Website Use and Acceptance of Terms

Please read the following Terms and Conditions before using this website, as use of the website constitutes acceptance of the Terms and Conditions as well as any other specific terms and conditions for content and functionality that may be provided on the website.

“We”, “Us”, “Our”, “ICBL” and “ICB” refer to the Insurance Corporation of Barbados Limited.

Changes
We may revise these terms and conditions, without notice, at any time by amending this page. You are advised to check this page from time to time for any changes to these Terms and Conditions. We may also change or withdraw access, use or terms of registration for this website at any time, without notice.

Website information does not constitute financial advice
We may provide financial information, articles and tools to inform you of financial, market and general public conditions. While we make every effort to provide correct information, you should not rely on any of the information on our website as advice or as a recommendation that a product or investment is suitable for you or your circumstances. You should always contact a financial advisor for financial advice.

Third Party Information and Links to Other Sites
Our website contains some information, hyperlinks, tools, articles and resources provided, owned and operated by third parties. We are not responsible for the validity, content accuracy of such publications which are provided for information purposes only and do not represent the views of opinions of ICBL. ICBL does not evaluate or monitor such third party information and does not accept any responsibility or liability for the same.

You are responsible for determining the safety, content or validity of any third party website and should read the terms and conditions of those websites. You must not do anything to corrupt, damage or interfere with our website and you are prohibited from linking any other websites to our website without our express permission.

Intellectual Property

“ICBL” and “ICB” are the trademarks and service marks of the Insurance Corporation of Barbados Limited. Images, logos, names and trademarks on the Site are proprietary marks of Insurance Corporation of Barbados Limited and/or any applicable relevant third party. Unless otherwise agreed in writing, nothing on the website shall be deemed to confer on any person any licence or right to use any such image, logo, name or trademark and any such use may constitute an infringement of the rights of the holder.

Use of Our Website
Our website is for personal use by individuals only and must not be used for commercial purposes. Should we determine that you are using the website for commercial purposes, we may suspend or withdraw your access immediately and may commence legal action against you.

You are prohibited from exploiting, extracting, screen scraping, publishing, distributing or reproducing our website or any part thereof and from using bots or other electronic automatons to interest with the website.

We may take legal action if we discover any unauthorised use or interference with access to this website, misappropriation, misuse or infringement of our content, website functionality, look and feel of the Website or interference with the identity of our website or taking any action to impair the good-will of our trade names, trademarks or other intellectual property.

No communications should be submitted to the addresses found on this website except for the sole purpose for which communication has been invited. Hence no junk mail, bulk mail, chain letters, letters soliciting monetary donations or other forms of communications should be sent to the addresses found on this website.

Information you provide
We require accurate information from you in order to provide you with products and services relevant to your requests. When you provide information to us, you confirm that all data you have given is accurate. If you wish to correct or update the information you give us, you can do so by contacting us.

Intentionally providing false or misleading information or using another person’s e-mail or personal information for the purposes of falsely obtaining any of our products or services, may lead to termination or forfeiture of the product or services and may result in legal action. We may terminate any services or products provided to you or others based upon your intentionally providing materially false information or acting a false identity that you have supplied to us.

Privacy Policy and Cookie Policy
Through your use of our website you agree that personal information provided will be dealt with in accordance with our privacy policy.

Online Payment Service
We offer you an online payment service for certain insurance products as a convenience option to you our valued customer. By using our payment service, you agree to the following Terms and Conditions.

Authentication
This Payment Service incorporates commercially reasonable methods to authenticate the information that you have supplied for making a payment. We cannot accept your payment until the Payment Service authenticates you based on the valid ICBL policy number associated with your policy.

As the user of the Payment Service you will have submitted credit card account (your “Designated Account”) information. You are responsible for any legal, regulatory, or banking penalties and fees that arise in the event that you supply false information for use with the Payment Service.

Client Hub access and password usage 
To obtain access to the Online Payment Service you are required to register with us through the Client Hub. You are responsible for maintaining the confidentiality of your details and your password and for restricting access to your computer to prevent unauthorised access to your account. You accept responsibility for activities that occur under your account and you should take all steps to ensure your password is kept confidential. We are not liable for any unauthorized access to your personal information that is not directly due to the negligence of ICBL. You agree to inform us immediately if you have reason to believe your password is being used in an unauthorised manner. We may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.

Violating the Terms and Conditions of our website sse may lead to a revocation of ICBL website access privileges.

You must not use the Site in any way that causes or is likely to cause access to be interrupted, or impaired in any way and you acknowledge and agree that you are responsible for electronic communications sent from your computer.

Authorization for Payment Service Usage
By using the Online Payment Service, you authorise ICBL, to initiate a charge to your Designated Account according to your instructions. Each time you use the Payment Service to make a payment to ICBL, you will be authorizing ICBL to charge your Designated Account according to your instructions.

By using the Online Payment Service you agree that:

1. No payment, or any portion of a payment, will be considered paid until ICBL receives payment;
2. It is not necessary for any officer or employee of ICBL to sign a debit to your account.

By providing ICBL with the account information for your Designated Account, you authorise ICBL to follow the payment instructions we received from you through the Payment Service. When you use this Payment Service to send ICBL a payment instruction, you authorise ICBL to initiate a message to your credit card provider to charge your Designated Account and to send those funds to ICBL for payment on your policy so that we receive the funds.

Your Representations to Us
By using the Online Payment Service you represent and warrant that:

1. You are 18 years old or older;
2. You are using your actual identity and any information you provide is accurate and complete;
3. The credit card is issued in your name and that you are authorised to incur charges against that credit card;
4. You are legally authorised to make payments using your Designated Account;
5. You have verified that the information is accurate and complete before submitting the information for processing;
6. Your use of the Payment Service will not violate any local, or international laws or regulations.

ICBL shall have no liability to you whatsoever and howsoever arising if your warranties above are untrue.

Cancellation of Payments
If you wish to cancel a payment and obtain a refund, kindly contact our Accounts Department at 434-6000 or 434-6041 or [email protected].

Chargeback Issues
A “chargeback” occurs when a customer disputes a credit card charge. If you intend to dispute or deny a charge, please contact us directly. Please note that it is fraudulent to dispute a valid charge in relation to the purchase of any insurance product from ICBL.

Disputes
If there is a dispute regarding the Payment Service, you agree to resolve the dispute in accordance with recognised dispute resolution procedures and governing law.

Termination of Discontinuation of the Online Payment Service
We reserve the right to terminate the Payment Service at any time, or to terminate your use of the Payment Service. If we terminate your use of the Payment Service, you will need to pay your ICBL bill or premium over the counter at our ICBL Roebuck Street office.

The Online Payment Terms and Conditions are the complete and exclusive statement of the agreement regarding the Payment Service between you and ICBL. It supersedes any proposal or prior agreement, oral or written, and any other communications between you and ICBL specifically relating to the Payment Service. If there is a conflict between any other ICBL communication and the terms of this document, these Online Payment Terms and Conditions will prevail.

Product terms and conditions
The information on this website and the quotes provided do not constitute an offer or an invitation to treat. Submission of any information to this website does not constitute acceptance by ICBL to provide insurance coverage or to renew insurance coverage. A binding quote can only be obtained by a formal proposal to ICBL through its employees and/or agents and approved by the Managing Director.

Any information supplied on this website is subject to the written terms and conditions set out in ICBL's policy documents. The information on this website does not in any way constitute a policy document. Only ICBL acting in its sole discretion can determine if and/or when an insurance policy is to be issued.

The information contained and quotes provided on this website are illustrative. This website provides general explanations of the types of coverage available. The types of coverage available and the prices of such coverage may change without notice to you. ICBL gives no warranty whatsoever that the types of coverage listed in its website are available or would be available to you.

In the event of a conflict between the written terms and conditions of ICBL's policy document and the information, material or quotes appearing on this website, the written terms and conditions as set out in ICBL's current policy document shall prevail.

Limitations of Liability and Exclusions of Warranties
ICBL makes no warranties express, implied or otherwise, as to the usefulness or correctness of the information or material on this website or that the website will function as intended, be secure or its operation will be continuous or be uninterrupted. All implied terms conditions and warranties regarding the functionality and security of the website are excluded to the fullest extent possible, except for those that cannot be lawfully excluded. You agree and acknowledge that internet transactions are never entirely secure or private and that any information sent to you (including credit card  information) may be read or intercepted by others. We have no duty to you arising out of or in connection with the interception of data by unauthorised parties or for any events beyond the reasonable control of ICBL.

To the extent permitted by law, we disclaim liability, whether based in contract tort, negligence, strict liability or otherwise for damages of any kind (including but not limited to direct, indirect, incidental, consequential. Special, punitive or exemplary damages) in any way arising from the functionality or operation of our website (including but not limited to damages arising from interruptions of service or delays in operation or transmission) even if we were expressly advised of the possibility of such damages.

Law
The Laws of Barbados shall govern the use of the website and in the event of a dispute, you irrevocably submit to the exclusive jurisdiction of the Courts of Barbados.