CONDITIONS OF USE
By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. These terms and conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound. The content is for information purposes only. It is not intended for the content to be relied upon as professional or expert advice or opinions.

DISCLAIMER
To the fullest extent permissible pursuant to applicable law, the materials on this website are provided as is and without warranties of any kind either expressed or implied and Botswana Insurance Company limited and its affiliates (collectively, BIC) disclaim all warranties, expressed or implied, including, but not limited to, implied warranties, expressed or implied, including, bur not limited to, implied warranties of merchantability and fitness for a particular purpose. BIC does not warrant the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.

BIC does not warrant or make representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not BIC) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general information purposes; please refer to the actual policy or the relevant product or services agreement.

This website may be linked to other websites which are not maintained by BIC. BIC is not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by BIC of the websites or the content thereof. BIC shall not be liable for any damage or loss resulting from access to such other websites.

LIMITATION OF LIABILITY
While BIC uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, BIC makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall BIC or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or other damages that result from the use of, or the inability to use, the materials on this website, even if BIC or a BIC authorized representative has been advised of the possibility of such damages.

In no event shall BIC’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. BIC also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

RESTRICTIONS ON USE OF MATERIALS
This website is owned and operated by BIC. Except as otherwise expressly permitted by BIC, no materials from this website or any website owned, operated, licensed or controlled by BIC may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in and way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without BIC’s written permission. BIC neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

JURISDICTIONAL ISSUES
Unless otherwise expressly set forth herein, BIC makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.
Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by BIC. No security, insurance product or other product or service is offered or will be sold by BIC or, if sold by BIC, will be effective in any jurisdiction in which such offer or solicitation; purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction.

OWNERSHIP OF INFORMATION
Any information, other that personal data or information, you transmit to BIC via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of BIC. Such information, other than personal data or information may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. BIC is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to BIC via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

TRADEMARKS AND COPYRIGHTS
All trademarks, service marks, trade names, logos, and icons are proprietary to BIC. Nothing contained on the website should be construed as granting, by implications, estoppels, or otherwise, any license or right to use any trademark displayed on this website without the written permission of BIC. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with permission by BIC. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by BIC. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy, and publicity, and communications regulations.

SOFTWARE LICENSES
You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of certain countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. BIC does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.

THIRD PARTY CONTENT
Any opinions, statements, services, offers or other information or content expressed or made available on the website by a third party are those of the respective author(s) or distributor(s) and not of BIC. BIC shall have no liability or responsibility for any acts, omissions or conduct of any third party. BIC does not want to receive, and you are deemed to covenant and agree through use of the site not to provide, any information or materials that are defamatory, threatening, obscene, harassing, in violation of any law, governmental requirements or otherwise unlawful, or that incorporate the protected information or materials of another person or entity.

PRIVACY
BIC is aware of the need to address internet privacy issues and we believe you should be aware of how we are to treat information about you that we might receive on the internet as a result of your visit to the website.

GOVERNING LAW
These terms shall be governed by the laws of Botswana, without giving effect to any principles of common law. If any provision of this agreement and terms shall be unlawful, void, or for any reason unforeseeable then that provision shall be severable from these terms and shall not affect the validity and enforceability of any remaining provisions. Each provision of the terms and conditions is severable from the other terms and conditions. The failure of BIC to require or enforce the performance of any of its rights shall not be deemed to be a waiver of such rights. These terms constitute the entire agreement between BIC and you with respect to your use of such services, and such use will be subject to these terms and conditions unless BIC notifies you otherwise.

TERMINATION
BIC may at its sole and absolute discretion cancel or terminate your right to use this website or any part of the website at anytime, without notice or liability to you or any other person. In the event of the termination, the terms and conditions of use shall continue to apply and be binding upon you with respect to your prior use of the website and its content.