These Terms govern access to and use of My Personal Broker, a broker and client portal for insurance administration, client records, claims workflows, document handling, and related notifications.
By using the platform, a broker, staff member, assistant, or client confirms that they are authorised to use it and that they will use it only for lawful insurance administration purposes.
Platform role
My Personal Broker provides software tools for broker-client administration. The platform is not an insurer, underwriter, financial adviser, or claims decision maker.
Insurance advice, policy recommendations, client suitability, insurer selection, claims outcomes, and regulated financial services remain the responsibility of the relevant broker, brokerage, insurer, or authorised representative.
Broker and user responsibilities
Broker administrators are responsible for their workspace, invited users, sub-brokers, assistants, client records, insurer details, uploaded files, and all actions taken through accounts linked to their broker organisation.
Users must keep login credentials confidential, use only accounts assigned to them, enter accurate information, and avoid accessing data or features that they are not authorised to use.
Brokers are responsible for obtaining and keeping any client consent, mandate, FSP, FAIS, POPIA, insurer, or internal compliance authority required for the data and actions they perform in the platform.
Client registration and document signing
Clients must provide accurate registration details and use the broker relationship that applies to them. South African ID numbers are used for identity matching and are stored using protected handling in the platform.
A stored signature or initials asset is used only when the client opens an assigned document, confirms that they have read it, accepts the document terms, and deliberately taps to sign.
Electronic acknowledgements, document acceptance events, signature placement records, timestamps, and signed document records may be used as evidence of the client action taken in the platform.
Claims and insurer communication
Client claim submissions and policy amendment requests are administrative records sent through the broker workflow. The platform does not guarantee insurer acceptance, claim approval, claim turnaround times, or policy changes.
Email delivery depends on configured email providers, sender details, insurer claims addresses, internet services, and third-party systems. The platform records sending status where possible, but successful delivery is not guaranteed.
Availability and third-party services
The platform is provided on a reasonable-efforts basis. Availability may be affected by maintenance, network issues, hosting providers, Supabase, email providers, app stores, browser or device issues, or events outside the platform owner control.
To the maximum extent allowed by law, the platform owner is not liable for indirect loss, loss of profit, business interruption, insurer decisions, incorrect data entered by users, unauthorised account use, or third-party service failure.
Acceptable use and suspension
Users may not attempt to bypass access controls, scrape data, reverse engineer the application, upload malicious files, abuse public lookup flows, impersonate another person, or use the platform for unlawful or misleading communication.
Access may be limited, suspended, or removed where misuse, security risk, non-payment, unlawful activity, or material breach of these Terms is suspected.
Changes to these terms
The Terms may be updated as the product, legal requirements, hosting model, or operating processes change. Continued use of the platform after an update means the updated Terms apply from the published update date.