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TERMS AND CONDITIONS OF USE
AGREEMENT BETWEEN USERS AND THE JAMAICA CO-OPERATIVES INSURANCE AGENCY LIMITED
THE JAMAICA CO-OPERATIVES INSURANCE AGENCY LIMITED (HEREINAFTER REFERRED TO AS JCIA) WEBSITE IS COMPRISED OF VARIOUS WEB PAGES OPERATED BY JCIA AND IS OFFERED TO YOU ON CONDITION OF YOUR ACCEPTANCE WITHOUT MODIFICATION OF THE TERMS, CONDITIONS, AND NOTICES CONTAINED HEREIN. YOUR USE OF THE JCIA WEBSITE CONSTITUTES YOUR AGREEMENT TO ALL SUCH TERMS, CONDITIONS, AND NOTICES.
MODIFICATION OF THESE TERMS OF USE:
JCIA RESERVES THE RIGHT TO CHANGE THE TERMS, CONDITIONS AND NOTICES UNDER WHICH THE JCIA WEBSITE IS OFFERED, INCLUDING BUT NOT LIMITED TO THE CHARGES ASSOCIATED WITH THE USE OF THE JCIA WEBSITE.
LINKS TO THIRD PARTY SITES:
THE JCIA WEBSITE MAY CONTAIN LINKS TO OTHER WEBSITES REFERRED TO AS LINKED SITES. THESE LINKED SITES ARE NOT UNDER THE CONTROL OF JCIA, AND JCIA IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE, INCLUDING WITHOUT LIMITATION ANY LINK CONTAINED IN A LINKED SITE, OR ANY CHANGES OR UPDATES TO A LINKED SITE.
JCIA IS NOT RESPONSIBLE FOR WEBCASTING OR ANY OTHER FORM OF TRANSMISSION RECEIVED FROM ANY LINKED SITE. JCIA IS PROVIDING THESE LINKS TO YOU ONLY AS A CONVENIENCE, AND THE INCLUSION OF ANY LINK DOES NOT IMPLY ENDORSEMENT BY JCIA OF THE SITE OR ANY ASSOCIATION WITH ITS OPERATORS.
NO UNLAWFUL OR PROHIBITED USE:
AS A CONDITION OF YOUR USE OF THE JCIA WEBSITE, YOU WARRANT TO JCIA THAT YOU WILL NOT USE THE JCIA WEBSITE FOR ANY PURPOSE THAT IS UNLAWFUL OR PROHIBITED BY THESE TERMS, CONDITIONS, AND NOTICES. YOU MAY NOT USE THE JCIA WEBSITE IN ANY MANNER WHICH COULD DAMAGE, DISABLE, OVERBURDEN OR DISABLE, OR IMPAIR THE JCIA WEBSITE OR INTERFERE WITH ANY OTHER PARTY’S USE AND ENJOYMENT OF THE JCIA WEBSITE. YOU MAY NOT OBTAIN OR ATTEMPT TO OBTAIN ANY MATERIALS OR INFORMATION THROUGH ANY MEANS NOT INTENTIONALLY MADE AVAILABLE OR PROVIDED THROUGH THE JCIA WEBSITE.
USE OF COMMUNICATION SERVICES:
THE JCIA WEBSITE MAY CONTAIN BULLETIN BOARD SERVICES, CHAT AREAS, NEWS GROUPS, FORUMS, COMMUNITIES, PERSONAL WEB PAGES, CALENDARS, AND/ OR OTHER MESSAGES OR COMMUNICATION FACILITIES DESIGNED TO ENABLE YOU TO COMMUNICATE WITH THE PUBLIC AT LARGE OR WITH A GROUP (COLLECTIVELY,” COMMUNICATION SERVICES, YOU MAY AGREE TO USE THE COMMUNICATION SERVICES ONLY TO POST, SEND AND RECEIVE MESSAGES AND MATERIALS THAT ARE PROPER AND RELATED TO THE PARTICULAR COMMUNICATION SERVICES BY WAY OF EXAMPLE, AND NOT AS A LIMITATION. YOU MAY AGREE THAT WHEN USING A COMMUNICATION SERVICE YOU WILL NOT:
DEFAME, ABUSE, HARASS, STALK, THREATEN OR OTHERWISE VIOLATE THE LEGAL RIGHTS (SUCH AS RIGHTS OF PRIVACY AND PUBLICITY) OF OTHERS.
PUBLISH, POST, UPLOAD, DISTRIBUTE, OR DISSEMINATE ANY INAPPROPRIATE, PROFANE, DEFAMATORY, INFRINGING, OBSCENE, INDECENT, OR UNLAWFUL TOPIC, NAME, MATERIAL OR INFORMATION.
UPLOAD FILES THAT CONTAIN SOFTWARE OR OTHER MATERIAL PROTECTED BY INTELLECTUAL PROPERTY LAWS (OR BY RIGHTS OF PRIVACY OF PUBLICITY) UNLESS YOU OWN OR CONTROL THE RIGHTS THERETO OR HAV RECEIVED ALL NECESSARY CONSENTS.
UPLOAD FILES THAT CONTAIN VIRUSES, CORRUPTED FILES, OR ANY OTHER SIMILAR SOFTWARE OR PROGRAMMES THAT MAY DAMAGE THE OPERATION OF ANOTHER’S COMPUTER.
ADVERTISE OR OFFER TO SELL OR BUY ANY GOODS OR SERVICES FOR ANY BUSINESS PURPOSE, UNLESS SUCH COMMUNICATION SERVICE SPECIFICALLY ALLOWS SUCH MESSAGES. CONDUCT OR FORWARD SURVEYS, CONTESTS, PYRAMID SCHEMES OR CHAIN LETTERS.
DOWNLOAD ANY FILE POSTED BY ANOTHER USER OF A COMMUNICATION SERVICE THAT YOU MAY KNOW, OR REASONABLY SHOULD KNOW, CANNOT BE LEGALLY DISTRIBUTED IN SUCH MANNER.
FALSIFY OR DELETE ANY AUTHOR ATTRIBUTIONS, LEGAL OR OTHER PROPER NOTICES OR PROPRIETARY DESIGNATIONS OR LABELS OF THE ORIGIN OR SOURCE OF SOFTWARE OR OTHER MATERIAL CONTAINED IN A FILE THAT IS UPLOADED.
RESTRICT OR INHIBIT ANY OTHER USER FROM USING AND ENJOYING THE COMMUNICATION SERVICES.
VIOLATE ANY CODE OF CONDUCT OR OTHER GUIDELINES WHICH MAY BE APPLICABLE FOR ANY PARTICULAR COMMUNICATION SERVICE.
HARVEST OR OTHERWISE COLLECT INFORMATION ABOUT OTHERS, INCLUDING E-MAIL ADDRESSES, WITHOUT THEIR CONSENT.
VIOLATE ANY APPLICABLE LAWS OR REGULATIONS.
JCIA HAS NO OBLIGATION TO MONITOR THE COMMUNICATION SERVICES. HOWEVER, JCIA RESERVES THE RIGHT TO REVIEW MATERIALS POSTED TO A COMMUNICATION SERVICE AND TO REMOVE ANY MATERIALS IN ITS SOLE DISCRETION. JCIA RESERVES THE RIGHT TO TERMINATE YOUR ACCESS TO ANY OR ALL OF THE COMMUNICATION SERVICES AT ANY TIME WITHOUT NOTICE FOR ANY REASON WHATSOEVER.
JCIA RESERVES THE RIGHT AT ALL TIMES TO DISCLOSE ANY INFORMATION AS NECESSARY TO SATISFY ANY APPLICABLE LAW, REGULATION, LEGAL PROCESS OR GOVERNMENTAL REQUEST, OR TO EDIT, REFUSE TO POST OR TO REMOVE ANY INFORMATION OR MATERIALS IN WHOLE OR IN PART, IN JCIA`S SOLE DISCRETION.
ALWAYS USE CAUTION WHEN GIVING OUT ANY PERSONALLY IDENTIFYING INFORMATION ABOUT YOURSELF OR YOUR CHILDREN IN ANY COMMUNICATION SERVICE. JCIA DOES NOT CONTROL OR ENDORSE THE CONTENT, MESSAGES OR INFORMATION FOUND IN ANY COMMUNICATION SERVICE AND, THEREFORE, JCIA SPECIFICALLY DISCLAIMS ANY LIABILITY WITH REGARD TO THE COMMUNICATION SERVICES AND ANY ACTIONS RESULTING FROM YOUR PARTICIPATION IN ANY COMMUNICATION SERVICE. MANAGERS AND HOSTS ARE NOT AUTHORIZED JCIA SPOKESPERSONS, AND THEIR VIEWS DO NOT NECESSARILY REFLECT THOSE OF JCIA.
MATERIALS UPLOADED TO A COMMUNICATION SERVICE MAY BE SUBJECT TO POSTED LIMITATIONS ON USAGE, REPRODUCTION AND/OR DISSEMINATION. YOU ARE RESPONSIBLE FOR ADHERING TO SUCH LIMITATIONS IF YOU DOWNLOAD THE MATERIALS.
MATERIALS PROVIDED TO JCIA OR POSTED AT ANY JCIA WEBSITE
JCIA DOES NOT CLAIM OWNERSHIP OF THE MATERIALS YOU PROVIDE TO JCIA (INCLUDING FEEDBACK AND SUGGESTIONS) OR POST, UPLOAD, INPUT OR SUBMIT TO ANY JCIA WEBSITE OR ITS ASSOCIATED SERVICES (COLLECTIVELY “SUBMISSIONS”). HOWEVER, BY POSTING, UPLOADING, INPUTTING, PROVIDING OR SUBMITTING YOUR SUBMISSION YOU ARE GRANTING JCIA, ITS AFFILIATED COMPANIES AND NECESSARY SUBLICENSEES PERMISSION TO USE YOUR SUBMISSION IN CONNECTION WITH THE OPERATION OF THEIR INTERNET BUSINESSES INCLUDING, WITHOUT LIMITATION, THE RIGHTS TO: COPY, DISTRIBUTE, TRANSMIT, PUBLICLY DISPLAY, PUBLICLY PERFORM, REPRODUCE, EDIT, TRANSLATE AND REFORMAT YOUR SUBMISSION: AND TO PUBLISH YOUR NAME IN CONNECTION WITH YOUR SUBMISSION.
NO COMPENSATION WILL BE PAID WITH RESPECT TO THE USE OF YOUR SUBMISSION, AS PROVIDED HEREIN. JCIA IS UNDER NO OBLIGATION TO POST OR USE ANY SUBMISSION YOU MAY PROVIDE AND MAY REMOVE ANY SUBMISSION AT ANY TIME IN JCIA`S SOLE DISCRETION.
BY POSTING, UPLOADING, INPUTTING OR SUBMITTING YOUR SUBMISSION YOU WARRANT AND REPRESENT THAT YOU OWN OR OTHERWISE CONTROL ALL OF THE RIGHTS TO YOUR SUBMISSION AS DESCRIBED IN THIS SECTION INCLUDING, WITHOUT LIMITATION, ALL RIGHTS NECESSARY FOR YOU TO PROVIDE, POST, UPLOAD, INPUT OR SUBMIT THE SUBMISSIONS.
LIABILITY DISCLAIMER
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN A OR AVAILABLE THROUGH THE JCIA WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. JCIA AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE JCIA WEBSITE AT ANY TIME. ADVICE RECEIVED VIA THE JCIA WEBSITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
JCIA AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE JCIA`S WEBSITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. JCIA AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL JCIA AND /OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE JCIA`S WEB SITE, WITH THE DELAY OR INABILITY TO USE THE JCIA`S WEBSITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE JCIA`S WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE JCIA`S WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF JCIA OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE JCIA`S WEBSITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE JCIA`S WEBSITE.
SERVICE CONTRACT: INFO@JCIALTD.COM (MAILTO:INFO@JCIALTD.COM)
TERMINATION/ ACCESS RESTRICTION
JCIA RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO TERMINATE YOUR ACCESS TO THE JCIA`S WEBSITE AND THE RELATED SERVICES OR ANY PORTION THEREOF AT ANY TIME, WITHOUT NOTICE.
GENERAL
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THIS AGREEMENT IS GOVERNED BY THE LAWS OF JAMAICA AND YOU HEREBY CONSENT TO THE EXCLUSIVE JURISDICTION AND VENUE OF COURTS IN JAMAICA, IN ALL DISPUTES ARISING OUT OF OR RELATING TO THE USE OF THE JCIA`S WEBSITE. USE OF THE JCIA`S WEBSITE IS UNAUTHORIZED IN ANY JURISDICTION THAT DOES NOT GIVE EFFECT TO ALL PROVISIONS OF THESE TERMS AND CONDITIONS, INCLUDING WITHOUT LIMITATION THIS PARAGRAPH. YOU AGREE THAT NO JOINT VENTURE, PARTNERSHIP, EMPLOYMENT, OR AGENCY RELATIONSHIP EXISTS BETWEEN YOU AND JCIA AS A RESULT OF THIS AGREEMENT OR USE OF THE JCIA`S WEBSITE, JCIA`S PERFORMANCE OF THIS AGREEMENT IS SUBJECT TO EXISTING LAWS AND LEGAL PROCESS, AND NOTHING CONTAINED IN THIS AGREEMENT IS IN DEROGATION OF JCIA`S RIGHT O COMPLY WITH GOVERNMENTAL, COURT AND LAW ENFORCEMENT REQUESTS OR REQUIREMENTS RELATING TO YOUR USE OF THE JCIA`S WEB SITE OR INFORMATION PROVIDED TO OR GATHERED BY JCIA WITH RESPECT TO SUCH USE.
IF ANY PART OF THIS AGREEMENT IS DETERMINED TO BE INVALID OR UNENFORCEABLE PURSUANT TO APPLICABLE LAW INCLUDING, BUT NOT LIMITED TO, THE WARRANTY DISCLAIMERS AND LIABILITY LIMITATIONS SET FORTH ABOVE THEN THE INVALID OR UNENFORCEABLE PROVISION WILL BE DEEMED SUPERSEDED BY A VALID, ENFORCEABLE PROVISION THAT MOST CLOSELY MATCHES THE INTENT OF THE ORIGINAL PROVISION AND THE REMAINDER OF THE AGREEMENT SHALL CONTINUE IN EFFECT. UNLESS OTHERWISE SPECIFIED HEREIN, THIS AGREEMENT CONSTITUTES THE ENTIRE AGREEMENT BETWEEN USER AND JCIA WITH RESPECT TO THE JCIA`S WEBSITE AND IT SUPERSEDES ALL PRIOR OR CONTEMPORANEOUS COMMUNICATIONS AND PROPOSALS, WHETHER ELECTRONIC, ORAL OR WRITTEN, BETWEEN THE USER AND JCIA WITH RESPECT TO THE JCIA`S WEB SITE. A PRINTED VERSION OF THIS AGREEMENT AND OF ANY NOTICE GIVEN IN ELECTRONIC FORM SHALL BE ADMISSIBLE IN JUDICIAL OR ADMINISTRATIVE PROCEEDINGS BASED UPON OR RELATING TO THIS AGREEMENT TO THE SAME EXTENT AND SUBJECT TO THE SAME CONDITIONS AS OTHER BUSINESS DOCUMENTS AND RECORDS ORIGINALLY GENERATED AND MAINTAINED IN PRINTED FORM. IT IS THE EXPRESS WISH TO THE PARTIES THAT THIS AGREEMENT AND ALL RELATED DOCUMENTS BE DRAWN UP IN ENGLISH.
INDEMNIFICATION
YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD US, OUR AFFILIATES, SUBSIDIARIES, JOINT VENTURES, THIRD-PARTY SERVICE PROVIDERS, AND OUR RESPECTIVE EMPLOYEES, CONTRACTORS, AGENTS, OFFICERS, AND DIRECTORS HARMLESS FROM ALL LIABILITIES, CLAIMS, AND EXPENSES ( INCLUDING REASONABLE ATTORNEY`S FEES) THAT ARISE OUT OF OR ARE RELATED TO ANY USER-PROVIDER CONTENT YOU SUBMIT, POST, TRANSMIT OR MAKE AVAILABLE THROUGH THE ONLINE SERVICES, YOUR VIOLATION OF THESE TERMS OF USE, YOUR USE OR ANY MISUSE OF THE ONLINE SERVICES OR YOUR VIOLATION OF ANY THIRD -PARTY RIGHTS.
CHOICE OF LAW AND JURISDICTION
YOU AGREE THAT THESE TERMS OF USE WILL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF JAMAICA WITHOUT REGARD TO THE CONFLICTS OF LAWS PRINCIPLES.
ACCOUNT INFORMATION, PASSWORD PROTECTION AND INDEMNIFICATION
JCIA`S SERVICES PROVIDES A SECURE ONLINE TOOL THAT ENABLES YOU TO MANAGE YOUR BUSINESS WITH JCIA VIA THE INTERNET(“ACCOUNT”). IF YOU CREATE AN ACCOUNT VIA THE INTERNET, YOU ARE RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF ANY USERNAME AND PASSWORD AND FOR ANY AND ALL ACTIVITIES THAT OCCUR UNDER YOUR PASSWORD OR ACCOUNT. YOU AGREE TO PROTECT AND KEEP CONFIDENTIAL YOUR ACCOUNT INFORMATION, USER IDS, PASSWORDS, PINS, OR ANY OTHER MEANS OF ACCESSING YOUR ACCOUNT OR ANY OTHER INFORMATION OR CONTENT VIA THE INTERNET, AS APPLICABLE. YOU ALSO AGREE TO IMMEDIATELY NOTIFY JCIA OF ANY UNAUTHORIZED USE OF YOUR ACCOUNT OR ANY OTHER BREACH OF SECURITY KNOWN TO YOU REGARDING YOUR ACCOUNT OR USE VIA THE INTERNET OR BY PHONE AT (TEL: 876 929-5360) OR BY EMAIL AT INFO@JCIALTD.COM(MAIL:INFO@JCIALTD.COM). IF YOU DISCLOSE ANY OF THE FOREGOING INFORMATION, YOU ASSUME ALL RISKS AND LOSSES ASSOCIATED WITH SUCH DISCLOSURE. IF YOU PERMIT ANY OTHER PERSON TO ACCESS YOUR ACCOUNT OR YOUR ACCOUNT INFORMATION, USER IDS, PASSWORDS, PINS, OR ANY OTHER MEANS OF ACCESSING YOUR ACCOUNT, YOU ARE RESPONSIBLE FOR ANY RESULTING TRANSACTIONS OR ACTIVITIES. YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS JCIA, ITS DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS FROM AND AGAINST ALL LOSSES, EXPENSES, DAMAGES AND COSTS, INCLUDING REASONABLE ATTORNEY FEES, ARISING OUT OF OR RELATING TO YOUR USE OF JCIA`S SERVICES OR USE BY ANY OTHER PERSON ACCESSING JCIA`S SERVICES USING YOUR USERNAME AND PASSWORD.
JCIA WILL NOT KNOWINGLY COLLECT OR RETAIN INFORMATION SUBMITTED BY CHILDREN UNDER THE AGE OF 18 WITHOUT THE CONSENT OF THEIR PARENT/S OR GUARDIANS. IF JCIA LEARNS THAT WE UNKNOWINGLY COLLECTED PERSONALLY-IDENTIFYING INFORMATION FROM A CHILD UNDER 18 YEARS OF AGE, WE WILL IMMEDIATELY TAKE ALL REASONABLE MEASURES TO DELETE THE INFORMATION FROM OUR COMPUTER SYSTEMS AND ALL OTHER DATA SYSTEMS.
INFORMATION, NEWS, PRESS RELEASES, AND ILLUSTRATIONS
THE ONLINE SERVICES MAY CONTAIN INFORMATION ABOUT OUR COMPANY, SUCH AS NEWS AND PRESS RELEASES. YOU ACKNOWLEDGE THAT WE HAVE NO DUTY OR OBLIGATION TO MAINTAIN THE ACCURACY OF OR UPDATE ANY SUCH INFORMATION, AND AGREE THAT YOUR RELIANCE ON ANY SUCH INFORMATION IS AT YOUR OWN RISK.
COPYRIGHT AND TRADEMARK NOTICES:
ALL CONTENTS OF THE JCIA`S WEBSITE ARE COPYRIGHT 2021 JCIA AN AFFILIATE OF THE JAMAICA CO-OPERATIVE CREDIT UNION LEAGUE LTD. ALL RIGHTS RESERVED.
INTELLECTUAL PROPERTY NOTICES
EXCEPT WHERE OTHERWISE EXPRESSLY NOTED OR AS NOTED BELOW, THE CONTENTS OF JCIA`S SERVICES, INCLUDING GRAPHICS, ICONS, TEXT SCREENS, AND OVERALL APPEARANCE OF JCIA`S SERVICES, ARE THE SOLE AND EXCLUSIVE PROPERTY OF JCIA AND ARE PROTECTED BY THE COPYRIGHT AND TRADEMARK LAWS OF JAMAICA. THE POSTING OF THE CONTENTS OF JCIA`S ONLINE SERVICES IS NOT A WAIVER OF ANY OF JCIA`S PROPRIETARY RIGHTS, INCLUDING BUT NOT LIMITED TO, COPYRIGHTS, TRADEMARKS, SERVICE MARKS, PATENTS, AND OTHER INTELLECTUAL PROPERTY, NOR A TRANSFER BY IMPLICATION, ESTOPPEL, OR OTHERWISE OF ANY SUCH RIGHTS OR OF ANY LICENSE TO YOU OR ANY THIRD PARTY.
SECURITY OF TRANSMISSIONS
THERE MAY BE SECURITY, TRANSMISSION OR OTHER RISKS ASSOCIATED WITH THE USE OF THE INTERNET AND ONLINE SERVICES AND YOU EXPRESSLY ASSUME ANY AND ALL SUCH RISKS. YOU ARE RESPONSIBLE FOR OBTAINING ALL SOFTWARE, HARDWARE OR OTHER EQUIPMENT NECESSARY TO USE ONLINE SERVICES, INCLUDING, WITHOUT LIMITATION, THE USE OF UP-TO-DATE WEB- BROWSERS AND APPROPRIATE ENCRYPTION, ANTIVIRUS, ANTI-SPYWARE, AND INTERNET SECURITY SOFTWARE. THIS SITE CONTAINS ENCRYPTION METHODS THAT ARE NOT SUPPORTED BY ALL BROWSERS. IF YOU ARE NOT USING A BROWSER THAT SUPPORTS 128-BIT ENCRYPTION, YOU MAY BE UNABLE TO VIEW ALL OF THE INFORMATION AND MATERIALS CONTAINED ON THIS SITE.
REVISION OF TERMS
WE RESERVE THE RIGHT TO REVISE THE TERMS AT OUR SOLE DISCRETION AT ANY TIME. ANY REVISIONS TO THE TERMS WILL BE EFFECTIVE IMMEDIATELY UPON POSTING BY US. FOR ANY MATERIAL CHANGES TO THE TERMS, WE WILL TAKE REASONABLE STEPS TO NOTIFY YOU OF SUCH CHANGES. IN ALL CASES, YOUR CONTINUED USE OF THE SERVICES AFTER PUBLICATION OF SUCH CHANGES WITH OR WITHOUT NOTIFICATION, CONSTITUTES BINDING ACCEPTANCE OF THE REVISED TERM.
MISCELLANEOUS TERMS
TO THE EXTENT ANY PORTION OF THESE TERMS OF USE ARE DETERMINED TO BE UNENFORCEABLE BY A COURT OF COMPETENT JURISDICTION, SUCH PORTION WILL BE MODIFIED BY THE COURT SOLELY TO THE EXTENT NECESSARY TO CAUSE SUCH PORTION TO BE ENFORCEABLE, AND THESE TERMS OF USE, AS SO MODIFIED, SHALL REMAIN IN FULL FORCE AND EFFECT. NO WAIVER BY JCIA OF ANY RIGHT UNDER OR TERM OR PROVISION OF THESE TERMS OF USE WILL BE DEEMED A WAIVER OF ANY OTHER RIGHT, TERM OR PROVISION OF THESE TERMS OF USE AT THAT TIME OR A WAIVER OF THAT OR ANY OTHER RIGHT, TERM, OR PROVISION OF THESE TERMS OF USE AT ANY OTHER TIME.
PROCEDURE FOR REFUND OF PAYMENTS MADE VIA THE ONLINE PORTAL
JAMAICA CO-OPERATIVES INSURANCE AGENCY LTD. WILL REFUND ANY INCORRECT PAYMENT/OVERPAYMENT MADE BY A CUSTOMER VIA THE ONLINE PORTAL ONCE THE FOLLOWING DOCUMENTS ARE SUBMITTED TO THE CUSTOMER SERVICE DEPARTMENT:
WRITTEN REQUEST BY THE CUSTOMER
TRN
VALID IDENTIFICATION, i.e, DRIVERS LICENSE, VOTER`S ID OR PASSPORT
THE LAST FOUR (4) DIGITS ON A CREDIT CARD USED TO MAKE PAYMENT
CARDHOLDER`S NAME
POLICY NUMBER PAYMENT WAS MADE TO
UPON RECEIPT OF THE ABOVE DOCUMENTS THE CUSTOMER`S ACCOUNT WILL BE ADJUSTED IN UNDERWRITER AND A REQUEST SENT TO THE ACCOUNTS DEPARTMENT WHO WILL PREPARE THE REQUISITE REFUND TO THE CUSTOMER`S CREDIT CARD. THE BANK (CREDIT CARD CENTRE) CAN ALSO MAKE THE REQUEST ON BEHALF OF THE CUSTOMER. THIS REQUEST SHOULD BE SUBMITTED ON THE BANK`S LETTERHEAD AND SIGNED BY THE APPROPRIATE SIGNING OFFICER.