Terms, Conditions and Exclusions

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Phishield Funds Protect provides cover for both individuals
and businesses against the loss of funds, due to fraudulent
and cyber crime activity.

Requirements for individuals are to have at least a free anti-virus software installed on all devices
Requirements for businesses are to have reputable and paid-for anti-virus software installed on all devices
Cyber blackmailing is limited to 10% of the cover taken out
Personal online classified losses are limited to 30% of the cover taken out
Any loss of funds must be reported to Phishield within 90 days after the loss was discovered
Losses within the 1st 24 hours of the new policy are excluded (24hour waiting period)
You may not tell anyone that you have cover for cyber blackmailing
Only one individual or business is covered per policy, but multiple accounts of the business or individual will be covered

Loss of funds arising from business transactions on personal policies and personal transactions on business policies
Dishonesty by yourself or someone working in concert with you, an employee, or dishonesty from immediate family or a family member staying with you
Cyber blackmailing is limited to 10% of the cover taken out
Any consequential losses, expenses or damages, injuries or death after and insured event
Any insured event not covered by this policy
Any loss of funds arising directly or indirectly from any loss, expense or damage for which an outside entity is legally liable
Any loss of funds due to unlicensed or illegal software use or similar destructive media
Any payments made to third parties for cyber extortion events prior to authorisation of the claim by Phishield
Online classified losses experienced by a business
Loss of funds where no fraudulent activity was involved
Cryptocurrencies and merchant charge fraud

Requirements for individuals are to have at least a free anti-virus software installed on all devices
Requirements for businesses are to have reputable and paid-for anti-virus software installed on all devices
Cyber blackmailing is limited to 10% of the cover taken out
Personal online classified losses are limited to 30% of the cover taken out
Any loss of funds must be reported to Phishield within 90 days after the loss was discovered
Losses within the 1st 24 hours of the new policy are excluded (24hour waiting period)
You may not tell anyone that you have cover for cyber blackmailing
Only one individual or business is covered per policy, but multiple accounts of the business or individual will be covered

Loss of funds arising from business transactions on personal policies and personal transactions on business policies
Dishonesty by yourself or someone working in concert with you, an employee, or dishonesty from immediate family or a family member staying with you
Cyber blackmailing is limited to 10% of the cover taken out
Any consequential losses, expenses or damages, injuries or death after and insured event
Any insured event not covered by this policy
Any loss of funds arising directly or indirectly from any loss, expense or damage for which an outside entity is legally liable
Any loss of funds due to unlicensed or illegal software use or similar destructive media
Any payments made to third parties for cyber extortion events prior to authorisation of the claim by Phishield
Online classified losses experienced by a business
Loss of funds where no fraudulent activity was involved
Cryptocurrencies and merchant charge fraud

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