These Terms and Conditions govern your access to and use of NM Risk Advisory Services’ digital platforms, including our website (www.nmservices.co.zw), mobile applications, and any associated services. By accessing or using our services, you agree to be bound by these terms. If you do not agree with any part of these terms, you must immediately discontinue use of our services.
Definitions
In these Terms and Conditions, the following definitions apply:
“Services” refers to all insurance broking, risk advisory and financial services provided by NM Risk Advisory Services. “User” means any individual or entity accessing or using our services. “We”, “us” and “our” refer to NM Risk Advisory Services.
Eligibility and Registration
Our services are available only to individuals aged 18 years or older and to legally constituted business entities that have the capacity to enter into binding contracts under Zimbabwean law. Certain services may require you to create an account, for which you must provide accurate and complete registration information. You are responsible for maintaining the confidentiality of your account credentials.
Acceptable Use
You agree to use our services only for lawful purposes and in accordance with these Terms and Conditions. Prohibited activities include but are not limited to: unauthorised access to our systems, distribution of malicious software, infringement of intellectual property rights, and any activity that could damage, disable or impair our services. You must not misrepresent your identity or provide false information when using our services.
Intellectual Property Rights
All content, trademarks, service marks, logos and other intellectual property displayed on our platforms are the property of NM Risk Advisory Services or our licensors. You are granted a limited, non-exclusive, non-transferable licence to access and use our services for personal, non-commercial purposes. Any unauthorised use, reproduction or distribution of our content is strictly prohibited.
User Content
Where our services allow you to submit content, you retain ownership of such content but grant us a worldwide, royalty-free licence to use, reproduce and display this content in connection with our services. You warrant that any content you submit does not violate any third-party rights or applicable laws.
Service Availability and Modifications
We strive to maintain continuous service availability but do not guarantee uninterrupted or error-free operation. We reserve the right to modify, suspend or discontinue any aspect of our services at any time without notice. We may impose limits on certain features or restrict access to parts or all of our services without liability.
Third-Party Links and Services
Our platforms may contain links to third-party websites or services. These links are provided for convenience only and do not imply endorsement. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services. Your interactions with third parties are solely between you and the third party.
Disclaimer of Warranties
Our services are provided “as is” and “as available” without warranties of any kind, either express or implied. We disclaim all warranties including but not limited to implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that our services will meet your requirements, be uninterrupted, secure or error-free.
Limitation of Liability
To the maximum extent permitted by law, NM Risk Advisory Services shall not be liable for any indirect, incidental, special, consequential or punitive damages arising from or related to your use of our services. This includes but is not limited to damages for lost profits, data or other intangible losses, even if we have been advised of the possibility of such damages.
Indemnification
You agree to indemnify, defend and hold harmless NM Risk Advisory Services and its officers, directors, employees and agents from any claims, liabilities, damages, losses and expenses arising from your violation of these Terms and Conditions or your use of our services.
Termination
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms and Conditions. Upon termination, your right to use our services will cease immediately.
Governing Law and Dispute Resolution
These Terms and Conditions shall be governed by and construed in accordance with the laws of Zimbabwe. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Zimbabwe. We encourage users to first contact us directly to seek resolution of any disputes before resorting to formal legal proceedings.
Amendments
We reserve the right to modify or replace these Terms and Conditions at any time at our sole discretion. The most current version will always be posted on our website. Your continued use of our services after any such changes constitutes acceptance of the new Terms and Conditions.
General Provisions
If any provision of these Terms and Conditions is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision will not be considered a waiver of those rights. These Terms and Conditions constitute the entire agreement between you and NM Risk Advisory Services regarding our services.
Contact
If you have any questions or concerns about these Terms and Conditions, please contact us.
By using our Services, you agree to abide by these Terms and Conditions, as well as our Privacy Policy, which is incorporated herein by reference.