The Fund shall mean the Chartered Accountants (SA) Medical Aid Fund (CAMAF).
The Rules shall mean the registered Rules of the Fund.
The Website Terms shall mean the terms and conditions of use of the Fund’s website.
Any word or expression used in the Website Terms bears the meaning assigned to it in the Rules of the Fund.
By using the website, you agree to be bound by the Website Terms. Please review them carefully before proceeding and/or acceptance.
Personal information of you and your registered dependants, which you have supplied to the Fund or which the Fund has obtained lawfully, is available on the website.
PROPRIETARY RIGHTS AND LICENSE
All trademarks, copyright, database rights and other intellectual property rights of any nature in the website together with the underlying software code are owned either directly by the Fund or by the Fund’s licensors. You do not obtain any trademarks, copyright, database rights or any other intellectual property rights of any nature or licences by using the website.
CONDITIONS OF USE
You will not and you will not allow third parties on your behalf to:
- Make and distribute copies of the website;
- Attempt to copy, reproduce, alter, modify, reverse engineer, disassemble, decompile, transfer, exchange or translate the website; or
- Create derivative works of the website of any kind whatsoever.
The website is currently made available to you free of charge for your personal, non-commercial use. The Fund reserves the right to amend or withdraw the website, or charge for the website or service provided to you in accordance with the Website Terms, at any time and for any reason. You acknowledge that the terms of the agreement with your Internet provider will continue to apply when using the website. As a result, you may be charged by the Internet provider for access to network connection services for the duration of the connection while accessing the website or any such third party charges as may arise. You accept responsibility for any such charges that arise. If you are not the bill payer for the device being used to access the website, you will be assumed to have received permission from the bill payer for accessing and using the website.
The Fund may in its sole discretion amend the Website Terms and/or the website from time to time. We recommend that you familiarise yourself with the terms and conditions regularly. The most updated terms and conditions will apply each time you use this website.
The Fund may in its sole discretion terminate the use of this website at any time by giving notice of termination to you. Upon termination of use of this website, the rights granted to you in terms of the Website Terms shall terminate.
LIMITATION OF LIABILITY
In no event shall the Fund be liable for any direct, indirect, special, punitive or consequential losses or damages or penalties of whatsoever kind arising out of your use of or access to the website, including loss of profit or the like whether or not in the contemplation of the parties, whether based on breach of contract, delict (including negligence), product liability or otherwise. The Fund shall not be liable to you for any damage or alteration to your equipment including but not limited to computer equipment, handheld devices or mobile telephones as a result of the use of the website.
The website is provided “as is” and “as available” without warranty of any kind. Successful submission of claims, captured images, documentation or requests via the website do not constitute processing or validation of the information or guarantee of payment of claims or authorisation of procedures or medicine.
The website and all information, content, tools and materials are provided by the Fund or affiliated providers, on an “as is” and “and available” basis, unless we inform you otherwise in writing.
The Fund is unable to take responsibility with regards to the operation of the website or the links to information, or other content, tools or materials on the website. As a user, you agree that you use the website at your own risk.
The Fund is unable to guarantee that:
- the Website;
- the information, content, tools or materials included on the Website;
- the CAMAF servers; or
- any electronic communications sent by Fund
is free from viruses or other harmful components.
The Fund will not be liable for any damages of any kind arising from your use of the Website or from any information, content, tools or materials included on or otherwise made available to you through the Website, including for direct, incidental, punitive and/or consequential damages.
The Fund is fully committed to providing you with exemplary service. However, the Fund is not responsible for:
- any interrupted, delayed or failed transmission, storage or delivery of information due to a power failure, equipment or software malfunction, natural disasters, fire, labour unrest, or any other cause beyond the reasonable control of the Fund or its associate website consultants; or
- any inaccurate, incomplete or inadequate information obtained from the Website supplied by you.
- Neither will the Fund be responsible for any direct or indirect loss or damages that may arise from:
- any of the events described in this paragraph or the paragraphs above;
- your actions or omissions that result in a breach of the terms and conditions;
- any links to other websites from the Website. You also acknowledge that we cannot control the content of or the products offered on those websites;
- a denial of access to the website should we believe or have reason to believe that you are conducting activities that are illegal, abusive, would attack the integrity of the website or bring the Fund into disrepute; or
- your reliance on any of the information, content, tools or materials that you obtain from the Website.
It is imperative that you acknowledge and understand that the information included on this Website should not be regarded as either advice in terms of any applicable legislation. Please consult your healthcare practitioner or financial advisor, in the event that you require advice.
The clinical information that may be provided on this Website is based on best practice and on current recommendations and guidelines. These may change from time to time. The information provided should by no means replace the advice of a registered healthcare provider. You should not discontinue any treatment you may be receiving, or commence any treatment, on the basis of information on this Website without first consulting your healthcare provider.
PROFILE AND USE
Please keep your access details (including, your username and password) confidential and do not allow other people to use them. By logging onto the site with your unique username and password, you also accept full responsibility for all activities that occur under your access details or password and accept responsibility for sharing your username and password. You are only permitted to use one account. If you use more than one account, the Fund may revoke all access.
The Fund may refuse to provide products and/or services to you if we are unable to verify any information that you provide to us.
The following actions shall be material breaches of these terms and conditions:
- signing in as, or pretending to be, another person;
- transmitting material that violates, or could violate, the intellectual property rights of others or the privacy of others;
- using interactive services in a way that is intended to harm, or could result in harm, to you or to other users of the website; or
- gathering information about others without obtaining their prior written consent.
Any use of your access details shall be regarded as if you were the person using such information.
You may change your username and password at any time, although the Fund may determine certain requirements that you will need to meet when choosing a username or password. These requirements may be changed from time to time and you may be required to update your credentials following such changes.
The Fund may need certain personal and financial information from you. Please ensure this information is current and accurate.
All information provided by you at any time to the Fund via the Website, is true, accurate, current and correct and when required, will be updated.
All facts pertaining to your use of this website have been disclosed and any transactions related to your profile will be void if you do not meet this requirement.
ELECTRONIC COMMUNICATION AND RECORDS
Upon you contacting the Fund electronically, you accept that we may communicate with you using various electronic channels. All records that you send to us may be stored electronically and shared with third parties who are bound by the strictest levels of confidentiality. These electronic records shall be proof of the records, unless you can prove otherwise.
Any electronic communication (for example, an e-mail, SMS, or WhatsApp) sent to you will be regarded to have been received by you upon being sent by the Fund. This includes, but is not limited to mobile push notifications. You are responsible for providing, at your expense, any access to the internet and any required equipment for purposes of such electronic communication.
As a registered user of the website, you may receive communications from us electronically, including but not limited to email, SMS and WhatsApp. If you do not wish for us to communicate with you through a specific channel, you may change your method of communication on the website.
The Fund takes all reasonable steps to protect your personal information and maintain confidentiality, and may use encryption technology. However, we cannot guarantee the security or integrity of any information you transmit to us online and you agree that you do this at your own risk.
All agreements, notices, disclosures and other communications that we provide to you electronically will meet any legal requirement that the communications be in writing.