Terms and Conditions

Welcome to Qnator ("we", "our", or "us"). By using this website and our services, you agree to the following terms:

1. Introduction

1.1 These Terms and Conditions govern your use of our platform to submit information for obtaining quotes from third-party companies. By using our services, you acknowledge that you have read, understood, and agree to these terms.

2. Definitions

2.1 "FICA" refers to the Financial Intelligence Centre Act of South Africa.
2.2 "POPIA" refers to the Protection of Personal Information Act of South Africa.
2.3 "User" refers to any individual or entity using our platform.
2.4 "Service" refers to the process of collecting, processing, and forwarding user information to third-party companies for quotes.

3. Scope of Services

3.1 Qnator acts as an intermediary, forwarding your submitted information to third-party companies to obtain quotes based on your requirements.
3.2 We do not guarantee the quality, accuracy, or completeness of quotes provided by third-party companies.
3.3 All quotes are subject to the terms and conditions of the respective third-party company.

4. Compliance with FICA

4.1 To comply with the Financial Intelligence Centre Act (FICA), we may require users to provide identity verification documents such as: - A valid ID or passport.
- Proof of residential address.
4.2 By using our services, you consent to the collection and storage of these documents for compliance purposes.
4.3 Failure to provide accurate or complete information may result in suspension or termination of services.

5. Compliance with POPIA

5.1 Qnator complies with the Protection of Personal Information Act (POPIA) to ensure the responsible collection, processing, and protection of your personal information.
5.2 Personal information collected includes, but is not limited to: - Name, email address, phone number, and other contact details.
- Documents required for FICA compliance.
5.3 Purpose of Data Collection: - To facilitate the quotation process.
- To ensure compliance with South African regulations.
5.4 Data Security: - We use industry-standard measures to protect your data from unauthorized access, loss, or misuse.
5.5 Data Sharing: - Your personal information will only be shared with third-party companies for the purpose of obtaining quotes.
5.6 Your Rights: - You may request access to, correction, or deletion of your personal data by contacting us at support@qnator.co.za.

6. User Obligations

6.1 You agree to: - Provide accurate and truthful information.
- Use our services lawfully and responsibly.
6.2 You confirm that you have the necessary authority to provide the information submitted on our platform.

7. Limitation of Liability

7.1 Qnator is not liable for: - The accuracy, quality, or outcomes of quotes provided by third-party companies.
- Any loss or damage resulting from the use of our services.
7.2 Use of our platform is at your own risk.

8. Third-Party Links and Services

8.1 Our website may contain links to third-party websites or services.
8.2 Qnator is not responsible for the content, terms, or policies of third-party platforms.

9. Termination

9.1 We reserve the right to suspend or terminate your access to our services if: - You violate these terms.
- Required documentation is not provided.
9.2 Termination does not exempt users from any obligations or liabilities incurred prior to termination.

10. Amendments to Terms

10.1 Qnator may update these Terms and Conditions at any time.
10.2 Updated terms will be communicated via email or published on our website.

11. Governing Law

11.1 These Terms and Conditions are governed by the laws of South Africa.
11.2 Any disputes arising from these terms will be subject to the exclusive jurisdiction of South African courts.

12. Contact Information

If you have any questions regarding these Terms and Conditions, please contact us:
Email: support@qnator.co.za
Phone: +27 799991299