Terms Of Use

Please read this Agreement carefully before accessing the AIICO Insurance Plc. website. As a condition to and in consideration of receiving and accessing the AIICO Insurance Plc. website, the user agrees to be bound by the terms of this Agreement. Use of or access to the AIICO Insurance Plc. website shall constitute acceptance of terms of the agreement to be bound by this Agreement.
If you do not wish to be bound by this agreement, do not access The AIICO Insurance Plc. Website. If you have any questions about this Agreement, please contact us via e-mail at info@aiicoplc.com. This e-mail address is being protected from spam bots. You need JavaScript enabled to view it.
THIS AGREEMENT "Agreement" is entered into by you and between AIICO Insurance Plc and any individual, corporation, association, agency, company, or other entity that accesses or uses the AIICO Insurance Plc. Website (the "User" or "you").
The AIICO Insurance Plc. Website, which is provided without charge to you, is a World Wide Web site on the Internet that is designed to allow AIICO Insurance Plc. to communicate with users and for you to interact with those users. The AIICO Insurance Plc. Website is owned and operated by AIICO Insurance Plc. The AIICO Insurance Plc. Website contains or may contain information, communications, opinions, text, graphics, links, electronic art, animations, audio, video, software, photos, music, sounds and other material and data (collectively, "Content") formatted, organized and collected in a variety of forms that are generally accessible to Users, including directories and databases, and areas of the AIICO Insurance Plc. Website that can be modified by Users, such as posting classifieds, uploading multimedia files, registering user profiles, and creating auto-notify, personalized pages, and personalized project areas.
This Agreement comprises the entire agreement between AIICO Insurance Plc. and you, and supersedes any prior agreements with respect to the subject matter herein. AIICO Insurance Plc. may revise this Agreement or any other policy at any time and from time to time, and such revision shall be effective two (2) days upon posting notice of such revision prominently on the AIICO Insurance Plc. Website. You agree to review this Agreement periodically to be aware of such revisions. If any such revision is unacceptable to you, you must discontinue accessing the AIICO Insurance Plc. Website. Your continued accessing and use of the AIICO Insurance Plc. Website following notice of any such revision shall conclusively be deemed acceptance of all such revisions. The provisions of Sections 1.2, 2.1, 2.2, 5.1, 5.2, 5.3, 6 and 7 shall survive the termination or expiration of this Agreement. If any provision of this Agreement or any other policy be held invalid or unenforceable, that portion shall be construed in accordance with applicable law as nearly as possible to reflect the original intention of the parties and the remaining portions will continue in full force and effect. The failure of AIICO Insurance Plc. to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. This Agreement shall be governed by the laws of the state or province of domicile of Guaranty Trust Assurance plc., excluding its conflict of laws rules, and you and the AIICO Insurance Plc. Website each submit to the exclusive jurisdiction of the courts of that state or province. This Agreement is personal to you and you may not assign your rights or obligations thereunder to anyone. All logos, brand names, products, trademarks and service marks appearing herein may be the trademarks or service marks of their respective owners. References to any trademark, service mark and links to or from the AIICO Insurance Plc. Website have been done strictly for clarification and identification and does not constitute endorsement by AIICO Insurance Plc. of the products, services or information offered by the owner of such trademark, service mark or link or endorsement of AIICO Insurance Plc. by such trademark, service mark or link owner.
User Rights And Responsibilities

1.1   Access to the AIICO Insurance Plc. Website

You are responsible for providing all hardware, software, telephone or other communications equipment and/or service to connect to the Internet and access the AIICO Insurance Plc. Website and are responsible for all Internet access charges, telephone charges or other fees or charges incurred in connecting to the Internet and accessing the AIICO Insurance Plc. Website.

1.2   User Conduct

You agree to access and use the AIICO Insurance Plc Website only for lawful purposes. You are solely responsible for the knowledge of and adherence to any and all laws, statutes, rules and regulations, pertaining to (i) your use of the AIICO Insurance Plc. Website, including any Interactive Area, (ii) the use of any networks or other services connected to the AIICO Insurance Plc. Website, and (iii) the communications means by which you connect your modem, computer, or other equipment to the AIICO Insurance Plc. Website. By accessing the AIICO Insurance Plc. Website, you agree that you will not:

  • Restrict or inhibit any other user from using and enjoying the Interactive Features;
  • Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane, or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any local, state, national, or international law;
  • Post or transmit any information, software, or other material which violates or infringes in the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or right holder.
  • Post or transmit any information, software or other material which contains a virus or other harmful component;
  • Alter, damage or delete any Content or other communications that are not your own Content or to otherwise interfere with the ability of others to access the AIICO Insurance Plc. Website;
  • Disrupt the normal flow of communication in an Interactive Area;
  • Claim a relationship with or to speak for any business, association, institution or other organization for which you are not authorized to claim such a relationship;
  • Violate any operating rule, policy or guideline of your Internet access provider or online service.
Intellectual Property Rights
Interactive Areas
You acknowledge that the AIICO Insurance Plc. Website may include various interactive areas ("Interactive Areas"), including but not limited to classifieds. These Interactive Areas allow feedback to the AIICO Insurance Plc. Website and real-time interaction between users. You further understand that AIICO Insurance Plc. does not control the messages, information, or files delivered to such Interactive Areas and that the AIICO Insurance Plc. Website may offer you and other Users the capability of creating and managing an Interactive Area. However, neither AIICO Insurance Plc.  its subsidiary and parent companies, or affiliates, nor their respective directors, officers, employees and agents are responsible for Content within any Interactive Area. Your use and/or management of an Interactive Area will be governed by this Agreement and any additional rules or operating procedures of any Interactive Area established by you or another User, as applicable. You recognize that AIICO Insurance Plc. cannot, and does not intend to, screen communications in advance. Moreover, because the AIICO Insurance Plc. Website encourages open and candid communication in the Interactive Areas, AIICO Insurance Plc. cannot determine in advance the accuracy or conformance to this Agreement of any Content transmitted in an Interactive Area. The AIICO Insurance Plc. Website is not responsible for screening, policing, editing, reviewing or monitoring any Content in an Interactive Area. Notwithstanding the above, you agree that AIICO Insurance Plc. has the right to monitor any Interactive Area, from time to time and to disclose any information as necessary to satisfy any law, regulation or other governmental request, to operate the Interactive Area, or to protect itself or other Users. If notified of content that is alleged not to conform to this Agreement, AIICO Insurance Plc. may investigates the allegation and determine in its sole discretion whether to remove or request the User to remove such Content. AIICO Insurance Plc. reserves the right to prohibit conduct, communication or Content within an Interactive Area, or to edit, refuse to post, or to remove any Content, in whole or in part, which it deems in its sole discretion to (i) violate the then-standard provisions of this Agreement or any other standard, written AIICO Insurance Plc. Website policy in effect at that time, (ii) be harmful to the rights of any User, AIICO Insurance Plc., or other third parties, (iii) violate applicable law, or (iv) be otherwise objectionable.
Termination
The only right with respect to dissatisfaction with any policies, guidelines, or practices of AIICO Insurance Plc. in operating the AIICO Insurance Plc. Website, or any change in Content, is for you to discontinue accessing the AIICO Insurance Plc. Website. AIICO Insurance Plc. may terminate or temporarily suspend your access to all or any part of the AIICO Insurance Plc. Website, without notice, for conduct that AIICO Insurance Plc. believes is a violation of this Agreement or any policies or guidelines posted by Guaranty Trust Assurance plc., or for other conduct which AIICO Insurance Plc. believes, in its sole discretion, is harmful to AIICO Insurance Plc. or other Users. AIICO Insurance Plc. may discontinue operating the AIICO Insurance Plc. Website and terminates this Agreement without notice at any time for any reason in its sole discretion. In the event of termination, you are no longer authorized to access the AIICO Insurance Plc. Website, including the Interactive Areas, and the restrictions imposed on you with respect to Content downloaded from the AIICO Insurance Plc. Website, as well as the disclaimers and limitations of liabilities set forth in this agreement, shall survive.
Links; Disclaimers of Warranties; Limitations of Liability

5.1   Links

You understand that except for Content, products or services expressly available at the AIICO Insurance Plc. Website, neither AIICO Insurance plc, its subsidiary and parent companies, or affiliates, or their respective directors, officers, employees, and agents controls, provides, or is responsible for any Content, goods or services available through sites on the Internet linked to or from the AIICO Insurance Plc. Website. All such Content, goods and services are made accessible on the Internet by independent third parties and are not part of the AIICO Insurance Plc. Website or controlled by AIICO Insurance plc. AIICO Insurance Plc. neither endorses nor is responsible for the accuracy, completeness, usefulness, quality or availability of any Content, goods or services available on any site linked to or from the AIICO Insurance Plc. Website, which are the sole responsibility of such independent third parties, and your use thereof is solely at your own risk. Neither Guaranty Trust Assurance plc, its subsidiary and parent companies, or affiliates, or their respective directors, officers, employees, and agents shall be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused by your use of or reliance on any Content, goods or services available on any site linked to or from the AIICO Insurance Plc. Website or your inability to access the Internet or any site linked to or from the AIICO Insurance Plc. Website.

5.2   Disclaimer of Warranties

Please use your best judgment in evaluating all information contained or opinions expressed on the AIICO Insurance Plc. Website. It is the policy of AIICO Insurance Plc. not to endorse or oppose any opinion expressed by a User or Content provided by a User, Contributor, or other independent party. You expressly agree that your use of the AIICO Insurance Plc. Website is at your sole risk. neither AIICO Insurance Plc. nor any of its subsidiary and parent companies, or affiliates, or their respective directors, officers, employees, agents, contractors, affiliates, licensors or other suppliers providing content, data, information or services warrants that the AIICO Insurance Plc. Website or any internet site linked to or from the AIICO Insurance Plc. Website will be uninterrupted or error free, that defects will be corrected, or that this site, including the interactive areas, or the server that makes it available are free of viruses or other harmful components. nor do any of them make any warranty as to the results that may be obtained from the use of the AIICO Insurance Plc. website or any internet site linked to or from the AIICO Insurance Plc. Website or as to the timeliness, sequence, accuracy, authority, completeness, usefulness, non-infringement, reliability, availability, or substance of any content, information, service, or transaction provided through the AIICO Insurance Plc. Website or any site linked to or from the AIICO Insurance Plc. Website. The AIICO Insurance Plc. Website is provided on an "as is," "as available" basis, without warranties of any kind, either express or implied, including, without limitation, those of merchantability and fitness for a particular purpose.

5.3   Limitation of Liability

Under no circumstances shall AIICO Insurance, its subsidiary and parent companies, or affiliates, or their respective directors, officers, employees, agents, contractors, or licensors, be liable for any direct or incidental, special or consequential damages under or arising from this agreement, the AIICO Insurance Plc. Website, or any Internet site linked to or from the AIICO Insurance Plc. Website, whether for breach of contract, tortuous behavior, negligence, or under any other cause of action, including without limitation, any liability for damages caused or allegedly caused by any failure of performance, error, omission, interruption, electrical surge/damage/interference, deletion, defect, delay in operation or transmission, computer virus, communications line failure, breakdown of equipment, software error, infringement, unauthorized access to, or theft, destruction, alteration, or use of, records, under no circumstances shall AIICO Insurance Plc., its subsidiary and parent companies, or affiliates, or their respective directors, officers, employees, agents, contractors, or licensors, be liable to you or any other third party for any decision made or action taken by you in reliance on the content contained within the AIICO Insurance Plc. Website or the content contained within any Internet site linked to or from the AIICO Insurance Plc. Website. The content within the AIICO Insurance Plc. Website and the content within Internet sites linked to or from the AIICO Insurance Plc. Website may include technical or other inaccuracies or typographical errors. Changes are periodically added to the content herein; these changes will be incorporated in new versions of the AIICO Insurance Plc. Website and specifically are included in this section agreement. AIICO Insurance Plc. and its contributors may make improvements and/or changes in the content at any time and from time to time.
You specifically acknowledge and agree that AIICO Insurance Plc. is not liable for any defamatory, offensive, fraudulent, or otherwise illegal conduct of any user. If you are dissatisfied with any AIICO Insurance Plc. Website site content, or with the access agreement of the AIICO Insurance Plc. Website, in whole or in part, your sole and exclusive remedy is to discontinue using the AIICO Insurance Plc. Website.

Indemnity
You agree to indemnify and hold AIICO Insurance plc. , its parent or subsidiary companies and their affiliates, and their respective directors, officers, employees, and agents from any and all liabilities, claims and expenses, including reasonable attorney’s fees, arising from breach of this Agreement, any other policy, your use or access of the AIICO Insurance Plc. Website or any Internet site linked to or from the AIICO Insurance Plc. Website, or in connection with the transmission of any Content on the AIICO Insurance Plc. Website.

About Us

AIICO Multishield Limited started operations in 1997 and is one of the first set of Health Maintenance Organizations accredited by the National Health Insurance Scheme.
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