CASAVA MICROINSURANCE LIMITED, its parent, subsidiaries, successors, assignees and affiliates ( “Casava,” “we,” “our,” or “us”) provide access to and use of casava.co, a website owned and operated
by Casava, as well as any and all other websites and subdomains owned, operated or controlled by Casava, including, without limitation, any and all mobile-optimized websites and subdomains (the
“Website”) as well as Casava’s mobile applications (the “Casava App”), together with the content, software, online, and/or mobile services, the Casava insurance products, Casava WhatsApp chatbot,
renewals, and functionality offered on or through the website and Casava App and made available via phone, tablet, or other mobile devices (collectively, the “Services”).
These Terms of Use (the “Terms”) together with any and all specific terms and conditions for each of our products and services, as amended from time to time, represent an agreement between you, an
individual customer, member, visitor or user (“you”, “your” or collectively with other users, “Users”) and Casava; and govern your use and access to our Services. PLEASE READ THESE TERMS CAREFULLY
TO ENSURE THAT YOU UNDERSTAND EACH PROVISION. BY DOWNLOADING, REGISTERING, SIGNING INTO, ACCESSING, BROWSING, OR OTHERWISE USING THE SERVICES, WHETHER AS A GUEST OR REGISTERED USER, OR OTHERWISE
ACCEPTING THESE TERMS, YOU ARE SIGNIFYING THAT YOU HAVE READ AND UNDERSTAND THE TERMS, AND AGREE TO BE BOUND BY THESE TERMS, ALL GUIDELINES (AS DEFINED IN SECTION 4(B)), OUR PRIVACY POLICY AND ANY
AND ALL FUTURE MODIFICATIONS TO THESE TERMS, AS WELL AS TO THE COLLECTION AND USE OF YOUR INFORMATION AS SET OUT IN OUR PRIVACY POLICY.
Casava reserves the right in its sole discretion to edit, delete, modify or amend from time to time these Terms, any documents, information or other content appearing on the Website without specific
notice to you. We reserve the right, subject to applicable law, to deliver to you any notice of changes to existing Terms or the addition of new terms by posting an updated version of these Terms on
the Website or delivering notice thereof to you electronically. The latest Terms will be posted on the Website, and you should review these Terms prior to using our Services. You are free to decide
whether or not to accept a revised version of these Terms, but accepting these Terms, as revised, is required for you to continue accessing or using the Services. If you do not agree to these Terms
or any revised version of these Terms, your sole recourse is to terminate your access or use of the Services. Except as otherwise expressly stated by us, your access and use of the Services are
subject to and constitute your acceptance of, the version of these Terms in effect at the time of your access or use.
• CONSENT
By signing up or using our Services, you acknowledge that you have read, understood and agreed to be bound by the terms outlined in these Terms and to comply with all our applicable third-party
service provider terms of use and agreements. In addition, you agree that our third-party service providers are third-party beneficiaries of the applicable provisions of these Terms, with all rights
to enforce such provisions as if such service providers were a party to these Terms.
• PROVISION OF SERVICES
We shall provide you with our Services as stated in these Terms and Guidelines for each of our products and Services. Any date proposed by us for the provision of our Services or a product is to be
treated as an estimate only and we accept no liability for failure to meet it. You agree that your ability to use the Services and each of its features will depend on the features and functionality
of your device. Not all devices have the features and functionality that are required to use all features of the Services. We reserve all rights not granted to you in these Terms.
• DESCRIPTION OF SERVICES
Our Services include, without limitation, the capability to register and pay for insurance, renew insurance, make instant insurance claims, perform and/or complete certain functions related to
Casava products and Services. All descriptions of proposed products and Services are based on assumptions subject to change and you should not rely on the availability or functionality of products
or Services until they are actually offered through the Website. We reserve the right in our sole discretion to determine how registration and other promotions will be awarded. This determination
includes, without limitation, the scope, nature and timing of all such awards.
• ELIGIBILITY/USE OF THE SERVICES
Eligibility Requirements: In order to access and use our Services, you must:
• be at least 18 years of age (or older if you reside in a state where the majority age is older) to be able to access or use the Services or create a Casava Account (“User Account”), as the
Services are not intended for children under 18. The Services are not available to any User previously removed from the Services (or whose User Account have been terminated) by Casava. You represent
and warrant that you possess the legal right and ability to enter into these Terms and to use the Services in accordance with these Terms;
• be registered with us on our Website; and provide all information requested by us, such as your name, email address, mobile device number, online credentials for registering with Casava and
such other information as we request from time to time (collectively, “User Information”). Furthermore, you represent and warrant that all User Information you provide to us from time to time is
truthful, accurate, current and complete, and you agree not to misrepresent your identity or your User Information. You agree to promptly notify us of changes to your User Information by updating
your User account on the Website or contacting Casava customer care channels. If we approve of your registration, you will be authorized to use the Services, subject to these Terms and provided that
the Services will not be used for fraud.
• Guidelines:
When using the Services, you will be subject to any and all additional operating rules, policies or guidelines applicable to specific Services and features that may be published by us from time to
time (“Guidelines”).
• Your use of the Services: In using the Services, you agree to the following.
• To use the Services only for purposes expressly authorized by Casava in these Terms and to comply with all current versions of the Guidelines.
• To be solely responsible for your actions and the contents of your transmissions through the Services. In addition, you agree that, by your electronic transmission of information via the
Services, you are making any and all documentation required by us and applicable laws have the same force and effect as a manually signed document. You agree that parties whom you authorize to print
applications, forms, or other documents have the right to print “signature on file” on the hard copy of such materials on which such certification is required. If required by a government agency, or
at our request, you agree to provide written documentation and certification in hard copy form.
• Your right to use the Website is not transferable. Any password or right given to you to obtain information or documents is not transferable. You will restrict unauthorized users from
gaining access to the Services. If you are not a registered user, you may receive a user name and password upon completing the registration process. You are responsible for maintaining the
confidentiality of your passwords and for any and all activities authorized or performed or that occur under your passwords or User Account whether authorized or unauthorized by you. You agree to
immediately notify Casava of any unauthorized use of your User Account or any other breach of security known to you.
• To use a web browser version that we support in conjunction with the Services.
• INSURANCE QUOTES AND COVERAGES
All quotes generated by Casava Products are based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on
our Website are general descriptions of available coverages and are not a statement of contract. To obtain the coverage, you must submit an application to Casava whether on the website, Casava App
or any other means as Casava may prescribe from time to time. All applications are subject to underwriting approval. Coverages and availability may vary by your location, and additional minimum
coverage limits may be available in your location.
• PAYMENTS
You represent and warrant that if you are purchasing any of the Services from us that (i) any credit information you supply is true and complete, (ii) charges incurred by you will be honoured by
your debit or credit card company, (iii) you will pay the charges incurred by you at the posted prices, including any applicable taxes, and (iv) you consent to be automatically debited, should you
choose our auto-renewal option.
• PRIVACY POLICY
Casava respects and is committed to protecting your privacy. You understand that by signing up for our Services and ticking the box designated for consent, you consent to and authorize the
collection, use, storage and disclosure of your user information as set out in our Privacy Policy. Casava shall process all personal data obtained through the Website in accordance with our Privacy
Policy.
• DUE DILIGENCE AND AUDIT RIGHTS
Casava operates an anti-money laundering compliance program and reserves the right to perform due diligence checks on all users of our Services. You agree to provide to us all such information,
documentation and access which we may require in order to verify your adherence to, and performance of, your obligations under these Terms or to comply with a valid court order or as otherwise
required by any applicable law or regulation.
• CASAVA’S PROPRIETARY RIGHTS TO CONTENT
You acknowledge and agree that content, including, without limitation, text, software, music, sound, photographs, video, graphics, images, logos, button icons, editorial content, notices, design,
compilation, magnetic translation, digital conversion, software (including, without limitation, HTML-based computer programs), other materials and other information presented to you through the
Services or other matters related to the Services (collectively “Content”), are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual
property) rights. You are only permitted to use this Content as expressly authorized by Casava or the Services. You do not acquire ownership rights to any Content viewed through the Website or any
express or implied licence grant to our intellectual property or the intellectual property of our licensors. The use of Content other than as expressly permitted by these Terms is strictly
prohibited. The posting of information or materials on the Website does not constitute a waiver of any right in such information and materials.
• USER CONTENT
The Services may permit you to submit content, send emails and other communications, and provide other information for publication or distribution to third parties (collectively, "User Content").
Any User Content must not be illegal, threatening, obscene, racist, defamatory, libellous, pornographic, infringing of intellectual property rights, promoting of illegal activity or harm to groups
and/or individuals, invasive of privacy, purposely false or otherwise injurious to third parties, or objectionable and must not consist of or contain software, computer viruses, commercial
solicitation, political campaigning, chain letters, mass mailings, or any form of "spam. Where you submit User Content, and unless we indicate otherwise, you grant us a nonexclusive, perpetual,
royalty-free, irrevocable, and fully sublicensable (through multiple tiers) right to use, modify, reproduce, adapt, translate, publish, create derivative works from, distribute, display, and
otherwise exploit such User Content throughout the world in any media. We take no responsibility and assume no liability for any User Content submitted by you or any other user or third party. You
acknowledge that your disclosure is gratuitous, unsolicited and without restriction; and will not place Casava under any fiduciary or other obligation. You further acknowledge that, by acceptance of
your submission, Casava does not waive any rights to use similar or related ideas previously known to Casava, or developed by its officers, employees, agents or contractors, or obtained from sources
other than you.
• USER RESTRICTION
The viewing, printing or downloading of any content, graphic, form or document from the Website grants you only a limited, nonexclusive right to use solely by you for your own personal use and not
for republication, distribution, assignment, sublicense, sale, preparation of derivative works, the benefit of any third party or other use. No part of any content, form or document may be
reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal use (but not for resale or redistribution). You hereby agree not
to engage in: (a) copying, modifying, distributing, or disclosing any part of the Services in any medium, including, without limitation, by any automated or non-automated “scraping” or creating any
derivative product; (b) renting, leasing, loaning, reselling, sublicensing, distributing or otherwise transferring the Services or any part of the Services to any third party; providing time sharing
or similar Services for any third party; or using or exploiting the Services or any part of the Services for any public or commercial solicitation purposes (including but not limited to market
research, the provision of pricing estimates or shadow shopping) or otherwise (either directly or indirectly) for profit or gain other than your own internal personal or business use; (c) using any
automated system, including, without limitation, “robots,” “spiders,” “offline readers,” “scrapers”, etc., to access the Services in a manner that sends more request messages to Casava’s servers
than a human can reasonably produce in the same period of time by using a conventional on-line web browser or to monitor or copy the Services; (d) transmitting spam, chain letters, or other
unsolicited email; (e) attempting to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Services; (f) taking any action that
imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure; (g) uploading invalid data, viruses, malware, worms, or other software agents
through the Services; (h) collecting or harvesting any User Information, including, without limitation, account names from the Services; (i) impersonating another person or entity or otherwise
falsely stating or misrepresenting your identity or affiliation with a person or entity, conducting fraud, hiding or attempting to hide your identity; (j) interfering with the proper working of the
Services; (k) accessing any content on the Services through any technology or means other than those provided or authorized by the Services; (l) disassembling, decompiling or reverse engineering the
Services or any part of the Services or otherwise seek to obtain the source code of the Services, except to the extent that such restriction is expressly prohibited by Law; (m) removing,
circumventing, disabling, damaging, bypassing or otherwise interfering with the measures we may use to prevent or restrict access to the Services, including, without limitation, features that
prevent or restrict use or copying of any content accessible through the Services or enforce limitations on use of the Services, or the content therein; (n) deleting the copyright and other
proprietary rights notices on the Services; (o) using the Services in any way that are illegal, harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene or otherwise objectionable
as we may determine in our sole discretion; (p) jeopardizing the security of your User Account or any other users’ Account (such as allowing someone else to use your username and password to access
the Services); (q) attempting, in any manner, to obtain the username, password, account, or other security information from any other user of the Services; (r) violating the security of any computer
network or crack any passwords or security encryption codes; or (s) running Mail list, Listserv, any form of auto-responder or "spam," or any processes that run or are activated while you are not
logged in to access the Services. You agree to indemnify and defend Casava, its subsidiaries, officers, directors, employees, agents, successors, against all losses, actions, liabilities or damages
or any loss of funds, fines, interest, awards, demands, judgements, fines, penalties, costs or expenses of whatever kind, including reasonable attorney’s fees, arising from the use of your Content.
nts or contractors, or obtained from sources other than you.
• INDEMNIFICATION
You agree to indemnify, hold harmless and reimburse Casava, its affiliates, its agents, licensors, suppliers, contractors and third-party service providers, and their respective employees, members,
officers and directors, (Collectively “Indemnified Parties”) from and against any and all claims, losses, suits, damages (actual and consequential), obligations, penalties, any losses arising out of
the loss or theft of your User Information or your mobile device or from unauthorized or fraudulent transactions associated with your User Account, fines, liabilities, settlements, costs or debt,
and expenses (including, without limitation, court costs and reasonable attorneys’ fees) (“Losses”) arising from or in any way related to any third-party claims relating to your use of the Services,
violation of these Terms, applicable law or any third-party rights, or your fraud or willful misconduct. This defense and indemnification obligation will survive any termination of these Terms and
your use of the Services.
• SECURITY
We care about the integrity and security of your User Information. We have implemented commercially reasonable technical and organizational measures designed to secure your User Information from
accidental loss and from unauthorized access, use, alteration or disclosure. However, you acknowledge and agree that despite our reasonable security measures, we cannot guarantee that electronic
communications over the Internet will be 100% secure and that unauthorized third parties will never be able to defeat those measures or use your User Information for improper purposes. You also
acknowledge that you are under no obligation to use the Services, and that you provide any personal or sensitive information in order to use the Services at your own risk.
• LINK TO THIRD-PARTY WEBSITES
The Services may contain links to or connections which will transfer you to the websites of third parties, advertisers, special offers or other events or activities (collectively “Merchants”) that
are not owned, controlled or operated by us or our third-party service providers. Casava does not warrant, endorse, guarantee, or assume responsibility for any product or services advertised or
offered by these Merchants through the Services or any hyperlinked website or services, and we will not be a party to or in any way monitor any transaction between you and these Merchants. You
acknowledge that your dealings with these Merchants is solely at your own risk and all rules, policies (including privacy policies) and operating procedures of these Merchants will apply to you
while on such sites. You agree that Casava shall not be responsible for any loss or damage of any sort relating to your dealings with such Merchants. Furthermore, while Casava strives to keep these
links as current and accurate as possible, we cannot guarantee, and therefore we expressly do not warrant, that they point to the intended third-party website.
• DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
You expressly understand and agree that the use of the Services and any materials or information provided by us or made available to you through the Services, is at your sole risk. The Services,
including, but not limited to any third-party-provided information, software or services (“third-party services” or “third party”) made available through the services are, to the maximum extent
permitted by applicable law, provided on an “as is,” and “as available” basis without any warranty of any kind. We and our third party expressly disclaim any and all warranties, conditions, and
representations of any kind, as to the Services and all information, products, and other content included in or accessible from the Services, whether express, implied, statutory, or otherwise
including, but not limited to any implied warranties of merchantability, fitness for a particular purpose and non-infringement. Without limiting the foregoing, we and our third-party service
providers make no warranty that: (a) the services will be uninterrupted, timely, available at a particular time or location, secure, or error free; (b) the results that may be obtained from the use
of the Services will be accurate or reliable; (c) the quality of any products, services, information or other material purchased or obtained by you through the Services will meet your expectations;
(d) any error in the Services will be corrected immediately; (e) the Services (or any information or software contained therein) is free of viruses, worms, trojan horses, harmful components, or
other code that manifest contaminating or destructive properties; (f) any content downloaded or otherwise obtained through the use of the Services is downloaded at your own risk and you will be
solely responsible for any damage to your computer system or mobile device or loss of data or content that results from such download or your use of the Services; (g) oral or written information or
advice obtained by you from us or our third-party service providers through or from the Services will create any warranty, representation or guarantee not expressly stated in these terms; and (h) we
do not provide legal advice nor enter into any attorney-client relationship. You expressly understand and agree that, in no event shall Casava be liable for any direct, indirect, punitive,
incidental, special, consequential, exemplary or actual damages, including, without limitation, damages for loss of profits, loss of business, litigation, settlement costs, goodwill, use, data or
other intangible losses, arising from or relating to the services; the use of, or inability to use the Services; or hacking, tampering or other unauthorized access or use of the services or your
account or the information contained therein. To the maximum extent permitted by applicable law, Casava assumes no liability or responsibility for any (a) errors, mistakes, or inaccuracies of
content; (b) personal injury or property damage, of any nature whatsoever, resulting from your access to or use of the services; (c) any unauthorized access to or use of our secure servers or any
and all user information stored therein; (d) any interruption or cessation of transmission to or from the services; (e) any bugs, viruses, trojan horses, or the like that may be transmitted to or
through the services by any third party; or (f) any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or
otherwise made available through the Services. The limitation or exclusion of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other
basis, even if Casava has been advised of the possibility of such damages. You agree that in any event and without limiting the generality of this section to the extent permitted by applicable law,
the maximum collective liability of casava, if any, for all losses or damages shall not exceed the greater of N20,000 or the aggregate of the amount (if any) paid by you in the 3 months immediately
preceding the bringing of a claim against us or our affiliates. Notwithstanding the foregoing, some jurisdictions do not allow the limitation or exclusion of liability for incidental or
consequential damages so some of the above limitations may not apply to you. the foregoing provisions shall however apply, to the fullest extent permitted by law in the applicable jurisdiction.
• INFORMATION ABOUT US
The Website contains information about us. While this information was believed to be accurate as of the date prepared, we disclaim any duty or obligation to update this information. Information
about companies other than ours contained on the Website, should not be relied upon as being provided or endorsed by us.
• BREACHES
If you breach these Terms or if we reasonably suspect that you have breached these Terms in any way, we may: (a) temporarily suspend your access to our Services; (b) permanently prohibit you from
accessing our Services; (c) block computers using your IP address from accessing our Services; (d) contact any or all of your internet service providers and request that they block your access to
our Services; (e) suspend or delete your account on our Website; and/or (f) commence legal action against you, whether for breach of contract or otherwise. Where we suspend, prohibit or block your
access to our Services or a part of our Services, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a
different account).
• TERMINATION
You agree that to the extent permitted by applicable law, we may, in our sole discretion and without liability to you, terminate (or suspend access to) your use of the Services, Content, or your
User Account for any reason, including, but not limited to, your breach of these Terms. You may terminate your use of our Services at any time upon notice to Casava and in accordance with the
Guidelines for each of our insurance products.
• NOTICES
All notices to Casava or you as the case may be, shall be in writing and shall be made either via email or conventional mail. In addition, Casava may post notices or links to notices through its
Services to inform you of changes to the Terms, the Services, or other matters of importance.
• GENERAL
• Governing Law.
These Terms are made under and will be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without giving effect to any principles that provide for the
application of the law of another jurisdiction.
• No Waiver.
The failure of Casava to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
• Severability:
If any provisions of the Terms are found by a court of competent jurisdiction to be invalid, the invalidity of such provision shall not affect the legality, enforceability or validity of the
remaining provisions which shall remain in full force and effect.
• International Visitors.
The Services are controlled and operated from our facilities in Nigeria. Casava makes no representations that the Services are appropriate or available for use in other locations. You may not
use the Services if you are a resident of a country embargoed by Nigeria, or are a foreign person or entity blocked or denied by the Nigerian government. Unless otherwise explicitly stated, all
materials found on the Services are solely directed to individuals, companies, or other entities located in Nigeria. By using the Services, you are consenting to have your personal data transferred
to and processed in Nigeria. Users who access or use the Services from jurisdictions outside of Nigeria do so of their own volition and are entirely responsible for compliance with all applicable
Laws.
• Assignment.
Casava expressly reserves the right to assign, delegate and transfer these Terms and its rights and obligations under these Terms in part or as a whole and including without limitation, to a
subsidiary, affiliate, successor or any third-party whatsoever without your consent. You shall not transfer, assign or delegate these Terms, or your rights, obligations and User Account in any
manner whatsoever under these Terms, to any person or entity without our prior written approval.
• Entire Agreement.
These Terms together with our Privacy Policy, Guidelines and any other legal notices published by us, shall constitute the entire agreement between us and you with respect to the Website, the
content, products or Services provided by us or through the Website. You hereby acknowledge and agree that you are not an employee, agent, partner or joint venture of Casava, and
• Additional Terms:
In conjunction with your access or use of the Services, you may be subject to additional terms, rules, policies, and conditions that are posted on the Website, including, but not limited to,
terms and conditions for our referral or rewards programs (the “Additional Terms”), which are hereby incorporated by reference into these Terms. In the event of a conflict between any Additional
Terms and these Terms, these Terms shall prevail.
• CONTACT DETAILS
You may contact us via our email address hello@casava.co
