The Change Exchange is an asking, learning, sharing, changing online space to help people navigate life’s big change moments.
It is made just for you by BrightRock to help you deal with life’s big changes and how they affect your life, your wellbeing and your pocket. Our contributors, known as Change Agents, share stories about the big changes that happen in life – Landing that Job, Tying the Knot, Starting a Family or Making a Home. The Change Exchange provides people with a safe space to share experiences and knowledge to help them cope with these big Change Moments.
BrightRock’s needs-matched life insurance is a world first – it’s made just for you at the start and then changes as your life changes. We know that people’s interest in life insurance is at the highest during Change Moments, because these are the times when their financial needs shift and grow. These Change Moments are precisely the times when our product is uniquely engineered to change in line with your changing needs. By engaging with you in conversations about change and the impact Change Moments have both on your personal and financial life, we hope to increase your awareness of how our needs-matched life insurance can offer the financial protection you need to secure your hopes and dreams.
Moderation policy
How and when we’ll moderate your comments
For the Website to live up to its name, we’ve got to make sure it’s a great space for you to ask questions, post comments and exchange ideas. So we’ve decided on a few non-negotiables when it comes to moderating your comments. We don’t want to cramp your style or bog you down in rules and red tape. But we do need to make sure you’re treated with the respect and dignity you deserve when commenting on our site, and that your rights are protected. And that depends on you returning the favour.
So please stick to these rules when commenting:
- No unlawful, defamatory, insulting, discriminatory, racist, sexist or homophobic
comments, or comments which would otherwise constitute hate speech; - No rude, offensive or obscene language, references or images, including sexually
offensive or sexually provocative content of any kind; - No abusive or aggressive language, including threats, harassment, insults or personal
attacks; - No content that would constitute, encourage or provide instructions for a criminal
offence, violate the rights of any party, or that would otherwise create liability or
violate any law; - No content that may infringe any patent, trade mark, trade secret, copyright or
other intellectual or proprietary right of any party; - No content that impersonates any person or entity or otherwise misrepresents your
affiliation with any person or entity, including BrightRock and/or the Website; - No spam, unsolicited promotions, product punts, political campaigning, advertising,
contests, raffles, self-promotion or solicitations, and no links to websites or blogs
where other services or products are marketed; - No invasive or intrusive questions, content that is invasive of another person’s
privacy, or content that contains the personal information of any third party; - No viruses, corrupted data or other harmful, disruptive or destructive files;
- No comments that detract from the quality and integrity of the Change Exchange’s
content, for example comments that are off-topic, irrelevant or misleading; and
no content or links to content that, in the sole judgment of BrightRock (a) violates
any of the above, (b) is objectionable, (c) restricts or inhibits any other person from
using or enjoying the Website, or (d) may expose BrightRock or its affiliates or users
to any harm or liability of any type.
Please remember that you are responsible for all content that you post on the Website. BrightRock takes no responsibility and assumes no liability for any comments posted by you or any third party, or for any loss or damage by such comments, nor is BrightRock liable for any mistakes, defamation, omissions, falsehoods, obscenity, pornography or profanity you may encounter. As a provider of interactive services, BrightRock is not liable for any statements, representations or content provided by its users in any public forum, personal home page or other interactive area. Although we have no obligation to screen, edit or monitor comments, we reserve the right, and have the absolute discretion, to screen, review, edit or delete without notice any comments posted on the Website at any time. We’ll do so if they are determined, in the sole discretion of BrightRock and/or the administrators of the Website, to be in breach of this Comment Policy. We also have the right to ban you from commenting on the Website entirely if we, in our sole discretion, feel it necessary.
But don’t worry – we’re not planning a moderation power trip anytime soon. We’ll use our better judgement and won’t be petty or unreasonable when we apply this policy.
Please do report problems, offensive content and behaviour that you believe to be in breach of this Comments Policy to us here.
TERMS OF USE
The Change Exchange (“the Website”) is owned and operated by BrightRock Life Ltd, an authorised financial services provider and registered insurer. Company registration no: 1006/-14618/06, FSP 11463. Please visit our corporate website, www.brightrock.co.za, for more information about BrightRock, including its contact information. Your access to, and use of, the Website is subject to the terms of use set out below, including the Comment Policy and Privacy Policy (together, “the Terms”). By using the Website, you expressly agree to be bound by the Terms. If you don’t agree to be bound by the Terms, please refrain from using the Website. For purposes of the Terms, “we”, “us”, “our” and “BrightRock” refers to BrightRock, while “you” refers to the customer visiting the Website and/or commenting on the Website, or his or her legal guardian.
GENERAL TERMS OF USE
1 Use of the Website
1.1 Use of the Website is solely at your own risk.
1.2 By registering with the Website, you agree to provide accurate and current information about yourself, and to update your information if it changes.
1.3 In using the Website, you will not at any time:
1.3.1 gain or try to gain unauthorised access to any part of the Website;
1.3.2 distribute or try to distribute any form of malicious or damaging code to or from the Website;
1.3.3 use or try to use any unauthorised technology, including unauthorised search technology, on the Website;
1.3.4 gather information about others without obtaining their prior written consent; or
1.3.5 engage in any form of unauthorised or unlawful activity or behaviour.
1.4 We will do our best to offer you the best possible service and to ensure the availability of the Website. However we take no responsibility for, and won’t be liable for, the Website being temporarily unavailable due to technical issues beyond our control.
2 Content of the Website
2.1 The content on the Website is supplied by BrightRock, as well as by various independent contributors, who are clearly identified as such. This information is for general entertainment and information purposes only and does not constitute advice or a recommendation of any nature. In particular, the information included on the Website does not constitute medical or financial advice, or any kind of medical, health or financial service.
2.2 We will make every effort to ensure the accuracy and quality of the content, tools, materials or information published on the Website. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, adequacy, reliability or suitability of the Website or the information, products, services, or related graphics contained on, or linked to, or accessible from, the Website.
2.3 Unless stipulated otherwise, BrightRock owns all copyright and other intellectual property rights in respect of the content, tools, materials, images, graphics, logos, designs, audio, downloads and other proprietary information that appears on the Website, the unauthorised use, copying, alteration, transfer or publication of which is strictly prohibited.
3 Third party websites
3.1 We have no control over the nature, content and availability of third party websites to which links appear on the Website. The inclusion of any such links on the Website does not necessarily imply a recommendation or endorse the views expressed within them.
3.2 We are not responsible or liable for the contents, maintenance of, or activities conducted on, any website to which this Website provides a link. Despite the fact that the Website may refer to or provide links to other websites, your use of such other websites is entirely at your own risk and we are not responsible for any loss, expense, claim or damage, whether direct, indirect, special or consequential, arising from your use of such other websites or your reliance on any information contained in such other
websites.
4 Disclaimer
4.1 In no event will we be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits, arising out of, or in connection with, the use of this Website, whether under delict, contract, warranty, strict liability or negligence and whether or not we were advised, knew or should have known of the possibility of such loss or damage. To the extent allowed by law, you hereby indemnify BrightRock, its affiliates, subsidiaries, employees and agents against any loss, claim or damage which may be suffered by you or any third party arising in any way from your use of the Website.
4.2 We make no warranty or representation, whether express or implied, that the information or files available on this website are free of viruses, destructive materials or any other data or code which is able to corrupt, compromise, jeopardise, disrupt, disable, harm or otherwise impede in any manner the operation of a computer system, computer network or your hardware or software.
5 Violation of Terms
In the event you violate these Terms, BrightRock has the right to terminate your access to the Website and take whatever additional steps it deems necessary. These steps may include claiming damages (including special, incidental, consequential or indirect damages), as well as claiming for loss of profits and loss of business.
6 General
6.1 We may change the Terms from time to time. It is a good idea to check them regularly to make sure that you are familiar with the Terms applicable at the time of use.
6.2 The individual provisions that make up the Terms are independent and severable from one another. This means that if a specific provision is invalid or unenforceable for any reason, this will not affect the remaining provisions, which will remain valid and enforceable.
6.3 No relaxation or indulgence granted to you by BrightRock, or failure to enforce rights, will amount to a waiver or abandonment of those rights by BrightRock, nor preclude BrightRock from exercising those rights in the future.
6.4 BrightRock is not bound to any express or implied term, representation or warranty not recorded in these Terms.
6.5 The Terms are governed by, and to be interpreted in accordance with, the law of the Republic of South Africa.
6.6 You agree that if any legal dispute arises from your use of this Website, such dispute will fall under the jurisdiction of the relevant South African courts.
PRIVACY POLICY
1. When you use the Website, information about you is transmitted electronically, processed, collated and stored by BrightRock. We respect your privacy. We won’t sell, rent or provide your personal information to third parties unless:
(i) you consent to our doing so;
(ii) we are required to do so by law; or
(iii) we are ordered to do so by any regulatory authority.
2. We take all reasonable steps to protect your personal information and maintain its confidentiality. We can’t, however, guarantee the security or integrity of the information you provide to us electronically. You do so at your own risk, and in no event will we be liable for any loss or damage whatsoever, including without limitation, indirect or consequential loss or damage, or any loss or damage relating to loss of data or profits, arising from or in connection with a security breach in relation to, or loss or destruction of, your information.
3. We use the information we collect about you to communicate with you but also to improve our service, monitor the usage and performance of the Website and communicate with you. This information is aggregated but, if you tell us not to use your personal information, we won’t.
4. We may use technology to gather information about your use of the Website including details of your operating system, browser version, domain name, and IP address (the IP address is a string of numbers that tells us which server you are using but does not identify you). This information is sometimes called ‘clickstream data’ and we use cookies to collect some of this information. For more information on cookies and how to disable them in your browser, click here.
5. We are entitled to share aggregated information (for example, demographic data) with our stakeholders and business partners without disclosing any personal details.