Terms & Conditions

1. Definitions

In these Terms and Conditions:

• "Company", "we", "us", or "our" refers to Calibre Capital Partners (Pty) Ltd, a Licensed Financial Services Provider (FSP No: 55214)
• "Website" refers to https://www.calibrecapital.co.za and all related pages
• "User", "you", or "your" refers to any person accessing or using our website
• "Services" refers to insurance products, guarantees, and related services offered by the Company
• "Policy" refers to an insurance contract issued by or through the Company
• "Personal Information" has the meaning ascribed to it in the Protection of Personal Information Act 4 of 2013 (POPIA)

2. Use of Website

By accessing and using this website, you warrant that:

• You are at least 18 years of age and have legal capacity to enter into binding contracts
• You are accessing the website from within South Africa or a jurisdiction where such access is lawful
• You will use the website only for lawful purposes and in accordance with these Terms
• You will not use the website in any way that could damage, disable, overburden, or impair the website
• You will not attempt to gain unauthorized access to any part of the website or its systems
• You will not use any automated means to access the website without our express written permission

3. Financial Services Provider Status

Calibre Capital Partners (Pty) Ltd is an authorized Financial Services Provider licensed by the Financial Sector Conduct Authority (FSCA) under FSP Number 55214. We are also registered with the National Credit Regulator (NCR CP 22666).

Our services are regulated by various laws including:

• Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS Act)
• Protection of Personal Information Act 4 of 2013 (POPIA)
• Long-term Insurance Act 52 of 1998
• Short-term Insurance Act 53 of 1998
• National Credit Act 34 of 2005
• Financial Intelligence Centre Act 38 of 2001 (FICA)
• Prevention of Organised Crime Act 121 of 1998 (POCA)

4. Insurance Services

4.1 Quotes and Premiums

All quotes provided through our website are estimates only and are subject to:

• Full risk assessment and underwriting approval
• Verification of information provided
• Acceptance by the relevant insurer
• Payment of the required premium
• Compliance with all policy terms and conditions

The premium calculator on our website provides indicative estimates only. Final premiums may differ based on individual risk profiles, project specifics, and insurer pricing.

4.2 Policy Terms

All insurance policies are subject to the specific terms, conditions, exclusions, and limitations set out in the policy wording issued by the insurer. It is your responsibility to read and understand these terms before accepting any policy.

4.3 Disclosure Obligation

When applying for insurance, you have a duty of utmost good faith to disclose all material facts that could influence the insurer's assessment of the risk. Failure to disclose material information may result in:

• Rejection of claims
• Voiding of the policy
• Forfeiture of premiums paid
• Legal action for fraud

5. Guarantees and Bonds

Our guarantee and bond services are subject to additional terms including:

• Credit assessment and approval
• Security requirements (where applicable)
• Specific guarantee terms and conditions
• Counter-indemnity agreements
• Applicable fees and charges

Free Bid Bonds: Complimentary Bid Bonds and Letters of Intent are offered to qualifying contractors subject to credit approval and meeting our qualifying criteria. We reserve the right to decline any application at our sole discretion.

6. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of Calibre Capital Partners (Pty) Ltd or its content suppliers and is protected by South African and international copyright laws.

You may not:

• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the website without express written permission
• Use our trademarks, logos, or branding without prior written consent
• Create derivative works from any content on this website
• Systematically extract data or data fields from the website

7. Limitation of Liability

To the maximum extent permitted by law, Calibre Capital Partners (Pty) Ltd shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Any inaccuracies or errors in information provided on the website
• Any technical issues, viruses, or malware affecting your devices
• Any third-party content or websites linked from our website
• Any delay or failure in performance beyond our reasonable control

Our total liability for any claim arising from the use of this website or our services shall not exceed the amount paid by you to us in the 12 months preceding the claim, or R10,000, whichever is less.

8. Indemnity

You agree to indemnify, defend, and hold harmless Calibre Capital Partners (Pty) Ltd, its directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with:

• Your access to or use of the website
• Your violation of these Terms and Conditions
• Your violation of any third-party rights
• Any information or content you submit to the website

9. Privacy and Data Protection

Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our website, you consent to the collection, use, and processing of your personal information as described in the Privacy Policy.

10. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by Calibre Capital Partners (Pty) Ltd. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

11. Termination

We may terminate or suspend your access to our website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms and Conditions.

All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of South Africa. Any dispute arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of South Africa.

13. Dispute Resolution

In the event of any dispute arising from these Terms or our services:

1. The parties shall first attempt to resolve the dispute through good faith negotiation
2. If negotiation fails, the dispute may be referred to mediation
3. If mediation fails, either party may refer the dispute to arbitration or litigation
4. Consumers may also lodge complaints with the Financial Sector Conduct Authority (FSCA) or the Ombudsman for Short-Term Insurance

14. Complaints

If you have a complaint about our services, please contact us using the details below. We are committed to resolving complaints fairly and promptly.

15. Changes to Terms

We reserve the right to modify or replace these Terms and Conditions at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the new Terms.

Material changes will be notified via email or a prominent notice on our website prior to the change becoming effective.

16. Severability

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be severed and the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any specific policy terms, constitute the entire agreement between you and Calibre Capital Partners (Pty) Ltd regarding the use of our website and services, superseding any prior agreements.

18. Waiver

Our failure to enforce any right or provision of these Terms shall not be considered a waiver of such right or provision. A waiver shall only be effective if in writing and signed by an authorized representative of Calibre Capital Partners (Pty) Ltd.

19. Contact Information

For any questions about these Terms and Conditions, please contact us: