General

These terms and conditions govern your use of this site (www.nagico.com) and by accessing this website you agree to be bound by them. If you do not wish to be bound by these Terms of Use, please discontinue using and accessing this site immediately.  All NAGICO products and services are also subject to separate terms and conditions which govern their use. We reserve the right to change these terms and conditions at any time without notice by updating this posting, and your continued access to or use of this site will constitute your acceptance of any such changes.

We may in our sole discretion terminate your access to or use of this site for any reason, including without limitation where we believe that you have not acted in accordance with the terms and conditions of this site. You may not use this website to engage in conduct which is defamatory, insulting or threatening or that infringes on a third party’s intellectual property or other proprietary rights.

The entire content of this site is subject to copyright with all rights reserved and the information held is for your personal use only. You may not download (all or in part), modify, republish, post or transmit anything you obtain from this website unless you first obtain our consent.  However, you may print out part or all of the site for your own personal use.

Information on the website

Nothing on this site should be construed as a solicitation or offer, or recommendation, to provide any products and/or services or to engage in any other transaction.  All products and materials provided by NAGICO on this site do not guarantee that the said materials will remain available or that you automatically will qualify for the products NAGICO offers.

Although we have taken all reasonable care to ensure that the information provided on this site is accurate, we give no warranties of any kind, express or implied, with regard to the accuracy, timeliness or completeness of any such information.  Due to possible linguistic differences, advertising statements in English may not necessarily reflect the content of the policy written in Dutch, French and Papiamentu. In the event of a dispute concerning policy terms, the policy written in English will apply.

Opinions and any other contents at the site are provided by us for personal use and informational purposes only and are subject to change without notice.  Further, nothing contained on the site constitutes investment, legal, tax or other advice and is not to be relied on in making any decision(s). You should obtain relevant and specific professional advice before making any decision(s).

Claims

It is possible to notify us of an insurance claim on this site. Your submission however does not assign NAGICO to cover this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification by the NAGICO claims department. NAGICO reserves the right to request additional information prior to reaching a decision on the claim. A claim representative will be communicating with you regarding your claim.

All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please contact your NAGICO representative.

Privacy

All personal information obtained by NAGICO through this website will remain private and will not be used for any other purpose than indicated on this site.

E-mail correspondence

The e-mail addresses provided on this site are part of a private e-mail system intended only for purposes authorized by NAGICO.  You are not authorized to send numerous unsolicited commercial e-mail messages to any e-mail addresses at @nagico.com. NAGICO reserves the right to take such action as may be necessary to prevent misuse of its e-mail system by unauthorized parties.

Jurisdiction

These terms and conditions shall be governed by and construed in accordance with the laws of St. Maarten.  You hereby agree that the Court of First Instances of St. Maarten shall have exclusive jurisdiction over any matters or disputes arising out of this site and these terms and conditions.

Severability

If any provision in these terms and conditions shall be or become wholly or partially invalid, illegal or unenforceable such provision shall be enforced to the extent it is legal and valid and the validity, legality and enforceability of the remaining provisions shall in no way be affected or impaired thereby.

Limitation of Liability

No rights can be derived from the texts published on this website. NAGICO will not accept liability for errors or incorrect information provided on this website.

NAGICO will furthermore not accept liability for any incidental damages arising out of or in connection with this site or the use of this site or a linked site whether such damages are caused by failure, interruptions or defect of the website or otherwise. In any event, our liability for all losses, damages, injuries and claims of any kind, will not be greater than the amount you have paid to access our website.

Disclaimer

ALL PRODUCT, SERVICES AND CONTENT ON THIS WEBSITE IS PROVIDED “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTY THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIAL WILL CONFORM TO SPECIFICATIONS, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM INFRINGEMENT AND ANY WARRANTY THAT THE DOCUMENTATION WILL CONFORM TO THE SOFTWARE, OR ANY WARRANTY THAT THE SOFTWARE WILL BE ERROR FREE.

IN NO EVENT SHALL NAGICO BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES, ARISING OUT OF, RESULTING FROM, OR IN ANY WAY CONNECTED WITH THIS SOFTWARE, WHETHER OR NOT BASED UPON WARRANTY, CONTRACT, TORT, OR OTHERWISE, WHETHER OR NOT INJURY WAS SUSTAINED BY PERSONS OR PROPERTY OR OTHERWISE AND WHETHER OR NOT LOSS WAS SUSTAINED FROM, OR AROSE OUT OF THE RESULTS OF, OR USE OF, THE SOFTWARE OR SERVICES PROVIDED BY NAGICO, YOU AGREE TO WAIVE ANY AND ALL CLAIMS AGAINST NAGICO AND ITS EMPLOYEES, FOR ANY INCIDENTAL OR CONSEQUENTIAL, SPECIAL OR INDIRECT DAMAGES ARISING.