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Terms and Conditions


Welcome to our website. Sagicor Life of the Cayman Islands Ltd. (Sagicor Life of the Cayman Islands) provides services to you subject to the following conditions. If you visit or browse within this website, you accept these conditions. Please read them carefully. If you do not agree to these conditions, please exit the site now and do not use or access the site.

PRIVACY

Please review our Website Privacy Policy, which also governs your visit to our website, to understand our practices.

ELECTRONIC COMMUNICATIONS

When you visit the Sagicor Life of the Cayman Islands website or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

COPYRIGHT

All contents included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Sagicor Life of the Cayman Islands or its content suppliers and protected by international copyright laws. The compilation of all content on this site is the exclusive property of Sagicor Life of the Cayman Islands, with copyright authorship for this collection by Sagicor Life of the Cayman Islands, and protected by the Cayman Islands copyright laws.

TRADEMARKS

Sagicor Life of the Cayman Islands' trademarks and trade dress may not be used in connection with any product or service that is not Sagicor Life of the Cayman Islands', in any manner that is likely to cause confusion among customers or in any manner that disparages or discredits Sagicor Life of the Cayman Islands. All other trademarks not owned by Sagicor Life of the Cayman Islands that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Sagicor Life of the Cayman Islands.

LICENCE AND SITE ACCESS

Sagicor Life of the Cayman Islands grants you (and any person authorized by you) a limited licence to access and make personal use of this site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Sagicor Life of the Cayman Islands. This license does not include any resale or commercial use of this site or its contents: any collection and use of any product listings, descriptions, or prices; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Sagicor of the Cayman Islands. You or any person authorized by you may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Sagicor Life of the Cayman Islands and our associates without express written consent. You or any person authorized by you may not use any meta tags or any other "hidden text" utilizing the name of Sagicor Life of the Cayman Islands or trademarks without the express written consent of Sagicor Life of the Cayman Islands. Any unauthorized use terminates the permission or license granted by Sagicor Life of the Cayman Islands. You or any person authorized by you are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Sagicor Life of the Cayman Islands so long as the link does not portray Sagicor Life of the Cayman Islands, its associates, or their products or services in a false, misleading, derogatory, or otherwise offensive matter. You or any person authorized by you may not use the logo of Sagicor Life of the Cayman Islands or other proprietary graphic or trademark as part of the link without express written permission.

YOUR MEMBERSHIP ACCOUNT

If you use this site to access your financial information with Sagicor Life of the Cayman Islands, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. If you are under 18, you may use our website only with involvement of a parent or guardian. Sagicor Life of the Cayman Islands reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in their sole discretion.

REVIEWS, COMMENTS, EMAILS, AND OTHER CONTENT

Visitors may post reviews, comments, and other content and submit suggestions, ideas, comments, questions, or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam." You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. Sagicor Life of the Cayman Islands reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content. If you do post content or submit material, and unless we indicate otherwise, you grant Sagicor Life of the Cayman Islands a nonexclusive, royalty-free, perpetual, irrevocable, and fully sub-licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant Sagicor Life of the Cayman Islands and sub-licensees the right to use the name that you submit in connection with such content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify Sagicor Life of the Cayman Islands or its associates for all claims resulting from content you supply. Sagicor Life of the Cayman Islands has the right but not the obligation to monitor and edit or remove any activity or content. Sagicor Life of the Cayman Islands takes no responsibility and assumes no liability for any content posted by you or any third party.

APPLICABLE LAW

By visiting the Sagicor Life of the Cayman Islands website, you agree that the laws of the Cayman Islands, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and Sagicor Life of the Cayman Islands or its associates.

DISPUTES

In the case of any dispute or questions whatsoever arising between the parties hereto with respect to any term of this agreement or effect of this agreement or anything herein contained or the rights duties or liabilities of either party under this agreement or otherwise in connection with the foregoing the matter in dispute shall be settled by reference to a single Arbitrator as agreed by the parties hereto, or where the parties are unable to so agree, an arbitrator appointed by the President of the Caymanian Bar Association and the decision of the Arbitrator shall be final and binding on the parties hereto save and except in the case of manifest error. The fees of the Arbitrator shall be paid by the parties hereto in equal shares.

SITE POLICIES, MODIFICATION, AND SEVERABILITY

Please review our other policies, such as our Website Privacy Policy, posted on this site, as these policies also govern your visit to Sagicor Life of the Cayman Islands' website. We reserve the right to make changes to our site, policies, and these Terms of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.

Restrictions on Liability

Sagicor Life of the Cayman Islands makes no representation concerning the accuracy or completeness of information or materials available in this site or any sites linked to this site. Links to other web sites shall not be construed as an endorsement, express or implied, of their content or site owners. Similarly, links from other web sites to this site should not be considered an endorsement of any kind by Sagicor Life of the Cayman Islands.
The information contained in this web site is provided "as is" for general reference only, without warranties of any kind and is not intended to constitute legal, financial or other professional advice or services. While Sagicor Life of the Cayman Islands has made reasonable efforts to ensure it has been obtained from reliable sources and is correct, we cannot warrant or guarantee its quality, accuracy, timeliness, or suitability for any particular purpose and the information provided may change at any time.
Sagicor Life of the Cayman Islands expressly excludes any representation or warranty (express or implied), and disclaims any liability whatsoever for negligence, to the fullest extent possible under applicable law. Under no circumstances shall Sagicor Life of the Cayman Islands be liable for any damages whatsoever, including but not limited to special, indirect, incidental, consequential and punitive damages, or loss or injury arising out of the use of, or access to, or in connection with, the information available in this site or the transmission of any virus or other harmful component or any transmission failure. You agree to indemnify Sagicor Life of the Cayman Islands and not to hold Sagicor Life of the Cayman Islands liable for the result (foreseeable or unforeseeable) of any actions you may take based on the material contained in this site.

QUESTIONS

Questions regarding our Terms of Use, Website Privacy Policy, or other policy related material can be directed to our support staff by clicking on the "Contact Us" link from any page.

THESE TERMS ANDCONDITIONS APPLY TO THE USERS AND VIEWERS OF THIS WEBSITE, AND BY ACCESSING OR USING THIS SITE YOU AGREE TO BE BOUND BY THEM. PLEASE READ THE ABOVE STATEMENT CAREFULLY BEFORE USING THIS SITE. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, EXIT THIS SITE NOW AND DO NOT USE OR ACCESS THIS SITE.

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