Terms of Service

Welcome to Nelha Makelaars! These Terms of Service explain the rules for using our website and services. We’re a registered Financial Services Provider (FSP 27132) based in Sasolburg, South Africa, here to help with your insurance, investments, and financial planning needs. By visiting our site or working with us, you agree to these terms. We’ve kept them simple so you know what to expect from us—and what we expect from you.

1. Who We Are

Nelha Makelaars is a financial services company located at 8 Collins Str, Sasolburg, 1947. We’ve been around for nearly 20 years, offering tailored solutions like car insurance, life cover, wills, and private equity investments. You can reach us at 016 973 3736, 065 681 5404, or info@nelha.co.za. These terms apply to our website and any services you get from us.

2. Using Our Website

Our website is your gateway to learning about what we do and getting in touch. Here’s how it works:

Access: You can browse our site for free, but you’ll need an internet connection—we don’t cover that cost.
Purpose: It’s there to share info about our services and let you contact us (e.g., via the “Request a Call Back” form).
Rules: Don’t misuse it—no hacking, copying our content without permission, or using it for anything illegal.
Availability: We try to keep it up 24/7, but we might need to tweak it or fix it sometimes. We’re not responsible if it’s down briefly.
3. Our Services

We provide:

Short-term insurance (e.g., car, home, business).
Long-term insurance (e.g., life cover, pensions, investments).
Fiduciary services (e.g., wills, trusts, estate planning).
Alternative investments (e.g., private equity).
When you use our services:

We act as brokers, connecting you with providers like Santam, Momentum, or Old Mutual.
We’ll give you advice and options based on what you tell us—be honest so we can help you right.
Services start once we agree on terms (like a quote or contract) and might involve fees, which we’ll explain upfront.
4. Your Responsibilities

To make this work smoothly:

Accurate Info: Give us true details (e.g., your name, needs, financial situation) so we can serve you properly.
Payment: If there’s a fee or premium, pay it on time—late payments might delay your coverage.
Use: Don’t misuse our advice or services for anything shady or against the law.
5. Our Responsibilities

We promise to:

Act in your best interest as a registered FSP under the Financial Sector Conduct Authority (FSCA).
Provide clear, professional advice based on nearly 20 years of experience.
Keep you informed about your options and any costs involved.
But heads up:

We’re not liable for things outside our control (e.g., if an insurer denies a claim due to their rules).
Outcomes (like investment returns) aren’t guaranteed—markets can shift, and we’ll explain the risks.
6. Intellectual Property

Our website, logo, and content are ours (or licensed to us). You can’t copy, sell, or reuse them without asking us first. Feel free to share our site link, though—that’s fine!

7. Limitation of Liability

We’ll do our best, but:

We’re not responsible for losses from things we can’t control (e.g., power cuts, internet issues).
If something goes wrong with the site or a service, our liability is limited to what you paid us (if anything).
Use our advice at your own risk—we’re guides, not fortune-tellers.
8. Termination

You can stop using our site or services anytime—just let us know.
We can stop working with you if you break these terms or if we legally have to (e.g., compliance issues).
If we part ways, any active policies or agreements with insurers stay in place—you’d deal with them directly.
9. Changes to These Terms

We might update this page as our business grows or laws change. Check back here for the latest version (effective date at the top). If it’s a big change, we’ll try to let you know via email or a site notice.

10. Governing Law

These terms follow South African law. If there’s a dispute, we’ll try to sort it out with you first. If that doesn’t work, it’ll be handled in a South African court—ideally near Sasolburg, where we’re based.

11. Contact Us

Got questions about these terms? Reach out:

Phone: 016 973 3736 or 065 681 5404
Email: info@nelha.co.za
Address: 8 Collins Str, Sasolburg, 1947
Thanks for choosing Nelha Makelaars—we’re here to make your financial journey easier!