Terms and Conditions


PRIVACY POLICY STATEMENT AND DISCLAIMER

The following terms and conditions apply to all users and viewers of this web site. By accessing or using this site, you agree to be bound by the terms and conditions of use outlined below. Please read this 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 the site.

The information provided in this web site is intended to ensure your protection as well as that of Sagicor Life Jamaica Limited, its subsidiaries and affiliates ("Sagicor"). All rights in the information, including but not limited to concepts, layout, ideas, logos and graphics, published in this web site remain the exclusive property of Sagicor. Information in this site may not be copied, reproduced, distributed, transmitted or in any way disseminated without the prior written consent of Sagicor. Information in this site is provided for lawful purposes only and may be changed at any time without notice.

Restrictions on Liability

Sagicor 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.

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 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.

Sagicor 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 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 and not to hold Sagicor liable for the result (foreseeable or unforeseeable) of any actions you may take based on the material contained in this site.

Security

Sagicor has enhanced the security of certain areas in this web site through the use of secure firewalls and Secure Sockets Layer (SSL) protocol with 56-bit encryption. By using this protocol, all information sent between your computer and our secure environment is encrypted or scrambled and cannot be read by unauthorized persons while in transit. Any information you download from this site is confidential and intended only for the addressee.

Disclaimer

Sagicor has taken reasonable steps to ensure the security of personal information transmitted over the internet. However, complete confidentiality and security over this medium are not yet possible, and there exists a remote possibility of data security violations occuring. In the event of such a violation, Sagicor does not accept any liability for direct, indirect, special or consequential damage arising out of use of the site, except where such damage is proven to be caused by the negligence of Sagicor.

Privacy

Sagicor is committed to the highest level of personal and corporate ethical standards in the conduct of its business. We respect the privacy of individuals who visit this web site and are committed to protecting the confidentiality of personal and financial information. We do not collect information about our site's visitors except to track non-personal information such as the number of persons who visit our site and the web browser used. We will not use any personal information which you provide us through this site without your express permission and only for the purposes you have agreed to, except where required by law, to protect the interests of Sagicor or in the discharge of public duty.

Governing Law

You are granted access to this site conditional upon your agreement to accept the application of the laws of Jamaica to govern all matters between us in relation to this web site. You agree to submit to the exclusive jurisdiction of Jamaican courts in relation to any claim or matter arising as a result of the use of, or access to, this web site.

E-Service Agreement

I agree and acknowledge that this application, once accepted by Sagicor Life Jamaica Limited, shall form my Sagicor e-service agreement. I further agree that Sagicor e-service agreement is and shall be governed by the Sagicor e-services Terms and Conditions, which I must read and agree to and which forms an integral part of this agreement.

I further acknowledge that the products and the e-service Terms and Conditions may change from time to time, and the products and Terms and Conditions in effect at any point in time will be available on the e-service website at www.sagicorjamaica.com. I agree that if I maintain my e-services, or otherwise use, or benefit on my instructions from the use of, the e-service after the effective date of the change in the Terms and Conditions, I will by so doing be deemed to be aware of any such change or changes, and to indicate my agreement to it or them.

In order to assist the company and its subsidiaries (the company and its subsidiaries are called “Sagicor”, which term refers to each of all of them) in providing me with accurate and up to date services. I agree to the sharing of information set out in this Application within Sagicor, and I waive my rights of confidentiality in that regard. I agree that Sagicor may use this information in the Application in order to augment and update currently held information by each entity.

Authorization and Indemnity

It would be convenient and in my/our interests if I/we could at any time and from time to time send instructions by means of:
  1. facsimile transmission (meaning the sending of transmissions between fax machines via the telephone network) hereinafter referred
    to as ‘fax instructions’; and/or
  2. electronic mail (meaning the sending of transmissions electronically between computers via the telephone network or wireless communication)
    hereinafter referred to as ‘e-mail instructions’; and/or
  3. Sagicor’s E-Service web facility (meaning the sending of transmissions electronically between computers via Sagicor Life Jamaica Limited’s web site
    without requiring written confirmation bearing actual signatures) hereinafter referred to as ‘internet instructions; and/or
  4. Sagicor’s self-Serve Kiosk facility (meaning the sending of transmissions electronically between Sagicor Life Jamaica Limited’s self-service kiosk and
    Sagicor Life Jamaica Limited’s information platform without requiring written confirmation bearing actual signatures) hereinafter referred to as ‘ self-serve kiosk instructions’
to Sagicor Life Jamaica Limited (“SLJ”) in relation to any and all my/our existing policies with SLJ and any policies which I/we may now or in the future have with SLJ.

Now in consideration of SLJ agreeing to accept fax instructions and/or email instructions and/or internet instructions and/or self-serve kiosk instructions hereinafter
referred to as (the instruction) purportedly received from me/us as aforesaid, I/we agree:
  1. THAT SLJ may act on any fax instructions and/or email instructions and/or internet instructions and/or self-serve kiosk instructions received by SLJ and purportedly given by me/us from time to time, and I/we voluntarily and with full knowledge take and assume any and all risks associated therewith;

  2. THAT in acting on fax instructions and/or email instructions and/or internet instructions and/or self-serve kiosk instructions, SLJ shall be deemed to have acted properly and to have fully performed all obligations owed to me/us, notwithstanding that such fax instructions and/or email instructions and/or internet instructions and/or self-serve kiosk instructions may have been initiated, sent or otherwise communicated in error or fraudulently, and I/we shall be bound by any fax instructions and/or email instructions and/or internet instructions and/or self-serve kiosk instructions on which SLJ may act if SLJ has in good faith acted in the belief that such fax instructions and/or email instructions and or/ internet instructions and/or self-serve kiosk instructions were given by me/us;

  3. THAT SLJ may, in its absolute discretion, decline to act on or in accordance with the whole or any part of a fax instructions and/or email instructions and/or internet instructions and/or self-serve kiosk instructions pending further enquiry to or further confirmation (whether written or otherwise) by me/us, so however that SLJ shall not be under any obligation to so decline in any case, and SLJ shall in no event or circumstances be liable in any respect for not so declining; and

  4. TO release SLJ from and indemnify SLJ against all claims, losses damages, costs and expenses howsoever arising in consequence of, or in any way related to SLJ having acted in accordance with the whole or any part of any fax instructions and/or email instructions and/or internet instructions and/or self-serve kiosk instructions or having exercised (or failed to exercise) the discretion conferred upon SLJ in Clause 3 above.

  5. THAT SLJ its employees and agents shall not be liable for the consequences of any errors, irregularity, delay, omission, misrepresentation, failure or damage howsoever arising whether from criminal activity or otherwise that may be suffered by me/us in the use of fax instructions and/or email instructions and/or internet instructions and/or self-serve kiosk instructions.

  6. THAT the information I provide in this form and from time to time, may be used to confirm my identity, to augment and update currently held information, to provide me with accurate and up-to-date services, to manage and assess the company’s risks,to satisfy information requests and to meet legal and regulatory requirements I further understand and agree that my information may be shared within the Company which includes its parent and subsidiaries, with third party service providers, credit bureaus and Regulators in and outside of the jurisdictions in which Sagicor does business for the purposes above and as may be required by law. I hereby warrant that the information provided herein is accurate and consent to the sharing and disclosure of this information for the purposes provided herein and as Sagicor may require from time to time.

  7. THAT the unenforceability or invalidity of any provision of this authorization shall not render any other provision unenforceable or invalid.

  8. THAT this authorization shall in all respects be construed with and governed by the laws of Jamaica.

I have read and accepted the terms stated above