Terms of Service

1. Acceptance of Terms

By using this website or engaging our services, you agree to these terms. If you do not agree, please do not use our services.

2. About Our Services

OceanMind is an independent insurance broker. We do not underwrite insurance; we compare, recommend, and arrange cover with licensed insurers on your behalf. Any insurance policy you take out is a contract between you and the insurer.

3. Information on This Website

The content on this website is for general information only. It does not constitute financial advice. For personalised advice tailored to your circumstances, please contact one of our authorised advisors.

4. Quotes and Recommendations

Any quotes provided are indicative and subject to the insurer's underwriting, your disclosure of material facts, and final policy terms. We recommend you carefully review all policy documents before accepting cover.

5. Your Obligations

You agree to provide accurate and complete information when requesting quotes or arranging cover. Misrepresentation or non-disclosure may invalidate your insurance. You agree to use this website lawfully and not attempt to disrupt or compromise its security.

6. Fees and Commissions

We earn either a disclosed commission from the insurer, a flat advisory fee, or a combination — always agreed with you upfront. Full fee disclosure is provided before you accept any recommendation.

7. Limitation of Liability

While we take care in providing our services, OceanMind is not liable for any indirect, incidental, or consequential losses arising from use of this website or reliance on general information provided. Our liability for professional services is as set out in your engagement letter and our professional indemnity cover.

8. Intellectual Property

All content on this website — including text, images, logos, and design — is owned by OceanMind or licensed to us. You may not reproduce it without written permission.

9. Regulatory Information

OceanMind is authorised as a Financial Services Provider (FSP) in South Africa. Full regulatory disclosure — including our FSP number, compliance officer, professional indemnity cover, and complaints procedure — is available on our

Regulatory Info page.

10. Governing Law

These terms are governed by South African law. Any disputes will be subject to the jurisdiction of South African courts.

11. Document control

Effective date: April 2026 Version: 1.0 Next review: April 2027 Owner: OceanMind (Pty) Ltd These terms are reviewed annually and following any material change to OceanMind's services or the regulatory framework. The current version is published on this page.