Terms of Service

K2023120042 (South Africa) (Pty) Ltd t/a willandtrust.co.za

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1. About these terms and about us

1.1 These terms govern your use of willandtrust.co.za and our services. We are K2023120042 (South Africa) (Pty) Ltd, trading as willandtrust.co.za ("we", "us", the "Company"). By using this website, speaking to our AI assistant, submitting an enquiry, or asking us to contact you or refer you, you agree to these terms. If you do not agree, please do not use the service.

1.2 We have written these terms in plain language. If anything is unclear, contact us at lunleamk@gmail.com before relying on it.

1.3 This notice, together with our Privacy Policy and PAIA Manual, contains the information required by section 43 of the Electronic Communications and Transactions Act 25 of 2002.

2. What we do — and what we do not do

2.1 What we do. We are a marketing, lead-intake and referral business. We provide lead intake, factual qualification, scheduling, referral and administrative support for estate-planning and related financial-services journeys. We help you get organised and, where useful, connect you with qualified, independent advisors and product providers (including Capital Legacy) who provide the actual will-drafting, estate-planning, insurance and related services.

2.2 What we do not do. We are not a financial services provider, law firm, credit provider or debt counsellor. We do not provide regulated financial advice, legal advice, credit advice, debt counselling, tax advice, or recommendations about which product to buy. Any advice, will drafting, product recommendation or estate administration is provided by the independent, authorised third party we refer you to — under that party's own licence, mandate and responsibility — and not by us. Information we or our AI assistant give you during intake is general and factual only, and is not advice on which you should act without speaking to a qualified person.

2.3 Where this website describes services such as will drafting, estate planning or estate administration, those services are rendered by our authorised third-party partners, not by us. Each partner remains responsible for its own advice, products, documents and regulatory disclosures.

3. Our AI assistant

3.1 An AI assistant may help collect and summarise your information, handle calls, answer factual questions, route your enquiry and prepare a handoff to a human. It is not a human, an attorney, a financial adviser, an FSP representative, a credit provider or a debt counsellor, and it will tell you so.

3.2 You can ask for a human at any time. No decision that has a legal effect on you, or that significantly affects you (such as eligibility, affordability, suitability, advice or product selection), will be made solely by automated processing without human review. You may ask for human review of any such decision, make representations about it, and ask us to explain the main logic involved. Contact lunleamk@gmail.com to exercise these rights.

4. How you accept terms and give consent

4.1 You may accept these terms, and give or withhold consents and disclosures, by clicking, ticking a box, signing electronically, giving recorded verbal consent, or replying by email, SMS or WhatsApp, where the process lets you review, correct and withdraw before you finally submit. We keep a timestamped record of what you accepted and when.

4.2 Important — signing a will. A will cannot be signed electronically. Under the Wills Act 7 of 1953, a will must be signed at the end on paper by the testator (or by another person in the testator's presence and by the testator's direction), in the presence of two competent witnesses who are present at the same time. Any will prepared through a partner we refer you to must be printed and signed in this way to be valid.

5. Important notices

6. Cooling-off and cancellation

Where a product or transaction gives you a cooling-off, cancellation or withdrawal right, we (or the relevant provider) will tell you the applicable period before you sign or submit. For example, many long-term insurance policies carry a cooling-off right (commonly 14 days) from receipt of the policy documents, and a transaction resulting from direct marketing may carry a 5-business-day cooling-off right under section 16 of the Consumer Protection Act 68 of 2008. The exact right will be set out in the relevant product or transaction documents provided by the responsible provider.

7. Credit and loans

7.1 If lenders, affordability assessments or credit-bureau checks are ever involved in your journey, separate consents and regulated-party disclosures are required before any processing, under the National Credit Act 34 of 2005 and POPIA.

7.2 We are not a credit provider. We do not grant credit, guarantee approval, or set loan amounts, terms, interest, fees, affordability outcomes or credit decisions. Any lender remains responsible for its own credit decisions and disclosures.

8. Your commitments

You agree to: give accurate and complete information; review product documents, disclosures, fees, exclusions and cooling-off rights before signing anything; ask for human help if you are unsure; not rely on intake notes or AI summaries as advice; and understand that product suppliers, lenders, attorneys and authorised advisors remain responsible for their own advice, products and regulated documents.

9. Website use and intellectual property

9.1 The content of this website (text, layout, graphics, logos, scripts and software) belongs to us or our licensors. You may view and use it for your personal, non-commercial purposes. You may not copy, scrape, reproduce, distribute or create derivative works from it without our prior written consent.

9.2 You may not use this website unlawfully, attempt to gain unauthorised access to it, interfere with its operation, or submit false, misleading or third-party information without authority.

9.3 Links to third-party websites are provided for convenience only. We do not control and are not responsible for their content or their privacy practices.

10. Liability

10.1 We provide the intake, qualification, scheduling and referral service with reasonable skill and care. We are not responsible for the advice, products, decisions or documents of the third parties we refer you to; they are responsible for those.

10.2 Please read this clause carefully — it limits our liability. To the extent the law allows, we are not liable for indirect or consequential loss arising from your use of the website or our intake and referral services. Nothing in these terms excludes or limits liability that cannot lawfully be excluded, including under the Consumer Protection Act 68 of 2008, and nothing excludes liability for our fraud or gross negligence. Any limitation or assumption of risk is drawn to your attention here in plain language and does not deprive you of your non-excludable consumer rights.

11. Complaints

11.1 If you are unhappy with our service, contact lunleamk@gmail.com. We will acknowledge your complaint promptly, investigate it, and aim to resolve it within 15 business days. If we need longer, we will tell you why and when to expect an outcome.

11.2 Complaints about advice or a financial product must also follow the responsible financial services provider's or product supplier's complaints process, and thereafter the relevant Ombud (for example, the National Financial Ombud Scheme South Africa or the FAIS Ombud). We will give you the correct details for the responsible party where they apply.

11.3 Complaints about how we handle your personal information may also be made to the Information Regulator (South Africa) — see our Privacy Policy and PAIA Manual for details.

12. General

12.1 These terms are governed by South African law, and the South African courts have jurisdiction over any dispute that cannot be resolved between us.

12.2 We may update these terms from time to time. The current version, with its effective date, is always available at willandtrust.co.za/terms/. Material changes will be brought to your attention (for example, by notice on this website or by message to you) before they take effect.

12.3 If any clause is found to be invalid or unenforceable, the rest of the terms continue to apply. No failure by us to enforce a term is a waiver of it.

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K2023120042 (South Africa) (Pty) Ltd t/a willandtrust.co.za · Reg No. 2023/120042/07 · 185 Gingerbeer Road, Stanger, KwaZulu-Natal, 4450 · lunleamk@gmail.com · Version 1.0, effective 7 July 2026