Terms of Use

Effective date: 22 September 2026

These Terms of Use govern your use of the Velco website at www.velco.co.za and related pages. The website is operated by Velocity Consulting PTY LTD (“Velco”, “we”, “us” or “our”). By using the website, you agree to these terms. If you do not agree, please do not use the website.

Website purpose

The website provides information about Velco’s medical-scheme benefit information products and allows visitors to request information, pricing or assistance. Website content is intended for healthcare providers, practices, hospitals, organisations and other professional users.

Information is not professional advice

Information on this website is general information only. It is not medical, legal, financial, insurance, reimbursement or other professional advice, and it does not create a professional or advisory relationship between you and Velco.

Medical-scheme benefits, rules, networks, authorisation requirements, limits, exclusions and co-payments may change and may differ between schemes, plans, members and circumstances. You should verify relevant information with the applicable medical scheme and use appropriate professional judgment before relying on it.

Velco’s information products are reference tools. They do not replace official scheme rules, member-specific benefit confirmation, clinical judgment, pre-authorisation, or any other required professional or administrative process.

Accuracy and availability

We aim to keep website information useful and current, but we do not warrant that it is complete, accurate, current or suitable for every purpose. We may correct, update, suspend or remove website content at any time without notice.

We do not guarantee that the website will always be available, uninterrupted, secure or free from errors. Product descriptions and requests for information do not constitute an offer or guarantee that a product, edition, price or service will be available.

Requests and communications

When you submit an enquiry, you agree to provide information that is accurate and not misleading. A request for information does not create an order, contract or obligation for Velco to supply a product. Any order or service will be subject to separate written terms agreed with Velco.

Our handling of personal information submitted through the website is described in our Privacy Policy.

Acceptable use

You may use the website only for lawful purposes and in a way that does not damage, disable, overburden or impair the website or interfere with another person’s use of it.

You must not attempt to gain unauthorised access, introduce malicious code, circumvent security controls, submit unlawful or harmful material, impersonate another person, or use automated methods to scrape, copy or systematically extract website content without our prior written permission.

Intellectual property

Unless stated otherwise, the website, Velco name and logo, text, page design, graphics, content structure and other materials are owned by or licensed to Velco and are protected by applicable intellectual-property laws.

You may view the website and make a limited, temporary print or electronic copy for your own internal, non-commercial reference. You may not reproduce, adapt, distribute, publish, sell, license, transmit or create derivative works from website content without our prior written permission.

Nothing in these terms transfers ownership or grants a licence to Velco’s workbooks, source materials, branding or other intellectual property.

Third-party services and links

The website may rely on third-party hosting, analytics, email or other services and may link to external websites. We do not control or endorse external websites and are not responsible for their content, availability, security or privacy practices. Your use of a third-party service is subject to that provider’s own terms.

Limitation of liability

To the extent permitted by law, Velco is not liable for any loss, damage, cost or expense arising from or connected with your use of, or reliance on, the website or its content, including indirect, consequential or loss-of-profit claims.

Nothing in these terms excludes or limits liability where doing so would be unlawful, including liability that cannot be excluded under applicable consumer-protection or other legislation.

Indemnity

To the extent permitted by law, you agree to indemnify Velco against claims, losses, liabilities, costs and expenses arising from your unlawful use of the website, your breach of these terms, or your infringement of another person’s rights.

Changes to these terms

We may update these terms when the website, our products or our practices change. The latest version will be published on this page with its effective date. Your continued use of the website after an update means that you accept the revised terms.

Governing law

These terms are governed by the laws of the Republic of South Africa. Any dispute relating to the website or these terms will be subject to the jurisdiction of the South African courts, unless applicable law requires otherwise.

Contact

Questions about these terms may be sent to admin@velco.co.za or susan@velco.co.za.