Terms & Conditions

Your use of this site is expressly conditioned on your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use this site.

Caribbean Insurers Ltd. (“CIL”) reserves the right to modify the Terms of Use at any time. Continued use of this site by you will constitute your acceptance of any revisions to the Terms of Use. Please check this page regularly.

Copyright / Trademark

Except where otherwise indicated, all materials contained in this Web site are the copyrighted property of Caribbean Insurers Ltd., its affiliated companies and/or third party licensors. The CIL logo, all other service marks, and the names of various products and services described within are service marks of Caribbean Insurers Ltd. or its affiliates.

Permission is hereby granted to use, copy and distribute these materials as presented in this Web site and without alteration for non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.

Except as expressly provided herein, you shall not use any portion of this Web site, or any other intellectual property of CIL (including, but not limited to CIL service marks), on any other Web site, in the source code of any other Web site, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Web site's content or frame this Web site within any other Web site without our prior written permission. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from CIL, is prohibited.

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Third-Party Sites

This site contains links to other Internet Web sites ("Third-party Sites") that are not maintained by CIL. These links are provided solely for your convenience. CIL makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.

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Privacy & Security

Please review our Privacy & Security Policy, which also governs your visit to this web site.

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Password Registration

Some CIL Web sites are restricted and require a user identification code ("User ID") and a password for access. Unauthorized use of or access of such sites is strictly prohibited.

In accessing CIL sites requiring a User ID and password, you agree that:

CIL is entitled to act on instructions received under your User ID and password.

CIL is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of CIL.

You will keep your password confidential and you will notify CIL immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the online service site has occurred or may occur.

CIL may block access to the online service site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.

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Disclaimer of Warranty

The content and materials in this site are provided "as is" and without representations or warranties of any kind, either express or implied. CIL expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. CIL does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent from CIL are free of viruses or other harmful components.

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Limitation of Liability

CIL shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from the gross negligence or intentional actions of CIL, the unauthorized access to or alteration of your transmissions or data, even if CIL has been advised of the possibility of such damages. Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.

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Jurisdiction / Enforceability

Use of this site shall be governed by and construed in accordance with the laws of the British Virgin Islands without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in the British Virgin Islands.

Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

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The websites of CIL affiliates which may be hyperlinked to this website, contain separate Terms & Conditions for Use and separate Privacy Statements applicable to those websites. They can be reviewed on the affiliate specific website.

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