Terms and Conditions
Dear Champion,
Welcome to Ubuntu Botho Life, where as a community of Champions, we strive to create a market place that benefits and protects. As a benefitting champion, the following Terms and conditions are applicable to you, and must please be read carefully. These terms and conditions are applicable to the general membership, and to any services offered by participating service providers, vendors, competitions, incentives and any general terms introduced from time to time.
Please note these terms are so important, that should you not comply with them, certain membership benefits could be denied at the point of needing them most. Please contact our office, or your sponsoring champion if you have any queries or to obtain clarity on any aspect of these terms and conditions.
The important documents are listed below as follows:
Annexe A: Ubuntu Botho Life Pty Ltd Membership agreement
Annexe B: Privacy Policy for Ubuntu Botho Life Pty Ltd
Annexe C: Funeral: Certificate of Insurance
Annexe D: Tombstone and Repatriation services
Annexe E: Dwelling Fire snd recovery services
Annexe F: Personal Identity, data and financial fraud services
Annexe G: Compensation Plan
Annexe H: Champions 'swipe & rewards' programme
Annexe I: Founders Pool Bonus
Thank you for the support.
UBL
Jappie Pitso Mahlaba
CEO: Ubuntu Botho Life Pty
Email: pitso@ubuntubotholife.co.za
Annexe A: UBUNTU BOTHO LIFE PTY LTD MEMBERSHIP AGREEMENT
This Membership Agreement (the "Agreement") is accepted by Champions upon registration with Ubuntu Botho Life Pty Ltd, a multi-level marketing (MLM) company registered in South Africa under the registration number 2019/144411/07, with its address at Ubuntu Botho Life, Buchanan House, Woodstock, Cape Town. By accessing and using the Ubuntu Botho Life MLM Platform, Champions acknowledge that they have read, understood, and agreed to be bound by these Terms and Conditions.
1. General Terms
1.1 Ubuntu Botho Life Pty Ltd offers a membership program with embedded insurance and service products under a scheme benefit program.
1.2 All new products and services offered via the Ubuntu Botho Life membership program will be introduced at the sole discretion of the Ubuntu Botho Life Pty Ltd Board of Directors. The Board diligently vets and approves product suppliers to ensure the highest quality and value for Champions. These products will be available to Members via the online Ubuntu Botho Life MLM platform under the 'store' section.
1.3 The objective of the membership program is to create a large group of Champions who, through their access to the Ubuntu Botho Life program and the MLM Platform, benefit from group buying power as the number of Champions increases.
1.4 Champions are individuals or entities who are champions of Ubuntu Botho Life and refer new Champions to Ubuntu Botho Life in return for referral fees distributed to themselves and their network uplines.
1.5 The Ubuntu Botho Life membership programme is not a Ponzi scheme.
2. Membership Fee Payment and Benefits
2.1 To earn the right to refer new Champions, Champions must become and stay active members of the Ubuntu Botho Life program. Membership fees must be paid within fifteen days of the due date. Failure to pay the membership fees within this timeframe will result in the suspension of membership benefits.
2.2 Membership benefits, including access to embedded products and services under the scheme benefit program, are exclusively available to Champions with an active status. Non-payment of membership fees will result in the temporary suspension of these benefits until the outstanding fees are settled.
2.3 Champions are solely responsible for ensuring their membership fees are kept up to date to maintain active status and to continue enjoying the full range of benefits provided by the program.
3. Identity Verification
3.1 Ubuntu Botho Life Pty Ltd complies with international regulations and requires all Champions to verify their identity and dwelling address.
3.2 Within one month of membership activation, Ubuntu Botho Life Pty Ltd will provide a link to each Champion. The link will require a 'selfie' taken at the registered dwelling address.
3.3 Until proper verification of the Champion's liveness and identity is completed, the membership will not become fully active.
3.4 The onus is completely on the Champion to have their identity verified on the platform and to maintain their data accurately. It is the Champion's responsibility to keep their portal information up to date.
4. Transfer of Membership Accounts Upon Death
4.1 In the event of a Champion's death, the ownership of their membership account will automatically be ceded to the beneficiary as nominated in the Champion's online profile.
4.2 Ubuntu Botho Life Pty Ltd will contact the designated beneficiary upon the Champion's death to facilitate the transfer of the membership account.
4.3 The membership account will be passed over to the beneficiary Champion to continue with the business opportunity afforded by Ubuntu Botho Life Pty Ltd.
4.4 Ubuntu Botho Life Pty Ltd reserves the right to request appropriate
documentation and proof of beneficiary designation before effecting the transfer of the membership account.
4.5 Ubuntu Botho Life Pty Ltd is not liable for any disputes that may arise regarding the designation of beneficiaries or any delays in the transfer process due to incomplete or inaccurate beneficiary information.
5. Updating Beneficiary Information
5.1 Champions are responsible for regularly reviewing and updating their beneficiary information in their online profile to ensure its accuracy.
5.2 Any changes to the beneficiary designation must be made by the Champion directly through the MLM Platform or any other method prescribed by Ubuntu Botho Life Pty Ltd.
5.3 Ubuntu Botho Life Pty Ltd shall not be responsible for any consequences arising from outdated or incorrect beneficiary information provided by the Champion.
6. Embedded Insurance Products and Waiting Periods
6.1 Ubuntu Botho Life Pty Ltd does not sell insurance products directly. Instead, certain insurance products are embedded into the membership program as part of the scheme benefit program. These embedded insurance products are made available to Champions subject to the terms and conditions of the Master Services Agreements negotiated by the Company from time to time.
6.2 Some membership benefits may be subject to waiting periods as defined by the terms and conditions of the respective product providers. These waiting periods are clearly outlined in the product providers' terms and conditions, which are made available to Champions on the Ubuntu Botho Life MLM platform.
6.3 It is essential to note that at the point of using any embedded services, benefits, or products, the terms and conditions displayed on the Ubuntu Botho Life MLM platform will always prevail as the applicable terms and conditions for usage, along with the product supplier's terms of use.
7. Upline Referral Payments and Account Security
7.1 Upline referral payments are made in accordance with the compensation plan, as detailed in the addendum to these Terms and Conditions.
7.2 Champions are solely responsible for maintaining the security of their online account details. The Company takes no responsibility for any fraud or fraudulent access to a Champion's online account. Champions must use strong passwords, enable two-factor authentication when available, and refrain from sharing their account details with others.
7.3 The payment of referral fees, incentives, and bonuses is entirely at the sole discretion of Ubuntu Botho Life Pty Ltd. The Company reserves the right to adjust or withhold payments based on compliance with the Terms and Conditions, the Compensation Plan, and any other relevant guidelines or policies.
7.4 Champions who bring Ubuntu Botho Life Pty Ltd into disrepute or negatively portray the Company may face consequences, including but not limited to the suspension of their online account and the refusal of membership going forward. The Company reserves the right to cancel a Champion's account for serious misconduct or breaches of the Terms and Conditions.
8. Competitions and Incentive Programs
8.1 Ubuntu Botho Life Pty Ltd may occasionally introduce once-off bonuses, competitions, or incentive structures called incentive programs to reward and motivate Champions.
8.2 The decision to introduce and implement these incentive programs will be at the sole discretion of the Company.
8.3 The terms and rules of each incentive program will always be listed separately and made available to Champions.
8.4 Only competitions listed and displayed within the Ubuntu Botho Life MLM platform and within the online account of the Champion will be honoured by the Company.
9. Amendment of Terms and Conditions
9.1 Ubuntu Botho Life Pty Ltd reserves the right to amend these Terms and
Conditions at any time, subject to compliance with applicable laws and regulations.
9.2 Amendments to the Terms and Conditions will be communicated to Champions through the MLM platform or any other official communication channel as prescribed by the Company.
10. Governing Law and Dispute Resolution
10.1 These Terms and Conditions, including the sections on Competitions and Incentive Programs, shall be governed by and construed in accordance with the laws of South Africa. Any disputes arising under or in connection with this Agreement shall be subject to the exclusive jurisdiction of the courts of Cape Town, South Africa.
11. Additional Protections for Champions
11.1 Ubuntu Botho Life Pty Ltd commits to treating all Champions with fairness and respect, creating a business environment that fosters growth and empowerment.
11.2 The Company acknowledges its duty to protect Champions from any abusive, deceptive, or unfair practices and pledges to maintain a transparent and ethical business relationship.
11.3 Champions are encouraged to report any concerns or irregularities to Ubuntu Botho Life Pty Ltd promptly to enable the Company to address and resolve such matters efficiently.
11.4 The Company shall establish an accessible and confidential reporting mechanism to enable Champions to report any misconduct or violations.
11.5 Ubuntu Botho Life Pty Ltd shall diligently investigate any reported violations and take appropriate actions, which may include disciplinary measures and termination of any involved parties found guilty of misconduct.
11.6 The Company shall maintain proper record-keeping and compliance practices to ensure transparency and accountability.
11.7 Champions are entitled to a fair and transparent dispute resolution process, and the Company shall endeavour to resolve any disputes promptly and impartially.
By accepting these Terms and Conditions, Champions acknowledge and agree to abide by the provisions set forth herein and to comply with all applicable policies, procedures, and guidelines communicated by Ubuntu Botho Life Pty Ltd through the MLM Platform or any other prescribed communication channel.
Annexe B: PRIVACY POLICY FOR UBUNTU BOTHO LIFE PTY LTD
Effective Date: Upon member registration with Ubuntu Botho Life Pty Ltd, Registration No:
2019 / 144411 / 07
This Privacy Policy describes how we collect, use, and disclose your personal information when you use our multi-level marketing software platform, "Ubuntu Botho Life MLM platform" (the "Platform"). By accessing or using the Platform, you agree to the terms of this Privacy Policy.
1. Information We Collect
1.1 Personal Information:
We may collect personal information that you provide directly to us when you use the Platform, such as your name, email address, contact information, payment details, and other information you choose to provide.
1.2 Usage Information:
When you access or use the Platform, we may automatically collect certain information about your use, such as your IP address, device information, browser type, referring/exit pages, and operating system.
1.3 Tracking Technologies:
We may use cookies, beacons, tags, and other similar technologies to collect information about your interactions with the Platform and to enhance your experience.
2. Use of Information
2.1 Providing and Improving the Platform:
We may use the information we collect to provide, maintain, and improve the "Ubuntu Botho Life MLM platform," including personalizing your experience, responding to your inquiries, and providing customer support.
2.2 Communications:
We may use your contact information to send you administrative and promotional emails, newsletters, and other communications related to the "Ubuntu Botho Life MLM platform." You can opt-out of receiving promotional emails at any time by contacting us using the information provided in Section 8.
2.3 Aggregated Data:
We may aggregate and anonymize the information we collect to analyse trends, track usage patterns, and improve the "Ubuntu Botho Life MLM platform." This aggregated data does not identify individual users.
2.4 Legal Compliance:
We may use and disclose your information to comply with applicable laws, regulations, legal processes, or enforceable governmental requests, as well as to protect our rights, privacy, safety, or property, and that of our users or the public.
3. Data Sharing
3.1 Service Providers:
We may share your information with trusted third-party service providers who assist us in operating and maintaining the "Ubuntu Botho Life MLM platform." These service providers are contractually obligated to use your information only for the purposes of providing the requested services and maintaining the confidentiality of your information.
3.2 Business Transfers:
In the event of a merger, acquisition, or other business transaction, we may transfer your information to the acquiring entity or successor organization, subject to the commitments made in this Privacy Policy.
3.3 Legal Requirements:
We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to comply with applicable laws or legal processes, protect and defend our rights or property, or investigate fraud or security issues.
4. Security
We take reasonable measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
5. Your Choices
5.1 Account Information:
You can review and update your account information by logging into your account on the "Ubuntu Botho Life MLM platform." If you wish to delete your account, please contact us at [contact information].
5.2 Opt-Out Clause:
You have the right to opt-out of receiving promotional emails and other
communications from us. If you no longer wish to receive such communications, you
can opt-out by contacting us at [contact information]. Please allow a reasonable amount of time for your request to be processed.
5.3 Cookies:
Most web browsers are set to accept cookies by default. You can manage your cookie preferences through your browser settings. However, disabling cookies may limit your ability to use certain features of the "Ubuntu Botho Life MLM platform."
6. Children's Privacy
The "Ubuntu Botho Life MLM platform" is not intended for individuals under the age of 18. We do not knowingly collect personal information from individuals under 18 years of age. If you become aware that a child has provided us with personal information without parental consent, please contact us, and we will take steps to remove the information.
7. Changes to the Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated Privacy Policy on the "Ubuntu Botho Life MLM platform" or through other reasonable means. Your continued use of the "Ubuntu Botho Life MLM platform" after the effective date of the updated Privacy Policy constitutes your acceptance of the changes.
8. Contact Us
If you have any questions, concerns, or requests pertaining to opting in or out of any correspondence or messaging, please contact us at 021 023 4050 l info@ubuntubotholife.co.za
Annexe C: FUNERAL: CERTIFICATE OF INSURANCE
Your Funeral Plan offers you and your family emotional and financial support during times of need.
GENERAL
NOMENCLATURE
In this Policy all words and expressions indicating the masculine gender shall include the feminine and those indicating the singular shall include the plural and vice versa, unless the wording indicates the contrary.
BASIS OF POLICY
The information as well as in all declarations made by the Policyholder will form the basis of the Policy, and it is warranted by the Policyholder that such information is accurate. This Policy, however, shall not be invalidated on account of any misrepresentation or nondisclosure made in good faith, unless the misrepresentation or non-disclosure is of such a nature as to be likely to have materially affected the assessment of the risk under the Policy at the time Policy was issued.
CURRENCY AND LAW
The Policy shall be subject to the laws of the Republic of South Africa, and all payments to or by the underwriter shall be made in the Republic of South Africa in its currency.
RESTRICTIONS ON RESIDENCE, TRAVEL, ETC.
The Policy does not impose any restrictions in respect of residence or travel unless otherwise stated herein.
BENEFITS INALIENABLE
Benefits under this Policy may not be ceded, assigned or pledged in any way, nor shall they be capable of being attached by any creditor, curator or trustee of any insolvent estate.
FISCAL REQUIREMENT
Live Wire Customer Centric Solutions reserves the right to make adjustments with 30-day written notice of any changes as determined by the Underwriter, AFRICAN UNITY to the benefits under the Policy that any governmental, provincial, municipal or other such authority may impose including any compulsory charges, levies or taxes on funeral assurance companies.
DEFINITIONS
The words and expressions below shall have the following meanings attached to them:
INTERMEDIARY: The Intermediary shall be Live Wire Customer Centric Solutions appointed by the underwriter to act as Intermediary (herein after referred to as the Intermediary or Live Wire Customer Centric Solutions).
BENEFIT: Any payment of whatever nature which is made under the terms and conditions of this Policy and any Annexures or Schedules annexed hereto, which will include, but will not be limited to, any Funeral Benefit.
CESSATION AGE: The Principal Member’s age as specified in the Schedule, at which age Benefits would cease, or at which age Premiums would cease.
CHILD: A Child born to the Participant, including a posthumous Child, a stepchild, an illegitimate Child and an adopted Child, providing that proof of adoption satisfactory to the Intermediary is submitted.
SPOUSE: A person who is deemed by AU at its sole discretion to be a Spouse, having regard to the particular circumstances of each case, and shall include where applicable, customary marriages or a relationship between two people of the same gender, or a relationship between two people after a cohabitation period of 6 (six) months.
DEPENDANT : The Spouse and the Eligible Children of the Participant.
EFFECTIVE DATE: The date on which a Schedule becomes effective, being the date of acceptance of the application by AU and after receipt of the first premium payment.
ELIGIBLE CHILD: An unmarried child, 20 years and under, of the Principal Member, including a stepchild, a posthumous child, an illegitimate child, a legally adopted child or a stillborn child (after the 26th weeks of pregnancy). A maximum of two stillbirths per family will be payable during the life of the Policy. The age of 21 years is extended to 25 years if still a fulltime student, at the recognised institution or until the Principal Member ceases to qualify.
GUARANTEE PERIOD: 30 day or as stipulated in schedule.
MAXIMUM ENTRY AGE: Maximum entry age, as specified in the Schedule, at which the person insured will be eligible for cover.
PARTICIPANT: An actively at work employee or scheme member of the Policyholder And/or member of society and/or parlour group member.
POLICYHOLDER: The party as described in more detail in the Schedule, who signed the Proposal and the Policy and who is responsible for the payment of the Premiums.
PREMIUM RATE: The rate of the Premium payable by the Policyholder on behalf of a Principal Member and/or his Dependants, for the Benefits as specified in the Schedule, and as amended from time to time in terms of the provisions of this Policy, including risk premiums, an administration fee and commission.
STILLBORN: The definition of stillborn is a birth which occurs after 26 weeks.
UNDERWRITER: African Unity Life Ltd, registration number 2003/016142/07, a registered long-term insurer in terms of the Long-term Insurance Act of 1998 and an Authorised Financial Services Provider (8447) in terms of the Financial Advisory and Intermediary Services Act of 2002. (herein after referred to as “AU”).
WAITING PERIOD: 6 month waiting period as specified in the Schedule, from the inception of cover, during which no benefits will be payable. In the case of a Principal Member of an existing Policy electing a higher cover and /or additional benefits than the Benefits under the Policy, a 6 month Waiting Period will apply to the increased cover and/or additional Benefits, not the current Benefits.
PERSONS ASSURED
The Participant and his Dependants are assured under this Policy for the benefits described herein.
PROCEDURE AT DEATH
Upon the death of any person assured under this Policy, notice of a claim must be given to the Intermediary within 6 months of the date of death. Such notice shall be accompanied by proof satisfactory to AU of the death of the person in respect of whom the claim is made as well as proof of the fact that the deceased was a Participant or Dependant. No notice of a claim is deemed to have been received until such proof is provided to the Intermediary or AFRICAN UNITY. The payment of any benefit may be withheld by AU until all requirements for a valid claim of have been satisfied.
If for any reason, whatsoever, notice of a claim following upon the death of any person assured under this Policy, is not given within the period of 6 months stipulated above, all benefits under this Policy in respect of such death shall be forfeited.
REVISION OF SCHEME
AU reserves the right to amend, vary, revoke or alter any of the terms and conditions of this Policy provided that Live Wire Customer Centric Solutions shall give the Policyholder at least one month’s notice of its intention so as to amend, vary, alter or revoke all or any term and conditions thereof. The premium rate stated in the Schedule will, however, be guaranteed for the Guarantee Period stated in the Schedule but shall otherwise be subject to alteration by the underwriter or it’s duly appointed Intermediary at any time on one month’s written notice given by Live Wire Customer Centric Solutions to the Policyholder of intention so as to alter such premium.
CANCELLATION
Policy holder reserves the right to cancel the scheme at any time giving Live Wire Customer Centric Solutions 30 day’s written notice.
DISPUTES AND MISUNDERSTANDINGS
I) Any disputes or disagreements relative to any claim arising under this Policy or any misunderstandings or conflict of interpretations of this Policy or the application thereof shall, unless otherwise specifically provided, be decided by the Policyholder and Live Wire Customer Centric Solutions in joint consultation, and their decision shall be final, conclusive and binding on all persons in any way concerned.
II) Should the Policyholder and Live Wire Customer Centric Solutions fail to reach such agreement on the amount of any claim payable, either party shall have the right to submit the matter or issue (with all relevant documents, files, details and such other information as may be required) to arbitration under the laws of the Republic of South Africa prevailing at the time.
BENEFITS
For as long as this Policy is of full force and effect, AU undertakes to provide, on the death of the Person Assured, the value as stated in the Schedule to the Policyholder or the lawful representative of the Estate of the Person Assured, provided that a valid claim is instituted.
SPECIAL CONDITIONS
MEMBERSHIP
Membership of this Scheme shall be voluntary for all Policyholders as defined who satisfy the eligibility conditions specified in the schedule. Upon the happening of any of the following events, the Policyholder and his Dependants, as applicable, will cease to be assured under this Scheme and no further premiums shall be payable in respect of them:
I) the Policyholder ceases to pay the premium monthly in advance;
II) the Policyholder withdrawing from the membership;
III) an unmarried Child ceases to be assured under this scheme upon attaining age 21, or attaining the age of 25 if still at a recognised educational institution, or until a later age is mentally retarded or totally and permanently disabled, or upon prior marriage.
DISSOLUTION
On dissolution, all Live Wire Customer Centric Solutions liabilities towards the Policyholder and Dependants of deceased of this Scheme shall cease.
PREMIUM PAYMENT
Premiums shall be payable in advance on/or before the first day of each month at the unit rate(s) stated in the schedule.
Should premiums not be paid monthly in advance, claims will not be considered.
Territorial Limits: South Africa
Payment Method: Paid Membership
FUNERAL PLAN
SUMMARY OF COVER
A - FUNERAL:
• The member, spouse and children of the member will enjoy the following cover:
Persons Insured Cover Amount
Member and Spouse R 20 000
Children 14 – 20 R 20 000
Children 6 – 13 R 10 000 Children under 6 {including stillborn} R 5 000
NOTES:
a. Family Cover
i. A maximum of two {2} spouses can be covered under the policy provided they are both declared at inception,
ii. A member who is not legally married can still enjoy family cover provided that all relevant information is supplied to Live Wire Customer Centric Solutions. Claims for common-law spouses not declared at inception will not be considered for payment in the event of a death {traditional marriages – Labola – included}.
iii. Family cover does not include parent cover or extended family members.
b. Children
i. Subject to the receipt of monthly premiums and the continued membership of the member, cover in respect of children is extended to include:
1. Unmarried children under the age of 21,
2. Unmarried children up to but not including age 26, who are studying full time at a recognized educational institution, and
3. Physically and / or mentally disabled children who qualify as dependants and who do not receive a disability grant and who is dependent on their parents will continue to be covered, irrespective of age.
ii. No claims in respect of grandchildren or foster children will be considered, unless proof of legal adoption has been supplied.
PREMIUMS AND FEES
a. Premiums are payable monthly in advance on or before the 1st of each month via debit order.
b. Premiums are not guaranteed and can be adjusted by Live Wire Customer Centric
Solutions at any stage with 30 days written notice to the client,
c. Live Wire Customer Centric Solutions provides cover on a month-to-month basis and no reserves are built up,
MASTER POLICY
a. We would like to draw your attention to the following terms and conditions of the Master Policy:
i. DREADED DISEASES BENEFITS (Stroke, Ischaemic heart disease/heart attack, TB, Cancer, HIV/AIDS): No exclusion exists for death that has resulted directly or indirectly, fully or partially from dreaded diseases.
ii. SUICIDE: 3 Month waiting period applies for death that has resulted directly or indirectly from suicide, or attempted suicide of the main member.
iii. MAXIMUM ENTRY AGE: This scheme is available to participating members and their eligible dependants, limited to age 65 years.
iv. PARTICIPATION: Participation is optional for existing members but compulsory and a condition of membership for all new members
v. CONTINUATION AFTER RETIREMENT: After retirement, members can transfer to an individual policy with immediate cover on condition the transfer is done within 30 days of the member’s retirement date.
CLAIMS
a. Only claims submitted within six {6} months of the date of death, will be considered for payment,
b. It is a condition that, when a claim is to be processed, the client is to provide Live Wire Customer Centric Solutions with the member’s latest bank statement (prior to the date of death) proving the premium deduction has taken place,
c. No claims will be considered if premiums are in arrears or short paid,
d. No claims will be considered during the first 6 months from inception,
e. Cover under the scheme will cease on the earliest of:
i. Main member attaining age 71 ii. The death of the main member
iii. The non-payment of premiums in terms of Section 52 of the Long- Term Insurance act.
iv. Cancellation of the scheme
For ALL Claim related queries, please contact – (021) 488 9900
CANCELLATION
The client must give Live Wire Customer Centric Solutions one {1} calendar months written notice of his / her intention to cancel the scheme. Such notice must be given on / or before the 1st of a month and shall become effective on the 1st of the following month. Please note that no membership alterations or amendments are allowed in the month of cancellation.
TERMS AND CONDITIONS
The following is a schedule of the terms and conditions applicable to the Funeral Plan, as entered into by and between Live Wire Customer Centric Solutions hereinafter the “Company” and the “Client”
1. The company acts as an agent for the Service Providers. Any reference to the service provided by the Company refers to the company acting as an agent for the Service Providers. The Service Providers, and not the Company, shall at all times be liable for the particular service to the Client. It is express terms of this agreement that under no circumstances whatsoever will the Company accept any liability of whatsoever nature for the non-delivery, or delay in delivery, or poor or bad service in respect of the particular service provided by the Service Provider.
2. Premiums are payable monthly in advance. The Funeral Plan is renewed monthly provided that the premium payable by the Client to the Company is received in advance on a monthly basis (on the 1st working day of the month). The Client will not be covered for any month in which the Company has not received the premium for that month timeously. The contract will automatically be cancelled if 3 consecutive premiums have not been received.
3. The Company, in its sole discretion, is entitled to change the contract terms and conditions or to replace one Service Provider with another by giving the Client 30 calendar day’s written notice.
4. Although the Company does not expect to increase premiums, certain circumstances such as inflation, claims experience and increased costs may result in future premiums not being sufficient to maintain existing cover levels. The Company will advise the Client of any changes by sending the Client written notice to the last known address, 30 calendar days before the change takes effect.
5. The Client may cancel this contract at any time by sending the Company one calendar month’s written notice by fax or registered post.
6. The Company may cancel this contract at any time by sending the Client one calendar month’s written notice to the Client’s last known address.
Long Term Insurance Ombudsman Office Short Term Insurance Ombudsman Office
Share call: 0860 662 837
Tel: 021 657 5000 / 0860 103 236
Fax: 021 674 0951
Email: info@ombud.co.za
Post: Private Bag X45, Claremont, Cape Town, 7735
Office Enquiries: 8:00am to 4:30pm Monday to Friday
Address: Third Floor, Sunclare Building, 21 Dreyer Street, Claremont, Cape Town, 7700
Annexe D: TOMBSTONBE AND REPATRIATION SERVICES
This Digital Master Services Agreement (the "Agreement") is issued by Affinity Group (Pty) Ltd, a company duly registered and operating under the laws of South Africa, with its principal place of business at 2nd floor, Liberty Office Block, 2 Park Lane, Umhlanga, Durban, South Africa hereinafter referred to as "Affinity," to Ubuntu Botho Life (Pty) Ltd, a multi-level and network marketing company, with its principal place of business at Unit B206 Buchanan Square, 160 Sir Lowry Road, Woodstock, Cape Town, 7925 hereinafter referred to as "UBL."
1. Repatriation Services for Mortal Remains in South Africa and SADC
1.1 Definitions: a. "Repatriation" refers to the transportation of a deceased person from the place of death to the place of burial or final resting destination. b. "Call Centre" means the designated point of contact responsible for arranging repatriation services.
2. Waiting Period
2.1 Natural Deaths: A waiting period of 6 months shall apply from the inception date of cover for all natural deaths.
2.2 Accidental Deaths: No waiting period applies for accidental deaths, and repatriation services will be immediately available.
3. Distance Requirement
3.1 The distance between the place of death and the intended burial or final resting destination must be more than 150 km to qualify for repatriation services under this agreement.
4. Repatriation Services within South Africa
4.1 The following services shall be provided and arranged by the call centre for repatriation within South Africa:
• Removal of the deceased within a 50 km radius from the place of death.
• Storage of the deceased until the repatriation arrangements are finalized.
• Registration of death with the relevant authorities.
• Embalming, if required by law or for preservation during transportation.
• Road Transportation of the deceased to the intended place of burial.
• Provision of an appropriate transportation coffin.
• Preparation of the deceased for viewing or funeral, as needed.
5. Repatriation Services within SADC countries
5.1 The following services shall be provided and arranged by the call centre for repatriation within SADC countries:
• Removal of the deceased within a 50 km radius from the place of death.
• Storage of the deceased until repatriation arrangements are completed.
• Registration of death with the relevant authorities.
• Embalming, if required by law or for preservation during transportation.
• Road Transportation of the deceased to the nearest international airport if the destination is a neighbouring country within SADC.
• Flights to the nearest international airport to the final destination if the repatriation involves a non-neighbouring country within SADC.
• Provision of an appropriate transportation coffin.
• Preparation of the deceased for viewing or funeral, as needed.
6. Exclusions
6.1 Repatriation services shall not be provided in the following cases:
• If the distance between the place of death and the intended burial or final resting destination is less than 150 km.
• If the death occurred within the waiting period for natural deaths, except for accidental deaths.
• If the death occurred due to circumstances excluded from the policy coverage.
7. Liability
7.1 The call centre and its affiliates shall not be held liable for any delays or disruptions beyond their reasonable control, including but not limited to acts of God, political unrest, or transportation restrictions.
8. Decision on Service Provider
8.1 The call centre retains the sole and final decision-making authority to select the appropriate service provider to fulfil the repatriation services outlined in these terms and conditions. The call centre will make reasonable efforts to ensure that the selected service provider meets the necessary standards for quality and professionalism.
9. Governing Law and Arbitration Clause
9.1 These terms and conditions shall be governed by the laws of South Africa.
9.2 Any dispute, controversy, or claim arising out of or relating to these terms and conditions, including the breach, termination, or invalidity thereof, shall be settled by arbitration in accordance with the rules of the Arbitration Foundation of Southern Africa (AFSA).
9.3 The arbitration shall be conducted by a single arbitrator appointed by mutual agreement between the parties or, failing such agreement within 15 days of the initiation of arbitration, by the AFSA.
9.4 The place of arbitration shall be in South Africa, and the language of the arbitration shall be English.
9.5 The decision of the arbitrator shall be final and binding upon the parties, and judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.
By accepting the UBL membership and availing of the repatriation services provided by Affinity through the UBL digital software platform, the Champions agree to abide by these terms and conditions, including the arbitration clause and the call centre's decision on service provider selection. Affinity reserves the right to amend these terms as deemed necessary, with any changes being communicated to the Champions through the UBL software platform. Champions are responsible for reviewing and understanding these terms before proceeding with any repatriation arrangements.
TOMBSTONE SERVICES
Affinity also provides tombstone services to UBL's Champions. The tombstone service includes assistance with the procurement of a tombstone, including the cost of engraving. The service also covers the transportation of the tombstone to the burial ground or final resting place, based on the membership status of the Champion. Additionally, installation at the place of burial or final resting place will be carried out as per the Champion's membership status.
Tombstone services are limited to R5,000.00 (Five Thousand Rand) per member for South Africa residents and R8,000.00 (Eight Thousand Rand) per member for SADEC members due to the cross-border services.
Annexe E: MASTERS SERVICE AGREEMENT
DWELLING FIRE RECOVERY SERVICES AGREEMENT
This Dwelling Fire Recovery Services Agreement (the "Agreement") is made and entered into by and between Ubuntu Botho Life Pty Ltd (UBL), a company duly registered and operating under the laws of South Africa, referred to as "UBL," and the members or agents, referred to as "Champions," who are registered participants on the UBL software platform.
WHEREAS, UBL offers a membership program that provides various services and lifestyle benefits to its Champions;
NOW, THEREFORE, in consideration of the mutual promises and covenants contained herein, UBL and the Champions agree as follows:
1. Assistance with Dwelling Rebuilding:
UBL agrees to provide eligible Champions with R5,000 worth of vouchers to assist in the rebuilding of their dwelling should it be razed to the ground by fire. The vouchers shall be distributed as follows:
• R4,000 from a building supply company,
• R750 from a retailer, and
• R250 from a supporting Telco company.
2. Voucher Allocation:
The companies supplying the vouchers shall be at the sole discretion of UBL. However, UBL shall make reasonable efforts to select reputable and reliable suppliers for the vouchers. Fraudulent claims shall not be accepted and may result in immediate termination of this benefit and potential legal action.
3. Eligibility and Waiting Period:
This service is an added benefit available exclusively to active Champions who have paid for three consecutive months of membership fees. Champions must maintain an updated and correct dwelling address as recorded on the UBL champion account on the UBL software platform.
4. Fire Prevention and Precaution:
Champions acknowledge and understand that this benefit is subject to certain conditions, and it is their duty to take due care and precaution to prevent and mitigate fire risk at their dwelling. UBL shall not be liable for any damages or losses resulting from fire incidents that do not meet the specified conditions.
5. Reporting and Documentation:
In the event of a dwelling fire, Champions must report and document the incident with the local authorities. Only incidents that result in the complete razing of the dwelling to the ground shall be eligible for the voucher assistance.
6. Three-Month Waiting Period:
This membership benefit has a three-month waiting period, which starts from the date of initial payment and registration. If a Champion misses a payment during the threemonth waiting period, the waiting period will begin again once the consecutive threemonth payment requirement is met.
7. Acceptance of Terms:
By accepting the terms of UBL membership, Champions agree to abide by the terms and conditions outlined in this Agreement and acknowledge that this benefit is a service and lifestyle benefit as part of their UBL membership.
8. Termination and Amendment:
UBL reserves the right to terminate or amend this Agreement, in whole or in part, at any time, with or without notice, at its sole discretion.
9. Governing Law and Jurisdiction:
This Agreement shall be governed by and construed in accordance with the laws of South Africa. Any disputes arising out of or in connection with this Agreement shall be subject to the exclusive jurisdiction of the courts of South Africa.
Annexe F: MASTERS SERVICE AGREEMENT : PERSONAL IDENITTY, DATA AND FINANCIAL FRAUD SERVICES
This Masters Service Agreement ("Agreement") is entered into by and between AlertPlus Technologies ("AlertPlus") and Ubuntu Botho Life ("Ubuntu Botho Life"), collectively referred to as "Parties" and individually as a "Party".
1. Definitions
1.1. AlertPlus: Refers to the service provider, AlertPlus Technologies, specialising in identity and cyber fraud protection and restoration services.
1.2. Ubuntu Botho Life Lifestyle Programme: Refers to the membership program offered by Ubuntu Botho Life, which includes active members known as "Champions."
1.3. Champion: Refers to the members and agents of Ubuntu Botho Life Lifestyle Programme.
1.4. Active Member: A Champion who is currently a paid-up member, as indicated by the "active" status on their Ubuntu Botho Life online account.
1.5. Credit Alert Service: The service provided by AlertPlus to help Champions manage their personal identity and data, prevent identity and cyber fraud, and assist in restoring identities, credit profiles, and recovering lost funds in case of identity theft or cyber fraud.
2. Purpose
The purpose of this Agreement is to define the terms and conditions under which AlertPlus Technologies shall provide the Credit Alert Service to all active members (Champions) of the Ubuntu Botho Life Lifestyle Programme.
3. Services Provided
3.1. Identity Monitoring: AlertPlus will monitor the national identity numbers of all active members with credit bureaus to prevent identity fraud and unauthorized transactions.
3.2. Transaction Notifications: Upon identifying any transactions related to a Champion's credit profile, the Champion will be promptly notified of the details of such transactions.
3.3. Transaction Approval/Dispute: Champions shall have the right to approve or dispute identified transactions using their personal data registered with the credit bureaus.
3.4. Call Centre Assistance: AlertPlus will provide Champions with access to a dedicated call centre to assist in resolving any identity or cyber fraud incidents.
3.5. Attorney Appointment: At the sole discretion of AlertPlus Technologies, and when necessary, AlertPlus may appoint an attorney to resolve identity or cyber fraud matters on the Champion's behalf.
4. Authorization and Consent
By registering as a Champion of the Ubuntu Botho Life Lifestyle Programme, Champions automatically and explicitly accept these terms and conditions and authorize AlertPlus Technologies to monitor their identity numbers with credit bureaus to prevent fraud. Champions further consent to their data being used by AlertPlus Technologies to deliver the Credit Alert Service.
5. Duration and Termination
5.1. This Agreement shall be effective from the date of acceptance by the Champion and shall continue until termination.
5.2. AlertPlus or Ubuntu Botho Life may terminate this Agreement at any time, with or without cause, by providing thirty (30) days' written notice to the other Party.
6. Confidentiality
AlertPlus Technologies agrees to handle all personal data and information provided by Champions in strict confidence, following applicable data protection and privacy laws and regulations.
7. Limitation of Liability
AlertPlus Technologies' liability for any damages arising from the provision of the Credit Alert Service shall be limited to the fees paid by the Champions for the services during the three (3) months preceding the event giving rise to such liability.
8. Governing Law and Dispute Resolution
This Agreement shall be governed by and construed in accordance with the laws of South Africa. Any disputes arising out of or related to this Agreement shall be resolved through amicable negotiation between the Parties. If the dispute remains unresolved, the Parties agree to submit the matter to mediation or arbitration in accordance with the laws of South Africa.
9. Entire Agreement
This Agreement constitutes the entire understanding between AlertPlus Technologies and Ubuntu Botho Life regarding the Credit Alert Service and supersedes all prior discussions, agreements, or representations, whether written or oral.
AlertPlus Technologies: Digital Intelligence
Annexe G: COMPENSATION PLAN
ADDENDUM TO UBUNTU BOTHO LIFE MEMBERSHIP AGREEMENT - COMPENSATION PLANS
Compensation Plans Overview:
The Compensation Plans described herein have been meticulously designed to reward Champions for their exceptional efforts in referring new members to Ubuntu Botho Life and facilitating their registration and payment of monthly membership fees. The Company is proud to affirm that these Compensation Plans shall remain unchanged, and Champions will receive their referral commission precisely by the level in their downline in perpetuity, except in limited circumstances outlined in Clause 3.
Champion Eligibility:
Champions plans must maintain an active, paid up and compliant status with Ubuntu Botho Life to be eligible for any commissions and rewards under these Compensation Plans. By accepting the terms and conditions of membership, Champions hereby accept these Compensation Plans and any subsequent changes made by the Company as the final versions. The Compensation Plans are envisaged to pay Champions forever, as long as they remain active, dedicated, and their downline Champions fulfil their obligation by paying their monthly membership fees.
Changes to the Compensation Plans:
The Company shall take every measure to maintain the integrity of these Compensation Plans and uphold the commitment to paying referral commissions unchanged and by level in their downline in perpetuity. Changes to the Compensation Plans will only be implemented due to measures and actions affecting the Company that are outside of the control of directors and the Company, and where it is absolutely necessary for business profitability. Such changes shall be communicated clearly to members with sufficient time for comment and due process.
The Company will provide Champions with a reasonable notice period to review proposed changes and provide feedback. All changes shall be subject to a thoughtful and transparent evaluation process, considering the potential impact on Champions and the long-term sustainability of the business. The Company will diligently consider all comments and concerns raised by Champions during this period.
Access to Online Portal:
All Champions will have access to their individual online portal, wherein they can view their full transaction history, team genealogy, and other relevant financial information related to their participation in Ubuntu Botho Life. The online portal serves as a comprehensive resource for Champions to monitor their performance, earnings, and progress within the program.
It is the duty of each Champion to familiarize themselves with their own Ubuntu Botho online portal and regularly review their transaction history and team genealogy to ensure accuracy and track their referral commissions effectively. The Company shall provide necessary assistance and support to Champions for any queries or clarifications regarding the online portal.
Referral Commission by Level:
Referral commissions will be paid out on a multi-level basis and allocated to the transaction history of each Champion in their upline as follows, and as per plan as elected by the champion:
LEVELS | STARTER PLAN | PREMIER PLAN RSA | PREMIER PLAN SADC |
Level 1 | R50 | R70 | R70 |
Level 2 | R20 | R50 | R50 |
level 3 | R10 | R45 | R45 |
level 4 | 0 | R25 | R25 |
Level 5 | 0 | R10 | R10 |
Level 6 | 0 | R6 | R6 |
Level 7 | 0 | R4 | R4 |
Final Decision on Commission Payments:
Ubuntu Botho Life retains the final say in determining the payment of commissions to Champions. In the event of any discrepancies or disputes concerning referral commission payments, the matter shall be referred to the Board of Directors of Ubuntu Botho Life. The decision rendered by the Board of Directors shall be final and binding, and Champions agree to accept and abide by the decision.
Compensation Plans Subject to Local Laws:
This Compensation Plans are subject to all applicable laws and regulations of South Africa. The Company shall adhere to these laws and will act fairly in relation to the Compensation Plans. Champions are encouraged to report any concerns or grievances related to the Compensation Plans to the Company's support team.
Indemnification:
The Company and Champions agree to indemnify, defend, and hold each other harmless from and against any claims, liabilities, damages, losses, or expenses arising out of or in connection with the implementation and operation of these Compensation Plans.
Governing Law and Jurisdiction:
This Addendum, along with the Membership Agreement, shall be governed by the laws of South Africa. Any disputes arising from or relating to these Compensation Plans shall be subject to the exclusive jurisdiction of the courts of the Western Cape, South Africa.
Note:
This document serves as the complete and final Compensation Plans for Champions of Ubuntu Botho Life. By accepting the terms and conditions of membership, Champions acknowledge and agree to abide by the provisions outlined herein, including the Company's authority to make the final decision on commission payments and the resolution of any discrepancies. The Compensation Plans are intended to reward Champions indefinitely, contingent upon maintaining an active status and ensuring their downline Champions' compliance with monthly membership fees.
Annexe H: CHAMPIONS "SWIPE & REWARDS" PROGRAMME
*****************************Terms and conditions available shortly*************************************************
Annexe I: UBUNTU BOTHO LIFE FOUNDERS POOL BONUS
TERMS AND CONDITIONS - UBUNTU BOTHO LIFE FOUNDERS POOL BONUS
1. Eligibility and Qualification:
1.1. The Founders Pool Bonus is available to all active paid-up members of Ubuntu Botho Life Pty Ltd who qualify for the Founders Forum based on their downline category as specified in the compensation plan.
1.2. Champions must join and support the business before March 25th, 2024, to be recognized as founders.
1.3. To qualify for the Founders Pool Bonus, champions must be active paid-up members and meet the downline volume requirements for the respective Founders Forum, as outlined below:
• Black Founders Forum: Champions must have a minimum of 1000 active members in their downline as of march 25th, 2024.
• Gold Founders Forum: Champions must have a minimum of 750 active members in their downline as of march 25th, 2024.
• Silver Founders Forum: Champions must have a minimum of 500 active members in their downline as of March 25th, 2024.
• Bronze Founders Forum: Champions must have a minimum of 250 active members in their downline as of March 25th, 2024.
2. Accumulation and Payout of Founders Pool Bonus:
2.1. An amount of R20 from every active member joining and paying after March 25th, 2024, will be allocated to the Founders Pool.
2.2. This allocated amount will be equally split among the total number of Founders allocated to each Founders Forum as of March 25th, 2024.
2.3. The Founders Pool Bonus will be accumulated monthly and paid out quarterly to all eligible Founders.
2.4. The company's obligation is to report the Founders Forum categories by the end of March 2024.
3. Discretion and Determination of Founders Forum Allocation:
3.1. The final list of Founders and their allocation to a specific Founders Forum based on downline volume is at the full discretion of Ubuntu Botho Life Pty Ltd.
3.2. The determination of Founders and their respective Forum categories will be based on the number of active members in their genealogy and downline as represented in every champion's online portal, where their business is managed.
4. Champion's Obligations:
4.1. All champions have the obligation to ensure that their online account and portal information are accurate and up-to-date as of midnight on March 25th, 2024.
4.2. Any discrepancies or inaccuracies in the downline information after the specified date will not be attended to, and the final list of Founders will be considered as of March 25th, 2024.
5. Modification and Conclusion:
5.1. Ubuntu Botho Life Pty Ltd reserves the right to modify or terminate the Founders Pool Bonus program, in whole or in part, at any time, with or without prior notice.
5.2. These terms and conditions shall conclude at midnight on March 25th, 2024.
In witness of the undersigned, this document is accepted and agreed upon by Ubuntu Botho Life Pty Ltd and its eligible champions, to be legally binding upon registration and participation in the Founders Pool Bonus program.