Terms of Use

By using the aynjil.com website these Terms of Use apply to you and you agree to comply with the terms of Use. Please read these Terms of Use before using the aynjil.com website.

Important information

The terms of use set out below apply to the website aynjil.com and all other assets owned by Aynjil.

By using the aynjil.com website, you agree to comply with the Terms of Use. The Terms of Use may change from time to time and the terms displayed at the time that you use the website will govern your use of the website.

Nature of website contents

Information contained on the website aynjil.com is intended to serve as general information on the chosen subjects and not as an exhaustive treatment of those subjects.

Calculations which may be displayed on the website are intended for the convenience of clients, may be approximations, and are intended only as guidelines. Should you wish to rely on any calculation, you are advised to check the calculations before using them as Aynjil will not be liable for any inaccuracies in the calculations.

Subscribing to our service and buying our product through the website is subject to Aynjils contractual terms and conditions, and applicable legislation.

Links to third party websites are provided for convenience only, and may be discontinued at any time. The fact that Aynjil provides a link to a third party website does not necessarily mean that Aynjilendorses, authorises, or sponsors that website, or that Aynjils affiliated to such website’s owners or sponsors.

The content or information displayed on a Aynjil website or any third party website which may be accessed through links provided on the Aynjil website is not intended as advice “unless stipulated” but merely as information. Before making any decision or taking any action based on any information displayed on the Aynjil website or any such third party website that may affect your personal finances or business, it is recommended that you first obtain appropriate professional advice.

Visitors from foreign countries

Use of the Aynjil website or the purchase of services or products from the country from which you may access the website may be illegal in that country. Your use of the website for any purchase that you may make is entirely at your own risk. It is recommended that you ensure that use of the Aynjil website for any purchases made by you are not in violation of the laws of any country by which you may be governed.

Aynjil’s services and products may not be available in your country. Contact us at help@aynjil.com

Invitation to do business

Unless indicated in writing by Aynjil, nothing on the Aynjil website shall constitute an offer for sale of any service or product.

The information provided on the Aynjil website is not, nor must you regard it as financial or investment advice.

If you wish to use the information displayed on the website to purchase any service or product or procure financial or investment advice from Aynjil, your request to do so shall be regarded by Aynjil as an offer to do business with Aynjil, which may be accepted by Aynjil if it chooses.

The acceptance of your offer will be subject to terms and conditions governing the service or product at the time of the acceptance of the offer.

The responsibility for ensuring compliance with any laws or regulations which may apply to you, remain exclusively yours and in making an offer you are deemed to have indemnified Aynjil (held Aynjil harmless and agree to reimburse Aynjil) against any loss or damage that it may suffer arising from your breaking any laws applicable to you.

Restricted use

Unless otherwise indicated in writing, all information, products, and services displayed on or accessed through the Aynjil website are for your personal and non-commercial use only. You may not:

  • Reproduce, modify, or create derivative works from; publish, distribute, transmit, or display; or license or transfer any of the content displayed on the website – unless you have Aynjil’s prior written authorisation;
  • Decompile, reverse engineer, or disassemble the website, a linked website, or any software employed in the display or operation of the website;
  • Post on or transmit to the website content of an unlawful nature, for example: (a) content that is threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane; or (b) content that could damage Aynjils image or impair its ability to do business;
  • Use the website in a manner that could damage, disable, overburden, or impair any Aynjil server (computer), or network connected to any Aynjil server, or interfere with any other party’s use of the Aynjil website;
  • Interfere with any content displayed on the Aynjil website or attempt or gain unauthorised access (without Aynjil’s written consent) to the information displayed on the website to which you may not be authorised, or to any secure area on the website, a Aynjil server or any other part of the Aynjil information system. Any attempt, whether successful or unsuccessful, to interfere with the information displayed on the Aynjil website or to gain access to information or any part of the Aynjil information system to which you are not authorised, is unlawful and is an offence in terms of the provisions of Section 86 of the Electronic Communications and Transactions Act No. 25 of 2002, for which you may be prosecuted and, if found guilty, punished.
  • Create a link from another website to the Aynjil website, or any of the web pages which constitute the Aynjil website, without Aynjil’s prior written consent;
  • Frame the website or any of its pages without Aynjil’s prior written consentNo warranties

While Aynjil will take care to provide accurate information on the Aynjil website, the information displayed on the Aynjil website is provided without any express or implied warranty (guarantee that the information is correct) of any kind whatsoever. In particular, Aynjil does not warrant that it is appropriate or suitable for any particular purpose, that it is complete or accurate, or that it or any hardware on which it is stored is virus-free.

Electronic transactions, communications, and records

When you communicate with Aynjil by electronic communication provided or as may be directed on this website, you consent to receiving responses to your communications by electronic communication addressed to you by Aynjil. You thereby agree that all electronic agreements, notices, disclosures, and other communications sent by Aynjil satisfy any legal requirement that such communications should be in writing.

You accept the risks inherent in electronic communication in whatever form.

You consent to Aynjil acting on the information communicated to Aynjil electronically. You are responsible to ensure that Aynjil has received the information communicated electronically.

You acknowledge and consent that Aynjil, in its discretion, may retain and store your electronic communications as may be lawfully required. You agree that the electronic records stored by Aynjil will constitute rebuttable) proof (it may be challenged) of the content of the records.

Any email communication sent to you will be regarded for the purposes of this agreement to have been received by you when it enters an information system outside of the control of Aynjil.

Secure payment system

If any payments are to be made by you to Aynjil, you will be required to use a payment system authorised (consented to in writing) by Aynjil. Aynjil shall only use a payment system that is sufficiently secure considering the nature of the payment to be made and the risk inherent in making the payment electronically. Aynjil accepts liability for any damages that may be suffered to you due to a failure in a payment system authorised by Aynjil.

Privacy policy

Your privacy is important to Aynjil. Personal information transmitted to Aynjil will be treated in accordance with Aynjils Privacy Policy.

User ID and password

If you subscribe to a service or product provided on the Aynjil website, you may be required to choose a user ID (an identifying name) and a password. You are entirely responsible for:

  • Maintaining the confidentiality of your password (you must not give the password to anyone else);
  • All activities that occur in your account (using your user ID and, if required, your password), either with or without your knowledge;
  • Notifying Aynjil immediately of any unauthorised use (use that you did not consent to) of your user ID and/or password or any other breach of security that you know of;
  • For losses suffered by Aynjilor a third party due to someone other than you using your user ID and/or password.

Mobile access and use:

  • You may access the Aynjil website using a mobile device (including a mobile phone).

The Terms of Use apply with equal force and effect regardless of the manner of your access and browsing of the Aynjil website.

Aynjil is not responsible for the wireless services used by mobile devices, and disclaims any responsibility for the lack of functionality or capability or reliability of any mobile device or software used to access the Aynjil website.

While the use of the Aynjil website is free of charge, you will be responsible for any fees which may be charged by your service provider which may be associated with your browsing of the Aynjil website.

Aynjil is also not responsible for the communication of any person or confidential information between you and the Aynjil website or any electronic communications mechanisms facilitated by the Aynjil website and disclaims any liability for deficiencies in privacy or security of any communications made or received between the mobile device and the Aynjil website.

The functionality and use of your mobile device is outside of the control of Aynjil and Aynjil will not be responsible for interference with the integrity, transmission, delays, limitation of network coverage, outages or interruption in the services supplied supporting the mobile device.
No liability

Aynjil will not be responsible for any loss incurred or damages suffered (whether direct, indirect, special, or consequential) to you or any third party that may be attributable, directly or indirectly, to the use of, or reliance upon, any content displayed on the Aynjil website by you.

Except as provided under User ID and password above, Aynjil will not be responsible for any interruption, delayed or failed transmission, loss of programs or other data, or the storage or delivery of information resulting from whatever cause.

Warranties provided by you

For all purposes, and in particular for purposes of Electronic transactions, communications, and records above, you warrant (confirm):

  • Your identity (that is, you are who you say you are), and that you can prove your identity should Aynjil require you to do so;
  • That all information you provide at any time to Aynjil using the Aynjil website, in writing, or to Aynjil Support staff, will in all respects be current, complete, and accurate;
  • That you will provide to Aynjil all material and relevant facts required by Aynjil as may be appropriate to any dealings you have with Aynjil. If you do not provide the information, or provide information that is incorrect, Aynjil may, at its choice, cancel the agreement or transaction arising from your dealings with Aynjil.

Intellectual property rights:

  • The website and all its content (including software, text, graphics, icons, hyperlinks, private information, and designs) are owned by or licensed to Aynjil.

As the intellectual property rights in the content referred to immediately above are protected against infringement by local and international legislation and treaties, it may not be used in any way without Aynjil or the licensor’s prior written consent.


Aynjil reserves the right to:

Refuse you further access to the website if (a) you breach any of the terms of use applicable from time to time; (b) Aynjil is unable to verify or authenticate any information you provide to it; or (c) Aynjil believes that you are conducting activities that are illegal, abusive, threaten the integrity of the website, or may place Aynjil in disrepute;

  • Refer any breach to the police if such breach constitutes a crime;
  • Claim damages for all loss and damage it suffers, and expenses it incurs, as a result of your breach.
  • If you are listed on the consolidated United Nations Security Council (UNSC) sanctions list, or are directly or indirectly linked to or associated with any person and/or entity on this list, this policy agreement will be considered void from inception. Aynjil shall not be liable to pay any claim or provide any benefit, if doing so would expose Aynjil to any sanction, prohibition or restriction under the UNSC Resolutions. If you’d like to see the consolidated UNSC sanctions list, you’ll find it under Chapter VII of the Charter of the United Nations (UN).


You agree to indemnify and hold harmless Aynjil, any member of Aynjil and its respective directors, officers, employees, agents, licensors, suppliers, and any third party information providers from and against all losses and expenses (including attorney- and own-client costs), resulting from any failure to adhere to these terms of use by you.

Jurisdiction and applicable law

Your use of the Aynjil website will for all purposes relating to its use, constitute your consent and submission to the jurisdiction of the High Court of South Africa (Cape of Good Hope Provincial Division).

Any claim arising from:

  • The use or inability to use the website;
  • An application for, and the rendering of a service or providing of a product;

is subject to the laws of the Republic of South Africa – in respect of both the basis of the claim [contract, delict (tort), or any other], and the law relating to procedure and evidence.

All proceedings will be held in English and the unsuccessful party will be liable to pay all costs incurred by the successful party, including costs as between attorney and own client.

Aynjil’s Consent

To obtain Aynjil’s consent as provided for in these Terms of Use, please address the request to help@aynjil.com

Copyright © Aynjil 2021. All Rights Reserved.

Aynjil Cancer Insurance is underwritten by Guardrisk Life Ltd, a Licensed Life Insurer and administered by Capital Legacy Solutions (Pty) Ltd – An Authorised Financial Services Provider. 

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