The terms that govern this website.

Website terms

This website provides general information about complex insurance risk management. It is not an offer, quotation, recommendation, insurance policy or invitation to enter into a contract. Insurance decisions should be made only after appropriate information has been obtained and the relevant terms, limits and exclusions have been considered.

Website content and updates

Mosaic Financial Solutions Pty Ltd may update this website, including these terms, without notice. Content is provided in good faith but without warranty, express or implied, as to its accuracy, completeness or suitability for a particular purpose.

Third-party links and content

This website may link to, or summarise, information published by third parties, including insurance ombudsman determinations, case law and industry news covered in our Insights section. Such content is provided for general information only, is not verified or endorsed by us beyond the summary given, and should not be relied on as a substitute for the original source or for professional advice. Links to third-party websites, including mosaic.co.za, are provided for convenience; we do not control and are not responsible for the content or practices of external sites.

Intellectual property

The text, graphics, logos and other content on this website belong to Mosaic Financial Solutions Pty Ltd or its licensors and are protected by South African and applicable international intellectual property law. You may view and print pages for your own personal, non-commercial use; no other use, including reproduction, republication or redistribution, is permitted without our prior written consent.

Acceptable use

You may not use this website in any way that is unlawful, that could damage, disable or impair it, or that involves unauthorised scraping, data mining or automated access. We may restrict or terminate access to this website, without notice, for any use that breaches these terms.

Limitation of liability

To the fullest extent permitted by South African law, Mosaic Financial Solutions Pty Ltd will not be liable for any direct, indirect or consequential loss arising from access to, use of, or reliance on this website or its content. Nothing in these terms limits any liability that cannot lawfully be excluded, including liability arising from our obligations as an authorised financial services provider.

Governing law and jurisdiction

These terms, and any dispute relating to this website, are governed by the laws of the Republic of South Africa and subject to the non-exclusive jurisdiction of the South African courts.

Mosaic Financial Solutions

insurance.net.za is a division of Mosaic Financial Solutions Pty Ltd (registration number 2015/288102/07), an authorised financial services provider #46319. Mosaic Financial Solutions Pty Ltd is a South African financial-solutions group providing innovative answers to complex financial problems. Our registered office is Gateview House, Constantia Park, 1 Vlakhaas Avenue, Weltevredenpark, Gauteng, South Africa.

For compliance enquiries, use our complaints form.