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Unu Health Care Ops Platform · Legal
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Terms of Service

Last updated: 15 May 2026

1. Parties and Agreement

These Terms and Conditions ("Terms") constitute a binding agreement between West Technology Group (Pty) Ltd (Reg. 2023/0672402/07) ("the Company", "we", "us", "our"), the operator of the Care Ops platform ("Platform"), and you, the user accessing or using the Platform ("User", "you").

By registering for or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the Platform.

2. Description of the Platform

Care Ops is a cloud-based insurance administration platform that enables authorised users to manage policies, beneficiaries, groups, broker organisations, and related insurance operations. The Platform includes an AI-powered assistant, health assessment tooling, communication workflows, and reporting capabilities.

Access to the Platform is provided on a subscription or licence basis to corporate entities ("Tenants") and their designated users. Individual consumer registration is not offered.

3. User Accounts and Access

  1. Access is provisioned by a Tenant administrator via email invitation. You are responsible for keeping your credentials confidential.
  2. You must not share your account credentials or permit unauthorised access to your account.
  3. You must enable multi-factor authentication (MFA) if required by your Tenant's security policy. The Company recommends enabling MFA for all accounts.
  4. You are responsible for all actions performed under your account. Notify the Company immediately if you suspect unauthorised use.
  5. Accounts inactive for more than 12 months may be deactivated. Tenants are responsible for removing access for former employees or contractors promptly.

4. Permitted Use

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

  • Use the Platform to process personal information for a purpose other than that stated in your agreement with the Company.
  • Attempt to gain unauthorised access to any part of the Platform or its underlying infrastructure.
  • Introduce malicious code, conduct denial-of-service attacks, or perform penetration testing without prior written consent.
  • Scrape, harvest, or systematically download data from the Platform.
  • Use the Platform in a manner that violates any applicable law, including POPIA, the Electronic Communications and Transactions Act, or the Financial Advisory and Intermediary Services Act.
  • Misrepresent the source of personal information entered into the Platform.

5. Data and Privacy

  1. You acknowledge that the Platform processes personal information as described in our Privacy Policy and POPIA Manual.
  2. Where you enter personal information belonging to third parties (such as policy beneficiaries), you warrant that you have the necessary legal authority or consent to provide that information and that its processing on the Platform is lawful.
  3. You must not enter false, fabricated, or fraudulent personal information into the Platform.
  4. The Company acts as a responsible party for user account data and as an operator for policy beneficiary data processed on behalf of the Tenant.

6. Intellectual Property

  1. All intellectual property in the Platform — including its software, design, branding, and documentation — belongs to the Company or its licensors.
  2. You are granted a limited, non-exclusive, non-transferable licence to use the Platform for the duration of your subscription agreement. No other rights are granted.
  3. Data entered by the Tenant into the Platform remains the intellectual property of the Tenant. The Company has no claim to that data beyond what is necessary to provide the service.

7. Availability and Maintenance

  1. The Company will use reasonable endeavours to maintain Platform availability of 99.5% per calendar month, excluding scheduled maintenance windows.
  2. Scheduled maintenance will be communicated at least 48 hours in advance where possible.
  3. The Company is not liable for downtime caused by third-party services, force majeure events, or actions outside its reasonable control.

8. Limitation of Liability

  1. The Company's total liability to you for any cause of action arising under or in connection with these Terms shall not exceed the fees paid by the Tenant in the 12 months preceding the event giving rise to the claim.
  2. The Company is not liable for any indirect, special, incidental, or consequential loss, including loss of data, loss of profit, or business interruption, even if advised of the possibility of such loss.
  3. The Company is not liable for the accuracy or completeness of data entered by users into the Platform.

9. AI-Powered Features

  1. The Platform includes AI-powered features (including a health assessment interview and an administrative assistant) powered by third-party large language models.
  2. AI-generated outputs are provided for informational and operational assistance purposes only. They do not constitute legal, medical, actuarial, or financial advice.
  3. You must review and verify any AI-generated outputs before relying on them for underwriting, claims, or other decisions.
  4. Health interview conversations may be reviewed by the Company for quality assurance and POPIA compliance purposes.

10. Termination

  1. The Company may suspend or terminate your access immediately if you breach these Terms, engage in fraudulent activity, or if required by law.
  2. On termination of the Tenant's subscription, the Company will provide the Tenant with a data export within 30 days, after which the Tenant's data will be purged from active systems within 90 days, subject to any statutory retention obligations.

11. Governing Law and Disputes

These Terms are governed by the laws of the Republic of South Africa. Any disputes arising from or in connection with these Terms shall be subject to the exclusive jurisdiction of the South African courts, with venue in Cape Town.

12. Amendments

The Company may update these Terms from time to time. Material changes will be communicated to Tenant administrators via email at least 30 days before the change takes effect. Continued use of the Platform after the effective date constitutes acceptance of the revised Terms.

13. Contact

For queries regarding these Terms, contact us at: matthew@w-tg.co.za or 4 Montrose St, Newlands 7700, Cape Town, South Africa.