Terms & Conditions

Please read these terms and conditions carefully before using Our Service.

INTERPRETATION AND DEFINITIONS

INTERPRETATION
The words of which the initial letter is capitalized have meanings defined under the
following conditions. The following definitions shall have the same meaning regardless of
whether they appear in singular or in plural.

DEFINITIONS
For the purposes of these Terms and Conditions:
Affiliate means an entity that controls, is controlled by or is under common control with a
party, where “control” means ownership of 50% or more of the shares, equity interest or
other securities entitled to vote for election of directors or other managing authority.

Country refers to: Nigeria

Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement)
refers to Anchor Insurance Company limited, Plot 21 Ahmed Onibudo Street, Victoria
Island, Lagos.

Device means any device that can access the Service such as a computer, a cellphone
or a digital tablet.

Service refers to the Website.

Terms and Conditions (also referred as “Terms”) mean these Terms and Conditions that
form the entire agreement between You and the Company regarding the use of the
Service.

Third-party Social Media Service means any services or content (including data,
information, products or services) provided by a third-party that may be displayed,
included or made available by the Service.

Website refers to www.anchorinsuranceng.com , accessible from
http://www.anchorinsuranceng.com

You mean the individual accessing or using the Service, or the company, or other legal
entity on behalf of which such individual is accessing or using the Service, as applicable.

ACKNOWLEDGMENT

These are the Terms and Conditions governing the use of this Service and the agreement
that operates between You and the Company. These Terms and Conditions set out the
rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and
compliance with these Terms and Conditions. These Terms and Conditions apply to all
visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions.
If You disagree with any part of these Terms and Conditions then You may not access the
Service.

You represent that you are over the age of 18. The Company does not permit those under
18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and
compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our
policies and procedures on the collection, use and disclosure of Your personal
information when You use the Application or the Website and tells You about Your
privacy rights and how the law protects You. Please read Our Privacy Policy carefully
before using Our Service.

LINKS TO OTHER WEBSITES

Our Service may contain links to third-party web sites or services that are not owned or
controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy
policies, or practices of any third-party web sites or services. You further acknowledge
and agree that the Company shall not be responsible or liable, directly or indirectly, for
any damage or loss caused or alleged to be caused by or in connection with the use of
or reliance on any such content, goods or services available on or through any such web
sites or services.

We strongly advise You to read the terms and conditions and privacy policies of any thirdparty web sites or services that You visit.

TERMINATION

We may terminate or suspend Your access immediately, without prior notice or liability,
for any reason whatsoever, including without limitation if You breach these Terms and
Conditions.

Upon termination, your right to use the Service will cease immediately.

LIMITATION OF LIABILITY

You expressly understand and agree that Anchor Insurance company Limited shall not
be liable for any direct, indirect, incidental, special, consequential or exemplary
damages, including but not limited to, damages for loss of profits, goodwill, use, data or
other intangible losses (even if Anchor Insurance company Limited has been advised of
the possibility of such damages) resulting from:

  • The use or the inability to use the service;
  • ▪ The cost of procurement of substitute goods and services resulting from any goods,data, information or services purchased or obtained or messages received, or transactions entered into through or from the service;
  • Unauthorized access to or alteration of your transmissions or data;
  • Statements or conduct of any third party on the service; or
  • Any other matter relating to the service.

TRADEMARK INFORMATION

The name “Anchor Insurance company Limited” and Anchor Insurance company
Limited’s logo are trademarks of Anchor Insurance company Limited.

“AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided to You “AS IS” and “AS AVAILABLE” and with all faults and defects
without warranty of any kind. To the maximum extent permitted under applicable law,
the Company, on its own behalf and on behalf of its Affiliates and its and their respective
licensors and service providers, expressly disclaims all warranties, whether express,
implied, statutory or otherwise, with respect to the Service, including all implied warranties
of merchantability, fitness for a particular purpose, title and non-infringement, and
warranties that may arise out of course of dealing, course of performance, usage or
trade practice. Without limitation to the foregoing, the Company provides no warranty
or undertaking, and makes no representation of any kind that the Service will meet Your
requirements, achieve any intended results, be compatible or work with any other
software, applications, systems or services, operate without interruption, meet any
performance or reliability standards or be error free or that any errors or defects can or
will be corrected.

Without limiting the foregoing, neither the Company nor any of the company’s provider
makes any representation or warranty of any kind, express or implied: (i) as to the
operation or availability of the Service, or the information, content, and materials or
products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as
to the accuracy, reliability, or currency of any information or content provided through
the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on
behalf of the Company are free of viruses, scripts, trojan horses, worms, malware,
timebombs or other harmful components.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations
on applicable statutory rights of a consumer, so some or all of the above exclusions and
limitations may not apply to You. But in such a case the exclusions and limitations set forth
in this section shall be applied to the greatest extent enforceable under applicable law.

GENERAL INFORMATION

The Terms of Service constitute the entire agreement between you and Anchor Insurance
company Limited and govern your use of the Service, superseding any prior agreements
between you and Anchor Insurance company Limited. You also may be subject to
additional terms and conditions that may apply when you use affiliate services, thirdparty matter or third-party software. The Terms of Service and the relationship between you and Anchor Insurance company Limited shall be governed by the laws of the Federal
Republic of Nigeria without regard to its conflict of law provisions. You and Anchor
Insurance company Limited agree to submit to the personal and exclusive jurisdiction of
the courts located within Lagos State of Nigeria. The failure of Anchor Insurance
company Limited to exercise or enforce any right or provision of the Terms of Service shall
not constitute a waiver of such right or provision or prevent a subsequent enforcement
of that or any other right or provision. If any provision of the Terms of Service is found by a
court of competent jurisdiction to be invalid, the parties nevertheless agree that the court
should endeavour to give effect to the parties’ intentions as reflected in the provision,
and that all the provisions of the Terms of Service shall remain in full force and effect. You
agree that regardless of any provision of any statute or law to the contrary, any claim or
cause of action arising out of or related to use of the Service, or the Terms of Service must
be filed within one (1) year after such claim or cause of action arose or be forever barred
and extinguished.

SEVERABILITY AND WAIVER

SEVERABILITY

If any provision of these Terms is held to be unenforceable or invalid, such provision will
be changed and interpreted to accomplish the objectives of such provision to the
greatest extent possible under applicable law and the remaining provisions will continue
in full force and effect.

WAIVER

Except as provided herein, the failure to exercise a right or to require performance of an
obligation under this Terms shall not effect a party’s ability to exercise such right or require
such performance at any time thereafter nor shall be the waiver of a breach constitute
a waiver of any subsequent breach.

CHANGES TO THESE TERMS AND CONDITIONS

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time.
If a revision is material, we will make reasonable efforts to provide at least 30 days’ notice
prior to any new terms taking effect. What constitutes a material change will be
determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You
agree to be bound by the revised terms. If You do not agree to the new terms, in whole
or in part, please stop using the website and the Service.

Contact Us

If you have any questions about these Terms and Conditions, contact us:

By email: [email protected]
By visiting this page on our website: http://www.anchorinsuranceng.com
By phone number: +23413425908; +23414540100

Last updated: August 18, 2020