Please read the following Website Legal Notice carefully as it contains the Terms and Conditions of Usage of the First For Women Insurance Website, Webpages, Mobisite, or any part thereof (located at (the “Website”) owned by First For Women Insurance Ltd as well as other important legal notices applicable to the end user accessing the Website (“User”) or (“You”). You will be subject to the Website Legal Notice in force at the time that you use the Website. For the avoidance of doubt, the Website Legal Notice available on the Website at the time of each of Your Website usage sessions shall govern the relevant session. 





The User’s (Your) usage of the online services contained on the Website constitutes your acceptance of the Terms and Conditions of Usage contained below and your arising obligations towards FIRST FOR WOMEN INSURANCE. FIRST FOR WOMEN INSURANCE may amend these Terms and Conditions of Usage at any time by posting the amended Terms and Conditions on the Website. All amended terms shall automatically become effective immediately after they are posted on the Website and any subsequent site shall be governed by such amended terms. This agreement was last revised on 30 November 2014. You are advised to regularly check these Terms and Conditions for any amendments or updates.

Website enquiries

Phone: 0861 11 18 05; Email:

1.1. Enforceability: These Terms and Conditions shall apply to the fullest extent permissible by law. If any provision of these Terms is unlawful, void or unenforceable, that provision shall be deemed severable from these Terms and Conditions and shall not affect the validity and enforceability of the remaining provisions.

1.2. Usage: Unless otherwise specified, the Website is intended for your personal use only. You may not authorise others to use the Website, and you are responsible for all use of the Website by you. The Website is not intended for persons under the age of 18, and FIRST FOR WOMEN INSURANCE does not knowingly collect personally identifiable information from users under the age of 18.

1.3. Limited liability of FIRST FOR WOMEN INSURANCE: the user understands, acknowledges and agrees that usage of the website and reliance on the website content is at the discretion and risk of the user. FIRST FOR WOMEN INSURANCE, in its discretion, reserves the right at any time to change or discontinue any aspect or feature of the website, including, but not limited to: content, hours of availability and equipment needed for access or use of the website. FIRST FOR WOMEN INSURANCE shall attempt to maintain the availability and accessibility of the website; however, FIRST FOR WOMEN INSURANCE takes no responsibility for, and will not be liable for the website being temporarily unavailable or inaccessible for reasons beyond the control of FIRST FOR WOMEN INSURANCE.


1.4. No Warranty: The Website has not been tailored to any specific individual User’s requirements and is provided to the public as a whole; based thereon the information contained on the Website is provided by FIRST FOR WOMEN INSURANCE and/or its partners, affiliates, members, suppliers or agents without warranty of any kind, expressed or implied, including (but not limited to) any implied warranties of reliability, fitness for any particular purpose, timeliness, sequence, completeness, non-infringement of third party rights and/or freedom from errors or inaccuracies. FIRST FOR WOMEN INSURANCE makes all reasonable efforts to ensure that all material and information on this Website is correct but cannot represent or guarantee the accuracy thereof. As such, FIRST FOR WOMEN INSURANCE makes no warranties or representations as to the accuracy of the content, information, and materials contained in this Website which are provided to you, as is and as available.

1.5. Indemnification of FIRST FOR WOMEN INSURANCE: Subject to clause 1.1 above, You agreed to defend, indemnify and hold FIRST FOR WOMEN INSURANCE, its officers, directors, members, employees, agents, licensors, and suppliers harmless from and against any claims, damages, actions, losses and liabilities including without limitation: loss of profits, direct, indirect, incidental, special, consequential or punitive damages and any reasonable legal and/or accounting fees, resulting from, (i) the access to, use of, or browsing of this Website, (ii) downloading of any materials, data, text, images, video or audio from this Website, and/or (iii) viruses, bugs, software/program malfunctions, errors, failures, delays in computer transmissions or network connections.

1.6. Unauthorised Use of the Website: The User is permitted to use the Website for legitimate purposes only. Unauthorised use of the Website includes posting or transmission of data which violates or infringes in any way this Legal Notice or the rights of FIRST FOR WOMEN INSURANCE or third parties, uses which are unlawful, defamatory or otherwise objectionable or offensive in the discretion of FIRST FOR WOMEN INSURANCE or which constitutes advertising of goods or services in the absence of written approval from FIRST FOR WOMEN INSURANCE. Unauthorised use of this Website may give rise to FIRST FOR WOMEN INSURANCE instituting a claim for damages against You and/or You may be found guilty of a statutory and/or criminal offence and/or be liable for civil damages.

1.6.1. The caching of the Website shall only be allowed if: The purpose of the caching is to make the onward transmission of the content from the Website more efficient; The cached content is not modified in any manner whatsoever; The cached content is updated at least every 12 (twelve) hours; and The cached content is removed or updated when so required by FIRST FOR WOMEN INSURANCE.

1.7. Third Party Website Links: FIRST FOR WOMEN INSURANCE may include or provide links to third party websites on the Internet. Such websites may provide opinions, recommendations, or other information and services from various individuals, sponsors, organisations or companies. In providing such links, FIRST FOR WOMEN INSURANCE does not investigate the content of such information or services and does not endorse, guarantee, warrant, or recommend the accuracy and/or legality of such information, or subscribe to any such opinions or recommendations.

1.8. FIRST FOR WOMEN INSURANCE’s Website Links: The Website may also contain links to other distinct websites which are owned and run by FIRST FOR WOMEN INSURANCE or associated companies and contains, for instance, further information on other goods and services of FIRST FOR WOMEN INSURANCE. These links are provided for your convenience and for the purpose of providing additional information. Where applicable, your use of the linked FIRST FOR WOMEN INSURANCE website is governed by the usage terms applicable to that specific website and is not governed by the Terms and Conditions of this Website.

1.9. Use of FIRST FOR WOMEN INSURANCE’s Forums, and other social media communication platforms: Users may participate in discussions, contribute content to a discussion forum and blog or other social media communication platforms associated with the Website. You agree that the liability for such content rests with You, as the originating User. FIRST FOR WOMEN INSURANCE does not control, monitor nor enforce editorial control over any such content. FIRST FOR WOMEN INSURANCE does, however, retain the right but not the obligation to remove any material from any such forums, blogs, social media platforms which it deems inappropriate, is illegal, of an infringing nature, or is the subject of a complaint.

1.9.1. Users hereby license FIRST FOR WOMEN INSURANCE to publish, use, sub-license, distribute, amend, update and store material posted to the forum, blog or other social media communication platform; 


1.9.2. FIRST FOR WOMEN INSURANCE shall not be liable for any damage, loss, liability and/or harm incurred by any person if such harm to the User or third parties resulting from a User’s posting to such platforms; 

1.9.3. FIRST FOR WOMEN INSURANCE does not necessarily endorse, encourage or agree with comments, opinions, or statements posted on such platforms. Any content posted including advice and opinions, are the views and responsibility of those who post the statements and do not necessarily represent the views of FIRST FOR WOMEN INSURANCE.
1.9.4. Users waive all moral rights that may attach to material posted to such platforms.

1.10. Valuation tools, calculators, games and other features: The Website may contain or make available various tools, calculation devices, software programs, games or other similar features which assist you in calculating insurance policy premiums, levels of excess and other indices and information. FIRST FOR WOMEN INSURANCE shall not be liable for any errors or inaccuracies associated with the use or reliance on such tools etc. and it is the sole responsibility of you, the User to review and elect to use or rely on such tools, devices programs, games or other similar features.

1.11. Applicable Law, Domicilium, Jurisdiction and Arbitration:
1.11.1. The Website is hosted, controlled and operated from the Republic of South Africa and therefore this Agreement shall be governed by and be interpreted in accordance with the laws of the Republic of South Africa.
1.11.2. In the event of any legal dispute or action being brought in connection with this Agreement, it is agreed that the venue of such action shall be Johannesburg, South Africa and each party hereby consents to the jurisdiction of the courts thereof.
1.11.3. Without any restriction on Your rights to pursue legal recourse in the forum of Your choice, You agree that any dispute regarding this Agreement that cannot be resolved amicably, shall, with Your consent, first be referred to confidential arbitration in terms of the rules of the Arbitration Foundation of South Africa prior to proceeding to Court and such arbitration shall be conducted in English in Johannesburg.
1.11.4. FIRST FOR WOMEN INSURANCE confirms the domicilum citandi et executandi for all purposes associated with the FIRST FOR WOMEN INSURANCE Website, transactions pertaining to the Website, including the giving of any notice, the payment of any sum, the serving of any process, as follows:
1.11.5. Any notice by any party to FIRST FOR WOMEN INSURANCE which is transmitted by electronic mail and/ or facsimile to FIRST FOR WOMEN INSURANCE at the FIRST FOR WOMEN INSURANCE electronic mail addresses and/or facsimile addresses (as the case may be) shall be presumed, until the contrary is proven by FIRST FOR WOMEN INSURANCE, to have been received by FIRST FOR WOMEN INSURANCE on the date of successful and complete transmission thereof.
1.11.6. FIRST FOR WOMEN INSURANCE does not receive legal notice or accept the serving of documents attached to legal processes on the Company and/or Trustees by electronic mail.

1.12. Website Intellectual Property: This Website constitutes software and content (such as: images, text, animation, photos, video, graphics, music, sound and voice) that is the intellectual property of FIRST FOR WOMEN INSURANCE and/or various third parties and subject to the intellectual property laws of South Africa. Further and to the extent that FIRST FOR WOMEN INSURANCE does not own specific content, or such content falls within the public domain, FIRST FOR WOMEN INSURANCE may hold copyright in the selection, coordination, arrangement and enhancement of such information on the Website. No rights and/or licence to FIRST FOR WOMEN INSURANCE’s intellectual property or the intellectual property of third parties have been granted to You, unless otherwise indicated. The software and content may not be used in violation of the intellectual property rights of FIRST FOR WOMEN INSURANCE and/or such third parties as applicable. Without limitation on the prohibitions placed on the User, the User expressly agrees not to:
1.12.1. commercially exploit, reproduce, distribute, transmit, display, publish or broadcast any Website content without the prior written approval of FIRST FOR WOMEN INSURANCE or in the case of third party content, the owner of that content;
1.12.2. claim or convey ownership of Website content either in its entirety or otherwise; 1.12.3. modify the Website content for the purposes of reposting to other websites; WEBSITE LEGAL NOTICE FIRST FOR WOMEN INSURANCE October 2016

1.12.4. alter or remove any trademark, copyright or other notice from the Website content; including proprietary notices contained on any content;

1.12.5. copy or otherwise incorporate Website content or software into or store in any other website, electronic retrieval system, publication or other work in any form; and/or

1.12.6. frame the Website or any part of the Website.

1.13. Unsolicited Commercial Communications: You agree not to collect or use any Personal Information listed on the Website, pertaining to for example, Website users, contributors, members, clients and/or executives or advisors of FIRST FOR WOMEN INSURANCE for the purposes of transmitting and/or in any manner facilitating the transmission of unsolicited commercial communications.

1.14. Software and Equipment: It is the responsibility of the User to acquire and maintain, at his/her own expense, the necessary computer hardware, software, communication lines and Internet access accounts required to access the Internet and the Website and/or download content from the Website.



The following table contains further information on FIRST FOR WOMEN INSURANCE and represents the information that must be provided by Dial Direct Insurance Ltd to You in compliance with Section 43 of the South African Electronic Communications and Transactions Act. This section of the Website Legal Notice was last revised on 05 November 2012. You are advised to regularly check this section of the Website Legal Notice for any amendments or updates.


 Telephone: 0860 10 60 76; Email:

FIRST FOR WOMEN INSURANCE’s  physical address & telephone number: 1 Telesure Lane
Riverglen, Dainfern
+27 (0)11 489 4000
FIRST FOR WOMEN INSURANCE’s website address & email address: http://www.
Membership of any self-regulatory or  accreditation bodies to which FIRST FOR  WOMEN INSURANCE belongs or subscribes: Digital Media and Marketing  Association, Advertising Standards Authority, Financial Services  Board
Code of Conduct to which FIRST FOR  WOMEN INSURANCE subscribes and how  that code of Conduct may be accessed  electronically:


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