These Terms cover the My Personal Broker public website, operated by My Personal Broker (Pty) Ltd (registration number 2026/826785/07), and describe responsibilities associated with our broker-client administration software.
They are not an insurance policy, insurance mandate or completed paid-service agreement. Separate agreed service terms may govern software accounts, charges, cancellation and support.
Company and contact
Company: My Personal Broker (Pty) Ltd (registration number 2026/826785/07).
Business address: 2 Mowbray St, Newton Park, Gqeberha, 6045.
Website: https://www.mpbroker.co.za. Email: info@mpbroker.co.za.
Sending an enquiry does not establish an account, purchase, insurance mandate or insurance cover. Contact us by email; no business telephone number is currently provided.
Software, not insurance advice
My Personal Broker supplies software for broker-client administration. We do not provide insurance or financial advice, underwrite insurance, select cover for clients or decide claims.
Insurance advice, suitability assessments, policy recommendations, insurer decisions and regulated financial services remain with the relevant authorised broker, brokerage, insurer or representative. A software account is not proof of a broker licence: clients should verify their broker directly.
Website descriptions are not personal insurance advice. Follow your broker or insurer instructions for urgent claims, cover changes and deadlines; a website enquiry does not confirm an insurance transaction.
Authorised use and responsibilities
Use the website and service lawfully, provide accurate information, protect credentials and access only information and accounts you are authorised to use. Notify us promptly if you suspect misuse.
Brokers remain responsible for their regulatory authority, client mandates, lawful processing grounds, privacy notices, authorised staff, insurance instructions and recipients. These responsibilities do not remove our own obligations for processing, safeguards or conduct.
Do not impersonate others, bypass access controls, upload malicious material, unlawfully extract information or interfere with the service. Any restrictions must be proportionate to a substantiated breach or reasonably identified security or legal risk. Where lawful and practicable, an explanation and an opportunity to respond or remedy a breach should be provided. Restrictions do not extinguish statutory access rights.
Documents and electronic signatures
Only submit documents and instructions you are authorised to provide. Read documents before approving them and ask your broker or adviser about their insurance or legal effect.
Electronic acceptance records and signed documents may provide evidence of an action. Legal validity depends on the document, applicable law and signing method. Some transactions require an advanced electronic signature or other formalities; no universal legal-validity guarantee is given.
These Terms do not authorise us to sign for you, replace a required mandate or waive prescribed document formalities.
Availability and third-party services
Software access, notifications and transmission may be affected by maintenance, networks, devices, hosting and communication providers. Neither a software request nor an email status guarantees insurer receipt, claim acceptance, a policy change or a particular response time.
An enquiry form is not a checkout. Any applicable supplier disclosures and consumer rights must be provided before an electronic sale.
Responsibility and preserved rights
We do not accept responsibility for insurance decisions made independently by brokers or insurers. Responsibility for other loss depends on the facts, applicable law and any valid agreement; third-party involvement does not automatically excuse our own failure.
Nothing in these Terms excludes liability for fraud or gross negligence, removes a non-waivable consumer right, or limits a duty or remedy under POPIA or other applicable law. Any limitation applies only to the extent lawful and fair. These website Terms do not introduce a monetary liability cap.
Changes, complaints and governing law
Material changes should be communicated with reasonable notice, an identifiable version and an effective date. Changes are not retrospectively accepted merely by browsing; agreement must be obtained where required by law or an existing agreement.
Contact info@mpbroker.co.za about service complaints. Insurance advice or claim disputes should also be directed to the relevant broker or insurer and appropriate complaints body. Privacy complaints may be directed to the Information Regulator.
South African law governs these Terms, subject to mandatory protections. No compulsory arbitration, exclusive forum or waiver of the right to approach a competent court, regulator, tribunal or ombud is imposed.