Last Updated: April 18, 2025
Welcome to Hambacompare. These Terms of Service ("Terms") govern your use of the Hambacompare website and services (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Service.
We reserve the right to modify these Terms at any time. We will alert you about any changes by updating the "Last Updated" date of these Terms. Any changes or modifications will be effective immediately upon posting the updated Terms on the Service. You are encouraged to periodically review these Terms to stay informed of updates.
Hambacompare is an insurance comparison service that allows users to compare insurance quotes from various providers in South Africa. Our Service enables you to submit your insurance requirements once and receive multiple quotes from different insurance providers.
We do not provide insurance directly or act as a broker. Hambacompare is a platform that collects information from customers and passes it on to the insurance providers that the customer specifically selects to proceed with. The actual insurance policies and any financial advice are provided by the insurance companies, not by Hambacompare. We are not authorized financial advisors and do not provide any financial or insurance advice.
When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.
You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
By using our Service, you agree to:
Hambacompare partners with various insurance providers to offer you multiple quotes. However, we do not guarantee:
The final decision to provide insurance coverage rests solely with the insurance providers. The quotes you receive through our Service are subject to verification by the insurance providers and may change based on additional information they may require.
Your privacy is important to us. Our Privacy Policy, which is incorporated into these Terms by reference, explains how we collect, use, and protect your contact information. By using our Service, you consent to the collection and use of information in accordance with our Privacy Policy.
We comply with the Protection of Personal Information Act (POPI Act) of South Africa. For more information about how we adhere to the POPI Act, please refer to our POPI Act Compliance page.
The Service and its original content, features, and functionality are and will remain the exclusive property of Hambacompare and its licensors. The Service is protected by copyright, trademark, and other laws of both South Africa and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Hambacompare.
Our Service may contain links to third-party websites or services that are not owned or controlled by Hambacompare. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Hambacompare shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
In no event shall Hambacompare, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if Hambacompare has been advised of the possibility of such damage.
Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.
Hambacompare does not warrant that:
These Terms shall be governed and construed in accordance with the laws of South Africa, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will immediately cease.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.
If you have any questions about these Terms, please contact us at:
Hambacompare
Email: [email protected]