DISCLAIMER

Welcome to the “NIC website”, which is owned and operated by the National Insurance Co. Ltd (hereinafter referred to as “NIC’’). NIC maintains this Website as a service to its visitors, subject to the following terms and conditions concerning the use of the Website (“Terms of Use”). When you use the Website, you accept and fully agree to be bound by the Terms of Use; if you do not agree to the Terms of Use, you may not use the Website. NIC reserves the right, at its sole discretion, to modify or remove the whole or parts of the contents on the Website and to amend these Terms of Use periodically without prior notice. It is your responsibility as a user to refer to the terms on accessing this service and to ensure that you are aware of the amendments thereto. Changes will be effective immediately and you will be deemed to have accepted any change if you continue to access the Website after that time.

The Website and its contents are the property of NIC and are protected by Mauritian copyright laws, regulations and international treaty provisions. The compilation, organisation, and display of the content, as well as all software and inventions used on and in connection with this Website are the exclusive property of NIC.

NIC service marks, trademarks, logos or slogans and other marks indicated on our Website are trademarks of NIC. Other marks, graphics, logos, page headers, button icons, scripts noted on the Website are the sole and exclusive property of NIC. NIC marks and trademarks may not be used in any manner that is likely to cause confusion among customers, in any manner that disparages or discredits NIC in connection with any service or product that is not sponsored, endorsed or produced by NIC. All other trademarks not owned by NIC or its affiliates that appear on this Website are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by NIC or its affiliates.

You are permitted to print or download extracts from these pages for your personal and non-commercial use only. Any copies of these pages saved to disk or to any other storage medium may only be used for subsequent viewing purposes or to print extracts for personal use. You may not (whether directly or through the use of any software program) create a database in electronic or structured manual form by regularly or systematically downloading and storing all or any part of the pages from the Website. No part of the Website may be reproduced, modified or altered in any way or transmitted to or stored in any other website, nor may any of its pages or part thereof be disseminated in any electronic or non-electronic form, nor included in any public or private electronic retrieval system or service without NIC’s prior written permission. For permission to reproduce any contents of this Website or to use any of NIC’ logos, please contact NIC. You may not frame or utilise framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of NIC without the express written consent of NIC. You may not use any meta tags or any other “hidden text” utilising NIC name link without express written permission. You do not acquire any ownership rights to any content in the Website. Any unauthorised use terminates the permission or licence granted by NIC.

The contents of this Website are only for general information or use. NIC will not be liable for any damages (including, without limitation, damages for loss of business projects, or loss of profits) arising in contract, tort or otherwise from the use of or inability to use the Website, or any of its contents, or from any action taken (or refrained from being taken) as a result of using the Website or any such contents. NIC makes no warranty that the contents of the Website are free from infection by viruses or anything else which has contaminating or destructive properties. Certain links on the Website may lead to resources located on servers maintained by third parties over whom NIC has no control. NIC accepts no responsibility or liability for any of the material contained on those servers. Except as expressly stated in an agreement between you and NIC, all content, services, and products provided on this Website are provided “as is” without warranty of any kind, either express or implied. NIC disclaims all warranties, express or implied including, without limitation, those of merchantability, fitness for a particular purpose and non-infringement. You are solely responsible for the appropriateness of the Website, its content, and the products and services offered by NIC on the Website for your intended application and use. NIC does not warrant that the Website, its content, or the products and services it offers on the Website meet your requirements. You should therefore not take any action or take any decision based solely upon the contents of this Website. You are advised to effect proper verification of any fact, views, opinion or recommendation before taking any action or making any decision. Subject to the terms of any agreement between you and NIC, NIC shall not be liable for any direct, indirect, special, consequential, incidental, or punitive damages, even if NIC has been advised of the possibility of such damages. The use of the Website is at your own risks and NIC will not be responsible in any way for any error or downloaded materials. NIC reserves the right to restrict or terminate your access to this site at any time and without notice.

You agree to defend, indemnify, and hold harmless NIC, its directors, officers, employees, affiliates, attorneys and agents against all claims, expenses, liabilities, losses, costs, and damages, including reasonable attorney’s fees, arising from (i) your use of the Website or any hyperlinked Website/or any violation by you of these terms or (ii) the content you supply.

In no event will NIC be liable for any damages, including but not limited to, direct or indirect, special, incidental, or consequential damages, losses or expenses arising out of or in connection with this Website or use thereof, or incurred as a result of any failure of performance, omission, error, defect, delay in operation or transmission, computer virus or line or system failure, even if NIC, its employees or representatives thereof, are advised of the possibility of such damages, losses or expenses.

Certain elements of the Website may contain material submitted by users. NIC accepts no responsibility for the content or accuracy of such material. You may submit comments and suggestions and provide other content so long as the content is not obscene, illegal, threatening, or defamatory and so long as the content does not invade the privacy or infringe the intellectual property of a third party. Further, such content may not contain software viruses, mass mailings, chain letters, or any form of “spam.” You may not use a false e-mail address, impersonate any person or entity or provide any other information so as to conceal your real identity, or otherwise mislead as to the origin of the information. By submitting information, you grant NIC a non-exclusive, royalty-free, perpetual, irrevocable and fully sub-licensable right to reproduce, use, modify, publish, adapt, translate, create derivative works from, distribute and display such content throughout the world in any media. By submitting information you also represent and warrant that the content is accurate; you own or have permission to use the content that you submit, and that use of the content will not cause injury to any person or entity. Any views, opinions or comments expressed by users of this Website are their personal views, opinions, and comments and unless specifically stated are not to be considered the views of NIC or endorsed by it and NIC may remove any such views, opinions, comments at its own discretion.

NIC offers services and advertises its products on the Website. When you enroll to obtain a service or a product from NIC on the Website, you accept the specific agreement applicable to that service or product. Your use of any such service offered on the Website is governed by the terms and conditions of the agreement for that product or service. Except as provided in that agreement, NIC does not warrant that any descriptions or content contained in this Website is accurate, current, reliable, complete or error-free. Actual results may differ from forecasts, estimates and summary information due to changes in law and/or market conditions and/or inadvertent error. You are kindly advised to consult the actual policy or your Insurance Salesperson or our customer service representative for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance. This Website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

All matters relating to your access to and use of the Website shall be governed by Mauritian laws. Any legal action or proceeding relating to your access to or use of the Website shall be instituted in a court of the Republic of Mauritius.

Personal information on you and to you is only collected when you voluntarily choose to give us your personal details by enquiring about or ordering any of our products and services. To note that your information is kept confidential, under prevailing data protection laws in force in Mauritius. We may make some inquiries about you as required by the law or for the purpose of processing your application and, with your consent, we may also disclose some or all the information you provide to us to any of our affiliates. The information which you give us about yourself, the Directors of your company, the details of any agreement and the history of business conducted between us (hereinafter referred to as “Personal Data’’) will be retained by us in our records as stated by any prevailing Law. Your Personal Data will be erased in the following circumstances: • The data are no longer necessary in relation to the purpose for which they were collected or otherwise processed. • You withdraw consent on which the processing is based and where there is no other legal ground for the processing. • You object to the processing of personal data and there are no overriding legitimate grounds for the processing. • The personal data have been unlawfully processed. NIC may use this information to write, phone or contact you by other means to offer products or services. As is required by law, you will always be given the opportunity to say that you do not wish this to happen and we shall duly comply. You have the right to see a copy of any information we hold about you by written request and same shall be free of charge. We may collect and store information during normal Website usages such as the name of your internet service provider, the web site that referred you to us, the pages you request, and the date and time of those requests. We may use this information to generate statistics and measure site activity to improve the usefulness of customer visits. The information you provide to this Website is used to improve the services we provide you.