Terms of Use

We are committed to safeguarding the privacy of your information. By “your information” we mean any information about you, which you provide to us or which is supplied to us at your instruction. Our Privacy Policy, set out below, explain how your information would be handled by us.

We will collect and use information obtained from you or where we have legitimate reasons to do so. We will be transparent in our dealings with you as to how we collect and use your information. We will use the information for the purposes for which it has been collected and other purposes connected with the businesses of the company, which include third party access as it may be required under any law, regulations, regulators or order of a competent court of law. Consequently, you hereby grant us a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license or permission to use any intellectual property content of your information like photo and videos. 
You warrant that you have rights on the entire content of the information supplied to us and no third party right would be infringed by us for using them. 

The Company shall process and continually review and assess the quality of the information. Therefore, you are required to inform us of any change in your information to enable us update our records accordingly. Your information would be subject to our Retention Policy and would be disposed of after expiration of the retention period. The Company would observe any rights which you are entitled to under relevant privacy and data protection laws, which you pre-notified to us and we will ensure that third party request relating to your information is treated in accordance with the laws and regulations for the time being in force. In the event that the Company outsources any processes relating to its business, it would ensure the vendor has appropriate security measures in place and will contractually require them to comply with our privacy policy. 

SAFETY

We have in place security measures to protect our website and your information. However, owing to the nature of the internet we cannot guarantee a fool proof security, as such we would not be liable for any misuse or unauthorized use of your information by third parties. We request for your mutual commitment in these respect as follows: You will not post unauthorized commercial communications (such as spam) on the Website. You will not collect, copy or use other users' content or information, or otherwise access our Website, using automated means (such as harvesting bots, robots, spiders, or scrapers) without our prior permission. You will not engage or use the Website for marketing or social purposes such as a pyramid scheme. You will not upload viruses or other malicious code on the Website. You will not solicit log in information or access other processes that are not related to you. You will not bully, intimidate, or harass any user nor post unlawful, misleading, malicious, or discriminatory things or content that are not necessary for the purposes of business transactions with the Company.  

INTERNET ACCESS; PAYMENTS ; INDEMNITY; ENDORSEMENT & HYPERLINKS

The Company excludes liability for users’ cost for internet devices and access. Also, payments for our products and services shall be subject to our Payment Terms stipulated for the product or service. You agree to indemnify, defend and hold us harmless from and against any and all claims, liability, losses, costs and expenses (including attorneys' fees) incurred by us in connection with any use or alleged use of the website under your password by any person, whether or not authorized by you. If anyone brings a claim against us related to your actions, content or information on our website, you will indemnify and hold us harmless from and against all damages, losses, and expenses of any kind (including reasonable legal fees and costs) related to such claim. In addition, we are not responsible for the conduct or information whether online or offline of any user of our website and you release us from any claims and damages that may arise out of or in any way connected with any claim you have against any such third parties. We will not be liable to you for any lost profits or other consequential, special, indirect, or incidental damages arising out of or in connection with there from. We do not represent or endorse the accuracy or reliability of any content posted on any Interactive Area and you acknowledge that any reliance upon such content shall be at your sole risk. The website may contain links to third party sites. You acknowledge that we are not responsible for the availability of, or the content located on or through, such sites. 

INTELLECTUAL PROPERTY RIGHTS 

Consolidated Hallmark Insurance Plc has intellectual property rights to the website and its content. Except with our prior and express written consent, you shall not distribute, redistribute or reproduce part or all of the contents in any form or commercially exploit the content. Nor can you transmit it or store it in any other website or other form of electronic retrieval system.

DISCLAIMER 

The content of this website is for your general information and use only. It is subject to change without notice. Whilst reasonable care has been used in preparing the information and materials on this website, we do not provide any express or implied warranties including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement, with respect to the services, content or products sold through the website. Consequently, your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any product, service or information available through this website meet your specific requirements. 
Neither us nor any provider of third party content or services or their respective agents warrants that the website will be safe, secure, uninterrupted or error free or that it will always function without disruptions, delays or imperfections. 


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