information may be stored overseas in order to access best practice storage facilities efficiently. You expressly agree to your information being transmitted across international borders.

11) What happens if the Policy needs to be changed? If you would like to make changes to your Policy, the change will be effective from the date that the Insurer agrees in writing.

12) How is the Policy terminated or cancelled?

Your Policy will be forfeited and you will not be entitled to a refund if: ● you have broken or forfeited your Device on purpose ● you have acted fraudulently in any way in relation to this

Policy

The Insurer has the right to cancel this Policy for any reason by giving you 30 days’ notice in writing. You may cancel this Policy from your Click2Sure Account within 30 days of registering your Policy. Provided you have had no claims. You will be entitled to a full refund of the Premium which you have paid If you wish to cancel this Policy any time after the 30 days, you will need to give the Insurer 30 days notice by lodging a request to cancel this Policy from your Click2Sure Account. The Insurer will evaluate your request and approve a refund in accordance with the following cancellation policy: ● if you have not lodged any claims, you will receive a pro rata

refund for the remaining months of your Period of Insurance. ● if you have lodged any claims which have been settled, you

will receive a reasonable refund, calculated as follows: if claims in excess of 50% of the Coverage Amount have been paid out, you will not be entitled to a refund of the Premium. If claims amounting to less than 50% of the Coverage Amount have been paid out, you will receive a refund equal to 50% of the pro rata Premium allocated to the remaining months on your Period of Insurance.

13) No waiver

If the Insurer agrees to change any deadlines or requirements on an ad hoc basis, it does not mean that the Insurer has agreed generally or in all cases to change the deadlines or requirements.

14) Correspondence with the Insurer You may correspond via your Click2Sure Account or the contact details set out in your Policy. The Insurer will send all correspondence to you at the email address

you provided or via your Click2Sure Account. You agree that the Insurer can assume that you received and read the correspondence if addressed to you.

15) What happens if the Device is insured by more than one Policy?

If any loss or damage under this Policy is covered by any other insurance policy, the Insurer is entitled to pay its proportionate share of the claim.

17) Complaints about the administration of your Policy

If you have any complaint relating to this Policy, please lodge your complaint in writing at complaints@click2sure.co.za. We’ll do everything we can to resolve the complaint.

18) Complaints about the Insurer’s decision or the product under this

Protection Plan

In the event that the Insurer rejects or repudiates your claim and you don’t agree with this or if you have a complaint which relates to the product itself, you may send a written notice directly to the Insurer at complaints@guardrisk.co.za. You may request that the Insurer review a decision within 90 days of the date that you receive the decision. If you are not satisfied with the final outcome of the review, you may then contact the Ombudsman for Short-term Insurance or take legal action. To take legal action, a summons must be served on the Insurer within 180 days after the review is finalised.

16) Definitions

“Broker / “the Broker”” means Click2Sure Intermediaries Proprietary Limited (Registration Number 2015/130344/07), an authorised financial services provider (FSP 46838)

“Click2Sure Account” means the online account available on www.click2sure.co.za which you may create in order manage your policies and claims

“Cover” means the Damage and/or theft protection which you have chosen, as listed in your Policy Schedule

“Coverage Amount” means the amount which the Insurer will cover you for which takes into account the depreciation of your Device and is calculated according to Section 2

“Damage” means any accidental physical impairment of the Device resulting from an unintended and unforeseen event which materially affects the usability of the Device arising from an accidental drop; water damage; and/or from out of warranty hardware malfunctions (being breakdowns of the device’s camera,

buttons, battery, charging port or headphone jack) but excluding any damage specifically excluded under this Policy

“Device” means your cellular device, wearable technology device, fitness device, GPS device, laptop, tablet, camera, game console, TV, Hifi or other insurable electronic device which you have chosen to insure under this Policy, as described on your proof of purchase (invoice) or, if you’re not insuring a new Device, as described by the authorised repair centre which verified your Device, and set out in your Policy Schedule

“Excess” means the first amount that you pay if you have a valid claim against this Policy

“Insurer” means Guardrisk Insurance Company Limited (Registration Number 1992/001639/06), an authorised short-term insurer and financial services provider (FSP75) with VAT Number 425 013 8072

“Period of Insurance” means the duration of your Cover as set out in your Policy Schedule

“Policy” includes your Policy Schedule and these General Terms and Conditions

“Policy Schedule” means the separate document unique to you which shows the insurance details relevant to you and issued by the Insurer from time to time

“Premium” means the amount payable for this Cover, set out in your Policy Schedule.

STATUTORY DISCLOSURES REQUIRED IN TERMS OF THE FINANCIAL ADVISORY AND INTERMEDIARY SERVICES ACT 37 OF 2002 (“FAIS”)

As a short-term insurance policyholder, or prospective policyholder, you have the right to the following information:

Details about Click2Sure Details about the Insurer

Company Name Click2Sure Intermediaries (Pty) Limited

Guardrisk Insurance Company Limited

Company Registration 2015/130344/07 1992/001639/06 FSP Number 46838 75 Full Physical & Registered Address:

38 Hout Street, Cape Town

102 Rivonia Road Sandown

Telephone Number: 021 0125095 +27 (11) 669 1000 E-mail: hello@click2sure.co.za info@guardrisk.co.za Web-site: www.click2sure.co.za www.guardrisk.co.za Do we own more than 10% of this Insurer?

NO N/A

Do we receive more than 30% of our income from this Insurer?

YES N/A

Categories of Licence Advice and Intermediary Services for Short Term Insurance (Commercial and Personal Lines) and Long Term Insurance: (Category A, B1, C and B2)

Short-Term Insurance: (Personal Lines and Commercial Lines, including corporate business)

Compliance Officer Hanse Augustin from Moonstone Compliance (Pty) Ltd

The Compliance Officer

Contact Telephone Number / Email address:

+27 21 883 8000 hansie@moonstonecompliance.co.za

+27 11 669 1039 compliance@guardrisk.co.za

Legal status of Click2Sure Broker and any interest in the Insurer:

Click2Sure is an authorised Financial Service Provider (“FSP”), FSP licence number: 46838, whose core business is the distribution of niche insurance products. Click2Sure is a private company with limited liability and with no direct financial interest in the Insurer. Click2Sure does not hold any interest (whether directly or indirectly) in the Insurer. Extent of Policy Fee obligations of the Broker

From the total Plan Fee paid by you, the Insurer pays Click2Sure a broker commission and a binder fee, disclosed in your Policy Schedule. Professional Indemnity insurance in force:

Click2Sure carries professional indemnity insurance through Camargue Underwriting Managers Proprietary Limited (through Compass Insurance Company Limited and with certain underwriters at Lloyds). Complaints Policy and Conflict of Interest policy:

Click2Sure’s policies are available to view on www.click2sure.co.za

PARTICULARS FOR THE OMBUD FOR SHORT TERM INSURANCE Telephone: 011 726-8900 Facsimile: 011 726-5501 Sharecall: 0860 726 890 E-mail: info@osti.co.za Physical address: Sunnyside Office Park, 5th Floor, Blok D, 32 Princess of Wales

Terrace, Parktown Postal address: PO Box 32334 Braamfontein, 2017 Website: www.osti.co.za

PARTICULARS FOR THE FAIS OMBUD Telephone: 0860 FAISOM (0860 324 766) Facsimile: 012 348 3447 E-mail: info@faisombud.co.za Physical address: The Customer Contact Division, The FAIS Ombud, Celtis House

Eastwood Office Park Lynnwood, Pretoria Postal address: PO Box 74571, Lynnwood Ridge 0040 Website: www.faisombud.co.za

TERMS AND CONDITIONS ELECTRONIC PROTECTION

MONTHLY PAYMENT

1) What are you covered for? By purchasing this Policy, the Insurer will cover your Device in accordance with the Cover you have selected. This Policy does not cover repair or replacement of your Device for any of the causes specifically excluded in Section 6.

2) How long are you covered for? You are covered from the date you pay the Premium. If you miss a monthly payment, you will not be covered until you pay. If, after 30 days, we have still not received payment, your Policy will lapse.

3) Limit on claims and limit of liability The Insurer’s liability for any repairs or replacement in connection with any claim which you lodge is limited to Coverage Amount. The Coverage Amount is calculated as follows: Age of Device when claiming Coverage Amount Device 1 - 6 months old 100% of purchase price / original value Device 7 - 12 months old 80 % of purchase price / original value Device 13 - 24 months 60 % of purchase price /original value Device 25 months and older 50% of the purchase price / original value

4) Payment

You have elected to pay your Premium monthly by issuing a debit order via your bank account to obtain the Cover.. The Premium must be paid in South African Rands.

5) Condition of your Device If you have purchased this Cover together with your new Device, you won’t be required to verify the Device’s condition but you may need to provide your invoice / proof of purchase on your Click2Sure Account. If you have purchased this Cover on a Device which you’ve had for a while, the insurability of that Device must have been verified by our authorised repair centre.

6) What is excluded under this Policy? Your Device is not covered for the following:

● consequential loss

● cosmetic damage / wear and tear / scratches / any reduction in value or depreciation in any form

● damage which existed prior to your period of Free Cover or damage caused by a pre-existing fault

● damage which is covered under a guarantee or warranty

● damage caused by scorching, charring, melting, burning or smoke or damage caused by vermin, insects, animals, domestic animals, damp, corrosion, decay, mildew or rust

● damage, loss or theft arising from or contributed to by your negligence, carelessness or willful conduct or where your Device was unattended, unless it was locked in a compartment of sight

● any damage to your Device if it is a prototype

● theft or damage suffered while you lent or hired your Device to another person

● theft or damage occurring outside of South Africa

● theft by false pretenses or scams

● any issues relating to software whatsoever including any computer virus or accidental deletion

● any mechanical or electrical or electronic breakdowns including any failure of electronic circuitry unless we have specifically agreed to cover one of these malfunctions

● the cost of reproducing sound, data and images on tapes, records, film or magnetic media

● car kits and/or accessories including sim cards

● loss or damage occasioned by confiscation, detention, commandeering or requisitioning by any lawful authority

● nuclear events involving nuclear weapons and/or other material and substances, ionization, contamination, radiation or radioactivity , nuclear waste, fission and similar processes

● theft or damage resulting from political or non-political riot, strike or civil commotion, public disorder, war, invasion, terrorism or public violence or which is insurable by SASRIA SOC Limited

● any attempt to perform any of the above acts or events

7) How do you make a valid claim? Provided you have maintained your Device and taken all reasonable steps to prevent theft or damage to it, you may lodge a claim as follows:

Damage Claim:

● Lodge a claim from your Click2Sure Account within 48 hours. You may need to provide your original invoice for your Device (if you have not uploaded this to your Click2Sure Account already)

● Your claim will be assessed against your Policy, based on the information you provide us with. Should the claim be authorised, your insurer may opt to repair the device via a supplier or settle you cash-in-lieu. If the settlement is a cash-in-lieu, you’ll be provided with a list of authorized repair centres. You must thereafter make arrangements for the repair of your Device directly with a repair centre as provided within 7 days

● After your Device has been repaired, upload your repair invoice to your Click2Sure Account within 7 days. You will be reimbursed for the repair (subject to the Coverage Amount) less the Excess payable by you

Theft/ Loss Claim, if covered:

● Log into your Click2Sure Account and lodge a claim within 48 hours. You may need to provide your original invoice for your Device (if you have not uploaded this to your Click2Sure Account already)

● You must provide your case number and a copy of your affidavit evidencing that you have reported the theft or loss to the South African Police Services within 48 hours of the incident

● If the Device is a phone or tablet, you are also required to report the theft or loss to your service provider, de-activate the sim card and blacklist the device within 48 hours of the incident

● Give the Insurer all reasonable assistance in any attempt to recover the Device

You must always provide the Insurer with detailed and truthful information. If you or anyone acting for you makes any false or exaggerated statements or provides false documents, your claim will not be paid. If any amount has been paid, the Insurer will be able to claim back such amounts and the matter will be reported to the South African Police Services.

8) What Excess will you need to pay when making a claim?

On claiming, you will be directed to pay the Excess calculated in terms of your Policy Schedule to the Insurer or to an authorised repair centre or supplier, if applicable.

9) Basis of Settlement Claims will be settled by making payment to you, or, in some cases,

directly to the authorised repair centre or supplier, in our discretion. If the Cover you selected as set out in your Policy Schedule provides Cover for only one event of Damage, and your Device has suffered more than one event, the Insurer shall elect which event of Damage will be covered by this Policy in its sole discretion. If the Insurer replaces the Device, it will be replaced with a new or refurbished Device with the same or similar specifications and with the same or similar market value to your Device but not superior to, or more expensive than your Device, in the Insurer’s discretion. The damaged Device automatically becomes the property of your Insurer, which may dispose of the Device in any manner it sees fit. If you do not collect your Device after it has been repaired or you do not collect a replacement device within 90 days, you will forfeit the claim and the Device or replacement device will be sold by the Insurer to minimize its expenses. The Insurer may take over the handling of any claim in your name and the prosecution of any criminal action in connection with your Device. You will be required to give the Insurer any required information and co-operate with the Insurer if it wants to make such a claim. The Insurer’s settlement of an accepted claim is a full and final discharge of its obligations under that claim.

10) Sharing of personal information You agree that the Insurer and the Broker or entities within their groups of companies may share information relating to you, your Policy and your Device to confirm and/or verify any underwriting information and/or claims information and relating to any policies you may have from time to time and to develop future or alternative products. Given the nature of the internet, it is possible that your personal information may be stored overseas in order to access best practice storage facilities efficiently. You expressly agree to your information being transmitted across international borders.

11) What happens if the Policy needs to be changed? If you would like to make changes to your Policy, the change will be effective from the date that the Insurer agrees in writing.

12) How is the Policy terminated or cancelled?

Your Policy will be forfeited and you will not be entitled to a refund if: ● you have broken or forfeited your Device on purpose ● you have acted fraudulently in any way in relation to this

Policy ● you have submitted excessive claims within any period under

your Period of Insurance.

The Insurer has the right to cancel this Policy for any reason by giving you 30 days’ notice in writing. You may cancel this Policy from your Click2Sure Account within 30 days of registering your Policy. Provided you have had no claims. You will be entitled to a full refund of the Premium which you have paid. If you wish to cancel this Policy any time after the 30 days, you will need to give the Insurer 30 days notice by lodging a request to cancel this Policy from your Click2Sure Account and the Insurer will evaluate your request. You will still be responsible for the full amount of Premiums falling due during the 30 day notice period.

13) No waiver

If the Insurer agrees to change any deadlines or requirements on an ad hoc basis, it does not mean that the Insurer has agreed generally or in all cases to change the deadlines or requirements.

14) Correspond with the Insurer You may correspond via your Click2Sure Account or the contact details set out in your Policy. The Insurer will send all correspondence to you at the email address you provided or via your Click2Sure Account. You agree that the Insurer can assume that you received and read the correspondence if addressed to you.

15) What happens if the Device is insured by more than one Policy?

If any loss or damage under this Policy is covered by any other insurance policy, the Insurer is entitled to pay its proportionate share of the claim.

16) Complaints about the administration of your Policy If you have any complaint relating to this Policy, please lodge your complaint in writing at complaints@click2sure.co.za. We’ll do everything we can to resolve the complaint.

17) Complaints about the Insurer’s decision or the product under this Protection Plan In the event that the Insurer rejects or repudiates your claim and you don’t agree with this or if you have a complaint which relates to the product itself, you may send a written notice directly to the Insurer at complaints@guardrisk.co.za. You may request that the Insurer review a decision within 90 days of the date that you receive the decision. If you are not satisfied with the final outcome of the review, you may then contact the Ombudsman for Short-term Insurance or take legal action. To take legal action, a summons must be served on the Insurer within 180 days after the review is finalised.

18) Definitions

“Broker / “the Broker”” means Click2Sure Intermediaries Proprietary Limited (Registration Number 2015/130344/07), an authorised financial services provider (FSP 46838)

“Click2Sure Account” means the online account available on www.click2sure.co.za which you may create in order manage your policies and claims

“Cover” means the Damage and/or theft protection which you have chosen, as listed in your Policy Schedule “Coverage Amount” means the amount which the Insurer will cover you for which takes into account the depreciation of your Device and is calculated according to Section 2

“Damage” means any accidental physical impairment of the Device resulting from an unintended and unforeseen event which materially affects the usability of the Device arising from an accidental drop; water damage; and/or from out of warranty hardware malfunctions (being breakdowns of the device’s camera,

buttons, battery, charging port or headphone jack) but excluding any damage specifically excluded under this Policy

“Device” means your cellular device, wearable technology device, fitness device, GPS device, laptop, tablet, camera, game console, TV, Hifi or other insurable electronic device which you have chosen to insure under this Policy, as described on your proof of purchase (invoice) or, if you’re not insuring a new Device, as described by the authorised repair centre which verified your Device, and set out in your Policy Schedule “Excess” means the first amount that you pay if you have a valid claim against this Policy

“Insurer” means Guardrisk Insurance Company Limited (Registration Number 1992/001639/06), an authorised short-term insurer and financial services provider (FSP75) with VAT Number 425 013 8072

“Period of Insurance” means the duration of your Cover as set out in your Policy Schedule

“Policy” includes your Policy Schedule and these General Terms and Conditions

“Policy Schedule” means the separate document unique to you which shows the insurance details relevant to you and issued by the Insurer from time to time

“Premium” means the amount payable for this Cover, set out in your Policy Schedule.

STATUTORY DISCLOSURES REQUIRED IN TERMS OF THE FINANCIAL ADVISORY AND INTERMEDIARY SERVICES ACT 37 OF 2002 (“FAIS”)

As a short-term insurance policyholder, or prospective policyholder, you have the right to the following information:

Details about Click2Sure Details about the Insurer

Company Name Click2Sure Intermediaries (Pty) Limited

Guardrisk Insurance Company Limited

Company Registration 2015/130344/07 1992/001639/06 FSP Number 46838 75 Full Physical & Registered Address:

38 Hout Street, Cape Town

102 Rivonia Road Sandown

Telephone Number: 021 0125095 +27 (11) 669 1000 E-mail: hello@click2sure.co.za info@guardrisk.co.za Web-site: www.click2sure.co.za www.guardrisk.co.za Do we own more than 10% of this Insurer?

NO N/A

Do we receive more than 30% of our income from this Insurer?

YES N/A

Categories of Licence Advice and Intermediary Services for Short Term Insurance (Commercial and Personal Lines) and Long Term Insurance: (Category A, B1, C and B2)

Short-Term Insurance: (Personal Lines and Commercial Lines, including corporate business)

Compliance Officer Hanse Augustin from Moonstone Compliance (Pty) Ltd

The Compliance Officer

Contact Telephone Number / Email address:

+27 21 883 8000 hansie@moonstonecompliance.co.za

+27 11 669 1039 compliance@guardrisk.co.za

Legal status of Click2Sure Broker and any interest in the Insurer:

Click2Sure is an authorised Financial Service Provider (“FSP”), FSP licence number: 46838, whose core business is the distribution of niche insurance products. Click2Sure is a private company with limited liability and with no direct financial interest in the Insurer. Click2Sure does not hold any interest (whether directly or indirectly) in the Insurer. Extent of Policy Fee obligations of the Broker

From the total Plan Fee paid by you, the Insurer pays Click2Sure a broker commission and a binder fee, disclosed in your Policy Schedule. Professional Indemnity insurance in force:

Click2Sure carries professional indemnity insurance through Camargue Underwriting Managers Proprietary Limited (through Compass Insurance Company Limited and with certain underwriters at Lloyds). Complaints Policy and Conflict of Interest policy:

Click2Sure’s policies are available to view on www.click2sure.co.za

PARTICULARS FOR THE OMBUD FOR SHORT TERM INSURANCE Telephone: 011 726-8900 Facsimile: 011 726-5501 Sharecall: 0860 726 890 E-mail: info@osti.co.za Physical address: Sunnyside Office Park, 5th Floor, Blok D, 32 Princess of Wales

Terrace, Parktown Postal address: PO Box 32334 Braamfontein, 2017 Website: www.osti.co.za

PARTICULARS FOR THE FAIS OMBUD Telephone: 0860 FAISOM (0860 324 766) Facsimile: 012 348 3447 E-mail: info@faisombud.co.za Physical address: The Customer Contact Division, The FAIS Ombud, Celtis House

Eastwood Office Park Lynnwood, Pretoria Postal address: PO Box 74571, Lynnwood Ridge 0040 Website: www.faisombud.co.za