Any reference on this website to "Paws24", "we", "us", or "our" refers to Paws24, a product underwritten by Dotsure Limited (Registration number 2006/000723/06) (FSP39925), a licensed non-life insurer and authorised financial services provider. Since Paws24 is a product of Dotsure Limited, all legal wording will be in Dotsure Limited’s name.
The dotsure.co.za Portal may contain links to websites, which are owned or operated by third parties independent of dotsure.co.za (“Third Party Websites”). dotsure.co.za does not sponsor, endorse or approve of the operators of Third Party Websites, or material (including services, information, graphics, or data) which is located on such Third Party Websites (“Third Party Material”).
The dotsure.co.za Portal may contain or link to information about special offers, deals or promotions by persons not related to or part of dotsure.co.za (“Third Party Offers”). dotsure.co.za does not sponsor, endorse, or approve of any Third Party Offers, or Third Party material associated with these offers.
Subject to any applicable law which cannot be excluded, dotsure.co.za makes no warranties or representations:
By submitting your personal information for purposes of a quote to be generated, you specifically consent to the collection, collation, processing or disclosure of any of your personal information submitted in such a way for the purpose of generating a quote and possibly entering into an insurance contract with you.
You furthermore agree that all the personal information provided by you is necessary for the purpose of providing a quote.
You hereby give permission to dotsure.co.za to disclose your personal information to companies within our own group of companies for research, market analyses and marketing purposes.
The dotsure.co.za Portal contains both information of a general nature about dotsure.co.za and dotsure.co.za’s products and services, and also enables you to purchase and pay for insurance products and services online.
When entering into a transaction via the dotsure.co.za Portal, whether it be the issuance of an insurance contract, until an “Electronic Instruction” (being any electronic instruction, information, message, request or communication issued or transmitted to dotsure.co.za via the dotsure.co.za Portal) containing the acceptance from you to dotsure.co.za’s offer, or the confirmation of payment from you, whichever is applicable, has been received and processed by dotsure.co.za, and any specific steps or requirements as set out in this clause 4, have been complied with.
You acknowledge that the transmission of your acceptance or the confirmation of any payment, made through an Electronic Instruction may not be received by dotsure.co.za in accordance with this clause 4 for reasons beyond either parties’ reasonable control including, but not limited to, mechanical, software, computer, telecommunications, or electronic failure, or the omission or failure of third party service providers or systems. You further acknowledge that, to the extent permitted by law, dotsure.co.za is not liable to you in any way for any loss or damage at all and however caused, arising directly or indirectly in connection with the transmission of an Electronic Instruction through the dotsure.co.za Portal, or any failure to receive an Electronic Instruction for whatever reason.
Where the dotsure.co.za Portal enables you to purchase insurance products or services online:
Creating a binding insurance contract with dotsure.co.za via the dotsure.co.za Portal is a two-step process:
When entering into a contract via the dotsure.co.za Portal, you will be taken to have communicated your acceptance to an offer of insurance from dotsure.co.za only when:
A binding insurance contract is conditional on dotsure.co.za being able to successfully charge against your nominated bank account and dotsure.co.za receiving timeous payment of your applicable premium by way of debit order from your bank account.
Where a transaction is entered into between dotsure.co.za and you via the dotsure.co.za Portal, a policy number will be issued by dotsure.co.za via the dotsure.co.za Portal. However, a binding insurance agreement is not conditional on the issuance or receipt by you of a policy number. Therefore, the failure by you to receive a policy number via the dotsure.co.za Portal does not invalidate or otherwise prejudice the existence of an insurance contract or transaction entered into using the dotsure.co.za Portal.
dotsure.co.za may or may not issue a paper confirmation of the insurance policy. The existence of a binding contract is not conditional on dotsure.co.za issuing, or you receiving, a paper confirmation of the transaction.
You are responsible for ensuring that you receive a policy number and should contact dotsure.co.za if one is not received within 24 hours.
Where you only complete a quick quote on the dotsure.co.za Portal a binding insurance agreement is not created. A binding insurance agreement will only be created once dotsure.co.za receives your full premium payment by debit order on the dotsure.co.za portal, upon receipt of which you will be covered.
The insurance policy will endure for a period of one month and is subject to your renewal thereof for further periods of one month each by paying the premium.
The dotsure.co.za Portal only offers an online facility for renewal payment with selected bank accounts.
The policy renewal notice will indicate how online renewal payment can be made.
Online renewal payment can be made by following the “Pay your renewal” link on the dotsure.co.za Portal.
When making a payment for a policy renewal via the dotsure.co.za Portal, you will be taken to have renewed that policy only when:
A binding insurance contract is conditional on dotsure.co.za being able to successfully charge against your nominated bank account and dotsure.co.za receiving payment for all applicable renewal amounts due for the policy (or policies) being renewed.
dotsure.co.za, at its discretion, may or may not issue a confirmation of the renewal payment. The existence of a valid payment is not conditional on dotsure.co.za issuing, or you receiving, a paper confirmation of the transaction.
Cancelling of insurance contract: You may at any time cancel the insurance policy and claim back any pro rata premium already paid for the month in which you cancel the policy.
All payments for any insurance products or other services purchased via the dotsure.co.za Portal must be paid in full by clear funds by the due date specified in the relevant confirmation.
Unless provided for otherwise, all payments referred to in (1) above are to be made by selected bank accounts. You must therefore provide to dotsure.co.za details of your current and valid bank account, including:
The dotsure.co.za Portal may contain or make available various tools, calculation devices, software programs, games or other features which assist you in calculating the optimal insurance policy, premium, or level of excess for you. The dotsure.co.za Portal may also contain other useful information.
Whilst dotsure.co.za has undertaken reasonable steps to ensure that any such features or information as described in (1) above are accurate and free from defect, dotsure.co.za does not warrant the accuracy, adequacy, correctness or completeness of these features, which are provided on an “as is” basis. The use by you of any of these features or any information provided is entirely at your own risk.
The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.
All applications for insurance or other products made via this dotsure.co.za Portal are subject to and must comply with dotsure.co.za’s normal approval criteria and are governed by the normal terms and conditions applying to each product or service requested. Full terms and conditions are contained within dotsure.co.za’s policy documents (which include a policy schedule or certificate of insurance, policy wording and Disclosure Statement and Important Information about Us). These can be at any time accessed on the dotsure.co.za Portal.
Whilst reasonable steps have been undertaken to ensure that information is free from error, dotsure.co.za does not warrant the accuracy, adequacy or completeness of Material on this Portal. All information is subject to change without notice. dotsure.co.za does not guarantee that the dotsure.co.za Portal or Third Party Websites will be free from viruses, or that access to the dotsure.co.za Portal or Third Party Websites will function as intended or be uninterrupted. All terms implied by law, except those that cannot be lawfully excluded, are excluded
Subject to any responsibilities implied by law and which cannot be excluded, dotsure.co.za, and its directors, employees, agents and contractors, are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to Material on this Portal, to Third Party Material, third party services, or to access of the dotsure.co.za Portal by you, howsoever caused, whether in contract, delict, statute or otherwise.
The dotsure.co.za Portal does not purport to provide you with financial or investment advice of any kind. The information available via the dotsure.co.za Portal does not take account of your particular financial or insurance position or requirements. dotsure.co.za suggests that you seek independent advice before acting upon Material on this Portal or Third Party Material.
As electronic services are subject to interruption or breakdown, access to the dotsure.co.za Portal is offered on an “as is” and “as available” basis only.
The information and material contained in this dotsure.co.za Portal is provided solely for bona fide personal or commercial customers only. By accessing, viewing or otherwise using this dotsure.co.za Portal, you agree to abide by the terms and conditions of use contained in this clause and clause 14.
You agree that you will not (either yourself or through any third party):
dotsure.co.za grants you the right to use the software accessed by this portal, for the purposes of providing you with dotsure.co.za’s insurance products and services. You may not sell, licence or distribute this software. A licence fee is included in the premium dotsure.co.za charges, entitling you to use the software for the period of your policy.
In accordance with the Electronic Communications and Transactions Act (“ECTA”) we make the following information available to you as a result of any agreement entered into and between us which constitutes an electronic transaction as defined in ECTA:
We accept all legal proceedings and legal documents at the following address:
These Portal terms and conditions were last amended on 04/05/2021