Effective Date: 1 July 2026
Last Updated: 1 July 2026
1. Introduction
Welcome to the Starlight Holdings website (“the Website”). These Website Terms & Conditions (“Terms”) govern your access to and use of this Website.
By accessing or using this Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of the Website.
2. About Starlight Holdings
Starlight Holdings provides assistance services designed to help individuals and families through products including:
- Identity Protection Assistance
- Debit Order Protection
- Funeral Concierge Benefits
These services are subject to separate Membership Terms & Conditions where applicable.
3. Acceptance of Terms
By using this Website, you confirm that you:
- Are at least 18 years of age or have the consent of a parent or legal guardian.
- Will use the Website lawfully.
- Accept these Terms in full.
4. Website Content
The information provided on this Website is intended for general informational purposes only.
While Starlight Holdings makes every reasonable effort to ensure that the information published is accurate and up to date, we do not warrant that all information will always be complete, current, or free from errors.
We reserve the right to modify, update, or remove Website content at any time without prior notice.
5. No Legal or Financial Advice
The content available on this Website does not constitute legal, financial, insurance, tax, or professional advice.
Visitors should seek independent professional advice appropriate to their individual circumstances before making decisions based on information contained on this Website.
6. Membership Services
Descriptions of our products and services are provided for informational purposes only.
Eligibility, benefit limits, waiting periods, exclusions, and other conditions are governed by the applicable Membership Terms & Conditions.
Nothing contained on this Website should be interpreted as guaranteeing acceptance, eligibility, approval, or specific outcomes.
7. Intellectual Property
Unless otherwise stated, all Website content is the property of Starlight Holdings or its licensors, including but not limited to:
- Text
- Logos
- Graphics
- Images
- Icons
- Documents
- Videos
- Website design
- Layouts
- Branding
These materials are protected under applicable intellectual property laws.
No content may be copied, reproduced, distributed, modified, published, or commercially exploited without prior written permission from Starlight Holdings.
8. Permitted Use
You agree to use this Website only for lawful purposes.
You may not:
- Attempt to gain unauthorised access to our systems.
- Upload malicious software or code.
- Interfere with Website functionality.
- Use automated systems to harvest information.
- Misrepresent your identity.
- Engage in fraudulent or unlawful activities.
Any misuse of this Website may result in legal action.
9. User Submissions
Where you submit information through contact forms or other Website features, you agree that:
- The information provided is accurate.
- You are authorised to provide such information.
- You will not submit unlawful, defamatory, or misleading content.
10. Privacy
Your use of this Website is also governed by our Privacy Policy.
By using this Website, you consent to the collection and processing of your personal information as described in that policy.
11. Cookies
This Website uses cookies to improve your browsing experience and enhance Website functionality.
Further information is available in our Cookie Policy.
12. Third-Party Links
This Website may contain links to third-party websites for your convenience.
Starlight Holdings:
- Does not control those websites.
- Is not responsible for their content.
- Does not endorse their products or services.
- Accepts no liability arising from their use.
Visitors access third-party websites entirely at their own risk.
13. Website Availability
While we strive to maintain uninterrupted Website availability, we do not guarantee that the Website will always be available or free from interruptions, delays, viruses, or technical errors.
Maintenance, upgrades, or circumstances beyond our control may occasionally affect Website availability.
14. Limitation of Liability
To the fullest extent permitted by South African law, Starlight Holdings shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:
- Use of this Website.
- Inability to access the Website.
- Reliance on Website information.
- Technical failures.
- Errors or omissions.
- Viruses or malicious software.
Nothing in these Terms excludes liability where such exclusion is prohibited by law.
15. Indemnity
You agree to indemnify and hold harmless Starlight Holdings, its directors, employees, contractors, and representatives against any claims, losses, damages, liabilities, or expenses arising from your misuse of this Website or breach of these Terms.
16. Security
Although reasonable security measures are implemented, internet communications cannot be guaranteed to be completely secure.
Users transmit information at their own risk.
17. Changes to These Terms
Starlight Holdings reserves the right to amend these Terms at any time.
Updated versions will be published on this Website together with the revised “Last Updated” date.
Continued use of the Website constitutes acceptance of any revised Terms.
18. Governing Law
These Terms are governed by the laws of the Republic of South Africa.
Any disputes relating to these Terms shall be subject to the jurisdiction of the South African courts.
19. Severability
If any provision of these Terms is found to be unlawful or unenforceable, the remaining provisions shall continue to apply in full force and effect.
20. Contact Us
If you have any questions regarding these Website Terms & Conditions, please contact us:
Starlight Holdings
📧 Email: info@starlightholdings.co.za
🌐 Website: www.starlightholdings.co.za
Website Disclaimer
The information contained on this Website is provided for general informational purposes only. While every effort is made to ensure the accuracy of the information presented, Starlight Holdings makes no warranties or representations regarding its completeness, accuracy, reliability, or suitability.
Descriptions of services are provided as general information only and should be read together with the applicable Membership Terms & Conditions. Individual circumstances, eligibility requirements, benefit limits, and applicable exclusions may affect the availability or scope of assistance.
Nothing contained on this Website should be interpreted as legal, financial, insurance, or professional advice.