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Legal Limitations & Disclosures

Disclaimer

Last Updated: April 1, 2025

General Information Disclaimer

The information contained on the NM Risk Advisory Services website (www.nmservices.co.zw) is provided for general informational purposes only. While we endeavour to keep the information current and accurate, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

No Professional Advice

The content published on our website does not constitute professional financial, insurance, legal or other specialist advice. NM Risk Advisory Services strongly recommends that users seek appropriate professional advice relevant to their particular circumstances before making any financial or insurance decisions. The information provided on this website should not be used as a substitute for consultation with professional advisers.

Limitation of Liability

In no event shall NM Risk Advisory Services, its directors, employees, agents or affiliates be liable for any direct, indirect, incidental, special, consequential or punitive damages arising out of or in any way connected with the use of this website or with the delay or inability to use this website, or for any information, products, and services obtained through this website, or otherwise arising out of the use of this website, whether based on contract, tort, strict liability or otherwise, even if we have been advised of the possibility of such damages.

External Links Disclaimer

Our website may contain links to external websites that are not provided or maintained by or in any way affiliated with NM Risk Advisory Services. Please note that we do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Product and Service Information

All insurance products and services described on this website are subject to the terms and conditions of the applicable policy wording. The information provided about insurance products on this website is for general description purposes only. Coverage and availability may vary by individual circumstances and are subject to underwriting criteria. Full terms, conditions and exclusions are contained in the actual policy documents which will prevail over any information provided on this website.

Financial Information

Any financial information, including but not limited to premium calculations, claims statistics or market analyses provided on this website are for illustrative purposes only and should not be construed as financial advice. Past performance is not indicative of future results and NM Risk Advisory Services makes no guarantees regarding future financial performance.

Technical Disclaimer

NM Risk Advisory Services does not warrant that the website will be uninterrupted or error-free, that defects will be corrected, or that the website or the server that makes it available are free of viruses or other harmful components. While we implement reasonable security measures, we cannot guarantee the security of any information transmitted to or from our website.

Jurisdictional Considerations

The information on this website is primarily intended for residents of Zimbabwe. The laws and regulations of Zimbabwe govern the content and use of this website. We make no representation that materials on this website are appropriate or available for use in other locations. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with local laws.

Changes to Disclaimer

NM Risk Advisory Services reserves the right to modify this disclaimer at any time without prior notice. Your continued use of the website following any changes constitutes your acceptance of the new terms. We encourage users to periodically review this page for the latest information.

Contact

For any questions regarding this disclaimer or the content on our website, please contact us.