Page 98 - Hollard Private Portfolio - Version 3.4

○ Your rights in a farm, professional practice, company, partnership, close corporation where financial gain or
○ potential financial gain may be enjoyed by you or any other business-related activity or entity.
○ Your rights or obligations as a director or officer under the Companies Act of 2008.
○ Copyrights, patents, trademarks or other intellectual property rights or matter falling within the ambit of fiscal laws and mineral rights.
○ Commission claims by or against you as an agent or principal other than out of full-time employment.
○ Insolvencies, liquidations, sequestrations, and rehabilitations.
○ Transfer fees, duties and bond registration fees for the purchase or sale of immovable property.
○ Expert fees such as payment of doctors for medical reports and transcription of documents.
Criminal charges or proceedings Data loss
Data loss because of data being compromised.
Defamation or false communication
Defamation or false communication by or against you that:
○ harms a person's reputation;
○ lessens the respect in which he is held; or
○ prompts hostile opinions against the person.
Matters outside South Africa
○ We cover civil and labour matters within South Africa only.
○ Legal costs claims related to any proceedings or matters outside the jurisdictional limits of South Africa are
excluded.
○ Only South African citizens, who are permanently resident in South Africa, are covered under this policy.
Other instances
We will not cover legal costs if:
○ You claim against us, our employees or agents.
○ You do not have ownership or financial interest in the matter.
○ You do not have reasonable prospects of success as determined by ourselves. If you proceed at your own cost and you are successful, we will pay you back up to the limit shown in your policy schedule.
○ You acted intentionally.
○ You started proceedings based on hatred, aggravation or for the purpose of revenge.
○ You act as agent, executor or trustee of another person’s estate or legal entity.
○ Your claim relates to an oral contract or partly written contract.
○ The cause of the legal action happened outside the period of insurance or during the waiting period.
Racism
We do not cover legal costs or expenses relating to racism in any instance, regardless of whether you are the defendant or the accused.
Rental of residential property
○ Your rights or obligations as a landlord or owner of rental property.
○ Tenant evictions or recovery of outstanding rental.
Rights of other persons
○ ○
If you signed surety and want to sue or defend.
When you assign or delegate your rights to another person who is not insured under this policy.
Legal costs
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Hollard Private Portfolio – Version 3.4 – 17 Aug 2023