Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any Services.
Any new features which are added on our website shall also be subject to the Terms of Service. You can review the latest version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes on our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.
GENERAL CONDITIONS
Accuracy, completeness and timeliness of information
All information published and contained in this site by GFA Insurance Limited (“we”, “us” or “GFA”) under the domain gfainsurance.mu is provided for general guidance and does not include advice in any matter whatsoever.
While we endeavour to maintain information we have provided up-to-date there are always delays which may cause information or data provided on the site to no longer be accurate at the time of reading.
In addition, comments and information may not be relevant across jurisdictions or organisations given the differences in each country or entity/organisation.
We therefore only provide information on the understanding that no legal, accounting, tax or any other type of advice is being provided. You are encouraged to use the services of professionals or advisers before making any decision or taking any action.
The news that we link to are not related to the domain in whatsoever form. We are not paid by any entity whose links we have posted (including the advertisers on these websites). Information is provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose.
GFA has not verified the contents of such third party web sites and do not endorse, warrant, promote, or recommend any services or products, which may be provided or accessible through them or any person or body which may provide them.
GFA Insurance Limited its related persons, entities, agents, partners or employees thereof are not liable to you or anyone else for any decision made or action taken in reliance on the information in this site or for any consequential, special or similar damages, even if advised of the possibility of such damages.
Intellectual property
GFA owns all intellectual property and other rights, title and interest in and to this site and service (except for the contents you provided).
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the Service is provided, without a written permission from us. For example, you cannot buy our plain products and resell with same Service.
Use of Website
You agree that your content (not including credit/debit/prepaid card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit/Debit/Prepaid card information is always encrypted during transfer over networks.
You must not transmit any computer viruses or any code of a destructive nature. A breach or violation of any of the Terms will result in an immediate termination of your Services.
In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content:
(a) for any unlawful purposes;
(b) to solicit others to perform or participate in any unlawful acts;
(c) to violate any international regulations, rules, laws, or local ordinances;
(d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others;
(e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;
(f) to submit false or misleading information;
(g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet;
(h) to collect or track the personal information of others;
(i) to spam, phish, pharm, pretext, spider, crawl, or scrape;
(j) for any obscene or immoral purpose; or
(k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet.
We reserve the right to terminate immediately your use of the Service or any related website for violating any of the prohibited uses.
Online Payment
We use a secure payment processor for all card payments. When a payment is processed we receive a unique transaction code and an extract of your card number, which we securely store as a record of the transaction.
You can choose to renew your insurance automatically each year using these details; just let us know when you buy your policy. You can change this at any time.
Electronic Communications
You consent to receive communications from GFA electronically and agree that all such agreements, notices, disclosures and other communications are deemed to be duly sent by GFA for the purposes of these Terms and Conditions in accordance with the Electronic Transaction Act.
User comments, feedback and other submissions
If, at our request, you send certain specific submissions (for example contest entries or reviews or feedback) or without a request from us, you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, 'comments'), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation:
(1) to maintain any comments in confidence;
(2) to pay compensation for any comments; or
(3) to respond to any comments.
We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libellous, defamatory, pornographic, obscene or otherwise objectionable or violates any party's intellectual property
Provision of Optional tools
We may provide you with access to third-party tool over which we neither monitor nor have any control nor input.
You acknowledge and agree that we provide access to such tools "as is" and "as available" without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.
Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which the tools are provided by the relevant third-party provider(s).
We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.
Use of Third-party links
Certain contents, products and services available via our Service may include materials from third-parties.
Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not guarantee and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.
We are not liable for any harm or damages related to the purchase or use of goods, services, resources, contents, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.
Disclaimer of warranties and limitation of liability
We do not guarantee or represent that your use of our Service will be uninterrupted, timely, secure or error-free.
We do not guarantee that the results which may be obtained from the use of the Service will be accurate or reliable.
You agree that from time to time we may remove the Service for indefinite periods of time or cancel the Service at any time, without notice to you.
You agree that your use of, or inability to use, the Service is at your sole risk. All the products and Services delivered to you through the Service are (except as stated by us) provided 'as is' and 'as available' for your use, without any representation, guarantees or conditions of any kind, either express or implied, including all implied guarantees or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
In no case shall GFA, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, loss of contracts, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, delict, negligence, strict liability or otherwise, arising from your use of any of the Service or any products procured using the Service, or for any other claim related in any way to your use of the Service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the Service or any content (or product) posted, transmitted, or otherwise made available via the Service, even if advised of their possibility.
GFA shall not be liable for the unavailability of the website in the event of a force majeure or for acts of omissions of persons or bodies for whom GFA is not responsible or any other cause, whether similar or dissimilar, outside GFA's control.
Indemnification
You hereby indemnify, defend and hold harmless GFA and its subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any loss, damages, liability, claim or demand, including reasonable attorneys' fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.
Severability
In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.
Entire agreement
The failure of GFA to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.
These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and GFA and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).
Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party..
Governing law
These Terms of Service and any separate agreements whereby we provide you the Services shall be governed by and construed in accordance with the laws of the Republic of Mauritius.
How to contact us?
If you would like to share your experience with us, register a complaint, or simply want more information on our Services, contact us on info@gfainsurance.mu orl at the following address:
GFA Insurance Ltd
16 Frere Felix de Valois Street,
Champ de Mars,
Port Louis.
Some countries/states/jurisdictions do not allow the exclusion of implied warranties, so the above disclaimer may not apply to you. GFA Insurance Limited does not warrant that the information contained on this website is error-free, or that its contents are current or accurate at any given time. GFA Insurance Limitedreserves the right to make changes to the products and services described herein at any time with or without notice to you; however, GFA Insurance Limited has no obligation to update these materials. GFA Insurance Limited does not warrant that the materials on or accessible from this website are free from viruses, worms, time-bombs or any other devices which may result in damage to you, your data, your computer equipment or other property. GFA Insurance Limited does not warrant that this website will be accessible at will or in all geographic areas. GFA Insurance Limited does not warrant that your use of materials displayed on this website will not infringe upon rights of third parties not owned by or affiliated with GFA Insurance Limited