Policies, Terms and Conditions

CONTENT
CAMAF (Chartered Accountants (SA) Medical Aid Fund) Social Media accounts are managed by the CAMAF Social Team, on behalf of CAMAF.

We may occasionally use automation (such as tools which generate tweets from RSS feeds) but the intention is not to dominate the messages and/or information posted on any of our Social Media platforms.

If you become a fan of CAMAF (‘follow’, ‘like’ or ‘join’ us), you can expect regular content covering any of the following:

• Updates about new content on our other digital channels (News,
• Scheme updates, Helpful Tips, Campaigns, etc.)
• Invitations to provide feedback on specific issues relevant to the industry
• Information on topical issues surrounding the industry
• Occasional coverage of relevant events

FOLLOWING
If you follow us, we may follow you back on some or all of our relevant Social Media platforms. Being followed by CAMAF does not in any way imply endorsement of any kind.

AVAILABILITY
We will update and monitor our Social Media accounts during office hours, Monday to Friday, and will attempt to provide the relevant response should CAMAF deem this necessary within a reasonable time period (24 – 48 hours).

Some of these platforms may occasionally be unavailable and we accept no responsibility for lack of service due to downtime.

CAMAF reserves the right to disengage from some or all of these Social Media platforms at any time without cause or notification.

REPLIES, COMMENTS AND MESSAGING
We welcome feedback and ideas from all our followers, and endeavor to join the conversation where possible. However, we are not able to reply individually to all the messages we receive.

The CAMAF Social Team reads all Replies, Comments and Messages and ensures that any emerging themes or helpful suggestions are passed to the relevant people.

We cannot engage on issues that may be deemed unsuitable and/or inappropriate, nor can we answer questions which are in contradiction of our registered rules.

Any unsuitable and/or inappropriate content will be removed and whoever placed this may be blocked from future participation on any or all of these social platforms.

DEFINITIONS
The Application shall mean the software provided by the Fund to offer services related to the Fund, to be used on selected Apple iOS, Android OS and Windows devices and any upgrades from time to time and any other software or documentation which enables the use of the Application.
The Appterm shall mean the terms and conditions of use of the Fund’s Application for mobile devices.
The Fund shall mean the Chartered Accountants (SA) Medical Aid Fund (CAMAF).
The Rules shall mean the registered Rules of the Fund.
Any word or expression used in the Appterms bears the meaning assigned to it in the Rules of the Fund.

GENERAL
By installing the Application, you agree to be bound by the Appterms. Please review them carefully before installation and/or acceptance.

DATA PROTECTION
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 Application.

Any personal information of you and your dependants available on the Application and which you supply to the Fund when using the Application will be used by the Fund in accordance with the Rules and the Privacy Policy set out below and subject to legislation.

By using the Application, you guarantee that you have obtained the necessary consent from your registered dependants registered with the Fund to view and supply personal information pertaining to them.

WEBSITE
The Application allows you to access certain functionality available on the website of the Fund, www.camaf.co.za. Such access shall be governed by the Website Terms and Conditions of Use.

PROPRIETARY RIGHTS AND LICENCE
All trademarks, copyright, database rights and other intellectual property rights of any nature in the Application 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 Application.

CONDITIONS OF USE
You will not and you will not allow third parties on your behalf to:

• Make and distribute copies of the Application;
• Attempt to copy, reproduce, alter, modify, reverse engineer, disassemble, decompile, transfer, exchange or translate the Application; or
• Create derivative works of the Application of any kind whatsoever.

The Application 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 Application, or charge for the Application or service provided to you in accordance with these Appterms, at any time and for any reason.

You acknowledge that the terms of the agreement with your mobile network provider (Mobile Provider) will continue to apply when using the Application. As a result, you may be charged by the Mobile Provider for access to network connection services for the duration of the connection while accessing the Application 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 mobile device being used to access the Application, you will be assumed to have received permission from the bill payer for accessing and using the Application.

AMENDMENTS
The Fund may in its sole discretion amend the Appterms and/or the Application from time to time.

TERMINATION
The Fund may in its sole discretion terminate the use of the Application at any time by giving notice of termination to you.

Upon termination of use of the Application, the rights granted to you in terms of the App terms shall terminate and you must cease using of the Application.

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 Application, including loss of profit or the like whether or not in the contemplation of the parties, whether based on breach of contract, derelict (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 installation or use of the Application.

DISCLAIMERS
The Application is provided “as is” and “as available” without warranty of any kind. Successful submission of claims, captured images, documentation or requests via the Application do not constitute processing or validation of the information or guarantee of payment of claims or authorisation of procedures or medicine.

CONSENT
You consent to the collection, processing and use of your and your registered dependants personal information by the Fund as described in the Rules and the Privacy Policy.

You guarantee to the extent that it may be required by law that you have the necessary consent from your dependants to provide the consent as set out in this section on their behalf

Introduction
CAMAF trustees, committee members (trustee and non-trustee), the Chief Executive Officer (CEO) and all employees are required, under this Code of Conduct, to behave at all times in a way which upholds CAMAF’s commitment to the principles and practice of fairness, openness, integrity and accountability in all dealings with stakeholders.

The Code
The Code of Conduct requires that a trustee, committee member, the CEO and all employees must, in the course of performing any CAMAF function or duty:

1. 1. 1. Behave honestly and with integrity.
      2. Act with care and diligence.
      3. Treat everyone with respect and courtesy, and without any form of harassment.
      4. Comply with all applicable South African laws.
      5. Comply with any lawful and reasonable direction given by individuals who have authority to give such direction.
      6. Ensure where applicable, they maintain the right to work in South Africa. Should such status change, the head of HR needs to be informed with immediate effect.
      7. Maintain appropriate confidentiality about any dealings which contain sensitive information.
      8. Disclose and take reasonable steps to avoid, any conflict of interest (real or apparent).
      9. Not provide false or misleading information in response to a request for information.
      10. Not make improper use of:
          1. inside or confidential information; or
          2. any trustees’, committee members’ or the CEO’s duties, status, power or authority in order to gain or seek to gain, a benefit or advantage for an individual or for any other person.
      11. Disclose any gifts or entertainment events received and accepted (see paragraph 3 below).
      12. Act with integrity in the submission of all claims including time reports, expenses and meeting attendance.
      13. Protect intellectual property and data privacy.
      14. Act professionally in all types of communication with the media within the requirements of the approval framework.
      15. When on social media (Twitter, Facebook, Snap chat etc.) using the corporate account or using one of their own, they should remain prolific and professionally as not to bring CAMAF’s name in disrepute.

Confidentiality And Data Security
Employees agree and remain bound by all confidentiality and/or security agreements and policies and must therefore ensure the protection of proprietary company and customer information accessible from CAMAF’s Offices or when working from home their home office, or using their personal devices (i.e. cell phone, tablet etc.) to access CAMAF or CAMAF’s customer information.Steps include required security protocols, such as maintaining updated antivirus software, regular password maintenance, biometric access if available, locked file cabinets and desks to store sensitive information, and any other measures appropriate for the job and the environment of the designated workspace.

Gifts Policy
The Code of Conduct requires that the trustees, committee members, CEO and all employees and members of their immediate family should not accept any gift, favour or other personal material benefit from members, beneficiaries or member firms (or their officers or employees) or introducers of work to the Scheme or any other organisations or individuals, including suppliers to the Scheme, who may benefit or be seen to benefit from their relationship with the Scheme. The Scheme normally has no objection to trustees, committee members and employees accepting modest entertainment and hospitality in the form of food and drink or small gifts which are intended as compliments or tokens of personal regard, provided it has no impact on a trustee’s, a committee member’s or an employee’s independence and professional conduct. The following applies:

1. Pre-approval of gifts and hospitality in excess of R1 500.
2. Maximum gift and hospitality limit of R2 500.
3. Recording of all gifts in excess of R300 in the gifts register.

In the event of any doubt as to the appropriateness of the gift or hospitality in the case of CAMAF employees, a member of the Senior Executive Team should be consulted in advance; in the case of the CEO, trustees or committee members, the Chairperson should be consulted. The Chairperson will consult the Board if necessary.

The provision of gifts and hospitality to members, beneficiaries or member firms or introducers should be appropriate to the Scheme’s relationship with the recipient and should reflect the above principles.

Skills Enhancement
The Scheme recognises that:

1. It operates in a dynamic and competitive business environment with continued change in personal skill sets, legislative, regulatory, technology, medical, financial and economic environments and requirements.
2. Its trustees, committee members and CAMAF employees need to be constantly updated regarding activities of the healthcare industry, medical schemes, general business and economic conditions, their personal business knowledge and skill sets as appropriate to their role within the Scheme.
3. Its trustees and committee members are non-executives and have their own business activities. In this regard, they may do business with CAMAF suppliers by providing services and or products to or purchasing services and/or products from these suppliers.
4. Trustees, committee members and CAMAF employees are encouraged to attend conferences, workshops and update sessions appropriate for the strategic and operational functionalities of CAMAF.

Employees agree and remain bound by all confidentiality and/or security agreements and policies and must therefore ensure the protection of proprietary company and customer information accessible from CAMAF’s Offices or when working from home their home office, or using their personal devices (i.e. cell phone, tablet etc.) to access CAMAF or CAMAF’s customer information.

Steps include required security protocols, such as maintaining updated antivirus software, regular password maintenance, biometric access if available, locked file cabinets and desks to store sensitive information, and any other measures appropriate for the job and the environment of the designated workspace.

Thank you for viewing the information on this site. We hope your stay with us will be enlightening and beneficial. In order to ensure that there are no misunderstandings that could lead to possible disputes about your online dealings with us, we will appreciate it if you will read this disclaimer, which covers all interactions and transactions on this site.

The information appearing on these pages is made available without a representation or warranty whatsoever, whether expressed or implied. All the content on this site (for example, text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software) belongs to CAMAF, unless otherwise stated, and is duly protected by South African and international law. In addition, the compilation of all content on this site is the exclusive property of CAMAF or its site developers and accordingly protected by South African and international copyright laws, if applicable.

Except if permitted through prior arrangement and consent obtained in writing from CAMAF, no portion of this site may be copied or transmitted via any means available now or in the future.

Any unauthorised use, alteration or dissemination of the information or content on this site is prohibited.

In the event that you breach the copyright on this site, CAMAF will have the right to claim damages from you, which will include the right to claim special, incidental, consequential or indirect damages. CAMAF will also be allowed to claim for loss of profits and loss of business and to recover all legal costs on an attorney and client scale.

No content on this site should be regarded as granting any licence or right to use any trademark without CAMAF’s prior written permission.

CAMAF has made every effort to ensure that the most advanced technology is used to protect the information on this site. However, CAMAF cannot be held responsible for any consequences that may result from the unlawful breach of copyright or unlawful dissemination of information by third parties copying information off the site. If you suspect a breach or where a breach may have taken place and this comes to your knowledge, please contact us as soon as possible in order to rectify the issue.

All information regarding the products and services, including information in respect of their terms and conditions and any other information is subject to change without notice.

CAMAF accepts no liability whatsoever for any loss, whether direct, indirect or consequential, arising from information made available on these pages and actions or transaction resulting therefrom.

All prices quoted include VAT @ 15%.

The laws of the Republic of South Africa will govern all terms and conditions, of any products and services, contained in these pages. Should you apply for any products or services through our Internet Site, you hereby consent and submit to the jurisdiction of the South African courts in regard to all proceedings, actions, applications or the like instituted by either party against the other, and in any way arising from any stated terms and conditions. By viewing this site or registering any of your information with us, you agree to this disclaimer.

DEFINITIONS
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.

GENERAL
By using the website, you agree to be bound by the Website Terms. Please review them carefully before proceeding and/or acceptance.

DATA PROTECTION
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.

Any personal information of you and your dependants available on the website and which you supply to the Fund when using the website will be used by the Fund in accordance with the Rules and the Privacy Policy set out below and subject to legislation. By using the website, you guarantee that you have obtained the necessary consent from your registered dependants registered with the Fund to view and supply personal information pertaining to them.

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.

AMENDMENTS
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.

TERMINATION
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.

DISCLAIMERS
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.

CONSENT
You consent to the collection, processing and use of your and your registered dependants personal information by the Fund as described in the Rules and the Privacy Policy. You guarantee to the extent that it may be required by law that you have the necessary consent from your dependants to provide the consent as set out in this section on their behalf.

CONTENT
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.

OPERATION
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.

VIRUS
The Fund is unable to guarantee that:

1. the Website;
2. the information, content, tools or materials included on the Website;
3. the CAMAF servers; or
4. 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.

SERVICE
The Fund is fully committed to providing you with exemplary service. However, the Fund is not responsible for:

1. 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
2. any inaccurate, incomplete or inadequate information obtained from the Website supplied by you.
3. 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:

1. signing in as, or pretending to be, another person;
2. transmitting material that violates, or could violate, the intellectual property rights of others or the privacy of others;
3. 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
4. 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.

DISCLOSURE
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.