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Terms and conditions

Terms and Conditions of Use: 

These Terms and Conditions (“the Terms and Conditions”) govern your (“the User”/”You”) use of the Calreg contact program. By accessing and using this Website, the user agrees to be bound by the Terms and Conditions set out in this legal notice. If the user does not wish to be bound by these Terms and Conditions, the User may not access, display, use, download, and/or otherwise copy or distribute any Content obtained from the Website. These Terms and Conditions become effective when you access the site for the first time and constitute a binding agreement between Calreg and the user, which will always prevail. The current version of these Terms and Conditions will govern our respective rights and obligations each time you access this site.


As you are about to interact with Calreg we am sure that you would like to know who you are dealing with; please read through this letter; hopefully it will give some insight as to who I am and what services I can provide.


Financial planning is what we do; be it Assurance, Investments, Insurance and Medical Aid. Sound planning is needed to protect you and those close to you from the inevitable challenges that life throws our way. That cover should include your Medical Aid, Personal Effects, Investments and Life Cover for you and your family.

It is, therefore, important that you have the utmost confidence in your financial advisor. Calreg, headed up by David Counihan, licence number is 27320. Mr Counihan has been in the industry since 2000, initially as an independent broker; then as the Regional Manager for a Product Provider. He started Calreg in 2006 to better meet the needs of people like you.

Calreg is not affiliated to any insurer, although we are accredited intermediaries for all the bigger companies. This independence allows us to provide you with an unbiased assessment of your portfolio, and select the products which best meet your needs at the time. Ensuring the most effective cover at the best price

All though we are not legally required to have external governance, it was chosen to ensure that Calreg’s advice service and support are above industry benchmarks. Supporting us is a national specialist strategic supplier – the Masthead Financial Advisors Association, who provides external oversight to business practices and legal compliance, ensuring we are working in your best interests. Subscription to Masthead costs Calreg and is voluntary; thus it demonstrates our commitment to provide superior service and advice. We strive to go beyond legal requirements in disclosure and information provided.

The combination is proving to be a winning formula for clients like you. We believe in assessing our client’s full portfolio – including medical, life, business and short term insurance. Our research and systems make it possible to compare the many options available in the market-place and to tailor a portfolio for you.

Most importantly, we go into the fine print. Many people do not realize just how much their policy excludes. This only comes to light when they try to claim. As your broker, we would of course also act on your behalf in the case of a claim.





In an attempt to be fair and transparent it is important you must know what products and services Calreg  is licensed to provide, we would like to bring the following information to your attention:

All information obtained or acquired about you shall remain confidential unless you provide written consent, or unless I am required by any law to disclose such information.

Calreg is I authorised in the following areas of financial planning:

Category 1

1.1 Long-Term Insurance: Category A                                                             (Funeral policies)

1.2 Short-Term Insurance: Personal Lines                                                      (Domestic short term Insurance)

1.3 Long-Term Insurance: Category B                                                              (Endowments & savings via LISP’s)

1.4 Long-Term Insurance: Category C                                                              (Risk Policies – death, disability, dreaded disease, etc)

1.5 Retail Pension Benefits                                                                                (Retirement Annuities)

1.6 Short-Term Insurance: Commercial Lines                                                (Commercial short term)

1.7 Pension Fund Benefits (excluding Retail Pension Benefits) (Provident & pension funds)

1.16 Health Service Benefits                                                                             (Medical Aids)

Calreg has written authority to market the products as per the table below

Calreg does do not hold more than 10% of the shares issued by any product supplier. I am remunerated for my services by being paid commission from the product supplier and by charging fees.

Calreg holds professional indemnity insurance, guarantees or fidelity insurance.

Compliance with the FAIS Act is monitored by Masthead Distribution Services (Pty) Ltd, a compliance practice approved by the Financial Services Board. Their postal address is PO Box 856, Howard Place, 7450. Their contact numbers are 021 686 3588(t) and 021 686 3589(f)

Calreg’s membership of Masthead Financial Advisors Association ensures that Calreg is at the forefront with Clear, Independent & Unbiased Advise Masthead’s membership ensures that Calreg maintains the highest industry standards and is kept abreast of industry developments. Masthead’s monthly subscription fee ensures Calreg’s compliance & practice management combined with technology support are the latest and amongst the best.

This support helps Calreg to provide you with a more professional service. The compliance service ensures that my business remains fully compliant with FAIS legislative requirements and therefore that you, as client, receive sound financial advice. Through the practice management support, Calreg is able to run a more professional business and therefore able to provide you with an improved service and enhanced support.

Calreg may from time to time receive non-cash incentives from product suppliers or indirect consideration from other persons. A register with details of such non-cash incentives or indirect consideration as well as Calreg’s Conflict of Interest Policy is available on request.

In the event that you are dissatisfied with any aspect of Calreg’s service, you should address your complaint in writing to Calreg at P.O. Box 40176, Walmer, 6065. A copy of Calreg’s Complaints Resolution Policy is available on request.



ABSA                            Alt Risk                         Auto & General          Bestmed                      Bonitas

Chartis                         Discovery                    Fedhealth                    Hollard                         Liberty

Medihelp                    Medshield                   Metropolitan              Mutual & Federal       Oakhurst

New National              Old Mutual                  One Card                     Pharos                          Profmed

Regent                         Resolution                   Sanlam                         Santam                         Selfmed

Sizwe                            Spectramed                Stratum                        Topmed                       Tuffstuff

Turnberry                   Unity

Privacy and Security:

Calreg receives various types of information from users who access the contact program. Calreg will make every effort to protect any information received through it. Despite such undertaking, it is possible for Internet-based communications to be intercepted. Without the use of encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging.  Calreg will not be responsible for any damages the user or any third party may suffer as a result of the transmission of confidential or personal information that the user submitted to Calreg through the Internet, or that the user expressly or implicitly authorised Calreg to receive, or for any errors or any changes made to any transmitted information. Calreg will not distribute your information to anyone apart those required to in the execution of business with and on behalf of you.

Updating of these Terms and Conditions:

Calreg reserves the right to, amend, change, modify, add to or remove from portions or the whole of these Terms and Conditions from time to time. Changes to these Terms and Conditions will become effective upon such changes being posted to the Website of the users. By accessing the Website You are bound to the version of the Terms and Conditions published here at the time of any visit to the Website. You agree to view the current version each time you access the contact program. The user’s continued use of this contact program following the posting of changes or updates will be considered notice of the user’s acceptance to abide by and be bound by these Terms and Conditions, including such changes or updates.

Calreg reserves the right to make any changes to the Quotation Programs, Contact and information requirements, the Content, or to products and/or services offered through Quotations Programs at any time and without notice. A certificate signed by the administrator responsible for maintaining the Quotations Programs will be prima facie proof of the date of publication and content of the current version and all previous versions of the Terms and Conditions.

Copyright and Intellectual Property Rights:

Calreg provides the system technology in the contact program. All such proprietary works, and the compilation of the proprietary works, are copyright of Calreg and is protected by South African and International copyright laws.

Any unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other circulation or exploitation of the system or content or any component thereof will constitute an infringement of such copyright and other intellectual property rights; save that you may use the system or any component thereof for the purposes of processing an insurance quotation though the Calreg contact program.

Software Downloads:

Software, if any, made available for download on or via the Website may be governed by license conditions that establish a legal relationship with the licensor. The User indemnifies Calreg against any breach of these license conditions. Calreg gives no warranty and makes no representation, whether express or implied, as to the quality or fitness for purpose of the use of such software.

No warranty, whether express or implied, is given that any files, downloads or applications available via the Website is free of viruses, Trojans, bombs, time-locks or any other data or code which has the ability to corrupt or affect the operation of the User’s computer, database, network or other information system.

Termination, Suspension and Limitation:

Calreg reserves the right to: 

Modify, suspend or discontinue the contact program, whether temporarily or permanently, without notice;

Impose limits or conditions on certain services, features or functions; and

Restrict access to parts of or all of the services on the contact program

Disclaimer and Limitation of Liability:

Although Calreg  has taken reasonable care to ensure that the content on the contact program is accurate and that the user will not suffer loss or damage as a result of their use of the contact program, the contact program is provided on an “as is” basis. Use of the contact program is entirely at the user’s own risk. The user assumes full responsibility for any loss or damage resulting from their use of the Website and or contact program and their reliance on any of the content or a part/s thereof, contained on the Website or contact program.

The Website and the contact program and all content on the Website or contact program, including any current or future offer of products or services, are provided on an “as is” basis, and may include inaccuracies or typographical errors. Calreg makes no warranty or representation as to the availability, accuracy or completeness of the content. Calreg shall not be held liable for any direct or indirect, special, consequential or other damage of any kind whatsoever suffered or incurred, related to the use of, or the inability to access or use the content or the Website or any functionality thereof, or of any linked website.

 Without derogating from the generality of the above, Calreg will not be liable for: 

Any interruption, malfunction, downtime or other failure of the Website or related database, system or network, for whatever reason;

Any loss or damage in respect of customer data or other data, directly or indirectly, caused as a result of any malfunction of the Website or related database, system or network, power failures, unlawful access to or theft of data, computer viruses or destructive code on the Calreg CC’s contact program or the Website or related database, system or network, programming defects or negligence; or

Any event over which Calreg has no direct control.


The User unconditionally and irrevocably indemnifies and holds Calreg harmless against all and any loss, liability, actions, lawsuits, proceedings, costs, demands and damages of all and every kind, (including direct, indirect, special or consequential damages), and whether in an action based on contract, negligence or any other action, arising out of or in connection with the failure or delay in the performance of the services offered on the Website, the use of the services offered on the Website, the content available on the Website or any other matter, directly or indirectly, related to the User’s use of the Website, whether due to Calreg ’s negligence or not.


The headings of the clauses in the Terms and Conditions are provided for convenience and ease of reference only and will not be used to interpret, modify or amplify the terms of the conditions.

The Terms and Conditions are severable, in that if any provision is determined to be illegal or unenforceable by any court of competent jurisdiction, then such provision shall be deemed to have been deleted without affecting the remaining provisions of the Terms and Conditions.

The Terms and Conditions, as varied by Calreg from time to time, constitute the entire and sole agreement between Calreg and the user with regard to the use of the contact program.

Nor the user nor Calreg shall be bound by any express or implied representation, warranty, promises not recorded herein. These Terms and Conditions supersede and replace all prior commitments, undertakings or representations, whether written or oral, between the user and Calreg  in respect of the subject matter hereof.

Calreg shall be entitled to cede, assign and delegate all or any of its rights and obligations in terms of these Terms and Conditions.