Terms of use

Welcome to the “ILA website”, which is owned and operated by the Island Life Assurance Co. Ltd (hereinafter referred to as “ILA”). ILA maintains this Site as a service to its visitors, subject to the following terms and conditions concerning the use of the Site (“Terms of Use”). When you use the Site, you accept and fully agree to be bound by the Terms of Use; if you do not agree to the Terms of Use you may not use the Site. ILA reserves the right, at its sole discretion, to modify or remove the whole or parts of the contents on the Site and to amend these Terms of Use periodically without prior notice. It is your responsibility as a user to refer to the terms on accessing this service and to ensure that you are aware of the amendments thereto. Changes will be effective immediately and you will be deemed to have accepted any change if you continue to access the Site after that time.

a)    Copyright
The Site and its contents are the property of ILA and are protected by Mauritian copyright laws, regulations and international treaty provisions. The compilation, organization and display of the content as well as all software and inventions used on and in connection with this Site are the exclusive property of ILA.

b)    Trademark Information
ILA service marks, trademarks, logos or slogans and other marks indicated on our site are trademarks of ILA. Other marks, graphics, logos, page headers, button icons, scripts noted on the Site are the sole and exclusive property of ILA.

ILA marks and trademarks may not be used in any manner that is likely to cause confusion among customers, in any manner that disparages or discredits ILA in connection with any service or product that is not sponsored, endorsed or produced by ILA. All other trademarks not owned by ILA or its affiliates that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by ILA or its affiliates.

c)    Limited Permission to Copy
You are permitted to print or download extracts from these pages for your personal and non-commercial use only. Any copies of these pages saved to disk or to any other storage medium may only be used for subsequent viewing purposes or to print extracts for personal use. You may not (whether directly or through the use of any software program) create a database in electronic or structured manual form by regularly or systematically downloading and storing all or any part of the pages from the Site. No part of the Site may be reproduced, modified or altered in any way or transmitted to or stored in any other web site, nor may any of its pages or part thereof be disseminated in any electronic or non-electronic form, nor included in any public or private electronic retrieval system or service without ILA’s prior written permission. For permission to reproduce any contents of this web site or to use any of ILA’ logos, please contact ILA.
You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of ILA without the express written consent of ILA. You may not use any meta tags or any other “hidden text” utilizing ILA name link without express written permission. You do not acquire any ownership rights to any content in the Site. Any unauthorized use terminates the permission or license granted by ILA.

d)    Indemnity
You agree to defend, indemnify, and hold harmless ILA, its directors, officers, employees, affiliates, attorneys and agents against all claims, expenses, liabilities, losses, costs and damages, including reasonable attorney’s fees, arising from:
(i)    your use of the Site or any hyperlinked Web site/or any violation by you of these terms or
(ii)    the content you supply.

e)    Limitation of Liability
In no event will ILA be liable for any damages, including but not limited to, direct or indirect, special, incidental, or consequential damages, losses or expenses arising out of or in connection with this site or use thereof, or incurred as a result of any failure of performance, omission, error, defect, delay in operation or transmission, computer virus or line or system failure, even if ILA, its employees or representatives thereof, are advised of the possibility of such damages, losses or expenses.

f)    Material Submitted by Users
Certain elements of the Site may contain material submitted by users. ILA accepts no responsibility for the content or accuracy of such material.
You may submit comments and suggestions and provide other content so long as the content is not obscene, illegal, threatening, or defamatory and so long as the content does not invade the privacy or infringe the intellectual property of a third party. Further, such content may not contain software viruses, mass mailings, chain letters, or any form of “spam”. You may not use a false e-mail address, impersonate any person or entity or provide any other information so as to conceal your real identity, or otherwise mislead as to the origin of the information.
By submitting information, you grant ILA a nonexclusive, royalty-free, perpetual, irrevocable and fully sub-licensable right to reproduce, use, modify, publish, adapt, translate, create derivative works from, distribute and display such content throughout the world in any media. By submitting information, you also represent and warrant that the content is accurate; you own or have permission to use the content that you submit; and that use of the content will not cause injury to any person or entity.
Any views, opinions or comments expressed by users of this site are their personal views, opinions and comments and unless specifically stated are not to be considered the views of ILA or endorsed by it and ILA may remove any such views, opinions, comments at its own discretion.

g)    Products and Services Offered by ILA on the Site
ILA offers services and advertise its products on the Site. When you enroll to obtain a service or a product from ILA on the Site, you accept the specific agreement applicable to that service or product. Your use of any such service offered on the Site is governed by the terms and conditions in the agreement for that product or service. Except as provided in that agreement, ILA does not warrant that any descriptions or content contained in this Web site is accurate, current, reliable, complete or error-free.
Actual results may differ from forecasts, estimates and summary information due to changes in law and/or market conditions and/or inadvertent error.

h)    Applicable Laws
All matters relating to your access to and use of the Site shall be governed by Mauritian laws. Any legal action or proceeding relating to your access to or use of the Site shall be instituted in a court of the Republic of Mauritius.

i)    Severability
If there is a determination that any provision of these Terms of Use is invalid or unenforceable, that determination will not affect the rest of the Terms of Use and the Terms of Use shall be deemed amended to the minimum extent necessary to make them valid and enforceable.

DISCLAIMER 
The contents of this Site are only for general information or use. ILA will not be liable for any damages (including, without limitation, damages for loss of business projects, or loss of profits) arising in contract, tort or otherwise from the use of or inability to use the Site, or any of its contents, or from any action taken (or refrained from being taken) as a result of using the Site or any such contents. ILA makes no warranty that the contents of the Site are free from infection by viruses or anything else which has contaminating or destructive properties.
Certain links on the Site may lead to resources located on servers maintained by third parties over whom ILA has no control. ILA accepts no responsibility or liability for any of the material contained on those servers.
Except as expressly stated in an agreement between you and ILA, all content, services and products provided on this web site are provided “as is” without warranty of any kind, either express or implied. ILA disclaims all warranties, express or implied including, without limitation, those of merchantability, fitness for a particular purpose and non-infringement. You are solely responsible for the appropriateness of the site, its content, and the products and services offered by ILA on the site for your intended application and use. ILA does not warrant that the site, its content, or the products and services it offers on the site meet your requirements. You should therefore not take any action or take any decision based solely upon the contents of this site. You are advised to effect proper verification of any fact, views, opinion or recommendation before taking any action or making any decision. Subject to the terms of any agreement between you and ILA, ILA shall not be liable for any direct, indirect, special, consequential, incidental, or punitive damages, even if ILA has been advised of the possibility of such damages.
The use of the Site is at your own risks and ILA will not be responsible in any way for any error or downloaded materials. ILA reserves the right to restrict or terminate your access to this site at any time and without notice.

Contact Information 
If you have any If you have any questions regarding this Terms of Use and Disclaimer, please contact us as follows:
•    Tel: 217-6900
•    Fax: 217-6901
•    Email: webmaster@ila.mu
•    Postal Address: Island Life Assurance Co. Ltd – Corner Leoville L’homme & Sir William Newton Streets, Port Louis, Mauritius