Terms and Conditions

Last Updated: March 2026

1. Introduction

These Terms and Conditions govern your use of the Ngqongqoshe Funeral Parlour website and services. By accessing our site or applying for cover, you agree to comply with these terms in full. We are a registered Financial Services Provider (FSP 47003).

2. Information Required by ECTA

In terms of Section 43 of the **Electronic Communications and Transactions Act (ECTA)**, we provide the following information:

• Full Name: Ngqongqoshe Funeral Parlour
• Registration Number: [Registration Number]
• Physical Address: Fort Beaufort, Eastern Cape (and branches)
• Website Address: https://ngqongqoshefunerals.online
• Email Address: info@ngqongqoshefunerals.online
• Membership of Bodies: Financial Sector Conduct Authority (FSCA)

3. Products and Pricing

We offer three main funeral insurance plans:

• R100 Plan: R4,000 cover amount.
• R200 Plan: R6,000 cover amount.
• R300 Plan: R8,000 cover amount.

Age-Based Surcharges: Premiums are subject to age-based increases for members joining between ages 66-74 (+R20) and 75-85 (+R50).

Prices are reviewed annually. You will be notified in writing at least 30 days before any premium adjustment takes effect.

4. Payment Terms

Premiums are payable monthly in advance via EFT bank transfer, ATM Deposit, or cash at our branches. You may also set up a Stop Order with your bank. Please note that Ngqongqoshe Funeral Parlour does NOT perform debit orders. Payments are due on the date specified in your policy schedule. No refunds are provided for premiums or any payments made to our account.

5. Waiting Periods and Skipping Payments

Waiting Periods: A standard 6-month waiting period applies to all new policies for death due to natural causes. A 12-month waiting period applies for death by suicide. Accidental death is covered immediately upon receipt of the first premium and policy activation.

Payment Rules: You may not skip payments during the first 6 months. After 6 months, you may skip up to 2 months, but the 3rd month must include payment for all 3 months. Failure to do so will result in policy lapse and a 3-month reinstatement waiting period.

6. Cooling-Off Rights

In accordance with the Consumer Protection Act (CPA), you have a **31-day cooling-off period** from the date you receive your policy document. You may cancel within this period for a full refund of any premiums paid, provided no claim has been submitted.

7. Cancellation Policy

You may cancel your policy at any time by giving 30 days' written notice. We reserve the right to cancel cover in the event of non-payment of premiums (after the grace period) or in the event of a fraudulent claim.

8. Complaints Procedure

We value your feedback and aim to resolve any disputes quickly. If you have a complaint, please follow our process:

1. Contact our internal complaints department at complaints@ngqongqoshe.co.za.
2. We will acknowledge your complaint within 48 hours and provide a resolution within 15 working days.
3. If you are unsatisfied with our internal resolution, you may escalate the matter to:
   FAIS Ombud
   P.O. Box 74571, Lynnwood Ridge, 0040
   Tel: +27 12 762 5000 | Email: info@faisombud.co.za

9. Governing Law

These terms are governed by the laws of the Republic of South Africa.