1. Legal Disclaimer

The information and services contained and accessed on this website are provided by the National Insurance Board (hereinafter referred to as ‘The Board’.) All information and services are subject to the terms and conditions which govern their use. The Board reserves the right to change at any time the information, material and content provided on the website at any time without notice by updating and posting. The information provided is not intended to replace or serve as a substitute for any legal, advisory or other professional advice. You should consult with your own professional advisors in their respective professional areas to obtain specific advice.

2. Disclaimer of Warranties

The Board does not guarantee this website will be uninterrupted, without delay, error-free, omission-free, or free of viruses. The information on this website is provided “As Is” and “As Available” with no express or implied warranties, representations or endorsements whatsoever with respect to the website or the information contained herein, including without limitation, warranties as to operation, usefulness, completeness, accuracy, timeliness, reliability and fitness for a particular purpose. Further, the Board is not responsible for any loss, property damage or bodily injury, whether caused by access to or use of this website or will it be responsible to you or any third party for any damages arising in any way out of the installation or use of the website including liability associated with any computer viruses which may infect your computer system.

3. Limitation of Liability

The Board shall in no event be liable for any direct, indirect, incidental, consequential, or exemplary damages. This shall include, but not be limited to damages for loss of profits, business interruption, business reputation or goodwill, loss of programs or information or other intangible loss arising out of the use of or the inability to use the service, or information, or any permanent or temporary cessation of such service or access to information, or the deletion or corruption of any content or information, or the failure to store any content or information. The above limitation shall apply whether or not The Board has been advised of or should have been aware of the possibility of such damages.

4. External Content

The Board’s website may include hyperlinks to third- party content, advertising or websites and is not responsible for and does not endorse any advertising, products or resource available from such resources or websites. The following web link activities are explicitly prohibited by the Board:

1. Framing, inline links or metatags
2. Hyperlinks or any form of link that disguises a URL and bypasses the Board’s homepage.
3. Links that involve the unauthorized use of the Board’s logo.

5. Proprietary Rights

The Board’s website may contain proprietary and confidential information including trademarks, service marks and patents protected by intellectual property laws and international intellectual property treaties. The

Board authorizes you to view and make a single copy of portions of its content for offline, personal, non-commercial use. The contents thereof may not be sold, reproduced, or distributed without the Board’s written permission. Any third-party trademarks, service marks and logos are the property of their respective owners. Any further rights not specifically granted herein are reserved.

6. Jurisdiction

The Board’s website is administered from its Head Office in Nassau, Bahamas and will be governed by and construed in accordance with the laws of The Commonwealth of The Bahamas and shall be subject to the courts of the said Commonwealth.