Subject to any addendum or endorsement, we do not pay Legal Expenses if the Matter arises out of, is based on, or relates to any of the following:

• Defamation, insult, verbal abuse or any other infringement of The Policyholder’s personality, reputation or dignity;

• Marriage, divorce, enforcement or annulment of a divorce order, alimony, maintenance disputes, maintenance investigations or enquiries or other proceedings, custody of children, visitation rights, child support, guardianship, paternity, engagement or promise to marry and living together as husband and wife or as permanent partners;

• The Policyholder’s rights or obligations as an agent, contractor or sub-contractor;

• The Policyholder’s rights or obligations as a director or officer in terms of the Companies Act, 1973, as amended, or Close Corporations Act, 1984, as amended;

• The Policyholder’s rights or obligations as a principal, shareholder, owner, co-owner, partner or Policyholder of an existing or proposed business, farm, professionalpractice or any other business-related entity or activity;

• A claim for commission by or against The Policyholder as an agent or principal;

• Any surety, cession, assignment, novation, delegation or other derived right of recourse;

• The drafting, negotiating, entering into or signing of any contract or any agreement or any will or testamentary document;

• A tax or fiscal law;

• A mineral right;

• A copyright, patent or trade mark;

• The Policyholder’s rights or obligations as a landlord;

• Immovable property other than The Policyholder’s Place of Residence;

• Changing The Policyholder’s own status, right or obligation, or the status, zoning or right of use of the Policyholder’s Place of Residence;

• Political activity;

• A dispute between The Policyholder and Us or any of Our employees or agents arising out of this Policy;

• Fraud or any other Criminal Matter related to Legal Expenses payable under this Policy;

• An environmental issue;

• Insolvency;

• A class or collective action;

• Inquests, burial disputes or the exhumation of bodies;

• Strike, lock-out or riot, civil commotion, labour disturbances, public disorder or civil disobedience or any act or activity which is calculated to bring about any of the above;

• War, martial law, mutiny, military coup or usurped power, rebellion or revolution;

• An unlawful protest, intimidation or threat of violence or force, to any public body;

• An act aimed at promoting or frustrating economic, political, social or environmental change;

• A dishonourable cause or motive or is tainted with illegality;

• A cause of action which is vexatious or malicious or the proceedings themselves are vexatious or malicious;

• A dispute which is capable of being resolved by Us or any administrative body or independent and impartial forum without legal representation.

Use of any information contained on this website is completely at the user's own risk. LEGALWISE PLATINUM, its advisors and/or affiliates, officers, representatives, servants or agents ("LEGALWISE PLATINUM") does not accept any liability whatsoever for use of any of the information contained on the website in whatsoever manner.

The material contained on this website is provided for general information purposes only. While every care and effort has been taken to ensure the accuracy of the information provided, LEGALWISE PLATINUM makes no representation and gives no warranty, whether express or implied, relating to the correctness of the information in these web pages.

The information on this website is not intended to form the basis of any decision by any person and any recipient who uses it does so at his/her own risk. Any user or recipient of the information on this website must, at his/her own expense, make his/her own assessment as to the suitability thereof. It will be the sole responsibility of the recipient to consult his/her own attorney or other professional advisor and to carry out such other investigations as he/she considers necessary with respect to the website content.

The information on the website does not purport to be comprehensive nor has it been verified by any professional body. LEGALWISE PLATINUM does not accept any liability or responsibility for the accuracy or completeness of, nor does it make any representation or warranty or any undertaking, express, implied or tacit, with respect to the information contained in this website or information on which the website is based or with respect to any other information made available, whether in written or other format, to any recipient or his/her advisors.

Any liability is accordingly expressly disclaimed by LEGALWISE PLATINUM even if any loss or damage is caused by any act or omission on the part of LEGALWISE PLATINUM, whether negligent (including grossly negligent) or otherwise with regard to the website and information on which the website is based or with respect to any other information made available, whether in written or other format, to any recipient or his/her advisors. The recipient accordingly indemnifies and holds LEGALWISE PLATINUM harmless from any loss, liability, damage or expense of whatsoever nature (including but not limited to direct, indirect and consequential loss), arising from reliance on information contained on this website, or otherwise connected with the information on this website [whether arising from breach of contract (fundamental or otherwise), delict, negligence, gross negligence or otherwise].

Except where otherwise stated, the copyright of all website contents is owned by LEGALWISE PLATINUM. No part of the website contents may be reproduced or transmitted or reused or be made available in any manner or any media, unless prior written consent has been obtained from the LEGALWISE PLATINUM office.

The website content has not been registered or approved in any jurisdiction. Users of this website resident in the jurisdictions outside South Africa should inform themselves of and observe any applicable legal requirements.

In the event of any dispute of whatever nature arising as a result of the use of the information on this website, the user (including users resident outside the Republic of South Africa) accepts that the law of the Republic of South Africa shall apply.