Customer Agreement

    Limitation Of Liability

    The company, its subsidiaries, affiliates, licensors, service providers, content providers, employees, agents, officers, and directors will not be liable for any actual, direct, indirect, incidental, consequential, special, exemplary, punitive or other damages, including loss of revenue or income, loss of principal, pain and suffering, emotional distress, or similar damages that result from the use of, or the inability to use, the content on this site, even if the company or a representative authorized by the company has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event will the collective liability of the company and their subsidiaries, affiliates, licensors, service providers, content providers, employees, agents, officers, and directors to any party (regardless of the form of action, whether in contract, tort, or otherwise) exceed the lesser of $50 or the amount you have paid for the applicable content or service out of which liability arose.


    You will indemnify and hold The Company, its parents, subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (the "Indemnified Parties") harmless from any breach of these Terms and Conditions of Use by you, including any use of Content other than as expressly authorized in these Terms and Conditions of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify the Indemnified Parties against any and all resulting losses, damages, judgments, awards, costs, expenses, and attorneys' fees in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of or related to your use of the Content accessed from this Site.

    Information you provide

    You may not post, send, submit, publish, or transmit on, through, by or in connection with this Site any material that:

    • You do not have the right to post, including proprietary material of any third party;
    • Advocates illegal activity or discusses an intent to commit an illegal act;
    • Does not pertain directly to this Site;
    • Threatens or abuses others, libels, defames, invades privacy, stalks, is racist, abusive, harassing, threatening, offensive, vulgar, obscene, pornographic or indecent;
    • Seeks to exploit or harm children by exposing them to inappropriate content, asking for personally identifiable details, or otherwise;
    • Infringes any intellectual property or other right of any entity or person, including violating anyone's copyrights or trademarks or their rights of publicity;
    • Violates any law or may be considered to violate any law;
    • Impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content;
    • Advertises any commercial endeavor (e.g. offering for sale products or services) or otherwise engages in any commercial activity (e.g. conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized on this Site;
    • Solicits funds, advertisers, or sponsors;
    • Includes programs which contain viruses, worms, and/or Trojan Horses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications;
    • Disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise acts in a way which affects the ability of other people to engage in real time activities via this Site;
    • Amounts to a "ponzi" or similar scheme;
    • Disobeys any policy or regulations established from time to time regarding use of this Site or any networks connected to this Site; or
    • Contains hyperlinks to other sites that contain content that falls within the descriptions set forth above.

    Product Fees

    Product fees and other charges are being provided for general information purposes only and are subject to change. To obtain a more detailed and accurate strategy for your personal situation, we recommend you consult your prospectus or consult with a CGI Private Limited qualified financial professional.

    Calculator Data

    If this Site contains an online calculator, the online calculator may contain data regarding retirement investing. Such information is provided for educational purposes only and does not constitute an endorsement or recommendation of any security or investment program or service or the suitability thereof for you. The Company does not offer legal or tax advice, and the information provided in the online calculators should not be used in lieu thereof. Please consult your tax or financial advisor for guidance regarding your particular situation.

    We are not providing investment advice, soliciting offers or selling

    The information contained on this Site does not constitute investment advice, and is not an offer to sell or a solicitation to buy any security or any insurance product. All insurance and/or securities transactions require signed agreements between The Company and its customers, and the terms of those agreements are binding on the parties. No other representation, whether made in person, online, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements except that your use of this Site constitutes your agreement to the additional Terms and Conditions of Use applicable to such use. By using this Site, you accept at your own risk that the Internet and online communications medium may not perform as intended. No security or other product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance, or other laws of such jurisdiction. In addition, any prospectus information available on this Site is posted for informational purposes only and is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.

    This Site is controlled by us from our offices in Zimbabwe. Except as specifically stated, we make no representation that Content in this Site is appropriate or available for use in other jurisdictions. Access to this Site's Content from jurisdictions where such access is illegal is prohibited. If you choose to access this Site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this Site in violation of Zimbabwean laws and regulations. The Company and its parents, affiliates and subsidiaries are not authorized to do business in every jurisdiction. By downloading any Content, you are agreeing that you are not in a country where such export is prohibited and that you are not a person or entity to which such export is prohibited. You are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any Content. Information published on this Site may contain references or cross-references to products, programs or services that are not available in your country. The products referred to on this Site may be offered and sold only to persons in Zimbabwe. Consult your CGI Private Limited qualified financial professional for information regarding the products, programs and services which may be available to you.

    You should not rely on the stock price information on this web site

    We do not generate the information regarding stock prices for this Site. We believe that the information on this Site is accurate, but we cannot guarantee or warrant the accuracy, completeness, or timeliness of the information. You should not rely on the stock price information for investment purposes. We are not liable for any loss or damages, whether direct, indirect, incidental, special, consequential, or exemplary, that may arise from reliance on the stock price information on this Site.

    No representation as to suitability

    The Company makes no representation as to the financial or other suitability of any product described on this Site for any user. In order to evaluate whether a particular product is suitable for your financial needs, you should contact a CGI Private Limited qualified financial professional. The posting of any prospectus or any other information on this Site should not be interpreted as a recommendation or opinion that you should make any purchase or sale or participate in any transaction.

    Violations of rules and regulations

    The Company reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions of Use, including the right to block access from a particular Internet address to this Site.

    Personal Information

    Depending on your level of access to this Site, you may receive or obtain access to Personal Information as defined below. Your access and use of such information is governed by state and federal law and limited to specific business activities for which you are authorized. Should you access Personal Information intentionally or unintentionally of others for who you are not authorized, you will immediately notify us and you will not copy, download, store or transmit such information to any third party.


    Access Codes (User names and passwords) used for this Site are for individual use only. You will be responsible for the security of your Access Codes. The Company will be entitled to monitor your Access Codes and, at its discretion, require you to change it. If you use Access Codes that The Company considers insecure, The Company will be entitled to require the password to be changed and/or terminate your account.

    You are prohibited from using any services or facilities provided in connection with this Site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, The Company reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents and to federal or state law enforcement officials. The Company reserves the right to investigate suspected violations of these Terms and Conditions of Use.

    You agree that The Company shall not be responsible for damages or losses resulting from any breach of security caused by your failure to maintain the confidentiality of your Access Codes. If you permit access to your Access Codes by third parties, then you agree to defend, indemnify and hold The Company harmless from and against any liability, losses, damages, or costs and expenses (including attorneys' fees) arising out of, related to or resulting from, such access and related use of this Site. The Company reserves the right to block access to this Site for any reason. You also agree to immediately notify The Company if you:

    • Become aware of any loss or theft of your Access Codes, or
    • Become aware of any unauthorized use of your Access Codes.
    Finally you acknowledge and agree that you will not: (i) collect or store personal data about other users of this Site, or (ii) upload, Email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs that might interrupt, limit, or interfere with the functionality of any computer software, hardware, database or file, or communications equipment that is owned, leased, or used by The Company.

    For your protection, The Company may require the use of encryption technologies for certain types of communications conducted through this Site. This Site has adopted industry standard security measures to protect the loss, misuse, and alteration of the information under our control. While we provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception, or error. While there is no such thing as "perfect security" on the Internet, we will take reasonable steps to insure the safety of your personal information. There is always the possibility of unknowingly acquiring computer viruses on the Internet and thus we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. The Company is not responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to this Site. You, and not The Company assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.

    The Company reserves the right to fully cooperate with any law enforcement authorities, regulatory authorities, or court order requesting or directing them to disclose the identity of anyone posting any Email messages, or publishing or otherwise making available any materials that are believed to violate these Terms and Conditions of Use. BY ACCEPTING THESE TERMS YOU WAIVE AND HOLD HARMLESS THE COMPANY FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY THE COMPANY DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER THE COMPANY OR LAW ENFORCEMENT AUTHORITIES.


    The Company recognizes that Email can be the preferred mode of communication for some of its customers. Either at the time of a policy purchase, during your registration on this Site or your election to participate in electronic document delivery or to transact business electronically with The Company, you provided your Email address to The Company. The Company may use, and you hereby permit The Company to use, this Email address for the following:

    • Service notifications related to your account(s) or policy(ies);
    • Regularly scheduled Email newsletters;
    • Products or services you have purchased;
    • Optional Email communications which you have signed up for (e.g., newsletters on a selected topic);
    • Occasional updates about products and services as well as marketing offers.
    Also, once you have requested information from The Company via Email, The Company may communicate with you via Email regarding your request to provide additional information related to your initial information request. However, The Company will never ask you to send personal information such as account numbers by non-secure Email. The Company may require certain Email communications to be conducted through secure or encrypted Email. If The Company sends you an advertisement via Email, it will include instructions on how to opt-out of receiving such Email advertisements in the future. If you elect to opt-out of receiving Email advertisements, The Company will continue to send you non-advertisement Email's as stated above. It is your responsibility to maintain accurate records with The Company and to update your Email address if it changes.

    Additionally, certain portions of this Site may offer you the ability to Email a message to The Company even if you have not elected to participate in electronic document delivery or to transact business electronically with The Company. Email functionality, if any, is provided to you to facilitate communications between you and The Company. You agree, however, that you will not use Email to request, authorize, or affect the purchase or sale of any securities or other product or service, to change your address or other account information, to change your User Codes, to send fund transfer instructions, or for any other financial transactions that require formal authorization in accordance with applicable law or The Company's policies and procedures. Any such requests, orders, or instructions that you send to The Company by Email will not be accepted or processed by The Company. The Company shall have no liability for any loss or damage that arises from unaccepted Email requests, orders, or instructions. Moreover, The Company shall have no liability for any loss or damage that result from interception and/or unauthorized use by third parties of any information you send by Email.

    Electronic Transactions

    In the event this Site permits you to view, change information and make investment or sub-account exchanges on your account and receive other information or services related to an investment, contract or policy purchased through The Company through electronic transmission via a compatible personal computer and a secure web browser, access to such services requires an electronic identification that consists of a user name, password, or other security measures that we may require. By obtaining Access Codes, you agree that the use of this electronic identification is the legal equivalent to your written signed instructions to The Company and that your identity as an authorized user of our on-line services is determined solely by your Access Codes. You acknowledge that you are responsible for the safekeeping of your Access Codes and The Company is unable, and under no obligation, to confirm the identity or authority of any user of our on-line services.


    This Site does not intend to market any products or services to children under eighteen (18) years of age. The Company does not knowingly gather or solicit data from children under eighteen (18) years of age through this Site for marketing purposes. By using this Site you represent that you are not under eighteen (18) years of age.

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