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Terms of Use


The following are terms of a legal agreement between you and African Life Assurance (T) Limited. By accessing, browsing, or using this Web site, you acknowledge that you have read, understood, and agree to be bound by these terms and to comply with all applicable laws and regulations. If you do not agree to these terms, please do not use this Web site.

African Life Assurance (T) Limited may, without notice to you, at any time revise these Terms of Use and any other information contained in this Web site by updating this posting. African Life Assurance (T) Limited may also make improvements or changes in the products, services, or programs described in this site at any time without notice.

This site and all content in this site may not be copied, reproduced, republished, uploaded, posted, transmitted, distributed, or used for the creation of derivative works without proprietary’s prior written consent, except that proprietary grants you non-exclusive, non-transferable, limited permission to access and display the Web pages within this site, solely on your computer and for your personal, non-commercial use of this Web site. You may not mirror any of the content from this site on another Web site or in any other media.

Certain Disclaimer

Information on this Web site is not promised or guaranteed to be correct, current, or complete, and this site may contain technical inaccuracies or typographical errors. African Life Assurance (T) Limited assumes no responsibility (and expressly disclaims responsibility) for updating this site to keep information current or to ensure the accuracy or completeness of any posted information. Accordingly, you should confirm the accuracy and completeness of all posted information before making any decision related to any services, products, or other matters described in this site.

African Life Assurance (T) Limited provides no assurances that any reported problems will be resolved by African Life Assurance (T) Limited, even if African Life Assurance (T) Limited elects to provide information with the goal of addressing a problem.

Confidential Information

African Life Assurance (T) Limited does not want to receive confidential or proprietary information from you through our Web site. Please note that any information or material sent to African Life Assurance (T) Limited will be deemed NOT to be confidential. By sending African Life Assurance (T) Limited any information or material, you grant African Life Assurance (T) Limited an unrestricted, irrevocable license to copy, reproduce, publish, upload, post, transmit, distribute, publicly display, perform, modify, create derivative works from, and otherwise freely use, those materials or information. You also agree that African Life Assurance (T) Limited is free to use any ideas, concepts, know-how, or techniques that you send us for any purpose.

However, we will not release your name or otherwise publicize the fact that you submitted materials or other information to us unless: (a) we obtain your permission to use your name; or (b) we first notify you that the materials or other information you submit to a particular part of this site will be published or otherwise used with your name on it; or (c) we are required to do so by law. Personally-identifiable information that you submit to African Life Assurance (T) Limited for the purpose of receiving products or services will be handled in accordance with our privacy policies. Please see the tab entitled “Privacy” for more information.

Global Availability

The information African Life Assurance (T) Limited publishes on the World Wide Web may contain references or cross references to African Life Assurance (T) Limited products, programs and services that are not announced or available in your country. Such references do not imply that African Life Assurance (T) Limited intends to announce or make available such products, programs, or services in your country.

Business Relationships

This Web site may provide links or references to non- African Life Assurance (T) Limited Web sites and resources. African Life Assurance (T) Limited makes no representations, warranties, or other commitments whatsoever about any non- African Life Assurance (T) Limited Web sites or third-party resources that may be referenced, accessible from, or linked to African Life Assurance (T) Limited site.

A link to a non- African Life Assurance (T) Limited Web site does not mean that African Life Assurance (T) Limited endorses the content or use of such Web site or its owner. In addition, African Life Assurance (T) Limited is not a party to or responsible for any transactions you may enter into with third parties, even if you learn of such parties (or use a link to such parties) from an African Life Assurance (T) Limited site.

Accordingly, you acknowledge and agree that African Life Assurance (T) Limited is not responsible for the availability of such external sites or resources, and is not responsible or liable for any content, services, products, or other materials on or available from those sites or resources.

When you access a non- African Life Assurance (T) Limited Web site, even one that may contain the African Life Assurance (T) Limited logo, please understand that it is independent from African Life Assurance (T) Limited, and that African Life Assurance (T) Limited does not control the content on that Web site. It is up to you to take precautions to protect yourself from viruses, worms, Trojan horses, and other potentially destructive programs, and to protect your information as you deem appropriate.

Link to this Site

All links to this Web site must be approved in writing by African Life Assurance. As a further condition to being permitted to link to this site, you agree that African Life Assurance (T) Limited may at any time, in its sole discretion, terminate permission to link to this Web site. In such event, you agree to immediately remove all links to this Web site and to cease using any African Life Assurance (T) Limited trademark.


Certain text in this Web site may be made available in languages other than English. Text may be translated by a person or solely by computer software with no human intervention or review. These translations are provided as a convenience to you, and African Life Assurance (T) Limited makes no representations or commitments regarding the accuracy or completeness of the translation, whether or not computer-generated or performed by a person. Please see the below Disclaimer of Warranty for additional conditions.

Disclaimer of Warranty

Use of this site is at your sole risk. All materials, information, products and services are provided “as is,” with no warranties or guarantees whatsoever. Without limitation, African Life Assurance (T) Limited makes no warranty or guarantee that this web site will be uninterrupted, timely, secure, or error-free.

You understand and agree that if you download or otherwise obtain materials, information, products or services, you do so at your own discretion and risk and that you will be solely responsible for any damages that may result, including loss of data or damage to your computer system.

Limitation of Liability

In no event will African Life Assurance (T) Limited be liable to any party for any direct, indirect, incidental, special, exemplary or consequential damages of any type whatsoever related to or arising from this web site or any use of this web site, or of any site or resource linked to, referenced, or accessed through this web site, or for the use or downloading of, or access to, any materials, information, products, or services, including, without limitation, any lost profits, business interruption, lost savings or loss of programs or other data, even if African Life Assurance (T) Limited is expressly advised of the possibility of such damages. This exclusion and waiver of liability applies to all causes of action, whether based on contract, warranty, tort, or any other legal theories.

Additional or different terms, conditions, and notices may apply to specific materials, information and services offered through this Web site. In the event of any conflict, such additional or different terms, conditions, and notices will prevail over these Terms of Use.

Email Terms of Use

The content of an email – which may include one or more attachments – is strictly confidential, and is intended solely for the use of the named recipient(s). If you’ve received this email in error, you’re not permitted to disclose, distribute or retain it – you’re requested to notify the sender immediately by return email and then delete it.

Email isn’t necessarily secure or error-free; information could arrive late or contain viruses, or be incomplete, intercepted, corrupted, lost, or destroyed. It’s the responsibility of the named recipient(s) to ensure that emails are virus-free. African Life Assurance (T) Ltd does not accept any liability for damage caused by any virus or other malware transmitted by this email.

No employee, contractor, or intermediary is authorised to conclude an agreement on behalf of any member of the African Life Assurance (T) Ltd by email, without express written confirmation by a duly authorised representative of that member.

The use or content of email is intended for the African Life Assurance (T) Ltd business. If it’s used for any other purpose, the views expressed are those of the sender and no liability will attach to any member African Life Assurance (T) Ltd.

African Life Assurance (T) Ltd reserves the right to monitor, access, intercept or block emails addressed to all African Life Assurance (T) Ltd addressees, in accordance with our email policy, as it applies from time to time.

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