Terms and Conditions

Please read these terms carefully before using Peaceguard

Last Updated: September 07, 2026

1. Introduction

Welcome to Peaceguard ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your use of the Peaceguard website, mobile application, and services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Service.

Peaceguard is a family support service that helps individuals document where their policies, financial products, and important records are kept so that their loved ones can find them when needed.

2. Definitions

  • "Service" refers to the Peaceguard website, mobile application, and all related services.
  • "User" refers to any individual who registers for or uses the Service.
  • "Account" refers to the user account created when you register for the Service.
  • "Content" refers to any information, data, text, or other materials provided by users through the Service.
  • "Policies" refers to insurance policies, financial products, and other important records stored on the Service.

3. Account Registration and Security

3.1 Account Creation

To use certain features of the Service, you must register for an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for safeguarding your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other security breach. We will not be liable for any loss or damage arising from your failure to comply with this security obligation.

3.3 Age Requirement

You must be at least 18 years old to register for an account and use the Service. By registering, you represent and warrant that you are at least 18 years old.

4. User Content and Data

4.1 Your Content

You retain all rights to the Content you submit, post, or display on or through the Service. By submitting Content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, and display such Content solely for the purpose of providing and improving the Service.

4.2 Data Storage

We store your Content securely using industry-standard encryption and security measures. Your data is stored in compliance with the Protection of Personal Information Act (POPIA) of South Africa.

4.3 Data Ownership

You own all Content you submit to the Service. We do not claim ownership of your Content. You are solely responsible for the accuracy, legality, and appropriateness of your Content.

5. Privacy and Data Protection

5.1 Personal Information

We collect and process personal information in accordance with our Privacy Policy and the Protection of Personal Information Act (POPIA) of South Africa. We are committed to protecting your privacy and handling your personal information with care.

5.2 Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized or unlawful processing, accidental loss, destruction, or damage.

5.3 Third-Party Access

We do not sell, rent, or share your personal information with third parties for their marketing purposes. Your data is only shared with third parties as necessary to provide the Service or as required by law.

6. User Obligations and Conduct

6.1 Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Service in any way that violates any applicable law or regulation.
  • Post or transmit any Content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable.
  • Impersonate any person or entity or falsely state or misrepresent your affiliation with a person or entity.
  • Attempt to interfere with or disrupt the Service or servers or networks connected to the Service.
  • Attempt to gain unauthorized access to any portion of the Service or any other systems or networks.

6.2 Accuracy of Information

You are responsible for ensuring that all information you provide to the Service is accurate and complete. We rely on the information you provide to provide the Service, and inaccurate information may affect the ability of your loved ones to locate important policies and records.

7. Service Availability and Modifications

7.1 Service Availability

We strive to provide the Service consistently and reliably. However, we do not guarantee that the Service will be uninterrupted, secure, or error-free. We may experience temporary interruptions due to maintenance, upgrades, or other factors.

7.2 Modifications to Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

8. Termination

8.1 Termination by User

You may terminate your account at any time by contacting our support team or through the account settings. Upon termination, we will delete your account and associated data in accordance with our data retention policies.

8.2 Termination by Peaceguard

We reserve the right to terminate or suspend your account and access to the Service at our sole discretion, without prior notice, for conduct that we believe violates these Terms or is harmful to other users of the Service, us, or third parties, or for any other reason.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PEACEGUARD AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AND SUPPLIERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE SERVICE EXCEED THE AMOUNT PAID BY YOU TO US FOR THE SERVICE DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.

11. Indemnification

You agree to indemnify, defend, and hold harmless Peaceguard and its directors, officers, employees, agents, and suppliers from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the Service, your violation of these Terms, or your violation of any rights of any third party.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of South Africa.

13. Changes to Terms

We reserve the right to update or modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting the updated Terms on the Service. Your continued use of the Service after the posting of changes constitutes your acceptance of such changes.

We encourage you to review these Terms periodically to stay informed about any changes. The "Last Updated" date at the top of these Terms indicates when the latest changes were made.

14. Contact Information

If you have any questions, concerns, or comments about these Terms, please contact us:

15. POPIA Compliance

Peaceguard is committed to complying with the Protection of Personal Information Act (POPIA) of South Africa. We take your privacy seriously and handle your personal information with the utmost care.

  • We collect and process personal information only for legitimate purposes.
  • We implement appropriate security measures to protect your personal information.
  • We respect your rights to access, correct, and delete your personal information.
  • We do not retain your personal information longer than necessary.
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