The following terms and conditions govern your use of this Website. Your use of this Website constitutes your acceptance of these terms and conditions. If you do not agree with these terms and conditions, you should immediately cease use of this Website.

By availing yourself to this facility it is construed that you have understood its contents and are in agreement with terms and conditions relating to the facility.

This Website presents information and content that is owned or licensed by ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’.  When used in these Terms and Conditions, “we” and “our” mean ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ and “you” and “your” refers to any individual, Company, or legal entity that accesses or otherwise uses this Website.

These terms and conditions apply only to your use of this Website, and they do not apply to your use of any products or services otherwise offered by ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’. We may have established or will establish additional or different terms and conditions for certain products and services. In many instances, our products or services involve sophisticated financial instruments or investments that are regulated by governmental authorities. You agree to review all applicable terms and conditions relating to ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’’s products and services. In the event of any conflict between the terms and conditions on this Website and such additional terms and conditions, the additional terms and conditions govern and control. Further, if you have a policy with ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’, your customer relationship is also governed by your policy. In the event of any conflict between the terms and conditions on this Website and such policy, your policy and account agreements govern and control.

 

DO NOT RELY ON THIS WEBSITE FOR YOUR FINANCIAL DECISIONS

The Content on this Website is for convenience and information purposes only. You should consult your financial and legal advisors, and independently verify all Content provided through this Website before you make decisions. Nothing on this Website constitutes an offer to sell or buy any product. Account information available on this Website is not the official record of your account. Nothing on this Website should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information on this Website is not a recommendation or opinion for you to buy or sell any product or participate in any transaction. You will not be able to make any claim using the information available in this Website.

 

OWNERSHIP AND USE OF CONTENT

All of the information and content on this Website, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files and photos, trademarks, service marks and trade dress (“Content”) is owned or licensed by ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’. The Content is protected worldwide by applicable intellectual property laws. You may make and use printouts of the Content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark, and other proprietary notices. ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ reserves the right to terminate at any time your right to make personal copies of Content. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell or display any of the Content for any public or commercial purpose except with the prior written consent of ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ or the owners of the materials, which they may issue in their sole discretion. You may not use the Content in any other Website or in a network computer environment, including framing the Content within another Website. Except for the limited use rights expressly provided in this paragraph, all rights in Content are reserved.

All other trademarks, service marks, trade names, logos and icons, registered or not, are the property of The ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ or third parties which may be indicated. Other materials, including video, sound recordings and images, on this Website are a copyright of or proprietary to ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ or are used with the consent of the owner. Except when included in any authorized printouts of the Content, you are not authorized to make any other use of ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’’s marks, including, but not limited to, as meta-tags or in any other fashion that may create a false or misleading impression of affiliation or sponsorship with or by ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’.

Any information, other than personal data or information, that you transmit, post, upload, input or submit to ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ via this Website, by electronic mail or otherwise, including data, questions, comments, or suggestions (individually or collectively a “Submission”), will be treated as non-confidential and non-proprietary information and will become the property of THE HERITAGE  INSURANCE COMPANY TANZANIA  LIMITED. Such Submission may be used by or on behalf of ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ free of charge for any purpose, including without limitation to copy, reproduce, publicly display, disclose, transmit, publish, broadcast post, edit, translate and reformat, and ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ shall have the right to publish your name in connection with your Submission. ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ shall be allowed to use any ideas, concepts, know-how, techniques or proprietary information contained in any Submission free of charge for any purpose, including without limitation to develop or market products or services using or containing such Submission. In addition, ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ shall have the right to assign or license such Submission or proprietary rights in such Submission to any third party without your consent and free of charge.

‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ shall not be under any obligation to post, disclose, publish or in any way use any Submission, and may remove any Submission in it sole and absolute discretion.

By transmitting, posting, uploading, inputting or submitting a Submission, you warrant and represent that you own or have been granted all rights necessary to transmit, post, upload, input or submit your Submission and to allow for the assignment to and usage by ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ as set forth in these Terms.

You hereby waive all applicable rights you may have in any Submission for the purposes set out in these Terms.

‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ may disclose any information it possesses about you (including your name and contact details) if ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ determines that such disclosure is necessary or useful in relation with any investigation or complaint regarding your use of the Website, or to identify, contact or bring legal action against anyone who may be damaging or interfering with (whether intentionally or not) THE HERITAGE  INSURANCE COMPANY LIMITED’s rights or property, or the rights or property of the Website’s visitors or users, including ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’’s customers or policyholders, or if ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ determines that applicable laws require or authorize such disclosure. ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ reserves the right at all times to disclose any information that it deems necessary or useful to comply with any applicable laws, regulations, legal processes or governmental or court requests.

RESTRICTIONS

This Website is owned or licensed by ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’, and operated by or on behalf of ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’. Except as expressly permitted by ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ in writing, no part of this Website or the its Content may be copied, reproduced, republished, modified, stored in a retrieval system, used for creating derivative works, uploaded, posted, transmitted (by any form or by any means), distributed or used in any way for public or commercial purposes. You may use the Website’s Content solely for your personal use and only under the condition that you retain all copyright and other proprietary notices contained on the materials. Use of any part of the Website’s Content does not grant you any rights of ownership or any rights that are not expressly granted to you under these Terms or otherwise in writing by ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’. ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ neither warrants nor represents that your use of this Website Content will not infringe third party rights.

INTELLECTUAL PROPERTY

This Website and its Content, the “‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’” trade mark and all other trademarks and service marks, whether they are figurative or not, as well as all trade names, brand names, business names, illustrations, images, logos which appear on or in relation to ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ products or services, whether registered or not (the “Trade Marks”), and all other intellectual property rights (including, without limitation, registered or unregistered designs, copyrights, trademarks, service marks, logos, trade dress, trade names, trade secrets, patents, inventions, know-how, and moral rights) in or related to this Website, the Content and ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’’s products and services (the “Intellectual Property Rights”) are and remain the exclusive property of THE HERITAGE  INSURANCE COMPANY  TANZANIA LIMITED and/or its licensors and are protected by applicable intellectual property laws and treaties around the world. All such rights are reserved.

Other than as expressly set out in these Terms and except as permitted by applicable law, nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any licence or right to use any part of the Website Content, the Trade Marks or Intellectual Property Rights without THE HERITAGE  INSURANCE COMPANY LIMITED’s express written consent. Except as provided herein, your use of the Website Content, the Trade Marks or Intellectual Property Rights is strictly prohibited.

To the extent that any software is made available or provided to you on this Website, ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ grants you a non-exclusive, limited and personal license to download and use the software for your own personal, non-commercial use only. No other rights to the software are granted. All rights including intellectual property rights in the software remain the exclusive property of ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ or the relevant licensors or owners of the software and, except as permitted by law, you may not reverse engineer, decompile, modify or tamper with the software.

HYPERLINKS / LINKS.

Links from this site to a non-’‘THE HERITAGE  INSURANCE COMPANY TANZANIA LIMITED’’ site may be provided for the user’s convenience only. ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ does not control or review these third-party sites nor does the provision of a link imply any endorsement of or association with such non-’‘THE HERITAGE  INSURANCE COMPANY TANZANIA LIMITED’’ sites. Your linking to any Website from this Website is at your own risk. Subject to the terms of applicable service or other agreements, we will remove any link from this Website upon request from the owner of the linked Website.

Links to third party Websites

This Website may link to third party Websites that are not under the control of or maintained by ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’. ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ is not responsible for the availability, content or accuracy of, or any updates or changes to any external Websites and does not make any warranty, express or implied, with respect to the use of any external links or Websites. The inclusion of any link to such Websites shall not constitute or imply any form of cooperation with, approval of or endorsement by ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ of the Websites or their content. You acknowledge and agree that you use and access such hyperlinks and Website at your own risk.

WARRANTY DISCLAIMER

We strive to provide accurate and up-to-date material on this Website. However, we make no warranties or representations as to the accuracy or timeliness of the Content. Your use of this Website and content is at your own risk. Content may become inaccurate as a result of developments after its publication on this Website. ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ assumes no responsibility to keep Content current or to correct inaccuracies or errors in Content. The Content on this Website and the operation of it are provided “as is” and for informational purposes only, and ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ disclaims all representations or warranties of any kind, either express or implied, including warranties of merchantability, fitness for particular purpose, title, non-infringement, accuracy, completeness, and timeliness. Certain jurisdictions may not permit certain disclaimers of warranties. In such case, we disclaim warranties to the fullest extent permitted by the applicable law.

YOU’RE RESPONSIBILITY FOR SECURITY

‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ does not warrant that the Website will operate error free or is free from viruses, worms, Trojan horses, or other destructive or harmful code.

‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ assumes no liability or responsibility for any damages to you, your computer, or other property due to your access to, use of, or downloading of Content. If you download or copy Content from this Website, you are responsible for taking all reasonable precautions necessary to ensure the security and integrity of your computer and systems, including employing current virus protection software.

LIMITATION OF LIABILITY

In no event shall ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ or any other party involved in creating, producing, or delivering this Website or Content on ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’’s behalf be liable for any direct, incidental, special, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, or inability to access or use, this Website or any Content, or the performance of any product on this Website.

While ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ uses reasonable efforts to include accurate and up to date information on its Website, errors or omissions may occur. To the fullest extent permissible under applicable laws and regulations, under no circumstances including without limitation negligence, will ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ or any party involved in creating, producing, or delivering the Website Content be liable for any special, indirect, incidental, consequential or punitive damages, losses, liabilities, costs, expenses and/or consequences of any nature (including without limitation loss of data or profits), whether based on contract, negligence or tort, arising out of or in connection with the access to, use of, reliance on, or the inability to use the Website Content or any content available on other Website linked to this Website, any system, server or connection failure, any interruption or delay in transmission, or any computer viruses, even if ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ or any ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ representative has been advised of the possibility of such damages, losses, liabilities, costs, expenses and/or consequences. To the fullest extent permissible under applicable law, in no event shall ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’’s total liability to you exceed the amount paid by you, if any, for accessing this Website.

INDEMNITY

You agree to indemnify and hold harmless ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’, its officers, directors, shareholders, successors, assigns, employees, agents, subsidiaries and affiliates, from any claims, losses, liabilities, damages, expenses and costs (including advocates’ fees and court costs) claimed by a third party and arising directly or indirectly out of or relating your use of the Website.

CHANGES

‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ reserves the right to change the Content on this Website and these Terms and Conditions from time to time at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. You are bound by any such revisions and should therefore periodically visit ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’’s Website to review the most updated and current conditions to which you are bound, which can be found by clicking the hyperlink “Terms and Conditions” at the bottom of the ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ Website. Your continued use of this Website constitutes your acceptance of any change or update, all of which shall become controlling when posted.

PRIVACY

You may review THE HERITAGE  INSURANCE COMPANY LIMITED’s Website Privacy Statement at the bottom of the ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ Website.

GOVERNING LAW

These Terms and Conditions shall be governed by, and construed in accordance with, the laws of the TANZANIA. The parties irrevocably submit to the courts of TANZANIA.

TERMINATION

‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ reserves the right in its sole discretion to terminate or restrict your use of all or any part of the Website, without notice, for any or no reason, and without liability, from us to you or anyone else. The Terms and Conditions relating to Ownership and Use of Content, Indemnification, Limitation of Liability, Warranty Disclaimer, and Governing law shall survive any termination.

DISCLAIMER

To the fullest extent permissible pursuant to applicable laws and regulations:

• This Website and all its content (including without limitation functions, text, data, materials, information, graphics, logos, icons, images, photographs, structure, arrangement, layout, “look and feel”, audio clips, sounds, music, videos, and software, and any combination thereof) (the “Website Content”) are provided “as is” without warranties of any kind, whether express or implied. ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ hereby disclaims any and all warranties, express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, title, and non-infringement of third party rights.
• ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ does not warrant that the Website or the Website Content will be uninterrupted or error-free, that defects will be corrected, or that the Website, the Website Content, or the server that makes it available are free of viruses, contamination, destructive features or other harmful components.
• ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ hereby disclaims any and all liability for the acts and omissions of third party in connection with or related to the Website, the Website Content or ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’’s products or services.
• ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ does not warrant or make any representations in terms of suitability, comprehensiveness, accuracy, reliability, or otherwise regarding the Website Content or its use or results. The Website Content is not intended to be or contain a complete description of all terms, conditions or exclusions applicable to the products and/or services described or referred to on this Website, but is provided solely for informational purposes. For details please refer to the specific terms and conditions provided in the relevant policies or agreements.
• Your sole remedy against ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ if you are dissatisfied with the Website or the Website Content is to stop using them. ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ reserves the right to modify, suspend or terminate the Website or any portion thereof, its operation, or the access to the Website or any portion thereof, for any reason, at any time, and without notice.

SECURITY

At ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’, we take our user’s security and confidentiality very seriously. There is inherent risk in doing business with anyone over a public medium like the Internet. ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ has implemented measures to reduce these risks. Physical, electronic, and managerial measures are in place to protect your data.

• If you open or register for an online account, you must complete the registration process and provide up to date, comprehensive and accurate information as required in the applicable registration form.
• It is your responsibility to protect and maintain the confidentiality of your password and account. You are entirely responsible for any and all activities that occur under your account and you must notify ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ immediately of any unauthorized use of your account or any other breach of security.
• ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ and its service providers will not be liable for any damages, losses, liabilities, costs, expenses and/or consequences of any nature that you may incur as a result of someone else’s use of your password or account, whether it is with or without your knowledge or consent.
• You may however be held liable for damages, losses, liabilities, costs, expenses and/or consequences of any nature incurred by ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ or another party due to the use made of your account or password. It is prohibited to use anyone else’s account at any time without the accountholder’s consent or permission.

PROHIBITED USE

You agree that you shall not, and shall not attempt to:

• do anything that may damage, disable, overburden, or impair the Website, any ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ server, or any networks connected to the Website or any ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ server, or that may interfere with anyone’s use and enjoyment of the Website, with the Website Content or with any services offered on or through the Website; obtain unauthorized access to any part or feature of the Website, the Website Content, accounts, products or services offered on or through the Website, or to any systems or networks connected to the Website or to any ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ server, or to any of the services offered on or through the Website;
• make unauthorized use of any robot, spider, site search/retrieval application, devices, programs, algorithms or methodologies, or any similar or equivalent processes, to access, acquire, copy or monitor any portion of the Website or the Website Content, or to retrieve, index, “data mine” or in any way reproduce or circumvent the navigational structure or presentation of the Website or the Website Content, or to obtain any materials, documents or information through any means not purposely made available through the Website;
• remove any copyright, trademark or other proprietary rights notices contained on the Website or in the Website Content;
• Collect information about the Website’s visitors or users, including without limitation tracking any information on any other visitor or user of the Website, without their express written consent;
• publish, upload, post, transmit, distribute, disseminate or otherwise use any materials or information that may be inappropriate, profane, defamatory, obscene, indecent or unlawful, that may infringe third party rights, or for which you do not have sufficient permission or the necessary rights to do so;
• Reverse engineer, decompile or disassemble any portion of the Website or the Website Content;
• use the Website or the Website Content for any unlawful or unauthorized purposes, or otherwise violate any applicable laws or regulations by using the Website or the Website Content;

 

BROWSER AND SCREEN RESOLUTION

In order to improve the user experience and better delivery of materials or information, ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ may employ technologies not supported by older browsers. ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ Websites are best viewed by the latest version of browser from major vendors, such as Microsoft®, Google® or Mozilla®, with JavaScript® and SSL enabled.

You may need to install Adobe® Flash® Player and Java® Runtime to be able to enjoy some features. Moreover, some of the materials, including downloadable forms, reports, and brochures, may require Adobe® Acrobat® Reader® to be installed on your machine.

For an optimum experience, ‘‘THE HERITAGE INSURANCE COMPANY TANZANIA LIMITED’’ Websites are best viewed with 1152 x 864 screen resolution.

INCONSISTENCY IN WORDINGS

In the event of any ambiguity or inconsistency between the English and local language versions of these Terms, the English version.