Compliance

Compliance Officer: Providus Compliance FSCA Reg no: CO 6385 (Tel nr: 021 592 4488)
We provide financial advice on Non-Life insurance, which includes: personal lines insurance, commercial insurance and medical aid products as determined by the relevant legislation for categories 1.1, 1.2, 1.3, 1.4, 1.5, 1.6, 1.7 and 1.16 under FSP5116

Terms & Conditions of Use

1. Who are we

F&C Brokers (Pty) Ltd (“F&C”, “we”, “our”, “us”) is an authorised Financial Services Provider under the Financial Advisory and Intermediary Services Act (FAIS), FSP 5116. Our registered office is at 2 Kanonkop Road, Bloemhof, Bellville, 7530, South Africa. Telephone: +27 21 910 5500. E-mail: info@fcbrokers.co.za.

2. Application of these Terms

By accessing or using www.fcbrokers.co.za (“the Site”), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions (“Terms”). If you do not agree, please exit the Site.

3. Financial Services Disclaimer

• The content on this Site is general information only and must not be taken as personal financial advice.
• Quotes and policy summaries are indicative; final terms depend on underwriting and the insurer’s policy wording.
• Before acting on any information, obtain professional advice tailored to your needs.

4. Permitted use

You may view, download, and print content for personal, non-commercial use only. You may not:

• Modify or recreate the Site’s content;
• Use any robot, spider, or other automatic device to extract data;
• Interfere with security features or attempt unauthorised access.

5. Intellectual property

All text, graphics, trademarks, logos, and software on the Site are owned by F&C or our licensors and are protected by South African and international intellectual property laws. Unauthorised use is prohibited.

6. Privacy & POPIA compliance

• Personal information we collect

We collect information you voluntarily supply in web forms (e.g., name, ID, contact details, risk information) and technical data such as IP address and cookies.

• Why do we process it

We process personal information to:

• source quotations, place, and service insurance policies;
• comply with legal, regulatory, and audit duties;
• send you policy or marketing updates (you can opt out at any time).

• Sharing

Data is shared only with insurers, underwriting managers, premium-finance partners, and vetted IT vendors who help us deliver the above services. We never sell your data.

• Security & retention

We apply reasonable technical and organisational measures (encryption, role-based access) to secure your data and keep records for as long as the law or legitimate business needs require.

• Your rights

You may request access, correction, or deletion of your personal information, or lodge a complaint with the Information Regulator (South Africa). Contact info@fcbrokers.co.za.

• Cookies

The Site uses first-party and third-party cookies for session management, analytics, and remarketing. By using the Site, you consent to the placement of cookies. You can disable cookies in your browser, but parts of the Site may not function.

7. Electronic communications

By emailing us or submitting a form, you consent to receive communications from us electronically. Records stored electronically are deemed to satisfy any legal requirement for writing.

8. Third-party links

The Site may contain links to external websites. We have no control over and assume no responsibility for the content or practices of such sites.

9. Limitation of liability

To the maximum extent permitted by law, F&C will not be liable for any direct, indirect, incidental, or consequential loss arising from your use of, or inability to use, the Site or its content.

10. Indemnity

You agree to indemnify and hold F&C, its directors, employees, and agents harmless from any claim, loss, or liability arising out of your breach of these Terms or misuse of the Site.

11. Complaints & dispute resolution

If you have a complaint, first contact us at info@fcbrokers.co.za. We follow the FAIS complaints-management framework. Unresolved disputes may be referred to the FAIS Ombud or adjudicated in the courts of South Africa.

12. Changes to the Site or Terms

We may modify the Site or these Terms at any time. Continued use after changes are posted constitutes acceptance of the revised Terms. The revision date at the top will be updated.

13. Governing law

These Terms are governed by the laws of the Republic of South Africa. You agree to the exclusive jurisdiction of the courts of South Africa.

14. Contact

For questions about these Terms, privacy, or your personal information, email info@fcbrokers.co.za or write to F&C Brokers, 2 Kanonkop Road, Bloemhof, Bellville, 7530, South Africa.