These Terms and Conditions of Use (together with the documents referred to in them) (“Terms of Use”) set out the terms on which you may make use of this website under the domain name insurancecapitalmarkets.com (the “Website”), whether as a guest or a registered user.

The Terms of Use consist of general terms applicable to all sections of the Website and special terms that apply only to certain applications, as indicated.

Please read these Terms of Use carefully before you start to use the Website. By using the Website, you indicate that you accept these Terms of Use and that you agree to abide by them. If you do not agree to these Terms of Use, please refrain from using the Website.

General terms

Accessing the Website

You will be able to access most of the Website without registering your details with insurancecapitalmarkets.com

There are certain sections of the Website that are restricted. You must first register and become a “Registered User” before you can access Registered User areas. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users who have registered.

Information about you and your visits to the Website

We process information about you in accordance with our Privacy Notice. By using the Website, you consent and warrant that all data provided by you is accurate.

Intellectual Property Rights

ICMR is the owner or the licensee of all intellectual property rights in the Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

No part of this Website may be reproduced or stored on any other website or included in any public or private retrieval system or service without ICMR’s prior written permission.

Availability of Website

We aim to update our site regularly, and may change the content at any time.

Links to third party sites on this Website are provided solely for your convenience. If you use these links, you leave this Website. ICMR makes no representations as to the security, quality or propriety of any site which may be accessed through this Website and accepts no liability for the content or for any loss or damage caused or alleged to have been caused by the use of or reliance on information contained in such sites or goods or services purchased from them. If you decide to access any of the third party sites linked to this Website, you do so entirely at your own risk.

Warranty and Liability

This Website is provided “as is” for information purposes only and ICMR give no warranties of any kind either express or implied in respect thereof. Specifically, but without limitation, ICMR do not warrant that:

  • You will be able to use this Website or that it will continue to be made available in its current or any other form;
  • This Website or any material of whatsoever nature available on or downloaded from it will be free from viruses or defects, compatible with your equipment or fit for any purpose.
  • It is your responsibility to use suitable anti-virus software on any material that you may download from this Website and to ensure the compatibility of such software or material with your equipment; or any content or information published on this Website is accurate or complete.
  • The editorial content of any other site to which you have gained access by means of any hyperlinks published on the Website remains the responsibility of the provider of that other website.
  • All warranties which would otherwise be implied by law are hereby excluded.
  • ICMR providers will not be liable to you, whether for negligence, breach of contract or otherwise, for any loss or damage whatsoever suffered by you (including without limitation, direct loss or damage, indirect or consequential loss or damage, loss of goodwill, loss of business opportunity, loss of data or loss of profit).

ICMR services do not involve giving advice

The services ICMR provides on the Website including those of its third party providers do not include, and do not purport to include giving advice of any kind whatsoever; providing, arranging, explaining, advising on or promoting investment products or life insurance of any type whatsoever; acting as insurance brokers or intermediaries, whether or not independent from any insurance provider; acting as agents of any kind for you or for any provider; providing brokerage or intermediary services of any kind whatsoever or assuming any of the duties of any such persons under any applicable legal system.

Last updated on 03 January 2021