Terms and Conditions
FinChoice a division of HomeChoice (Pty) Ltd is an authorised financial services provider (FSP no. 48448). Guardrisk Life is an authorised financial services provider. FinChoice a division of HomeChoice is a registered credit provider (NCRCP 454). FinChoice advocates responsible lending, therefore the granting of loans is at the sole discretion of FinChoice and the amount you qualify for depends on your individual circumstances.
- Policy document
This policy and all the benefits herein are underwritten by Guardrisk Life Limited, an insurer registered to issue Life insurance policies in terms of the applicable laws of the republic of South Africa.
In this policy words referring to the male gender shall include the female gender and words referring to the singular number shall include the plural number and vice versa.
- Eligibility clause
Insured life and spouse/partner 18 – 60 (eighteen to sixty) years of age at inception of cover.
Dependent child (maximum of 5 (five) of the insured life not older than 18 (eighteen) years
Parent of the insured life and spouse/partner (maximum 4 (four) parents, not older than 60 years of age at inception of cover and cover will cease when parent reaches the age of 85.
Extended family members 18 – 60 (eighteen to sixty) years of age at inception of cover.
Finchoice, a division of HomeChoice (PTY) Ltd (registration no 1985/002759/07 &
FSP No 48448).
An unforeseen event, which could not reasonably have been expected to occur and was not planned, resulting in bodily injury. The bodily injury must result in death within 31 days from the date of the bodily injury and must be caused directly and independently of all other causes by some external, violent, physical and visible means arising from such bodily injury and excludes death by any natural causes.
3.3 Accidental death
Means death arising from an accident and excludes natural death.
3.4 Online application form
The online form that the policy holder completes. This online form shall state the names of the persons to be insured and the selection of benefits to be paid to nominated beneficiaries in the event of a claim.
In respect of a registered insurer, means the person nominated by the Policyholder as the person in respect of whom the insurer should meet the policy benefits. The Policyholder can change the Beneficiary details by submitting a written request to finchoice (as appointed by Guardrisk) at any time. To ensure an efficient claims payment process, minor children cannot be nominated as beneficiaries on this policy. In an instance where any insured life passes away and not the Policyholder, the Policyholder life shall automatically be the Beneficiary. If the Policyholder passes away, then the nominated Beneficiary(s) shall receive the benefits.
3.6 Bodily injury
Shall mean injury resulting directly or indirectly from an accident and results in death.
3.7 Business day
Shall mean any day excluding a Saturday, Sunday or public holiday.
An unmarried dependent who is under 18 years of age unless dependent due to mental or physical incapacity (with no age limit) or unless enrolled as a full-time student at a registered tertiary institution until a maximum age of 21.
Shall mean, unless the context indicates otherwise, a demand for policy benefits by a Claimant in relation to this policy, irrespective of whether the claimant’s demand is valid by submitting a completed and signed claim form with supporting documentation to the Administrator.
3.10 Claim event
Shall mean the risk insured, occurring during the currency of this Policy, being the death of an insured.
Shall mean a person who makes a claim in relation to this policy.
3.12 Commencement date
The date that the insurance cover and waiting periods start and is effective. This date is stated in the Policy Schedule to this Policy.
Shall mean losses or risk events not covered under this Policy.
3.14 Extended family member
Shall mean other family members nominated by the policy holder to be covered under this policy. This will include brothers and sisters, aunts and uncles, and other blood relatives of the policyholder. A maximum of 8 (eight) extended family members can be covered under this policy. The maximum entry age for extended family members is 60 and cover will cease when they reach the age of 85.
Shall mean a registered long-term insurer, namely Guardrisk Life Limited – registration no 1999/013922/06 and FSP No 76.
3.16 Insured life
The person(s) named as such in the Policy Schedule who is/are a resident(s) of the republic of South Africa (RSA) residing in the RSA and in possession of a valid RSA identity document.
3.17 Natural death
Shall mean death that is not accidental death.
The Policy Holder’s parent (s) and or spouse’s parent (s) and shall include natural parents, stepparents, and legally adoptive parents of the Policyholder and/or spouse. The maximum number of parents to be covered is 4 (four). The maximum entry age is 60. Cover for parents will cease at age 85.
3.19 Personal information
The insured acknowledges and consents to the Administrator and Guardrisk processing his/her Personal information:
3.19.1 To enter into this Policy and for purposes of administering this Policy and complying with his/her instructions; and
3.19.2 For the purposes of the prevention and detection of fraud and criminal activities, the identification of the proceeds of unlawful activities and the combating of money laundering activities. The insured has the right to access his/her personal information held by the Administrator or Guardrisk, during office hours and within a reasonable time after receiving such a written request for access. The Administrator and Guardrisk will only keep the insured’s Personal information for as long as necessary or required by law. The Administrator or Guardrisk may transfer its rights or obligations under this Policy to a third party without the insured’s consent and without notice. In such event, the third party will then process the insured’s Personal information. The insured may update his/her Personal information at any time by calling the Administrator.
The individual who applied for the Policy who is also responsible for payment of the monthly premium and who is the main insured Life on this Policy.
In relation to a Claim, means any action by which Guardrisk rejects or refuses to pay a Claim, or any part of a Claim, for any reason, and includes instances where a Claimant lodges a Claim-
3.21.1 In respect of a loss event or risk not covered by this Policy; and
3.21.2 In respect of a loss event or risk covered by this Policy but the premium or premiums payable in respect of this Policy are not paid;
And ‘REPUDIATION’ shall have a corresponding meaning.
Partner or Spouse of the main insured either by means of a marriage or customary union recognized in terms of the laws of the Republic of South Africa, or in a union recognized as a marriage in accordance with the tenets of any religion, or in a permanent same-sex or heterosexual civil union. Cover is limited to 1 (one) nominated spouse per policy.
3.23 Sum insured
The amount of insurance cover for each person insured under this Policy. The amounts are stated in the Policy Schedule.
Shall mean any act resulting in a change to –
3.24.1 The premium;
3.24.2 Any term;
3.24.3 Any condition;
3.24.4 Any policy benefit;
3.24.5 Any exclusion; or
3.24.6 The duration of this policy,
And ‘vary’ and ‘variations have a
3.25 Waiting period
Shall mean a period during which a Policyholder and his/her spouse and Children are not entitled to Policy benefits and is the period of 6 (six) months commencing from the Commencement Date and which is applicable for Natural Death. A waiting period of 6 (six) month commencing from the commencement date which is applicable for Natural Death for any Extended family member. Once this period has passed, death due to Natural Causes will be covered. There is no waiting period for Accidental Death.
A waiting period will not be applicable in the following instances:
Where an insured Life was covered on a similar Policy with another insurer at least 31 days prior to the Commencement Date of this Policy and the waiting period on the alternate Policy had already expired and where such alternate Policy is being replaced by this Policy. If the alternate Policy is not being replaced with this Policy, then the waiting period will not be waived; where this Policy lapses and is reinstated within 90 days and the waiting period applicable on this Policy has already expired.
Where a waiting period on a previous Policy held 31 days prior to the Commencement Date of this Policy has not yet expired, the remaining term of the waiting period will apply. Where this Policy lapses during the waiting period and is reinstated within 90 days of the date of lapse, the balance of the waiting period not yet completed will still apply.
Where the Family, and/or Parent option and/or Extended Family option has been selected after the Commencement Date of the Policy and where the applicable additional premiums have been paid, the waiting period for any Claim relating to the Spouse, Children, Parents and/or Extended family members will commence from the date that the Spouse, Children, parents and/or Extended Family Members were captured.
- The benefit amount
Refer to the contract.
- The payment of the benefit
(5.1.1 – 5.1.3 Refers to family funeral only)
5.1.1 The maximum sum insured payable for children aged between 6 and 13 years will be R30 000.
5.1.2 The maximum sum insured payable for Children aged between 14 and 18 years will be R50 000.
5.1.3 The maximum sum insured payable for Children aged between 19 and 21 years who are enrolled as a full-time student at a registered tertiary institution will be R50 000.
5.2 In the event of the death of the Insured Life and subject to the waiting period and the terms and conditions of this Policy, the settlement of the benefit will be to the latest beneficiary nominated by the Policyholder. It is important that the Policyholder informs the Insurer should there be a need to amend the Beneficiary nomination. The Beneficiary nominated must notify the insurer or their appointed Administrator within six months of the occurrence of the Claim Event, otherwise no claim will be entertained unless there are extenuating circumstances for the late Claim submission.
5.3 The settlement of any claim is always subject to the insurer receiving the following documentation:
5.3.1 A certified copy of the death certificate;
5.3.2 A certified copy of the claimant’s identity document;
5.3.3 A fully completed death claim form signed by the
5.3.4 Any other evidence that the insurer may require.
5.4 Please contact FinChoice on 0861 346 246 or send an email to firstname.lastname@example.org to make a claim
- Added cash benefit
An additional R2,000 cash benefit will be paid out with the cover amount in the event of a successful claim and is only applicable to the family funeral option
- Circumstances under which no benefit will be paid (exclusions)
7.1 No benefit will be paid if the cause of death is because of either suicide, or circumstances under which the insured life brought about his own death, within twelve months from the commencement date of this policy
7.2 No benefit will be paid if the cause of death of any insured life listed in the policy schedule is because of natural causes within six months from the commencement date of this policy unless proof of prior cover on an alternate policy with another insurer is provided and such alternate policy was replaced with this policy
the premium is due in advance, if it is not received by the insurer by the due date, a period of 90 (ninety) consecutive days (the grace period) or 4 missed premiums over a 6 month period will apply in which the policyholder can pay in the arrears, failing which, if by the end of the grace period the due premium has not been paid, a double premium will be deducted in the following month for the policy to remain in force. Should this double deduction not be paid, this policy will automatically lapse and its insurance over shall end at midnight on the last day of the last month for which a full premium has been received. If there is an outstanding premium at the date of a claim event, such outstanding premium will be deducted from any benefit payable on approval of a valid claim.
8.1 the initial premium shall be guaranteed for a period of 12 (twelve) months after which the premium will be reviewed annually. Any changes to the premium will be communicated to the policyholder at least 31 (thirty-one) days prior to the change taking place.
8.2 the premium rate will automatically increase when the policyholder moves into a new age band and notification of such premium change will be communicated to the policyholder 31 (thirty-one) days prior to the change taking place.
8.3 the due date for every premium is the date you are paid. if you are paid on a weekend or on a Monday, we will raise the debit order on the preceding business day. if you are paid on a public holiday, we will raise the debit order on the business day preceding the public holiday. if you are paid on the 1st of the month, we will raise the debit order on the 30th of the preceding month. if you are paid on the 31st of the month, we will raise the debit order on the 31st of the month. if during December you are paid earlier than usual, and you agree that we may track the payment and raise the debit order at any time from the 10th of December, we will do so unless you notify us of your exact December pay date.
8.4 finchoice uses the non-authenticated early debit order (naedo) system and may track your bank account to determine whether sufficient funds are available.
8.5 you must notify us immediately if your bank account details or your pay date changes and we will be entitled to change your debit order details to collect in terms of this policy agreement.
8.6 if premiums, in whole or in part, are in arrears, and a claim event occurs, the benefit amount will be reduced by the arrear amount, provided the policy has not yet lapsed.
8.7 premium payments do not accrue a value and each paid premium is used to cover the risk for the month in which it is paid.
- Cooling-off period:
Where no Claim has been instituted in terms of this Policy or where no right has accrued to institute a Claim, you may, within 31 (thirty) days of receipt of this document, cancel your policy by contacting the Administrator (as appointed by the Insurer) and inform them of the cancellation in writing. Such cancellation shall be subject to the Credit Provider’s written approval of the cancellation of the Policy and the cession. All premiums paid during this 31 (thirty-one) day review period shall be refunded by Guardrisk to you.
This Policy will be cancelled with immediate effect if any Claim is fraudulent in any way or if any connivance is used by an Insured Life or by any person acting on behalf of an insured life, at any time, or where fraudulent means is used to obtain a Benefit. In such instances of cancellation, all premiums paid will be forfeited.
The Insurer may immediately cancel this Policy or place it on hold, refuse any transaction or instructions, or take any other action considered necessary in order to comply with the law and prevent or stop any undesirable or criminal activity.
- Reinstatement of lapsed benefits
Where the Policy has lapsed, a request to reinstate benefits must be made to the Insurer in writing. The Insurer reserves the right to either accept or decline reinstatement of this Policy.
- Termination of the policy
This Policy shall terminate on the earliest of:
12.1 The Death of the Policyholder;
12.2 The written request for cancellation by the Policyholder giving 1 (one) calendar month notice from the date of the request. Such cancellation request made after the initial cooling-off period will not attract a refund of any premiums paid;
12.3 The lapse of this Policy shall occur in Terms of the Clause under the “premium” section of this policy;
12.4 The written confirmation of cancellation by the insurer 31 days prior to the effective date of cancellation to the last known recorded postal or email address or cell phone number on our system.
- Rights of the insurer
The insurer may immediately cancel this Policy or place it on hold, refuse any transaction or instructions, or take any other action we the insurer considers necessary in order to comply with the law and prevent or stop undesirable or criminal activity.
The Policy holder must notify the Administrator as soon as possible should there be a change of address, change to bank details, change to any personal details or change to the nominated Beneficiary.
- Law and currency
This Policy shall be subject to the laws of the Republic of South Africa. All amounts paid to or from this Policy will be in the lawful currency of the Republic of South Africa and into a South African bank account only.
- The correctness of statements made to the
insurer / misrepresentation
16.1 The insurer relies on the truth, completeness and correctness of all statements submitted. Should any benefits have been paid out on the basis of the information provided to the insurer by a Claimant, and such information subsequently proves to be incorrect in any material respect, the insurer shall have the right to take such steps as may be required to put it in the position it would have been in if the correct information had been provided in the first instance.
16.2 If any Claim under this Policy is in any way misrepresented or any fraudulent means are used by you or anyone acting on your behalf to obtain any benefit under this Policy or if any of the events insured against are occasioned by your intentional act, or with your connivance, all benefits under this Policy and all premiums paid in terms of the Policy will be forfeited and the Policy will be voidable at our option. Appropriate action will be taken as deemed necessary by FinChoice/Guardrisk.
- Surrender and assignment
This Policy acquires no surrender, paid up or loan value and it cannot be assigned. The Policy may also not be pledged as security for a loan or debt.
- Policy amendments:
Guardrisk reserves the right to amend, add or change the terms and conditions of this Policy by giving one month’s written notice to the Administrator of its intention to do so. Any variations and or changes including any premium rate adjustment, will be binding on both the Insurer and the Policyholder and can be applied at any time to the existing terms and conditions after written communication of these changes has been sent by the Administrator to the Policyholder’s last known address (including email) as it appears in their records at that time.
Commission of 5% and a Binder Fee of 9% of the total monthly premium is payable to FinChoice. All fees are included in the monthly premium.
- Contact details
20.1 Should the Policy Holder or any Claimant have any queries, claims, change of address, change of bank details, change of Beneficiary or Complaints of any nature, please contact FinChoice on the details below.
20.2 FinChoice a division of HomeChoice (PTY) Ltd is a private company with limited liability, bearing registration no. 1985/002759/07 (Hereinafter referred to as “Binder Holder” or the “Provider”).
20.3 Physical address: 78 Main Road, Wynberg, 7800
Postal address: Private Bag X150,
Telephone: 0861 346 246
20.4 Facsimile: 021 680 8260
20.5 Email: info@finchoice.Co.Za
- The insurer
Guardrisk Life Limited, The Marc, Tower 2,
129 Rivonia Road, Sandton, 2196
Telephone: 011 669 1000
Please note that both FinChoice and Guardrisk subscribe to the treating customers fairly (TCF) outcomes:
We have created a superior solution – encompassing products, processing and service – tailored to each of our customers’ requirements. We will, always, deliver a superior customer experience, simplifying and improving both our clients and their customers’ lives. We will achieve this through a motivated team of skilled people, absolute fairness in our treatment of our clients and partners and complying with the principles and outcomes of treating customers fairly. These are:
21.1 You are confident that your fair treatment is key to our culture
21.2 Products and services are designed to meet your needs
21.3 We will communicate clearly, appropriately and on time.
21.4 We provide advice which is suitable to your needs and circumstances
21.5 Our products and services meet your standards and are of an acceptable level
21.6 There are no barriers to access our services or to lodge any complaints.
22.1 Please notify FinChoice first, this is then escalated to the Insurer and only if we both are unable to resolve your Complaint satisfactorily may you escalate to one of the Ombudsman scheme’s listed below.
22.2 Guardrisk Life’s Complaints Department:
22.3 Guardrisk life’s compliance department
Tel: 011 669 1039
22.4 Of the Ombudsman who is available to advise you in the event of Claims problems that are not satisfactorily resolved by the Binder Holder and/or the insurer-
The ombudsman for Long-Term Insurance
Private Bag X45, Claremont, Cape Town, 7735
Tel: (021)6575000/0860 103 236
Fax: (021) 674 0951
Of the Financial Advisory & Intermediary Services (FAIS) Ombudsman (in respect of complaints about the selling of the insurance product by the Binder Holder or Guardrisk)
Registrar of Long term Insurance (if any complaint to the binder holder or Guardrisk is not resolved to your satisfaction)
Registrar of Long Term Insurance
Financial Sector Conduct Authority
P O Box 35655, Menlo park, 0102
Tel: (012) 428 8000
Fax: (012) 347 0221
- Disclosure Notice
Long-term Insurance Policyholder Protection Rules 2017 (PPRs) Financial Advisory and Intermediary Services (FAIS) General Code of Conduct 2008
Your Intermediary Business Name:
Finchoice, a division of HomeChoice (Pty) Ltd
Registration number: 1985/002759/07
Physical address: 78 MAIN ROAD
Postal address: Private Bag X150,
Telephone: 0861 346 246
Website: www.homechoice.co.za FAIS registration (FSP No): FSP 48448
In terms of the FSP license, FinChoice, a division of HomeChoice (PTY) Ltd is authorised to give [Intermediary Services and/or Advice] for
• Long-Term Insurance subcategory A • Short-Term Insurance Personal Lines • Long-Term Insurance subcategory B1 • Long-term insurance subcategory B2 • Long-term Insurance subcategory B2-A • Long-term Insurance subcategory B1-A • Short-term Insurance Personal Lines A1
Without in any way limiting and subject to the other provisions of the Services Agreement/Mandate, HomeChoice (PTY) Ltd accepts responsibility for the lawful actions of their representatives (as defined in the Financial Advisory and Intermediary Service Act) in rendering financial services within the course and scope of their employment. Some representatives may be rendering services under supervision and will inform you accordingly
Legal and contractual relationship with the Insurer: FinChoice is a binder holder of Guardrisk Life Limited, an authorised Financial Services Provider and underwriter of this plan
Professional Indemnity and/or Fidelity
FinChoice, a division of HomeChoice (Pty) Ltd has a Professional Indemnity Cover and a Fidelity Guarantee Cover in place.
Intermediary Guarantee Facility:
Finchoice, a division of HomeChoice (Pty) Ltd has a Intermediary Guarantee Facility in place.
- Claims Procedure
The process that a claim will follow at the Company:
• Claim received from claimant via Telephone, email or fax channels
• Lodging of claim by Company’s claims department on the internal system
• Communication to acknowledge receipt of claim sent to claimant when the claim is lodged
• Claim notification and documents reviewed (one full working day)
• Any outstanding or additional information and documentation requested by claims handler from claimant or relevant party
• Assessment of claim, decision making and oversight (48-hour Assessment and
• Insurer response to client with claim outcome
• Claim outcome communicated to the claimant (within 1 full working day of decision)
• Escalation to follow where applicable time lines are exceeded to management and the Insurer or claimant is dissatisfied with the outcome.
- Complaints Procedures:
Complaints can be submitted telephonically or in writing to the below:
Telephone: 0861 346 246
Postal Address: Private Bag X150, Claremont, Cape Town 7735, South Africa
The complaint must contain the following information:
• Name, surname and identity number of the customer;
• Name, surname and contact details of the complainant, including a mandate to
• act on behalf of the customer;
• Specific details of the complaint, including dates, examples, supporting documentation;
• Intended resolution of the complaint. How would the customer want the matter resolved?
- Compliance Officer:
FinChoice’s Compliance officer is Moonstone Compliance and their contact number is
021 883 8000
- Conflict of Interest:
Finchoice, a division of HomeChoice (Pty) Ltd has a conflict of interest management policy in place and is available to clients on the website.
- Your Insurer
Business Name: Guardrisk Life Limited
Registration number: 1999/013922/06
Physical address: The Marc, Tower 2,
129 Rivonia Road, Sandton, 2196
Postal address: PO Box 786015, Sandton, 2146
FAIS registration: FSP 76
In terms of the FSP license, Guardrisk Life Limited is authorised to give advice and render financial services for products under:
• Long-term Insurance : Category A
• Long-term Insurance : Category B1
• Long-term Insurance : Category B2
• Long-term Insurance : Category C
- Professional Indemnity and/or Fidelity Cover:
Guardrisk has a Professional Indemnity Cover and a Fidelity Guarantee Cover in place.
Fax Number: +27-11-675-3826
Telephone: 0860 333 361
- Conflict of Interest :
Guardrisk Life Limited has a conflict of interest management policy in place and is available to clients on the website.
- Policy Wording
A copy of the policy wording can be obtained from https://www.finchoice.co.za/tcs/
Manner of payment of premium:
Due date and frequency (e.g. of frequency annually/quarterly / monthly): Premiums are to be paid monthly in advance. The due date for every premium is as detailed on the application form. The period of grace allowed for payment of the premiums is 31 days commencing from the due date
- Consequence of non-payment:
If the premiums are not paid by the expiry of the grace period, the policy will lapse, and all benefits will automatically cease. No claim will be accepted if the Claim Event date occurs after the date of lapse.
The initial premium shall be guaranteed for a period of 12 (twelve) months after which the premium will be reviewed annually. Any changes to the premium will be communicated to the Policyholder at least 31 (thirty-one) days prior to the change taking place.
The premium rate will automatically increase when the Policyholder moves into a new age band and notification of such premium change will be communicated to the Policyholder 31 (thirty-one) days prior to the change taking place.
Commission fee: 5%
Binder fees: 9%
Where applicable, the fact that the Intermediary – both of these must be added here and below at the underwriter – for the first you have to say you no not hold, directly or indirectly any interest in any insurer. For the 30 percent you need to state: We received more than 30 % of our remuneration from GR.
FinChoice does not hold more than 10% of the relevant product supplier’s shares, or has any equivalent substantial financial interest in the insurer.
During the preceding 12 month period we received more than 30% of total remuneration, including commission, from the insurer.
Where applicable, the fact that the Underwriting Manager – does not hold more than 10% of the relevant product supplier’s shares, or has any equivalent substantial financial interest in the insurer. During the preceding 12 month period received more than 30% of total remuneration, including commission, from the insurer.
- Cooling Off Rights
If any of the information reflected above and below was given to you orally, this disclosure notice serves to provide you with the information in writing. Should you not be satisfied with the policy, you are entitled to a period up to 31 days from date of receipt of the policy within which you may cancel your policy in writing at no cost. Cover will cease upon cancellation of the policy.
All premiums paid by the policyholder to the insurer up to the date of receipt of the cancellation notice will be refunded to the policyholder
- Other matters of importance
You will be informed of any material changes to the information about the intermediary, insurer and or underwriter provided above.
If we fail to resolve your complaint satisfactorily, you may submit your complaint to the Ombudsman of Long-Term Insurance
You will always be given a reason for the repudiation of your claim.
If the insurer wishes to cancel your policy, the insurer will give you 31 days written notice, to your last known address
You will always be entitled to a copy of your policy at no extra charge.
Where applicable, call recordings will be made available to you within 7(seven) days of request.
Don’t be pressurised to buy the product.
Failure to provide correct or full relevant information may influence an insurer on any claims arising from your contract of insurance.
- Waiver of Rights
No insurer and/or underwriting manager and/or intermediary may request or induce in any manner a client to waiver any right or benefit conferred on the client by/or in terms of any provisions of the The general code of conduct under the FAIS act or recognise, accept or act on any such waiver by a client. Any such waiver is null and void.
All information obtained or acquired from or about you shall remain confidential unless you provide written consent, or unless HomeChoice is required by law to disclosed such information.
- Particulars of the Long Term Ombudsman
(For claims/service related matters)
Postal address: Private Bag X45, Claremont, Cape Town, 7700
Telephone: +27-21- 657- 5000 /
0860 103 236
Fax number: +27-21- 674- 0951
Email address: email@example.com
- Particulars of the Registrar of Long Term Insurance
Postal address: PO Box 35655, Menlo Park, 0102
Telephone: +27-12- 428-8000
Fax number: +27- 12- 347- 0221
Email address: firstname.lastname@example.org
- Particulars of FAIS Ombudsman
(For product/advice related matters)
Postal Address: PO Box 74571,
Lynnwood Ridge, 0040
Telephone: +27- 12- 470- 9080
Fax number: +27- 12- 348- 3447
Email address: email@example.com