Terms, Conditions, Privacy & Subscription Policy

CheckiCover processes personal information in accordance with the Protection of Personal Information Act (POPIA), Act 4 of 2013.

We may collect identity information, contact details, policy information, beneficiary information, wills, insurance policies, and other documents uploaded by users.

Information is processed solely for:

• Secure document storage
• Beneficiary management and verification
• Policy tracing and retrieval
• Customer support
• Billing and subscription administration
• Compliance with legal obligations

Users have the right to access, correct, object to processing, or request deletion of personal information subject to legal and operational requirements.

CheckiCover shall:

• Treat all personal information as confidential.
• Restrict access to authorised personnel only.
• Implement encryption and appropriate security safeguards.
• Notify users of material security breaches where required by law.

Users may receive a free trial period. A valid payment method is required to activate the trial.

No charge is made during the trial period.

If the user does not cancel before the trial expires:

• The subscription automatically converts to a paid subscription.
• The stored payment method is automatically charged.
• Billing continues monthly until cancelled.

Users may cancel at any time.

If cancelled during the trial:

• No subscription fee is charged.

If cancelled after billing starts:

• Access remains active until the end of the paid billing period.
• No partial refunds are issued unless required by law.

CheckiCover provides secure storage for insurance policies, wills, and other important documents.

While the subscription remains active:

• Users have full access to their stored information.
• Beneficiary services remain active.

Following cancellation or prolonged non-payment:

• Access may be suspended.
• Beneficiary access functionality may be restricted.
• Data may be retained for a limited retention period before deletion.

Beneficiary access following death is subject to verification procedures and applicable law.

CheckiCover may use third-party providers including cloud hosting providers, payment processors, communication providers, auditors, legal advisors, and verification partners.

Personal information is never sold.

Users may:

• Request access to personal information.
• Correct inaccurate information.
• Request deletion where legally permissible.
• Withdraw consent where applicable.

Requests may be submitted to: admin@checkicover.co.za

How CheckiCover Works

• You receive a free trial.
• You must add a payment card to start the trial.
• You are not charged during the trial.
• If you do not cancel before the trial ends, your subscription starts automatically.
• You can cancel anytime.
• Your documents remain accessible while your subscription is active.
• If you stop paying, access may be restricted and data may eventually be deleted.
• Beneficiaries may gain access to information after verification if something happens to you.
• Your information is protected under POPIA and industry-standard security measures.

By creating an account, starting a free trial, or using CheckiCover, you acknowledge and agree that:

• You have read these Terms.
• You consent to the processing of personal information.
• You authorise automatic billing after the trial period unless cancelled.
• You understand that document access depends on an active subscription.
• You understand that beneficiary access is subject to verification and applicable law.