TERMS OF USE & DISCLAIMER

This website is maintained and operated by the State Insurance Company of Mauritius Ltd (hereinafter referred to as the “Company”, which term shall, unless repugnant to the context, also refer to its affiliates and subsidiaries). 

By accessing this site you fully agree to be bound by these terms. In the event that you do not agree to be so bound, then you may not use this site as your continued use thereof shall be deemed acceptance of these terms. The Company reserves the right, at its sole discretion, to modify or remove the whole or parts of the contents of the site and these terms without any prior notice. You are encouraged to check these terms of use and condition periodically to ensure that you are aware of the amendments thereto.

Disclaimer
The Company uses all reasonable efforts to ensure that the information in the site is accurate and up-to-date. It makes no warranties or representations with regard to the contents which are provided on an “as is” basis, and accepts no responsibility or liability whatsoever arising from or connected with the use of the site and its contents or that the site will be accessible at all times, that access will be uninterrupted, that the site will be secure or virus free or that any information submitted may be intercepted by unauthorised third parties. 

The Company does not guarantee that the information and/or materials provided 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.  For the avoidance of doubt, the information contained in the Learning Zone is designed for educational and informational purposes only.

It is not intended to replace the advice of a medical doctor, financial or any other professional advisors. You should not rely upon such information as a substitute for professional advice. The Company shall not be held responsible for any act or omission on your part based upon any information contained in the Learning Zone.

The use of the site is at your own risks and the Company will not be responsible in any way for any error or downloaded materials. The Company reserves the right to restrict or terminate your access to this site at any time and without notice.  

The Company disclaims all warranties, whether express or implied, in relation to the site.

Use of contents on the site
All the content on this site (including, without limitation, text, design, graphics, logos, icons, images, audio clips, downloads, interfaces, code and software, as well as the selection and arrangement thereof), is, wherever appropriate, the exclusive property of and owned by the Company, and is protected by copyright, trademark and other applicable laws. You may view, download and print contents from the site subject to the following conditions:

  • The contents are used solely for your personal and non-commercial use
  • The contents are not modified or altered in any way
  • You do not republish or prepare derivative works therefrom without the written authorisation of the Company
  • You do not use any of the Company’s logo (s) without the express consent of the Company
  • You do not acquire any ownership rights to any content on the site.

Comments and suggestions
The Company welcomes any comments and suggestions you may have and you may also submit other content, material and/or information provided:

  • It is your real email address and that you do not impersonate any other person or provide any other information so as to conceal your real identity;
  • It is accurate, reliable and appropriate and its use will not cause hardship to any person including any entity;
  • It is not unlawful, threatening, libellous, defamatory, obscene, scandalous, profane, against copyright laws and it does not constitute or encourage conduct that would be considered a criminal offence, give rise to any civil or criminal liability or violates any law or contain any form of political statements or commercial content or “spam”;
  • It does not contain any malicious software or viruses, worms Trojans or spyware etc;

The Company will cooperate with all law enforcement or regulatory authorities requesting or directing it to disclose the identity of any person posting any such content, material and/or information.

Content, material and/or information submitted by you is deemed to grant to the Company all proprietary rights thereon and as such may be amended, adapted,  and/or used by it for any purpose, including but not restricted to the following: translation, reproduction, disclosure, transmission, publication, broadcast and posting in any media.

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 the Company or endorsed by it and the Company may remove any such views, opinions, comments at its own discretion.    

Products and Services
The Company may advertise its services and products on this site, however this does not warrant that the services or products as featured are 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.

The services and products featured on this site are governed by specific terms and conditions and are subject to the applicable agreement being duly executed.

SICOM Unit Trust

  1. Investors are reminded that the fiscal incentives mentioned above are based on the present tax laws and may therefore be subject to change
  2. Past performance is not necessarily a guide to future performance and the value of an investment, as well as the income from it, can rise as well fall
  3. For a full appreciation of the SICOM General Fund and SICOM Overseas Diversified Fund, the scheme particulars of the Funds should be read in their entity. If you require advice, you should consult your accountant, banker, stockbroker or any other professional advisor.

Copyright
The site and its contents, including, but not limited to, trademarks, service marks and logos are, wherever appropriate, the property of the Company or their respective owners and are protected by copyright laws and regulations.Nothing on this site shall be construed as granting, by implication or otherwise, any license or right to use any trademark, logo or service mark displayed on the site without the Company or the owner's prior written permission.

The compilation, organisation and display of the contents as well as all software and applications used on and in connection with this site are the exclusive property of the Company.

Vacancy
The Company may advertise any vacancy in its establishment but is not bound by such advertisement and reserves its right not to fill any post so advertised.

Indemnity
You agree to defend, indemnify and hold harmless the Company, its directors, officers, employees and agents against all claims, damages, expenses, liabilities, losses and costs that any of them may incur or have to incur as a result of:

  • your use of this site and/or any violation by you of these terms; and
  • any erroneous or misleading content and/or material and/or information supplied by you.

Links
This site may contain links to other websites, however the Company is not responsible for the content of or any error, omission, defect or accuracy of any external websites and therefore such links should not be taken or viewed as an endorsement by the Company of their contents, views, products or services. The Company is not responsible for any losses, damages or other liabilities incurred as a result of your use of any linked sites.

Severability
If any provision of these terms of use is declared by a Court of law to be unlawful, void or unenforceable, the remaining provisions thereof will remain in full force and effect.

Applicable Laws
The laws of the Republic of Mauritius govern this Terms of Use and you irrevocably submit to the jurisdiction of the Mauritian courts in relation to any action arising out of or relating thereto.

Contact Us
If you have any query concerning the above, or if you wish to report any error, you may contact us at email@sicom.intnet.mu