Terms and Conditions

Effective Date: 25/06/25
Company Name: Saintbury Life Pty Ltd
Registered Address: Eagle Canyon Office Park, 21 Jan Frederick Avenue, Randburg, Johannesburg, 2156, South Africa
Contact Email: info@saintbury.co.za
Phone: 081 603 7672

1. Introduction

These Terms and Conditions govern your access to and use of products and services provided by Saintbury Life Pty Ltd (“Saintbury”, “we”, “our”, or “us”). By applying for or using our funeral policy services, you agree to be bound by these Terms and Conditions.

2. Eligibility

To qualify for a Saintbury funeral policy:

• The main member must be a South African citizen or legal resident with a valid ID or passport.
  
• Members must meet the applicable age limits and premium payment criteria at the time of application.
  

3. Policy Activation

A funeral policy is activated:

• Upon successful completion of the application form.
  
• When the first premium is received and confirmed.
  
• Subject to underwriting criteria, if applicable.
  

4. Premium Payments

• Premiums are payable monthly in advance via debit order or approved payment methods.
  
• It is the client’s responsibility to ensure that sufficient funds are available.
  
• Failure to pay may result in policy lapsing or cancellation after a grace period of 31 days.
  

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5. Waiting Periods

• Natural Death: Waiting period of 6 months applies from the start date.
  
• Accidental Death: Covered immediately from the policy activation date.
  
• Extended family members may have longer waiting periods as specified in the policy schedule.
  

6. Benefits and Cover

• Funeral benefits are based on the plan selected, cover amount, and the premium paid.
  
• Benefits include funeral cash payouts only. We do not cover hospitalisation or medical bills unless explicitly stated.
  
• Cover ceases if the policy is cancelled or premiums are unpaid after the grace period.
  

7. Claims Process

• Claims must be submitted within 6 months of the date of death.
  
• Required documents include:
  
  • Certified copy of the death certificate
    
  • ID of the deceased
    
  • Proof of relationship (e.g., marriage certificate or affidavit)
    
  • Completed claim form
    
  • Banking details of the claimant
    
• Saintbury will assess and respond to claims within 48 business hours, and payment will be made once all documents are received and validated.
  

8. Policy Amendments

• Policyholders may request changes (e.g., adding/removing dependents) by submitting written notice to Saintbury.
  
• Any changes are subject to new waiting periods where applicable.

9. Cancellations and Reinstatements

• You may cancel your policy at any time by giving written notice.
  
• Lapsed policies may be reinstated within 3 months, subject to re-underwriting and payment of arrears.
  
• No refunds are payable on cancellation unless required by law.
  

10. Misrepresentation or Fraud

• Any false or misleading information may result in claim repudiation, policy cancellation, or legal action.
  
• Fraudulent claims will be prosecuted to the full extent of the law.
  

11. Limitation of Liability

Saintbury will not be liable for:

• Indirect or consequential losses.
  
• Delays due to incorrect or incomplete claim submissions.
  
• Non-payment of claims where terms, waiting periods, or policy requirements are not met.
  

12. Privacy and Data Protection

Your personal information is collected and processed in accordance with our Privacy Policy, the Protection of Personal Information Act (POPIA), and is used solely for service delivery, policy management, and communication. By accepting these terms, you consent to the use of your data for these purposes.

13. Communication

We will communicate important policy updates, reminders, or marketing via:

• SMS
  
• WhatsApp
  
• Email
  You may opt out of marketing communications at any time by notifying us.
  

14. Governing Law

These Terms and Conditions are governed by the laws of the Republic of South Africa. Any disputes will be resolved in accordance with South African legal procedures.

15. Amendments

Saintbury reserves the right to amend these Terms and Conditions at any time. Updated terms will be available on our website or communicated via your preferred contact method.

By applying for or continuing with a Saintbury policy, you confirm that you have read, understood, and agreed to these Terms and Conditions.