Effective Date: 1 July 2026
Last Updated: 1 July 2026
1. Introduction
Welcome to Starlight Holdings.
These Membership Terms & Conditions (“Terms”) govern the relationship between Starlight Holdings (“the Company”, “we”, “our”, or “us”) and every person who applies for or holds membership (“Member”, “you”, or “your”).
By becoming a member, you acknowledge that you have read, understood, and agree to be bound by these Terms and any amendments published by Starlight Holdings from time to time.
2. About Our Services
Starlight Holdings provides assistance services designed to help members through practical support in the following areas:
- Identity Protection Assistance
- Debit Order Protection
- Funeral Concierge Benefits
Membership provides access to assistance services and benefits as described in these Terms.
3. Membership Eligibility
Membership is available to individuals who:
- Are at least 18 years of age;
- Are legally capable of entering into a binding agreement;
- Provide accurate and complete information;
- Comply with these Terms.
The Company reserves the right to approve or decline any membership application.
4. Membership Commencement
Membership becomes effective only after:
- Your application has been accepted;
- Any required documentation has been received;
- Your first membership payment has been successfully processed.
Benefits become available in accordance with any applicable waiting periods.
5. Membership Fees
Members agree to pay the applicable membership fee.
Membership fees:
- Must be paid on time.
- May be collected by authorised debit order or another approved payment method.
- May change from time to time upon reasonable notice.
Failure to maintain payments may affect access to membership benefits.
6. Member Responsibilities
Members agree to:
- Provide truthful information.
- Notify us of changes to their personal details.
- Cooperate during investigations.
- Provide requested documentation promptly.
- Use membership benefits honestly and responsibly.
Failure to comply may affect benefit eligibility.
7. Identity Protection Assistance
Where applicable, Starlight Holdings may assist members by:
- Providing guidance following suspected identity theft.
- Assisting with communication with creditors.
- Assisting with communication with registered credit bureaux.
- Assisting regarding fraudulent judgments where applicable.
- Providing practical support throughout the recovery process.
The Company cannot guarantee:
- Removal of adverse credit information.
- Decisions made by creditors.
- Decisions made by credit bureaux.
- Court outcomes.
- Investigation outcomes.
Each case is handled according to its individual circumstances.
8. Debit Order Protection
Where appropriate, the Company may provide assistance including:
- Investigation of disputed debit orders.
- Assistance in identifying debit order originators.
- Guidance regarding dispute procedures.
- Assistance communicating with relevant organisations.
The Company does not guarantee:
- Immediate reversal of debit orders.
- Refunds.
- Bank decisions.
- Outcomes determined by third parties.
9. Funeral Concierge Benefits
Eligible members may qualify for practical funeral assistance subject to the applicable benefit limits.
Benefits may include:
- Funeral Communication Benefit
- Electricity Benefit
- Hospitality Benefit
Benefits:
- Are subject to annual limits.
- Are non-transferable.
- Cannot be exchanged for cash unless expressly stated.
- May be amended from time to time.
Specific benefit values will be communicated separately.
10. Waiting Periods
Certain benefits may become available only after completion of the applicable waiting period.
Waiting periods, where applicable, will be communicated during the membership application process.
11. Benefit Exclusions
Benefits may not apply where:
- Fraudulent information has been supplied.
- Membership fees are unpaid.
- Claims relate to events occurring before membership commenced.
- Required documentation is not provided.
- Benefits are used unlawfully or fraudulently.
Additional exclusions may apply to individual benefits.
12. Limitation of Assistance
Starlight Holdings provides assistance services only.
The Company:
- Does not provide legal representation unless specifically stated.
- Does not provide legal advice.
- Does not provide financial advice.
- Does not provide insurance.
- Does not guarantee successful outcomes.
Many matters depend upon decisions made by:
- Banks
- Credit providers
- Credit bureaux
- Government departments
- Law enforcement agencies
- Courts
- Third-party organisations
13. Confidentiality
All personal information is processed in accordance with our Privacy Policy and the Protection of Personal Information Act (POPIA).
Members agree that relevant information may be shared where necessary with authorised third parties for the purpose of delivering membership services.
14. Cancellation by the Member
Members may cancel their membership by providing written notice.
Cancellation:
- Does not automatically entitle the member to a refund.
- Does not affect obligations already incurred.
- Terminates future access to membership benefits.
15. Suspension or Termination by Starlight Holdings
The Company may suspend or terminate membership where:
- Membership fees remain unpaid.
- Fraud is suspected.
- False information has been provided.
- Membership benefits are abused.
- These Terms have been breached.
16. Amendments
Starlight Holdings reserves the right to amend these Terms from time to time.
Updated Terms will be published on our website.
Continued membership constitutes acceptance of revised Terms.
17. Complaints
Members who wish to submit a complaint may contact us using the details below.
Every complaint will be investigated fairly and professionally.
18. Force Majeure
The Company shall not be liable for delays or failures caused by circumstances beyond its reasonable control, including but not limited to:
- Natural disasters
- Power failures
- Internet outages
- Labour disputes
- Government actions
- Civil unrest
19. Governing Law
These Terms are governed by the laws of the Republic of South Africa.
Any disputes shall fall within the jurisdiction of the South African courts.
20. Contact Details
Starlight Holdings
📧 Email: info@starlightholdings.co.za
📞 Telephone: +27 21 206 7862
🌐 Website: www.starlightholdings.co.za
Member Declaration
By applying for membership, I confirm that:
- I have read and understood these Membership Terms & Conditions.
- The information I have provided is true and accurate.
- I understand that Starlight Holdings provides assistance services and does not guarantee outcomes determined by third parties.
- I consent to the processing of my personal information in accordance with the Privacy Policy and applicable South African legislation.
Entire Agreement
These Membership Terms & Conditions, together with the Privacy Policy, Website Terms & Conditions, and any applicable benefit schedules, constitute the entire agreement between the Member and Starlight Holdings regarding membership.