www.discovery.co.za Open in urlscan Pro
107.154.80.49  Public Scan

Form analysis
3 forms found in the DOM

GET /portal/individual/search

<form id="form-modal-search" class="form-primary form-dui mb-1" action="/portal/individual/search" role="form" method="GET">
  <input id="mainSearchContext" name="context" type="hidden" value="individual">
  <div class="input-group input-group-lg">
    <input id="mainModalSearchQuery" name="query" type="text" class="form-control form-control-lg" placeholder="Search Discovery">
    <div class="input-group-search d-flex justify-content-center align-items-center hidden-md-down">
      <a href="#0" class="btn-icon" onclick="submitSearchFormModal()">
                                    <svg class="material svg-search svg-24" viewBox="0 0 18 18">
                                        
                                    
<path d="M7.137 10.512q1.406 0 2.391-0.984t0.984-2.391-0.984-2.391-2.391-0.984-2.391 0.984-0.984 2.391 0.984 2.391 2.391 0.984zM11.637 10.512l3.727 3.727-1.125 1.125-3.727-3.727v-0.598l-0.211-0.211q-1.336 1.16-3.164 1.16-2.039 0-3.463-1.406t-1.424-3.445 1.424-3.463 3.463-1.424 3.445 1.424 1.406 3.463q0 1.828-1.16 3.164l0.211 0.211h0.598z"></path>
</svg>
                                </a>
      <a href="#0" class="btn-icon mx-1" data-dismiss="modal">
                                    <svg class="material svg-close svg-24" viewBox="0 0 18 18">
                                        
                                    
<path d="M14.238 4.816l-4.184 4.184 4.184 4.184-1.055 1.055-4.184-4.184-4.184 4.184-1.055-1.055 4.184-4.184-4.184-4.184 1.055-1.055 4.184 4.184 4.184-4.184z"></path>
</svg>
                                </a>
    </div>
  </div>
</form>

GET /portal/individual/search

<form id="form-main-search" class="form-primary form-dui mb-1" action="/portal/individual/search" role="form" data-dui-form="" method="GET">
  <input id="mainSearchContext" name="context" type="hidden" value="individual">
  <div class="row">
    <div class="col-12">
      <div class="input-group input-group-lg">
        <input id="mainSearchQuery" type="text" name="query" class="form-control form-control-lg" placeholder="Search Discovery">
      </div>
    </div>
  </div>
  <div class="row mt-1 hidden-xl-up">
    <div class="col-6">
      <button class="btn btn-block btn-outline-primary" type="button" onclick="closeSearchForm('mobile')">close</button>
    </div>
    <div class="col-6">
      <a href="#0" class="btn btn-block btn-primary" onclick="submitSearchForm('mobile')">search</a>
    </div>
  </div>
</form>

<form class="form-default" role="form" data-dui-form="">
  <select data-dui-footer-contact-us-selector="" class="custom color" data-jcf="{&quot;wrapNative&quot;: false, &quot;wrapNativeOnMobile&quot;: false, &quot;fakeDropInBody&quot;: false, &quot;useCustomScroll&quot;: false}">
    <option selected="" disabled="">Select company</option>
    <option value="footer-contact-us-medical-aid">Medical aid</option>
    <option value="footer-contact-us-vitality">Vitality</option>
    <option value="footer-contact-us-bank">Bank</option>
    <option value="footer-contact-us-car-and-home-insurance">Car and home insurance</option>
    <option value="footer-contact-us-business-insurance">Business Insurance</option>
    <option value="footer-contact-us-life-insurance">Life Insurance</option>
    <option value="footer-contact-us-investments">Investments</option>
    <option value="footer-contact-us-provider-administration">Provider administration</option>
    <option value="footer-contact-us-digital-support">Digital Support</option>
    <option value="footer-contact-us-employee-benefits">Employee Benefits</option>
    <option value="footer-contact-us-gap-cover">Gap Cover</option>
    <option value="footer-contact-us-prepaid-health">Prepaid Health</option>
    <option value="footer-contact-us-all-contacts">View all contact details</option>
  </select>
</form>

Text Content

Hidden top of page marker
 * INDIVIDUALS
 * BUSINESS

 * Online banking
 * Register
 * Log in
 * 
 * 
 * 


Individuals
 * Bank
 * Medical aid
 * More Health Cover
 * Life insurance
 * Investments
 * Car and home insurance
 * Vitality
 * Travel

Business
 * MAIN MENU


   DISCOVERY BANK WAS VOTED #1 IN CLIENT EXPERIENCE IN SOUTH AFRICA - TWO YEARS
   IN A ROW!
   
   Find out more
   Join Discovery Bank or log in
 * Join now
 * Log in to Online Banking
 * Compare your current bank account with Discovery Bank
   Shared-value banking
 * About Shared-value banking
 * Vitality Money
   Discovery Bank rewards
 * Rewards
 * Ðiscovery Miles
 * Vitality Travel
 * Friend Referral Rewards
 * Calculate your potential rewards
   Discovery Bank accounts
 * Explore all Discovery Bank accounts
   Credit cards & credit facilities
 * Discovery Bank credit cards
 * Full banking suites
 * Home loans
 * Revolving Credit Facility
   Transaction & other accounts
 * Transaction accounts - bundled fees
 * Transaction accounts - pay-as-you-transact fees
 * Real-time forex accounts
 * Savings accounts
   Other products and benefits
 * Energy Solutions
 * Trade and invest with EasyEquities
   Digital Banking
 * The Discovery Bank app
 * Payments with Discovery Bank
 * Discovery Pay
 * Vitality Money Financial Analyser
   Quick links to more information
 * Safety and security
 * Info and tips
 * Latest news
 * Bank Blog
 * How-to videos

 * MAIN MENU

   INTRODUCING THE NEW DISCOVERY HEALTH APP - A GATEWAY TO A PERSONALISED,
   END-TO-END HEALTHCARE JOURNEY. YOUR HEALTH. CHANGE HOW YOU DO IT.
   
   Find out more
   Get medical aid
 * Get a medical aid quote
 * Our medical aid plans
 * Compare our plans
   Your health plan
 * Benefits and cover
 * WELLTH Fund cover
 * Extra savings and services
 * Your 2024 benefits and contributions
   Your health
 * Find a healthcare provider
 * Discovery Health App
 * Going to hospital
 * Your chronic cover
 * Discovery Health magazine
 * Nominate a primary care GP
   Get help
 * Ask Discovery
 * Find documents and certificates
   About us
 * About Discovery Health
 * About Discovery Health Medical Scheme

 * MAIN MENU


   GET DISCOVERY GAP COVER TO INSURE YOU AND YOUR FAMILY AGAINST UNEXPECTED
   MEDICAL COSTS.
   
   Find out more
   Gap Cover
 * Our gap cover products
 * Get a gap cover quote
 * Apply for Gap Cover
 * Find a document
   Trauma Cover
 * Get Trauma Cover now
   Supplementary Illness Benefit
 * The Supplementary Illness Benefit
 * Apply for Supplementary Illness Benefit
   Prepaid Health
 * Prepaid Health
   Flexicare
 * Join Flexicare now
 * Our Flexicare products

 * MAIN MENU


   LIVE WITH INTENTION AND GET AWARD-WINNING* LIFE INSURANCE FOR A RANGE OF
   LIFE-CHANGING EVENTS. YOU CAN ALSO GET UP TO 100% OF YOUR PREMIUMS BACK IN
   CASH FOR LIVING WELL!
   
   Get a Life quote
   
   Discovery Life Ltd, a licensed life ins & reg credit provider. Auth FSP.
   Ts&Cs apply. *Efma Accenture.

   Get a quote today
 * Get a life insurance quote in 60 seconds
 * Get a Global Education Protector quote
 * Get a Funeral Plan quote
   About life insurance
 * Life Plan for you and your family
 * Bespoke Life Plan for you and your family
 * Life Plan that pays out in US dollars
 * Life Plan for your business
 * Life Claims Experience
   Rewards
 * Premium discounts and PayBack
   Estate planning
 * Wills and estate planning
 * Get an Estate Preserver

 * MAIN MENU


   GET A BOOST OF UP TO 20% TO YOUR RETIREMENT SAVINGS
   
   Find out more
   Retirement investment plans
 * Retirement Annuities
 * Retirement income plans
 * Preservation plan
 * Discovery Retirement Optimiser
   Educational content
 * Retirement education
 * Offshore education
   Global investment plans
 * Lump-sum global endowment
 * Global flexible investment plan
 * Recurring global endowment
   Funds
 * Discovery Funds
 * External funds
 * Fund commentary
 * Interactive Fund fact sheets
 * Market indicators
   Discretionary Investments
 * Flexible investment plans
 * Endowment Plans
 * Guaranteed return plans
   Useful links
 * About us
 * How we reward you
 * Phishing scams
 * Invest today
 * Which investment is right for me?

 * MAIN MENU


   ACTIVATE YOUR COVER ONLINE
   ANYTIME, ANYWHERE
   SWITCH TO DISCOVERY INSURE TODAY
   
   Find out more
   Car Insurance
 * Get a quote
 * Our Plans
 * Get a warranty quote
 * Warranty cover
   Business Insurance
 * Get a quote
 * About business insurance
   About us
 * Why choose Insure
 * Force for good
 * Interesting content
   Vitality Drive
 * Fuel cash back
 * Vitality Active Rewards
 * Stay safe with safety features
 * Join Vitality Drive
   Home Insurance
 * Get a quote
 * Buildings insurance
 * Household content insurance
 * Portable Possessions
   Help
 * Emergency
 * FAQs

 * MAIN MENU


   SMASH YOUR PADEL GAME AND GET 20% OFF!
   
   Find out more
   Join Vitality today
 * Join Vitality free for 3 months now
 * What is Vitality?
 * How Vitality works
   Vitality is here to help you get healthier
 * Tools to know your health
 * Quick and easy tips to improve your health
 * Essential health checks
   Rewards
 * Vitality Fitness and Gym
 * Vitality HealthyFood
 * Vitality Travel rewards
 * Vitality rewards for the family
 * Amazing reward partners
 * Get rewarded weekly with Vitality Active Rewards
 * Get rewarded with Discovery Insure
 * Get boosted rewards with Discovery Bank
 * Discovery Miles
   More ways to live life with Vitality
 * Vitality 65+
 * Join SA's biggest running and cycling club
 * Book a course at the Healthy Food Studio now
   Quick links
 * Vitality latest news
 * Upcoming Events
 * Vitality FAQs

 * MAIN MENU


   FAST TRACK YOUR CAR HIRE COLLECTION. REGISTER FOR READY2GO ON VITALITY TRAVEL
   THE NEXT TIME YOU BOOK CAR HIRE.
   
   Find out more
   Travel
 * Log in to book Travel
 * More about Vitality Travel
 * Latest Vitality Travel News
 * The Lounge by Discovery and SAA
 * Explore Discovery Bank Forex Accounts
 * Find out about travel insurance

 * Bank
 * Medical aid
 * More Health Cover
 * Life insurance
 * Investments
 * Car and home insurance
 * Vitality
 * Travel




 * Join Discovery Bank or log in
 * Join now
 * Log in to Online Banking
 * Compare your current bank account with Discovery Bank

 * Shared-value banking
 * About Shared-value banking
 * Vitality Money

 * Discovery Bank rewards
 * Rewards
 * Ðiscovery Miles
 * Vitality Travel
 * Friend Referral Rewards
 * Calculate your potential rewards

 * Discovery Bank accounts
 * Explore all Discovery Bank accounts

 * Credit cards & credit facilities
 * Discovery Bank credit cards
 * Full banking suites
 * Home loans
   New
 * Revolving Credit Facility
   New

 * Transaction & other accounts
 * Transaction accounts - bundled fees
 * Transaction accounts - pay-as-you-transact fees
 * Real-time forex accounts
 * Savings accounts

 * Other products and benefits
 * Energy Solutions
 * Trade and invest with EasyEquities

 * Digital Banking
 * The Discovery Bank app
 * Payments with Discovery Bank
 * Discovery Pay
 * Vitality Money Financial Analyser

 * Quick links to more information
 * Safety and security
 * Info and tips
 * Latest news
 * Bank Blog
 * How-to videos


DISCOVERY BANK WAS VOTED #1 IN CLIENT EXPERIENCE IN SOUTH AFRICA - TWO YEARS IN
A ROW!

Find out more
 * Get medical aid
 * Get a medical aid quote
 * Our medical aid plans
 * Compare our plans

 * Your health plan
 * Benefits and cover
 * WELLTH Fund cover
 * Extra savings and services
 * Your 2024 benefits and contributions

 * Your health
 * Find a healthcare provider
 * Discovery Health App
 * Going to hospital
 * Your chronic cover
 * Discovery Health magazine
 * Nominate a primary care GP

 * Get help
 * Ask Discovery
 * Find documents and certificates

 * About us
 * About Discovery Health
 * About Discovery Health Medical Scheme

INTRODUCING THE NEW DISCOVERY HEALTH APP - A GATEWAY TO A PERSONALISED,
END-TO-END HEALTHCARE JOURNEY. YOUR HEALTH. CHANGE HOW YOU DO IT.

Find out more
 * Gap Cover
 * Our gap cover products
 * Get a gap cover quote
   New
 * Apply for Gap Cover
 * Find a document

 * Trauma Cover
 * Get Trauma Cover now

 * Supplementary Illness Benefit
 * The Supplementary Illness Benefit
 * Apply for Supplementary Illness Benefit

 * Prepaid Health
 * Prepaid Health

 * Flexicare
 * Join Flexicare now
 * Our Flexicare products


GET DISCOVERY GAP COVER TO INSURE YOU AND YOUR FAMILY AGAINST UNEXPECTED MEDICAL
COSTS.

Find out more
 * Get a quote today
 * Get a life insurance quote in 60 seconds
 * Get a Global Education Protector quote
 * Get a Funeral Plan quote

 * About life insurance
 * Life Plan for you and your family
 * Bespoke Life Plan for you and your family
 * Life Plan that pays out in US dollars
 * Life Plan for your business
 * Life Claims Experience

 * Rewards
 * Premium discounts and PayBack

 * Estate planning
 * Wills and estate planning
 * Get an Estate Preserver


LIVE WITH INTENTION AND GET AWARD-WINNING* LIFE INSURANCE FOR A RANGE OF
LIFE-CHANGING EVENTS. YOU CAN ALSO GET UP TO 100% OF YOUR PREMIUMS BACK IN CASH
FOR LIVING WELL!

Get a Life quote

Discovery Life Ltd, a licensed life ins & reg credit provider. Auth FSP. Ts&Cs
apply. *Efma Accenture.

 * Retirement investment plans
 * Retirement Annuities
 * Retirement income plans
 * Preservation plan
 * Discovery Retirement Optimiser

 * Educational content
 * Retirement education
 * Offshore education

 * Global investment plans
 * Lump-sum global endowment
 * Global flexible investment plan
 * Recurring global endowment

 * Funds
 * Discovery Funds
 * External funds
 * Fund commentary
 * Interactive Fund fact sheets
 * Market indicators

 * Discretionary Investments
 * Flexible investment plans
 * Endowment Plans
 * Guaranteed return plans

 * Useful links
 * About us
 * How we reward you
 * Phishing scams
 * Invest today
 * Which investment is right for me?


GET A BOOST OF UP TO 20% TO YOUR RETIREMENT SAVINGS

Find out more
 * Car Insurance
 * Get a quote
 * Our Plans
 * Get a warranty quote
 * Warranty cover

 * Business Insurance
 * Get a quote
 * About business insurance

 * About us
 * Why choose Insure
 * Force for good
 * Interesting content

 * Vitality Drive
 * Fuel cash back
 * Vitality Active Rewards
 * Stay safe with safety features
 * Join Vitality Drive

 * Home Insurance
 * Get a quote
 * Buildings insurance
 * Household content insurance
 * Portable Possessions

 * Help
 * Emergency
 * FAQs


ACTIVATE YOUR COVER ONLINE
ANYTIME, ANYWHERE
SWITCH TO DISCOVERY INSURE TODAY

Find out more
 * Join Vitality today
 * Join Vitality free for 3 months now
 * What is Vitality?
 * How Vitality works

 * Vitality is here to help you get healthier
 * Tools to know your health
 * Quick and easy tips to improve your health
 * Essential health checks

 * Rewards
 * Vitality Fitness and Gym
 * Vitality HealthyFood
 * Vitality Travel rewards
 * Vitality rewards for the family
 * Amazing reward partners
 * Get rewarded weekly with Vitality Active Rewards
 * Get rewarded with Discovery Insure
 * Get boosted rewards with Discovery Bank
 * Discovery Miles

 * More ways to live life with Vitality
 * Vitality 65+
 * Join SA's biggest running and cycling club
 * Book a course at the Healthy Food Studio now

 * Quick links
 * Vitality latest news
 * Upcoming Events
 * Vitality FAQs


SMASH YOUR PADEL GAME AND GET 20% OFF!

Find out more
 * Log in to book Travel
 * More about Vitality Travel
 * Latest Vitality Travel News
 * The Lounge by Discovery and SAA
 * Explore Discovery Bank Forex Accounts
 * Find out about travel insurance


FAST TRACK YOUR CAR HIRE COLLECTION. REGISTER FOR READY2GO ON VITALITY TRAVEL
THE NEXT TIME YOU BOOK CAR HIRE.

Find out more
close
search


    USER AGREEMENT


YOU WILL FIND THE USER AGREEMENT, GENERAL TERMS AND CONDITIONS OF USE, THE
PRIVACY POLICY AND THE COMMUNITY GUIDELINES IN THIS DOCUMENT


PLEASE READ THIS USER AGREEMENT CAREFULLY BEFORE USING THE SITE.

A. General Terms and Conditions of Use

1. Definitions

1.1. In this user agreement, the terms below have the following meanings:

1.1.1.  “Discovery Apps” means any online application software that is provided
by or is connected with Discovery that you install or download from an online
application store and access via a mobile device, including any smartphone
and/or tablet device.

1.1.2.  “Site” means collectively our website/s and the Discovery Apps.

1.1.3.  “we”, “us”, “our” and “Discovery” means Discovery Limited, being the
holding company of the Discovery Group of Companies, all its affiliates and
subsidiaries and any developers that Discovery may employ from time to time. It
also includes medical schemes administered by Discovery Health (Pty) Ltd.

1.1.4.  “website” means the internet websites with the address
www.discovery.co.za or any website with a URL that is validly registered to
Discovery.

1.1.5.  “you” and “your” means the user of the Site and / or your legal
guardian.

1.1.6.  “Pass” means digital representation of information you would normally
carry in your wallet, for example, membership cards, boarding passes, event
tickets and vouchers.

1.1.7. “personal information” means information relating to you or any other
living person or existing legal entity, including but not limited to –

 * information relating to the race, gender, sex, pregnancy, marital status,
   national, ethnic or social origin, colour, sexual orientation, age, physical
   or mental health, well-being, disability, religion, conscience, belief,
   culture, language and birth of the person;
 * information relating to the education or the medical, financial, criminal or
   employment history of the person;
 * any identifying number, symbol, e-mail address, physical address, telephone
   number or other particular assignment to the person;
 * correspondence sent by the person that is implicitly or explicitly of a
   private or confidential nature or further correspondence that would reveal
   the contents of the original correspondence;
 * the name of the person if it appears with other personal information relating
   to the person or if the disclosure of the name itself would reveal
   information about the person,

provided that such information is not in the public domain in the same or in a
different format or held by a public body and publicly accessible.

2.  Conditions of Access

2.1.  Your access to, and use of, the Site is subject always to the community
guidelines and terms and conditions set out in this user agreement.

2.2.  To avoid any confusion, you agree these terms and conditions applies to
your use of:

2.2.1.  the website;

2.2.2.  any Discovery Apps;

2.2.3.  any third party website or mobile application licensed to us;

Regardless of the platform, gateway, portal or mode of access you use to
install, download or access the Site. Your cell phone provider may, depending on
the type of contract you have, charge you for accessing the Site or for any
usage of the Site (such as data charges, sms charges). Discovery cannot be held
responsible for these charges.

3.  Your Acceptance and Consent

3.1.  By using the Site, you expressly agree to the terms and conditions of this
user agreement. If you do not agree to all of the terms and conditions, please
do not continue to use the Site.

3.2.  When you install or download the Discovery Apps, you may be required to
accept the terms and conditions or the end user licence agreement (collectively,
an “EULA”) of a third party supplier or vendor. While the EULA is independent
from these terms and conditions and establishes a separate legal relationship
which you are bound by, you agree that, the EULA is part of this user agreement
and will apply to your use of the Discovery Apps. 

3.3.  You agree that this user agreement applies to any information accessed via
the Site, and to all sections of the Site.

4.  Changes to this User Agreement

4.1.  We may change the terms and conditions of this user agreement from time to
time. We recommend that you familiarise yourself with this user agreement
regularly.

4.2. The current version of this user agreement will apply each time that you
access and use the Site.

5.  Your account

5.1.  If you use the Site, you must keep your access details (including, your
user name and password) confidential and not allow other people to use it. You
also accept full responsibility for all activities that occur under your access
details or password and accept responsibility for sharing your user name and
password. You are only permitted to use one account. If you use more than one
account we could delete all access.

5.2.  Once you’ve logged onto the site once, certain information, functionality
and other features of the site will be accessible the next time you access the
Site without having to re-enter your password. If you prefer to enter your
password every time you access the Site, you can change the setting in the menu
option.

5.3.  Discovery may refuse to provide products and/or services to you if we are
unable to verify any information that you provide to us.

5.4.  You agree that the following actions shall be material breaches of these
terms and conditions:

5.4.1.  signing in as, or pretending to be, another person;

5.4.2.  transmitting material that violates, or could violate, the intellectual
property rights of others or the privacy of others

5.4.3.  using interactive services in a way that is intended to harm, or could
result in harm to you or to other users of the Site; or

5.4.4.  gathering information about others without obtaining their prior written
consent.

5.5.   You also agree that any use of your access details shall be regarded as
if you were the person using such information.

5.6   Please note that the user name you choose is permanent and can only be
amended at Discovery’s discretion.

5.7   Discovery may determine certain requirements that you will need to meet
when choosing a user name or password.  These requirements may be changed from
time to time and you may be required to update your credentials.

6.  Full disclosure of all relevant facts and benefit entitlement

6.1.  Discovery might need certain personal and financial information from you.
It is in your best interest to keep this information current and accurate.

6.2.  You guarantee that all information provided by you at any time to
Discovery on or via the Site, will be    true, accurate, current and correct and
you undertake to update the information as and when required.

6.3.  You guarantee that you have fully disclosed all facts, and agree that this
user agreement or any transactions related to this user agreement will be void
if you do not meet this requirement.

7.  Electronic communication and records

7.1.  When you visit the Site or send e-mails to us, you accept that we can
communicate with you electronically. All records that you send to us may be
stored electronically and with third parties, although these third parties are
bound by the strictest levels of confidentiality. These electronic records shall
be proof of the records, unless you can prove otherwise.

7.2.  Any electronic communication (for example, an e-mail or SMS) sent to you
will be regarded to have been received by you upon being sent by Discovery. This
includes, but is not limited to mobile push notifications.

7.3.  If you are a registered user of the Website, you will receive
communications from us via e-mail. If you do not want to receive e-mails from
Discovery, you may change the way you receive your communication on the website,
or you can phone our contact centre.

7.4.  Discovery takes all reasonable steps to protect your personal information
and maintain confidentiality, including the use of encryption technology.
However, we cannot guarantee the security or integrity of any information you
transmit to us online and you agree that you do this at your own risk.

7.5.  You agree that all agreements, notices, disclosures and other
communications that we provide to you electronically meet any legal requirement
that the communications be in writing.

8.  Copyright

8.1.  All content made available on the Site (for example, text, graphics,
logos, button icons, images, audio clips, digital downloads, data compilations,
and software) belongs to Discovery, unless we expressly state that it is not and
is protected by South African and international law. In addition, the
compilation of all content on the Site is the exclusive property of Discovery
and is protected by South African and international copyright laws.

8.2.  Except if permitted under this or another agreement with Discovery no
portion of the Site may be copied or transmitted via any means available now or
in the future.

8.3.  Any unauthorised use, alteration or dissemination of the information or
content on the Site is prohibited.

8.4.  You agree that if you breach the terms of this clause 8, Discovery will
have the right to claim damages against you, which will include the right to
claim special, incidental, consequential or indirect damages. Discovery will
also be allowed to claim for loss of profits and loss of business and will also
be allowed to recover all legal costs on a scale as between attorney and own
client.

8.5.  Nothing on the Site should be regarded as granting any licence or right to
use any trademark without Discovery's prior written permission and/or that of
any third party.

8.6.  Discovery tries to ensure that the most sophisticated technology protects
the information on the Site. However, Discovery cannot be held responsible for
any consequences that may result from the unlawful breach of copyright or
unlawful dissemination of information by third parties copying information off
the Site. If you suspect a breach or where a breach may have taken place and
this comes to your knowledge, please contact us as soon as possible so that we
can address the problem.

9.  Disclaimer

9.1.  The Site and all information, content, tools and materials are provided by
Discovery on an “as is” and “and available” basis, unless we inform you in
writing.

9.2.  Discovery does not guarantee the operation of the Site or the information,
content, tools or materials on the Site. You agree that you use the Site at your
own risk.

9.3.  Discovery does not guarantee that (i) the Site; (ii) the information,
content, tools or materials included on the Site; (iii) the Discovery servers;
or (iv) that any electronic communications sent by us are free from viruses or
other harmful components. Discovery will not be liable for any damages of any
kind arising from your use of the Site or from any information, content, tools
or materials included on or otherwise made available to you through the Site,
including for direct, incidental, punitive and/or consequential damages.

9.4.  We are fully committed to providing you with the best possible service.
However, we are not responsible for:

9.4.1.  any interrupted, delayed or failed transmission, storage or delivery of
information due to a power failure, equipment or software malfunction, natural
disasters, fire, labour unrest, or any other cause beyond the reasonable control
of Discovery; or

9.4.2.  any inaccurate, incomplete or inadequate information obtained from the
Site supplied by you.

9.5.  Neither will we be responsible for any direct or indirect loss or damages
that may arise from:

9.5.1.  any of the events described in this paragraph or the paragraphs
above9.5.2.   your actions or omissions that result in a breach of this user
agreement;

9.5.2.  any links to other websites from the Site. You also acknowledge that we
cannot control the content of or the products offered on those websites;

9.5.3.  a denial of access to the website should we believe or have reason to
believe that you are conducting activities that are illegal, abusive, would
attack the integrity of the website or put Discovery in disrepute; or

9.5.4.  your reliance on any of the information, content, tools or materials
that you obtain from the Site.

9.6.  It is very important that you acknowledge and understand that the
information included on the Site should not to be regarded as either advice or
an intermediary service in terms of the Financial Advisory and Intermediary
Services Act of 2002. Please consult with your financial adviser should you
require any financial services or financial products.

9.7.  To the extent that clinical information may be provided on the Site, it is
based on best practice and on current recommendations and guidelines. These
obviously change from time to time. The information provided should by no means
replace the advice of a registered healthcare provider. You should not
discontinue any treatment you may be receiving on the basis of information
reflected on this site without first consulting your healthcare provider. You
should also seek professional advice immediately should any symptoms you may be
experiencing persist.

10.  The following will apply to usage of our wellness programme
Vitality:           

10.1. The Vitality main rules apply at all times.

10.2.  We advise that you consult with your physician before you undertake to
follow any health and fitness recommendations you receive via the benefits and
initiatives on Vitality.

10.3.  Vitality is not a licensed medical provider and have no expertise in
diagnosing, examining, or treating medical conditions of any kind, or in
determining the effect of any specific exercise on a medical condition. Vitality
is not intended to be a substitute for professional medical advice, diagnosis,
or treatment. You should understand that when participating in any exercise or
exercise program, there is the possibility of physical injury and/or death.

10.4.  You expressly agree that we are not providing medical advice via the
services.  All content provided through Vitality, including all text,
communication, photographs, images, illustrations, graphics, audio, video and
audio-video clips, and other materials, whether provided by us or by other users
or third parties is not intended to be and should not be used in place of (a)
the advice of your physician or other medical professionals, (b) a visit, call
or consultation with your physician or other medical professionals, or (c)
information contained on or in any product packaging or label. Should you have
any health related questions, please call or see your physician or other
healthcare provider promptly. Should you have an emergency, call your physician
immediately. You should never disregard medical advice or delay in seeking
medical advice because of any content presented on a Vitality Site, and you
should not use the Vitality Site or any content on the Vitality Site for
diagnosing or treating a health problem. The transmission and receipt of any
content, in whole or in part, or communication via the internet, e-mail or other
means does not constitute or create a doctor-patient, therapist-patient or other
healthcare professional relationship.

10.5.  You expressly agree that your nutritional and athletic activities, which
generate the user content you post or seek to post on the Vitality Site
(including but not limited to running, walking, cycling, hiking, triathlon)
carry certain inherent and significant risks of property damage, bodily injury
or death and that you voluntarily assume all known and unknown risks associated
with these activities even if caused in whole or part by the action, inaction or
negligence of us or by the action, inaction or negligence of others. You also
expressly agree that we do not assume responsibility for the inspection,
supervision, preparation, or conduct of any race, contest, group athletic
activity or event that involves a Vitality benefit.

10.6.  You expressly agree to release us (the “released parties”) from any and
all liability connected with your nutritional athletic activities, and promise
not to sue the released parties for any claims, actions, injuries, damages, or
losses associated with your nutritional and athletic activities. You also agree
that in no event shall the released parties be liable to you or any third party
for any direct, indirect, punitive, incidental, special or consequential damages
arising out of or in any way connected with (a) your use or misuse of Vitality,
(b) your use or misuse of equipment or programs created or licensed by us while
engaged in activities, (c) your dealings with third party service providers or
advertisers available through Vitality, (d) any delay or inability to use
benefits on Vitality experienced by You, (e) any information, software,
products, services or content obtained through Vitality, whether based on
contract, tort, strict liability or otherwise, even if we have been advised of
the possibility of damages. Because some states/jurisdictions do not allow the
exclusion or limitation of liability for consequential or incidental damages,
the above limitation may not apply to you.

11. The following will apply to the usage of the Financial Advisor -, Health
Provider - and Employer Zone:

11.1.  You are aware that through the use of the Discovery website, you will
gain access to personal information about third parties (clients, patients and
employees).

11.2 You confirm that you will maintain the confidentiality of all personal
information obtained from the site in line with the applicable legislation.

12. The following will apply to the usage of the Pass:

12.1.  You are aware that Passbook is only compatible with Apple iPhone 3GS
onwards and iPod Touch 4th generation onwards running iOS6 mobile operating
system or later.

12.2.  You are aware that the Passbook is a third party application supplied
free of charge by Apple.

12.3.  You are aware that the Passes will be accessed via the Apple Passbook
app.

12.4.  You are aware that Passes in Passbook can be synched via iCloud to your
other Passbook compliant Apple devices.  It is recommended that you do not share
your iCloud credentials with others and, for added security, that you do not
make use of iCloud to synchronise your Passes.

12.5.  Updates and/ changes to the Pass will be pushed through to your Pass,
provided that the ‘automatic updates’ option on your device is switched on.
Where the ‘automatic updates’ option on your device is switched off, you will
need to manually update the Pass.

12.6. Any unauthorised use, alteration or dissemination of the information or
content on your Pass is prohibited.

12.7. You accept that you are responsible for ensuring the necessary security
for your mobile device. This can be in the form of a device auto-lock feature,
pin access control etc.  You agree to, without limitation, indemnify the Scheme,
its trustees, and Discovery, its directors and employees, for any claim relating
to your use of the Pass, including any claims relating to fraudulent use thereof
brought by you or any third party

12.8. The Pass allows you to add an identification photo for added security. You
accept without limitation to apply the following criteria when adding an
identification photo to the Pass:

12.8.1. The image must be of the user for whom the Pass has been created. No
other persons may appear in the image.

12.8.2. The image must be clear and allow for the clear visibility of the facial
features of the user.

12.8.3. The user in the image must not appear with sunglasses, a hat, a wig,
face-paint, hand-held objects or any other objects that may obstruct the full
visibility of the user’s  face and facial features.

12.8.4. The image must consist of the user’s head and shoulders only and fill
more than 80% of the image.

12.8.5. The image must portray a natural expression of the user and may not be
altered to present an unnatural appearance of the user.

If you do not comply with the above criteria we reserve the right to revoke your
photo which will render your Pass invalid and useless

13.  Indemnity

13.1. While Discovery makes every effort to ensure that the content and
information on the Site is complete, accurate and up to date, we make no
guarantee about the suitability of the products and services on the Site or
whether they are complete accurate or appropriate.

13.2.  You agree to fully indemnify Discovery, its directors, and employees, the
board of trustees of the scheme and the employees of the scheme, and will not
hold us responsible for any claim relating to your use of the Site.

13.3.  You agree to fully indemnify Discovery, its directors and employees, the
board of trustees of the scheme and the employees of the scheme, from any errors
or inaccuracies or incomplete information made available by third parties
(including healthcare professionals, advisors and/or experts) on the Site and
agree that, we will not be liable for any loss or damages, including direct,
indirect and consequential loss, that may arise from any disclosure to or by any
third parties.

13.4.  You agree that all information, including products and services or any
terms or conditions relating to them, on the Site may change. Discovery will
notify you of the important changes within a reasonable time.

13.5.  You agree that any calculations made on the Site, (including any relating
to your health) are estimates and are meant as guidelines only.

13.6.  Discovery is not responsible for any mistakes in the performance of any
calculators or interactive tools used in the calculations.

13.7.  All products and services provided on the Site are subject to
confirmation, and any terms or conditions relating to them, at the time of
finalising any transactions.

13.8.  You accept that some of the information, content, tools or materials on
the Site come from external sources (including independent practitioners in the
health and wellness industry), and you agree that Discovery is not responsible,
and will not be held liable, for any information or content, received from these
external sources.

14. Phishing and spoofing

14.1.  If you receive an unsolicited e-mail that appears to be from Discovery
and that requests you to provide personal information (such as your credit card
number, user name, or password), or that asks you to verify or confirm your
Discovery information by clicking on a link, it is most likely that the e-mail
was sent by a "phisher" or "spoofer."

14.2.  Discovery will never ask for this type of information in an e-mail, and
we strongly recommend that you do not respond to these e-mails and that you do
not click on the link. Responding to “phishing” places you and your personal
information at risk. Discovery cannot be responsible for any consequences
resulting from your response to any email sent by a “phisher” or a “spoofer”.

15.  Linking to third party websites

15.1.  The Website may contain certain images and links to other third party
websites with information, content or material produced by other parties. These
linked third party websites are not under the control of Discovery and Discovery
is not responsible for the information, content or material on any linked
website, including, any link contained in a linked website, or any changes or
updates to a linked website.

15.2.  Discovery is providing these links to you only as a convenience, and you
agree that the inclusion of links does not imply an endorsement by Discovery of
the linked website, their business or security practices, or any association
with its operators.

15.3.  From time to time Discovery may employ the services of third parties to
assist with the hosting and management of certain services and aspects of the
Site. We apply every effort to ensure that our sub-contractors comply with our
Privacy Policy and widely accepted security standards and they will be
accountable for any non-compliance.

15.4.  Should you have any queries arising from transactions you conclude with
such third parties, you will be required to contact them directly.

16.  Applicable law

16.1.  By accessing and using the Site, you agree that the laws of the Republic
of South Africa will govern this user agreement, and you consent to the
jurisdiction of the South African courts in respect of any dispute which may
arise from this user agreement.

17.  General Provisions

17.1.  The headings of the clauses in this user agreement is provided for
convenience and ease of reference only, and will not be used to interpret,
modify or amplify this user agreement.

17.2.  If any provision of this user agreement is held to be illegal, invalid or
unenforceable, that illegality, invalidity or unenforceability shall not affect
the other provisions of this user agreement.

17.3.  No failure or delay by Discovery to exercise any of its rights will be
regarded as a waiver of its rights,  nor will it affect the validity of any part
of this user agreement. 

B.  Privacy Policy

This privacy policy is complementary to, and should be read and understood
together with, the general terms and conditions of use set out in Section A
above.

1.  The General Principles of our Privacy Policy

1.1.  This privacy policy covers how we treat your personal information
collected electronically when you use the Site, register or apply online for any
Discovery products or services, or when you contact Discovery electronically.

1.2.  Discovery respects your privacy and your personal information and for this
reason, we take care to protect your personal information and to keep it
confidential.

1.3.  When dealing with your personal information we apply the following:

1.3.1.  Discovery will only disclose, collate and process (“use”) your personal
information with your express written permission unless we are legally required
to do so.;

1.3.2.  Discovery will not use your personal information for any other purpose,
other than that which we disclosed to you, unless you give Discovery your
express written permission to do so, or unless Discovery is permitted or
required to do so by law

1.4.  By using the Site, registering or applying online for any Discovery
products or services, or contacting Discovery electronically, you confirm that
we may share your and your dependants and/ or beneficiaries information within
the Discovery Group of companies for administration and fraud prevention
purposes or where required to provide Group wide services, benefits and
infrastructure to assist you in your personal or professional capacity.

2.  What do we mean by Personal Information

2.1.  Personal information refers to information that identifies or relates
specifically to you, for example, your name, age and identity number or any
information you use to register for the website. Any information about your
health and wellness interests, your lifestyle, your eating habits and nutrition,
your exercise regime and all related information will also be regarded as
personal information.

3.  How we collect your Personal Information

3.1.  Whenever you use the Site, complete an application form, contact Discovery
electronically, or use one of the products, services, facilities, tools or
utilities offered by Discovery on the Site, Discovery will collect your personal
information.

4.  Why we collect and use Personal Information

4.1.  In order to make your use of the Site and the products, services,
facilities, tools or utilities offered on the Site as informative and successful
as possible, it is necessary for Discovery to find out exactly what you need and
want. The following are some of the reasons (i.e. disclosed reasons) why
Discovery would collect your personal information:

4.1.1.  for Discovery to process your instructions or requests; or

4.1.2.  for Discovery to ensure that we meet your needs, Discovery may collect
and analyse your personal information and combine all the information that we
have about you for research and statistical purposes. We may also use your
personal information to personalise and tailor our services to meet your needs;
or

4.1.3.  once Discovery has collected and analysed your personal information,
Discovery may send you promotional material or details which we think may be of
interest to you.

4.1.4.  to conduct market research;

4.1.5.  to conduct academic research which may be used to evaluate and improve
Discovery’s product offerings. You are advised that information may be shared
with third parties such as academics and researchers. All such information
collected will be kept strictly confidential and all data will be depersonalized
to the extent possible and where appropriate.  No personal information will be
made available to a third party unless such third party has agreed to abide by
strict confidentiality protocols.  If we publish the results of this research,
you will not be identified by name. 

4.2.  Your privacy is important to us and we will therefore not sell, rent or
provide your personal information to unauthorised third parties for their
independent use, without your consent. If at any stage after you have given
Discovery your consent you no longer wish Discovery to use or share your
personal information, you may at any stage withdraw your consent.

4.3.  You accept that we may store your personal information outside of the
region or country that you may submit or use it in.

5.  Location data

5.1.  Once you have given the Site access to your location, we collect the
latitude and longitude of your device/s as well as information relating to your
movement. Your location can be determined using the following:

5.1.1.  GPS;

5.1.2.  IP address;

5.1.3.  Sensor data from your devices; and;

5.1.4.  Cell phone towers and Bluetooth-enabled devices near your device.

5.2.  We use your location data for certain features on the Site such as
emergency assistance, finding a provider, ordering of medicine, or measuring
your driving to allocate rewards.

5.3.  If you would no longer like us to collect location data, you may adjust
your device settings. This will have an impact on certain features on the Site,
such as the ability to locate you in case of emergency..

6.  Protection of your Personal Information

6.1.  Discovery values the information that you choose to provide and will take
reasonable steps to protect your personal information from loss, misuse or
unauthorised alteration. The information Discovery has concerning Discovery
clients is stored in databases that have built-in safeguards to ensure the
privacy and confidentiality of that information.

6.2.  When you use the products, services, facilities, tools or utilities
provided by Discovery on the Site, you may be given an access number, user name,
password and/or personal identification number (PIN). You must always keep your
user name, access card, password and/or PIN a secret and ensure that you do not
disclose it to anyone.

7.  Correction of Personal Information

7.1.  If you ever want to update or correct any of your personal information
held by Discovery, you can e-mail us or you can phone our contact centre.

8.  Personal Information held by or disclosed by you or Discovery to a third
party

8.1.  Because Discovery is not responsible for any representations or
information or warranties or content on any third party website (including third
party websites linked to this website,  websites facilitated by us or websites
that serve as social networks like Facebook or Twitter), Discovery does not
exercise control over the privacy policies of these third parties and you should
refer to the privacy policy of these third parties to see how they protect your
privacy.

8.2.  Discovery may enter into arrangements with its partners or other third
party suppliers which will require us to disclose your personal information to
these third parties for the purpose of transferring data to us from a device(s)
that measures bodily functions or fluids. You hereby consent to Discovery
disclosing your personal information to these third parties for this purpose and
you also consent to receiving data about yourself from these third parties. If
at any time after you have given Discovery your consent you no longer wish to
disclose your personal information to these third parties, you may at any time
withdraw your consent.

9.  Cookies and Online advertising

9.1.  Discovery uses cookies. We use the word “cookie” to refer to information
that is sent from the Site to your hard drive, where it is saved. In this way,
the next time you use the Site, Discovery will know who you are and that you
have visited the Site before. We also collect information about how you use the
website, your preferences and past browsing history.

9.2.  Discovery engages third parties that help us deliver banner advertisements
and other online communications. The third parties may collect and use
information about Discovery customers to help us understand the offers,
promotions, and types of advertising that are most appealing to our customers.
The personal information they collect is aggregated and cannot be linked to a
person.

9.3.  Third party vendors, including Google and DoubleClick, show Discovery ads
on sites on the internet.

9.4.  Third party vendors, including Google and DoubleClick, use cookies to
serve ads based on a user's prior visits to Discovery’s website.

9.5.  Users may opt out of Google and DoubleClick's use of cookies by visiting
the Google advertising opt-out page or by visiting the Network Advertising
Initiative opt out page.

10.  Changes to this Privacy Policy

10.1.  Discovery may amend this privacy policy from time to time. We will give
you notice of any material changes within a reasonable time, however, we
recommend that you familiarise yourself with this privacy policy regularly.

10.2.  The current version of this privacy policy will govern the respective
rights and obligations between you and Discovery each time that you access and
use the Site

11.  Which laws apply to this Privacy Policy

11.1.  This privacy policy is governed by the laws of the Republic of South
Africa, and you consent to the jurisdiction of the South African courts in
respect of any dispute which may arise out of or in connection with the
formation, interpretation, substance or application of this privacy policy.

C.  Community Guidelines

These community guidelines complementary to, and should be read and understood
together with, the general terms and conditions of use set out in Section A
above.

1.  LivingVitality is an online extension of the Vitality programme, and allows
you, at any time, at any place, to join the journey of wellbeing, find the
credible advice you need, and have access to valuable tools and utilities to
realise your health goals. The Site has a community aspect, aimed at helping
people be inspired by the actions of key influencers, experts, friends and
people that share similar health and wellness interests and aspirations, for the
ultimate goal of helping you to positively change your behaviour.

2.  You are required to be 18 years of age to register on this Site.

3.  As part of this community aspect, you may post your personal opinions,
messages and ideas to the the Site and to the discussion forums available on the
Site.

4.  However, you undertake not to post content to the Site that may be illegal,
defamatory, infringing, harassing, obscene, commercial advertising, personal
marketing, profane, untrue, incorrect or harmful, or which Discoveryregards as
inappropriate, and you accept that Discovery may remove this content from the
Site.

5.  You are encouraged to report untrue, inaccurate, defamatory, illegal,
infringing and/or harmful content from the Site to Discovery, and Discovery
undertakes to correct and/or remove such content or any part thereof if it feels
that it is appropriate to do so.

6.  Discovery does not editorially control, filter or read your postings on the
Site on an ongoing basis, and you acknowledge and agree that Discovery shall not
be responsible, in any way, for any user postings. You also agree to indemnify
Discovery against any liability, claim, damage or loss of whatsoever nature that
may result from your posting(s) to the Site.

7.  You accept that the community aspect is integral to the Site and to the
LivingVitality concept, and agree to respect and abide by these community
guidelines at all times when accessing or using the Site, and to interact and
engage with fellow users with equal respect and dignity.

8.  Please note that as a user of any of our community websites, you determine
who will have access to your personal information when you invite them to view
your profile. Discovery cannot be responsible for any consequences that may
result from access that you may have provided to any individual.

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