Common use of Second Option Clause in Contracts

Second Option. If You have chosen a Lawyer who is not a Network Lawyer, You must provide Us with an Official Claim Form (if We have not received it yet), within 7 days of consulting with that Lawyer. Please be aware that the Lawyer: - may not be prepared to charge at Our Tariffs or, - may not agree to assist You to comply with Our reasonable requests for relevant information. It is in Your own interests to clarify the 2 points above with Your Lawyer. If You or Your Lawyer do not provide Us with information We reasonably need to process Your Insurance claim, We will not pay any of Your legal expenses. If Your Lawyer agrees to co-operate but does not agree to charge at Our Tariffs, We will adjust the Lawyer’s total charges to Our Tariffs and pay that amount. You will then be personally responsible to pay the shortfall to Your Lawyer out of Your own pocket. Refer to Diagram. SECTION 12 Payment of Premiums, Exchange of Information, Communication and Leniency SECTION 13 Premium Increase, Change of Terms and Cancellation 1. Payment of Premiums a) The monthly premium is due on the 1st (first) day of every month, even though We may collect it at any time up to the end of a month. b) You must make sure that premiums are paid, even if someone else pays them on Your behalf. c) If a debit order deduction is not successful for whatever reason on the premium due date, resulting in Your Membership going into arrears, We may do a double premium deduction from Your nominated bank account on the next premium due date. d) If You pay by debit or stop order: i. We do not pay the collection costs and any unusual additional fees or charges by Your bank; ii. If You want Us to change or cancel Your debit or stop order arrangement, You must contact Us at least 30 days before the existing collection date. 2. Exchange of Information and Confidentiality a) We are committed to Protecting Your privacy and have thus implemented appropriate measures to keep Your information complete, secure, and accurate and in accordance with applicable privacy legislation. b) You agree to provide Your personal information to gain access to Our products and services and to allow Us to administer Your Insurance product and/ or to advance Your case. c) You agree that We can provide any information (including personal information), to Your Lawyer or applicable third party if it is needed to handle Your Case or if a law or Court requires us to do it. d) You agree that your Lawyer or any other person who has it can provide Us with any information (including personal information) which relates to Your insurance product or Case if it is needed. e) You are entitled to 1) request the details of Your personal information We have in Our records 2) request the details about the recipients of Your personal information, and 3) request for the amendment or deletion of Your personal information. 3. Communicating with You a) We will send all general communications to the Main Member’s contact details on record. b) We may send any document or communication that is part of, or that We issue in terms of the Agreement, by mail, email, SMS, website post, App or fax. c) If You change Your contact details You must please let Us know. We will send You an acknowledgement within 10 business days. Please let Us know if You do not receive it. d) If any Member communicates with Us about his/her Insurance claim, We will respond to that Member.

Second Option. If You have chosen a Lawyer who is not a Network Lawyer, You must provide Us with an Official Claim Form (if We have not received it yet), within 7 days of consulting with that Lawyer. Please be aware that the Lawyer: - may not be prepared to charge at Our Tariffs or, - may not agree to assist You to comply with Our our reasonable requests for relevant information. It is in Your own interests to clarify the 2 points above with Your Lawyer. If You or Your Lawyer do not provide Us with information We reasonably need to process Your Insurance claim, We will not pay any of Your legal expenses. If Your Lawyer agrees to co-operate but does not agree to charge at Our Tariffs, We will adjust the Lawyer’s total charges to Our Tariffs and pay that amount. You will then be personally responsible to pay the shortfall to Your Lawyer out of Your own pocket. Refer to Diagram. SECTION 12 Payment of Premiums, Exchange of Information, Communication and Leniency SECTION 13 Premium Increase11 CONTINUED Let’s say We could not persuade ▇▇▇▇▇’s employer to re-instate him and the Maximum Limit is R40,000. We will pay his legal expenses up to that limit. Scenario 1 Scenario 2 A Network Lawyer who is a labour specialist and agrees to work according the Membership Terms. The Lawyer deals directly with us in connection with payment for work done. The Lawyer does the work and charges at Our Tariffs. The final bill comes to R40,000, Change We pay R40,000, ▇▇▇▇▇ pays nothing. Another Lawyer, not on the Network. Specialty unknown. The Lawyer does not agree to charge at Our Tariffs but agrees to provide a detailed invoice to ▇▇▇▇▇ or Us. We will pay ▇▇▇▇▇ or his Lawyer subject to the Main Membership Agreement and Our Tariffs. The Lawyer charges his/ her own rates. The final bill comes to R75,000. We may pay R40,000 based on an estimate. In that case, ▇▇▇▇▇ must pay his Lawyer the balance of Terms and CancellationR35,000. 1. Payment of Premiums a) The monthly premium is due on the 1st (first) day of every month, even though We may collect it at any time up to the end of a month. b) You must make sure that premiums are paid, even if someone else pays them on Your behalf. c) If a debit order deduction is not successful for whatever reason on the premium due date, resulting in Your Membership going into arrears, We may do a double premium deduction from Your nominated bank account on the next premium due date. d) If You pay by debit or stop order: i. We do not pay the collection costs and any unusual additional fees or charges by Your bank; ii. If You want Us to change or cancel Your debit or stop order arrangement, You must contact Us at least 30 days before the existing collection date. 2. Exchange of Information and Confidentiality a) We are committed to Protecting Your privacy and have thus implemented appropriate measures to keep Your information complete, secure, and accurate and in accordance with applicable privacy legislation. b) You agree to provide Your personal information to gain access to Our products and services and to allow Us to administer Your Insurance product and/ or to advance Your case. c) You agree that We can provide any information (including personal information), to Your Lawyer or applicable third party if it is needed to handle Your Case or if a law or Court requires us to do it. d) You agree that your Lawyer or any other person who has it can provide Us with any information (including personal information) which relates to Your insurance product or Case if it is needed. e) You are entitled to 1) request the details of Your personal information We have in Our records 2) request the details about the recipients of Your personal information, and 3) request for the amendment or deletion of Your personal information. 3. Communicating with You a) We will send all general communications to the Main Member’s contact details on record. b) We may send any document or communication that is part of, or that We issue in terms of the Agreement, by mail, email, SMS, website post, App or fax. c) If You change Your contact details You must please let Us know. We will send You an acknowledgement within 10 business days. Please let Us know if You do not receive it. d) If any Member communicates with Us about his/her Insurance claim, We will respond to that Member.