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You may not reproduce, change, or create a byproduct from, or publish, distribute, transmit, display, license or transfer any of the content on this website, unless you first receive our permission in writing. The website and all its content are owned by or licensed to Sanlam. This includes text, graphics, icons, hyperlinks, private information and designs. The intellectual property rights in the content are protected against infringement by local and international laws and agreements. Our intellectual property may not be used in any way without our consent or the consent of any business that licensed Sanlam to use its intellectual property.

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