Terms of Service

1. Agreement to Terms

By accessing or using the services of Olululo Brokers ("we", "our", or "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Services

Olululo Brokers provides financial brokerage services including but not limited to:

• GEPF transfers and retirement planning
• Life cover and funeral cover
• Medical aid and gap cover
• Vehicle insurance
• Wills and estate planning

We act as intermediaries between you and insurance underwriters. We do not guarantee specific outcomes or returns on any financial products.

3. Regulatory Compliance

Olululo Brokers operates in compliance with the Financial Advisory and Intermediary Services Act (FAIS) and is registered with the Financial Sector Conduct Authority (FSCA). We are committed to treating customers fairly and providing suitable financial advice.

4. Your Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Disclose all relevant facts that may affect your application or coverage
• Review all documents carefully before signing
• Pay premiums and fees as agreed
• Notify us of any changes to your circumstances

5. Limitation of Liability

To the fullest extent permitted by law, Olululo Brokers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our liability is limited to the fees paid for our services.

6. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Olululo Brokers and is protected by South African copyright laws. You may not reproduce, distribute, or create derivative works without our written permission.

7. Dispute Resolution

Any disputes arising from these terms or our services shall first be addressed through our internal complaints procedure. If unresolved, disputes may be referred to the relevant ombudsman or resolved through arbitration in accordance with South African law.

8. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services constitutes acceptance of the modified terms.

9. Governing Law

These Terms of Service are governed by the laws of the Republic of South Africa. Any legal proceedings shall be conducted in the courts of KwaZulu-Natal.

10. Contact Us

For questions about these Terms of Service, please contact us: