1. Acceptance of Terms
Askari Fintech Limited (Askari) is the owner and operator of Askari.co.mz. The Terms are entered into by and between Askari Fintech Limited and You. Any reference herein to Askari Fintech Limited shall be deemed to refer to Askari Fintech Limited and/or Askari.co.mz, as applicable under the circumstances. The products offered for sale and other on-line resources accessible via Askari.co.mz, are provided to You, subject to the Terms. Unless explicitly stated otherwise, the Terms will govern Your use of any new features that augment or enhance the Website.
Your use of this website is at your sole risk. This website is provided by Askari Fintech Limited on an “as is” and “as available” basis. Unless otherwise explicitly stated, the content on this website is provided “as is”, “with all faults”, and is for commercial use only. Askari Fintech Limited disclaims all express or implied conditions, representations, and warranties of any kind, including any implied warranty or condition of merchantability, fitness for a particular purpose, or non-infringement. Askari Fintech Limited makes no representations, warranties, conditions or guaranties as to the quality, suitability, truth, accuracy or completeness of any of the content contained on Askari Fintech Limited web sites. Askari Fintech Limited may make available on Askari Fintech Limited web sites content available for downloading that has been submitted by third-party users of Askari Fintech Limited web sites. Any questions regarding the content should be directed to the providers of such content. In no event will Askari Fintech Limited or its suppliers be liable for the accuracy or completeness of the content or information from Askari Fintech Limited web sites.
Askari Fintech Limited makes no warranty or condition that: (i) the website will meet your requirements, (ii) the website will be uninterrupted, timely, secure, or error- free, (iii) the results that may be obtained from the use of the website will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the website will meet your expectations, or that (v) any errors in the website software will be corrected.
Any material downloaded or otherwise obtained through the use of the website is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material, including any damages resulting from computer viruses.
3. Intellectual Property Rights
3.2 Users may download, view and print content from this site for private and non-commercial purposes only.
3.3 All moral rights of Askari Fintech Limited and its employees/agents are reserved.
3.4 Askari Fintech Limited cannot screen or edit all the content available from the Askari.co.mz site and does not accept any liability for illegal, defamatory or obscene content. Users are encouraged to inform Askari Fintech Limited of any content that may be offensive or illegal.
3.5 All the content, trademarks and data on this web site, including but not limited to, software, databases, text, graphics, icons, hyperlinks, private information, designs and agreements, are the property of or licensed to Askari Fintech Limited and as such are protected from infringement by local and international legislation and treaties.
4. Your Conduct
You agree to use Askari.co.mz only for lawful purposes. You are prohibited from posting on or transmitting through Askari.co.mz any content that violates or infringes anyone’s intellectual property rights (including copyrights, trademarks, trade secrets, patents, publicity rights or (to the extent protectable) confidential ideas) or that is obscene, obscene as to minors, child pornography, defamatory, racist, lewd, lascivious, filthy, excessively violent, harassing, or otherwise deemed by Askari Fintech Limited to be harmful or objectionable, or that intentionally or unintentionally violates any applicable local, national or international law, or any regulations having the force of law.
5. Comments, Communications and Other Content
All comments, communications, ideas, and other content disclosed, submitted or offered to Askari Fintech Limited on or by this Website or otherwise disclosed, submitted or offered in connection with Your use of this Website (collectively, the “comments”) shall be and remain Askari Fintech Limited property. Such disclosure, submission or offer of any comments shall constitute an assignment to Askari Fintech Limited of all worldwide rights, titles and interests in all copyrights and other intellectual properties in the comments.
Thus, Askari Fintech Limited will own exclusively all such rights, titles and interests and shall not be limited in any way in its use, commercial or otherwise, of any comments. Askari Fintech Limited is and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay to user any compensation for any comments; or (3) to respond to any user comments. You agree that no comments submitted by You to the Website will violate any right of any third party, including copyright, trademark, privacy or other personal or proprietary right(s). You further agree that no comments submitted by You to the Website will be or contain libellous or otherwise unlawful, abusive or obscene material. You are and shall remain solely responsible for the content of any Comments you make.
The Website may provide, or third parties may provide, links to other Internet sites or resources. Because Askari Fintech Limited has no control over such sites and resources, you acknowledge and agree that Askari Fintech Limited is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. Askari Fintech Limited will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.
This Website may be linked to other websites that are not under the control of and are not maintained by Askari Fintech Limited. Askari Fintech Limited is not responsible for the content of those sites. Askari Fintech Limited is providing these links to You only as a convenience, and the inclusion of any link to such sites does not imply endorsement by Askari Fintech Limited of those sites.
7. Your Account
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Askari Fintech Limited does not sell products for children, but it sells them to adults, who can purchase with a credit card or other means of internet payment. If you are under 18, you may use Askari Fintech Limited only with involvement of a parent or guardian. Askari Fintech Limited and its affiliates reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in their sole discretion. Askari Fintech Limited does not store any credit card information of any kind.
You agree to indemnify and hold Askari Fintech Limited, and its subsidiaries, affiliates, officers, agents, co-branders, or other partners, and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of the use of the Website.
Askari Fintech Limited may electronically collect, store and use the following customer information:
• Name and Surname
• Email Address
• IP Address
• Non-personal Cookies
This information is used for:
• Electronic communication (only with consent)
• Statistical, non-personal browsing habits
Askari Fintech Limited will not disclose any personal information with third parties.
10. Electronic Invoices
You hereby agree to accept your tax invoices and other tax documents in electronic form, whether it be emailed or be available for download on the website.
11. Returns Policy
All Third-Party Insurance Purchases are subject to the following terms and conditions:
• Payment is due as soon as booking is made.
• All prices quoted for the Policies are including VAT.
• Cancellations or postponements received after initial date of insurance will be charged in full.
12. Local Access Restrictions
The Site and all the Content and functionality contained within it is not directed to or intended for use by any person resident or located in any country where the distribution of such Content or functionality is contrary to the laws, rules or regulations of such country. The same applies to any person resident or located in any country where such distribution is prohibited without obtaining the necessary licenses or authorisations and such licenses or authorisations have not been obtained. If any such local access restriction applies to the user, the user is not authorised to access the Site or use any of the Content on it.
Askari does not intend to provide legal or tax advice through any the Site.
Askari and its affiliates do not warrant that the Site or any other websites that may be linked to through the Site, will be uninterrupted, error free, free of viruses, defects or harmful components, compatible with the user’s computer equipment or fit for any purpose.
Any and all information contained on, or which may be transmitted through, the Site is not to be regarded as a recommendation and does not purport to give any advice whatsoever and should not be construed as such.
Askari, together with anybody related thereto, makes no representations and/or warranties, express or implied, in respect of the services provided on the Site. To the fullest extent permissible by applicable law, Askari hereby disclaims all warranties of any kind, either express or implied, including any warranties concerning the availability, accuracy, usefulness, merchantability or fitness for a particular purpose, with respect to the content, information, data, services, products provided through or in connection with the site, uninterrupted access, the site is free of viruses or the like.
13. Electronic Communications
In the event that the user subscribes to any mailing services or communicates with Askari through the Site or by way of email the user may have to provide their email address. By providing their email address the user consents to Askari retaining the user’s contact details and expressly consents to receiving communications from Askari which shall include, but not be limited to, requesting clarifications or additional comments; sending Askari publications; sending information about Askari events; asking for the user’s participation in surveys or polls; sending information about services and solutions or other marketing information of Askari.
In addition, the user agrees that all agreements, notices, disclosures and other communications sent by Askari satisfies any legal requirements, including but not limited to the requirement that such communications should be “in writing”.
Askari takes appropriate technical and organisational measures against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data. However, although Askari takes appropriate measures to protect the security of the information communicated through the site, the Internet is an open network that is not secure and there is an inherent risk that any transmission via the Internet may be intercepted, modified, misdirected, or not be delivered to the intended recipient. In addition, there is also an inherent risk that information stored on a computer connected to the Internet may be accessed without authorisation.
As such Askari cannot and does not guarantee that information displayed on the Site has not been modified by others without authorisation or that information communicated by the user to Askari will be received or that it will not be altered before or after its transmission.
Askari and its affiliates shall not responsible for security breaches occurring on the site which may result due to the lack of adequate virus protection software or spyware that the user may inadvertently have installed on his / her device.
Any person that delivers or attempts to deliver any damaging code to this Site or attempts to gain unauthorized access to any page on this website shall be prosecuted and civil damages shall be claimed in the event that Askari suffers any damage or loss.
The user agrees and warrants that his/her log-in name and password shall:
be used for personal use only; and not be disclosed to any third party.
The user hereby grants and consents to Askari taking all reasonable steps to ensure the integrity and security of the Site and back-office applications.
15. Use of Information
Askari expressly reserves the right, in its sole and absolute discretion, to remove, alter, modify, supplement and/or restrict access to the services, content, information, software, or file(s) appearing on or transmitted through this Site.
The user hereby ratifies, guarantees and agrees to be personally liable for any and all obligations entered into or assumed by others who use the information, content or services through his/her user account.
Askari and its affiliates shall not be liable, and the user hereby waives any claim, for the remission and/or refund of any payment due to the site not being operational for any period of time.
16. Updating of these terms and conditions
The user agrees to cooperate with the Indemnitees as reasonably required in the defence of any such claims. The Indemnitees reserve the right, at their own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by the user, and the user shall not in any event settle any such claim or matter without the written consent of Askari.
18. Limitations of Liability
Askari, its directors, officers, employees, agents, licensors, attorneys, independent contractors, providers, subsidiaries and affiliates assume no responsibility, and shall not be liable for, any damages or loss (especially loss of data, alteration of data, or downtime) to, or viruses that may infect the user’s computer, telecommunication equipment, software or other property caused by or arising from the user’s access to, use of, or browsing this Site or the user’s downloading of any materials, from this Site.
If the user is accessing this Site from outside the United Kingdom the user is responsible for ensuring that his/her use of the Site is in accordance with the laws of the country of his/her residence or the jurisdiction from which he/she is accessing the Site. Askari, its directors, officers, employees, agents, licensors, attorneys, independent contractors, providers, subsidiaries and affiliates disclaims and excludes all liability howsoever arising and of whatsoever nature to the user in the event that the user’s use of the Site is contrary to the laws of the country of the user’s residence or from which the user is accessing the Site.
In no event including, but not limited to, negligence, breach of contract or otherwise and regardless of whether the damage was foreseeable or not will Askari, its directors, officers, employees, agents, licensors, attorneys, independent contractors, providers, subsidiaries and affiliates be liable for any direct, indirect, special, punitive, incidental or consequential damages (including, without limitation, those resulting from lost profits, lost data or business interruption), liability or costs arising out of the use, inability to use, or the results of use of this Site, any error or inaccuracies in any information or material within or relating to the Site, any representations or statements made on the Site, any reliance upon or use of any information or material on the Site, any websites linked to this Site, or the materials, information or services contained at any or all such websites.
19. User Information
Askari and its affiliates may use any or all User Communications for any purpose whatsoever, including, without limitation, reproduction, transmission, disclosure, publication, broadcast, development, manufacturing and/or marketing in any manner whatsoever for any or all commercial or non-commercial purposes.
Askari and its affiliates shall have no obligation to use, return, review, or respond to any User Communications. Askari and its affiliates will have no liability related to the content of any such User Communications. Askari retains the right to remove any or all User Communications that includes any material it deems inappropriate or unacceptable.
20. User Submissions and inappropriate Material
The user is prohibited from posting or transmitting any unlawful, threatening, defamatory, libellous, obscene, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense or violate any law. In addition to any remedies that Askari and its affiliates may have at law, and without prejudice to same, if Askari reasonably determines that the user has violated or is likely to violate the foregoing prohibitions, Askari may take any action it reasonably deems necessary to cure or prevent the violation, including without limitation, the immediate removal from this Site of the related materials.
Askari reserves the right to deny the user access to the Site at any time, in particular if the user breaches the above provision.
21. Intellectual Property Rights
Intellectual Property Rights in and to, inter alia, the Contents contained on the Site are the sole and exclusive property of Askari or any other third party as directed by Askari. The user does not acquire, by virtue of his/her use of the Site, any rights, title or interest in any of the Intellectual Property Rights in the Content or the Site.
It is recorded that the trademarks, trade names, logos and the like used on this Site are registered or unregistered trademarks, trade names or logos of Askari, unless specifically indicated as belonging to a third party. The user acknowledges that all right, title and interest to the trademarks, trade names, logos and the like will vest in Askari and nothing contained on this Site grants or should be construed as granting, by implication, estoppel, or otherwise, any license or other right to use any trademarks, trade names, logos and the like displayed on this Site without Askari’s prior written approval.
The user is granted permission to display, copy, distribute and download the Content on the Site for personal, non-commercial use only, provided the user: (i) keeps intact all copyright and other proprietary notices; (ii) makes no modifications to the Content on the Site; (iii) does not use the Content on the Site in a manner that suggests an association with any products, services, or brands; and (iv) does not download the Content to a database that can be used to avoid future downloads from the Site. The user must not modify, copy, transmit, distribute, display, reproduce, publish, perform, license, frame, create derivative works from, transfer or use in any other way for commercial or public purposes in whole or in part any Content obtained from the Site without the prior written permission of the owner of the relevant Intellectual Property Rights (whether that be Askari or another third party).
The copyright in some Content available on the Site may belong to third parties (“Third Party Content”). It is the user’s responsibility to check copyright notices on or in respect of individual Third-Party Content.
22. Jurisdiction and Governing Laws
Askari and the user consents irrevocably to the exclusive jurisdiction of the competent courts of Mozambique in the event of any dispute.
23. General Terms