These Terms of Service were last updated on 11 June 2021.

These Terms and Conditions of Service govern your use of the website located at https://mascotbrokers.com and any related services provided by Mascot Insurance Brokers. By accessing https://mascotbrokers.com, you agree to abide by these Terms of Service and to comply with all applicable laws and regulations. If you do not agree with these Terms of Service, you are prohibited from using or accessing this website or using any other services provided by Mascot Insurance Brokers. By using this Website, You acknowledge that You have reviewed, considered the Terms of this Agreement and understand same and agree to be bound by it. If You do not agree with these Terms or do not intend to be bound by it, You must quit the use of this Website immediately. In addition, when using these Service, You shall be subject to any posted guidelines or rules applicable to such services. Accordingly, any participation in this Service shall constitute acceptance of this Agreement.

We, Mascot Insurance Brokers, reserve the right to review and amend any of these Terms of Service at our sole discretion. Upon doing so, we will update this page. Any changes to these Terms of Service will take effect immediately from the date of publication. The Website is an insurance brokerage platform through which Mascot Insurance Brokers Limited connects with its clients and customers to provide insurance brokerage services. This Website is comprised of various web pages operated by Mascot Insurance Brokers Limited. These Services are offered to You upon Your acceptance of the Terms, conditions, notices hereinafter contained. Your use of this Service constitutes Your agreement to all the Terms contained herein.

Acceptable Use Policy

This acceptable use policy covers the products, services, and technologies (collectively referred to as the “Products”) provided by Mascot Insurance Brokers under any ongoing agreement. It’s designed to protect us, our customers and the general Internet community from unethical, irresponsible and illegal activity. Mascot Insurance Brokers customers found engaging in activities prohibited by this acceptable use policy can be liable for service suspension and account termination. In extreme cases, we may be legally obliged to report such customers to the relevant authorities.

Fair use

We provide our facilities with the assumption your use will be “business as usual”, as per our offer schedule. If your use is considered to be excessive, then additional fees may be charged or capacity may be restricted. We are opposed to all forms of abuse, discrimination, rights infringement and/or any action that harms or disadvantages any group, individual or resource. We expect our customers and, where applicable, their users (“end-users”) to likewise engage our Products with similar intent.

Customer accountability

We regard our customers as being responsible for their own actions as well as for the actions of anyone using our Products with the customer’s permission. This responsibility also applies to anyone using our Products on an unauthorised basis as a result of the customer’s failure to put in place reasonable security measures.

By accepting Products from us, our customers agree to ensure adherence to this policy on behalf of anyone using the Products as their end users. Complaints regarding the actions of customers or their end-users will be forwarded to the nominated contact for the account in question.

If a customer — or their end-user or anyone using our Products as a result of the customer — violates our acceptable use policy, we reserve the right to terminate any Products associated with the offending account or the account itself or take any remedial or preventative action we deem appropriate without notice. To the extent permitted by law, no credit will be available for interruptions of service resulting from any violation of our acceptable use policy.

Prohibited activity

Copyright infringement and access to unauthorised material

You are expressly prohibited from collecting, downloading, copying information unduely from the Website. Our Products must not be used to transmit, distribute or store any material in violation of any applicable law. This includes but isn’t limited to: any material protected by copyright, trademark, trade secret or other intellectual property right used without proper authorization, and any material that is obscene, defamatory, constitutes an illegal threat or violates export control laws.

The customer is solely responsible for all material they input, upload, disseminate, transmit, create or publish through or on our Products, and for obtaining legal permission to use any works included in such material. Mascot Insurance Brokers reserves the right to terminate Your use of the Service for violating any of the prohibited uses. Hence, You agree not to use the Service in the following manner:

(I). to harass, abuse or threaten others or otherwise violate any person’s legal rights;
(II). to perpetrate fraud;
(III). to create or transmit unnecessary spam to any person or URL;
(IV). to post, transmit or cause to be posted or transmitted, any communication or solicitation designed to obtain password, account, or private information of other Users or persons;
(V). to post copyrighted content which does not belong to You and without obtaining the prior consent of the author;
(VI). to use robot, spider, scraper or other automated means to access this Service without obtaining the prior consent of the Owner;
(VII). to engage in or create any unlawful gambling, sweepstakes, or scheme;
(VIII). publishing or distributing any obscene or defamatory material;
(IX). using this Service in any way that impacts user access to the Website;
(X). to engage in advertisement or solicit any User to buy or sell products or services without obtaining the prior consent of the Owner;
(XI). disseminating computer viruses or other software;
(XII). violating any intellectual property rights of the Owner or any third party;
(XIII). to use the Website or any of the Services for illegal spam activities.

c. Additionally, you agree that You will not do as follows:

(I). interfere or attempt to interfere with the proper working of this Website; or
(II). bypass any measures we may use to prevent or restrict access to this Website;
(III). to interfere with or circumvent the security features of this Service;
(IV). to damage, disable, overburden or impair this Service or any other person’s use of this Service.
(V). to use this Service contrary to the applicable laws and regulations or in a way that causes, or may cause harm to this Website, any person or business entity.

SPAM and unauthorised message activity

Our Products must not be used for the purpose of sending unsolicited bulk or commercial messages in violation of the laws and regulations applicable to your jurisdiction (“spam”). This includes but isn’t limited to sending spam, soliciting customers from spam sent from other service providers, and collecting replies to spam sent from other service providers.

Our Products must not be used for the purpose of running unconfirmed mailing lists or telephone number lists (“messaging lists”). This includes but isn’t limited to subscribing email addresses or telephone numbers to any messaging list without the permission of the email address or telephone number owner, and storing any email addresses or telephone numbers subscribed in this way. All messaging lists run on or hosted by our Products must be “confirmed opt-in”. Verification of the address or telephone number owner’s express permission must be available for the lifespan of the messaging list.

We prohibit the use of email lists, telephone number lists or databases purchased from third parties intended for spam or unconfirmed messaging list purposes on our Products.

This spam and unauthorised message activity policy applies to messages sent using our Products, or to messages sent from any network by the customer or any person on the customer’s behalf, that directly or indirectly refer the recipient to a site hosted via our Products.

Unethical, exploitative, and malicious activity

Our Products must not be used for the purpose of advertising, transmitting or otherwise making available any software, program, product or service designed to violate this acceptable use policy, or the acceptable use policy of other service providers. This includes but isn’t limited to facilitating the means to send spam and the initiation of network sniffing, pinging, packet spoofing, flooding, mail-bombing and denial-of-service attacks.

Our Products must not be used to access any account or electronic resource where the group or individual attempting to gain access does not own or is not authorised to access the resource (e.g. “hacking”, “cracking”, “phreaking”, etc.).

Our Products must not be used for the purpose of intentionally or recklessly introducing viruses or malicious code into our Products and systems.

Our Products must not be used for purposely engaging in activities designed to harass another group or individual. Our definition of harassment includes but is not limited to denial-of-service attacks, hate-speech, advocacy of racial or ethnic intolerance, and any activity intended to threaten, abuse, infringe upon the rights of or discriminate against any group or individual.

Other activities considered unethical, exploitative and malicious include:

Obtaining (or attempting to obtain) services from us with the intent to avoid payment;
Using our facilities to obtain (or attempt to obtain) services from another provider with the intent to avoid payment;
The unauthorised access, alteration or destruction (or any attempt thereof) of any information about our customers or end-users, by any means or device;
Using our facilities to interfere with the use of our facilities and network by other customers or authorised individuals;
Publishing or transmitting any content of links that incite violence, depict a violent act, depict child pornography or threaten anyone’s health and safety;
Any act or omission in violation of consumer protection laws and regulations;
Any violation of a person’s privacy.

Our Products may not be used by any person or entity, which is involved with or suspected of involvement in activities or causes relating to illegal gambling; terrorism; narcotics trafficking; arms trafficking or the proliferation, development, design, manufacture, production, stockpiling, or use of nuclear, chemical or biological weapons, weapons of mass destruction, or missiles; in each case including any affiliation with others whatsoever who support the above such activities or causes.

Unauthorised use of Mascot Insurance Brokers property

We prohibit the impersonation of Mascot Insurance Brokers, the representation of a significant business relationship with Mascot Insurance Brokers, or ownership of any Mascot Insurance Brokers property (including our Products and brand) for the purpose of fraudulently gaining service, custom, patronage or user trust.

About this policy

This policy outlines a non-exclusive list of activities and intent we deem unacceptable and incompatible with our brand.
We reserve the right to modify this policy at any time by publishing the revised version on our website. The revised version will be effective from the earlier of: the date the customer uses our Products after we publish the revised version on our website;
or 30 days after we publish the revised version on our website.

Limitations of Use

By using this website, you warrant on behalf of yourself, your users, and other parties you represent that you will not: modify, copy, prepare derivative works of, decompile, or reverse engineer any materials and software contained on this website;
remove any copyright or other proprietary notations from any materials and software on this website;
transfer the materials to another person or “mirror” the materials on any other server;
knowingly or negligently use this website or any of its associated services in a way that abuses or disrupts our networks or any other service Mascot Insurance Brokers provides;
use this website or its associated services to transmit or publish any harassing, indecent, obscene, fraudulent, or unlawful material;
use this website or its associated services in violation of any applicable laws or regulations;
use this website in conjunction with sending unauthorised advertising or spam;
harvest, collect or gather user data without the user’s consent; or
use this website or its associated services in such a way that may infringe the privacy, intellectual property rights, or other rights of third parties.

Intellectual Property

The intellectual property in the materials contained in this website are owned by or licensed to Mascot Insurance Brokers and are protected by applicable copyright and trademark law. We grant our users permission to download one copy of the materials for personal, non-commercial transitory use.

This constitutes the grant of a license, not a transfer of title. This license shall automatically terminate if you violate any of these restrictions or the Terms of Service, and may be terminated by Mascot Insurance Brokers at any time.

Liability

Our website and the materials on our website are provided on an ‘as is’ basis. To the extent permitted by law, Mascot Insurance Brokers makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property, or other violation of rights.

In no event shall Mascot Insurance Brokers or its suppliers be liable for any consequential loss suffered or incurred by you or any third party arising from the use or inability to use this website or the materials on this website, even if Mascot Insurance Brokers or an authorised representative has been notified, orally or in writing, of the possibility of such damage.

In the context of this agreement, “consequential loss” includes any consequential loss, indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity or otherwise.

Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Accuracy of Materials

The materials appearing on our website are not comprehensive and are for general information purposes only. Mascot Insurance Brokers does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on this website, or otherwise relating to such materials or on any resources linked to this website.

Links

Mascot Insurance Brokers has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement, approval or control by Mascot Insurance Brokers of the site. Use of any such linked site is at your own risk and we strongly advise you make your own investigations with respect to the suitability of those sites.

Privacy Policy

Our privacy policy explains how we treat Your personal data and protect Your privacy when You use our Service. By using our Service, You agree that the Owner can use such data in the manner described in the our Privacy Policy located in: www.mascotbrokers.com/privacy-policy/.

Payment and Billing

If You register for our Service or to purchase any Services offered on this Website, You agree to pay the full price for the Services when the purchase is made. The total price will also include the taxes applicable on the date of purchase. The total price of the Services provided including all applicable taxes is included upon the confirmation of the service requested.

Performance of Services

Upon payment for our Services, We may offer You the opportunity to book a time and date for the performance of the Services. The Services will be performed within a reasonable time. If You have any questions regarding the time and date for the performance, contact us.

Electronic Communications

You consent to receive electronic communications and You agree that all agreements, notices, disclosures and other communications we provide to You electronically, via email and on this Website, satisfy any legal requirements that communications must be in writing.

Reverse Engineering and Security

You hereby agree as follows:
(I). not to reverse engineer or permit the reverse engineering or dissemble any code or software from or on the Website or Services.
(II). not to violate the Security of the Website or other Services through any unauthorized access, circumvention of encryption or other security tools, data mining or interference with any host or User or network.

Change to Service

a. You accept that the Owner may vary, alter, amend or update the Content or Service, Services at any time and without Your consent.
b. You also agree that the Services may not be available at all times and this may be as a result of the maintenance or for any other reason and we shall not be held liable for the failure to provide this Service.

Indemnification

You hereby agree to indemnify the Owner, its employees, agents and third parties from and against all liabilities, cost, demands, cause of action, damages and expenses (including reasonable attorney’s fees) arising out of Your use or inability to use, any uploads made by You, Your violation of any rights of a third party and Your violation of applicable laws, rules or regulation.

No Absolute Warranties

You agree that You use this Website solely at Your risk as the Owner only warrants the accuracy of the contents in this Website only to the extent to which it is allowed by the law.

The Owner expressly disclaims all express and implied warranties such as implied warranty of merchantability as the Owner makes no warranties that the Website or other Services will be entirely accurate, error free, secure or uninterrupted. The Owner makes no warranty about the suitability, reliability, availability, timeliness and absolute accuracy of the information, Contents, Services and other materials contained herein for any purpose. The Owner hereby disclaims all warranties and conditions with regard to the information, software, Products and related graphics and materials, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title and non-infringement.

You also agree that the Owner and its affiliates shall not be liable for any direct, indirect, punitive and all consequential damages or any damages whatsoever including, but not limited to damages for loss of use, data or profits, the failure to provide Services or for any information, software, Products, Services, related graphics and materials obtained through this Website, or otherwise arising out of the use of this Website, whether based on contract, negligence, strict liability, or otherwise.

General Representation and Warranty

You represent and warrant that (i) your use of the Site will be in strict accordance with this Agreement and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside) and (ii) your use of the Site will not infringe or misappropriate the intellectual property rights of any third party.

Service Interruptions

The Owner may from time to time interrupt Your access or use of this Website to perform some maintenance or emergency services and You agree that the Owner shall not be held liable for any damage, loss which may arise thereof.

General Provisions

a. Assignment: The Owner shall be permitted to assign, transfer its rights and/or obligations under these Terms. However, You shall not be permitted to assign, transfer any rights and/or obligations under these Terms.
b. Entire Agreement: These Terms, disclaimers and any other agreement relating to the use of this Website constitutes the entire agreement and shall supersede any other agreement.
c. Separate Agreements: You may have other legal agreements with us. Those agreements are separate from these Terms. These Terms are not intended to alter, amend, revise or replace the terms of the other agreement.
d. Applicable law: These Terms may be governed and construed in accordance with the Laws, regulations or guidelines of the Federal Republic of Nigeria and other treaties, or regulations which is applicable in Nigeria.
e. Variation: The Owner may revise these Terms at any time as it sees fit, and by using this Website, You undertake that You shall review the terms of the revised Terms before accepting same. If any part of the of the Terms or any modification thereof is considered invalid or unenforceable, the remaining parts shall be considered valid and enforceable.
f. Waiver: Failure to exercise any right in these Terms shall not operate as a waiver. The right or remedies herein provided are cumulative and not exclusive of any right or remedies provided by law.
g. Severability: Every provision contained herein is intended to be severable. If any provision is invalid for any reason whatsoever, such invalidity shall not affect the validity of other clauses of these Terms.
h. Right to Terminate: We may suspend or terminate your right to use our website and terminate these Terms of Service immediately upon written notice to you for any breach of these Terms of Service.

Acceptance

You acknowledge that you have read through and agree to all the terms and conditions. By using the Website or its Services you agree to be bound by these terms. If you do not agree to abide by the terms of these terms, you are not authorized to use or access the Website and its Services.

Contacting Us

If you would like to contact us to understand more about these terms or wish to contact us concerning any matter relating to individual rights and your Personal Information, you may send an email to: support@mascotbrokers.com