TERMS OF USE

Welcome to lafiami.com website (the "platform") operated by Lafiami Limited. lafiami.com provides its services to you subject to the following conditions. Before you may use the platform, you must read and accept all of the terms and conditions in, and linked to, this Terms of Use and the linked to the Privacy Policy.

This Term of Use (ToU) is effective upon acceptance. Use of any functionality of the platform constitutes acceptance of this ToU. If this ToU conflicts with any other documents, the ToU will control for the purposes of usage of the platform. If you do not agree to be bound by this ToU and the Privacy Policy, you may not use the Site in any way. Be sure to return to this page periodically to review the most current version of the ToU. We reserve the right, at any time, at our sole discretion, to change or otherwise modify the TOU without prior notice, and your continued access or use of this Site signifies your acceptance of the updated or modified TOU.

Description of Services

In the platform, lafiami.com provides users with access to options and information primarily about Healthcare access and Insurance products and services including but not restricted to Healthcare Insurance, Life Insurance products and related services (including but not limited to renewals) (the "Service"). You are responsible for obtaining access to the platform, and that access may involve third-party fees (such as insurance fees [premium]).

By making use of this platform, and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the service(s) that you have selected. You hereby agree that lafiami.com or its affiliated insurance companies may contact you either electronically or through phone, to understand your interest in the selected products and service(s) (like renewals, reminders etc.) and to fulfill your demand.

You also agree that lafiami.com reserves the right to make your details available to its affiliates and partners and you may be contacted by the affiliates and partners for information and for sales through email, telephone and/or SMS. You agree to receive promotional materials and/or special offers from lafiami.com through email or SMS.

License and platform access

lafiami.com grants you a limited license to access and make personal use of the platform and the service. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party; caching, unauthorized hypertext links to the platform and the framing of any content available through the platform uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in lafiami.com's sole discretion) an unreasonable or disproportionately large load on lafiami.com's infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools.

You may not bypass any measures used by lafiami.com to prevent or restrict access to the platform. Any unauthorized use by you shall terminate the permission or license granted to you by lafiami.com. By using the platform you agree not to:

  • use this platform or its contents for any unauthorized commercial purpose;
  • make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand;
  • access, monitor or copy any content or information of this platform using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission;
  • violate the restrictions in any robot exclusion headers on this platform or bypass or circumvent other measures employed to prevent or limit access to this platform;
  • take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure;
  • deep-link to any portion of this platform (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or
  • "frame", "mirror" or otherwise incorporate any part of this platform into any other website without our prior written authorization.

Eligibility

The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by lafiami.com for any reason. Users may not have more than one active account. Additionally, users are prohibited from selling, trading, or otherwise transferring their accounts to another party. If you do not qualify, you may not use the service or the platform.

Your Account

In consideration of your use of the platform, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of Nigeria or other applicable jurisdiction and will only use the platform to make legitimate purchases for you or for another person for whom you are legally authorized to act (and will inform such other persons about the ToU and/or Privacy Policy) that apply to the transaction you have made on their behalf (including all rules and restrictions applicable thereto).

You also agree to provide true, accurate, current and complete information about yourself as prompted by the platform. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or lafiami.com has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, lafiami.com has the right to suspend or terminate your account and refuse any and all current or future use of the platform (or any portion thereof). If you use the platform, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer.

You agree to accept responsibility for all activities that occur under your account or password. Because of this, we strongly recommend that you exit from your account at the end of each session. You agree to notify lafiami.com immediately of any unauthorized use of your account or any other breach of security. lafiami.com reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion.

Notwithstanding the above, we retain the right at our sole discretion to deny access to anyone to the platform and the services we offer, at any time and for any reason, including, but not limited to, for violation of the ToU or Privacy Policy. Additional terms and conditions will apply to your purchase of Services that you select.

Please read these additional terms and conditions carefully. You agree to abide by the terms and conditions of purchase imposed by any insurance service provider with whom you elect to deal, including, but not limited to, payment of all amounts when due and compliance with the service provider's rules and restrictions regarding use of products, and/or services.

You agree that any violation of any such service provider's rules and restrictions may result in cancellation of your purchase(s), in your being denied access to the applicable service(s), in your forfeiting any monies paid for such services, and/or in our debiting your account for any costs we incur as a result of such violation.

Submitted Content on Lafiami’s blog

lafiami.com does not claim ownership of any materials you make available through the platform. At lafiami.com's sole discretion, such materials may be included in the service in whole or in part or in a modified form. With respect to such materials you submit or make available for inclusion on the platform, you grant lafiami.com a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such materials (as well as use the name that you submit in connection with such submitted content).

You hereby represent, warrant and covenant that any materials you provide do not include anything (including, but not limited to, text, images, music or video) to which you do not have the full right to grant the license. We take no responsibility and assume no liability for any submitted content posted or submitted by you. We have no obligation to post your content or comments; we reserve the right in our absolute discretion to determine which comments or contents are published on the platform.

If you do not agree to these terms and conditions, please do not provide us with any submitted content. You agree that you are fully responsible for the content you submit. You are prohibited from posting or transmitting to or from this platform:

  • any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law;
  • any commercial material or content not authorized by the platform; and
  • any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this platform.

Disclaimer of Liability and Warranty

The Content, Products, and Services Published on this site may include inaccuracies or errors, Including Pricing errors. We do not guarantee the accuracy of , and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services we expressly reserves the right to correct any pricing errors on the site and/or on pending reservations made under an incorrect price.

lafiami.com makes no representation about the suitability of the information, products, and services contained on this site for any purpose, and the inclusion or offering of any products or services on this site does not constitute any endorsement or recommendation of such products or services.

All such information, products, and services are provided "as is" without warranty of any kind. lafiami.com disclaims all warranties and conditions that this site, its services or any email sent from lafiami.com, its affiliates, and/or their respective or associated service providers are free of viruses or other harmful components.

lafiami.com hereby disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement. The service providers providing insurance services on this platform are independent affiliates and lafiami.com are not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any such service providers or for any personal injuries, death, property damage, or other damages or expenses resulting therefore.

lafiami.com and its affiliates have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure or other causes beyond their direct control, and they have no responsibility for any additional expense omissions delays or acts of any government or authority.

In no event shall lafiami.com and/or its affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way connected with, your access to, display of or use of this site or with the delay or inability to access, display or use this site (including, but not limited to, your reliance upon opinions appearing on this site; any computer viruses, information, software, linked sites, products, and services obtained through this platform; or otherwise arising out of the access to, display of or use of this platform) whether based on a theory of negligence, contract, tort, strict liability, or otherwise.

Disclaimer of Online Availability Impressions, And Click-Through

In addition to the other disclaimers and limitations discussed in this notice, there are no guarantees and no warranties regarding online availability, impressions, and click-through of lafiami.com, its web pages, and any material, information, links, or content presented on the web pages at lafiami.com.

lafiami.com, its web pages, and any material, information, links, or content presented on the web pages at lafiami.com, may be unavailable for online access at anytime. lafiami.com reserves the right to accept or to reject any advertising sponsor or any advertising for any reason

Chargebacks

You (cardholder) may dispute a transaction carried out through our website and file a chargeback with your issuing bank for the reversal of that transaction. Chargeback allows transactions to be reversed by you under specified circumstances such as, on account of

  • alleged forgery of the card number/bank account or other details
  • any charge/debit made on a card that has been listed as a hot listed card or otherwise listed on the card association (Visa, MasterCard, etc.)
  • duplicate processing of the transaction; or (iv) for other reasons as per applicable rules and guidelines issued by CBN, card Associations, your card/payment instrument issuing bank etc. However, we reserve the right to reject a chargeback, including but not limited to, under the following circumstances:
    1. In the event your medical tests or underwriting is in process with your chosen insurer
    2. In the event there is any delay caused on the part of the insurer in conducting medical tests or during the process of medical underwriting or issuance of insurance policy or any service provided by the insurer in connection with the insurance policy issuance.

Our Company shall not be liable to you, in any form or manner whatsoever, for any claims, disputes, proceedings which may arise in connection with chargeback(s) initiated by you in these circumstances and more.

Additional Terms and Conditions of proposal form (applicable for health insurance products only):

You hereby declare, on your behalf and on behalf of all persons proposed to be insured, that the statements, answers and/ or particulars given by you are true and complete in all respects to the best of your knowledge and that you are authorized to propose on behalf of these other persons.

You understand that the information provided by you will form the basis of the insurance policy, is subject to approved underwriting policy of the insurer and that the policy will come into force only after full payment of the premium chargeable.

You further declare that you will notify in writing any change occurring in the occupation or general health of the life to be insured/proposer after the proposal has been submitted but before communication of the risk acceptance by the insurance company, directly to the insurance company.

You accept that lifiami.com is not an insurance company, and cannot be held liable for any claims for any insurance product purchased through its platform.

You authorize the lafiami.com/insurance company to share information pertaining to your proposal including the medical records of the insured/ proposer for the sole purpose of underwriting the proposal and/or claims settlement and with any Governmental and/or Regulatory authority.

You consent to and authorize any of insurance company’s authorized representatives not being direct employees of the company to seek medical information required for the purpose of policy issuance or claim settlement under this policy from any hospital/medical practitioner that you or any person proposed to be insured/insured has attended or may attend in future concerning any disease or illness or injury.

Customer Due Diligence requirements

You agree and acknowledge that for undertaking any financial transaction through the website, our company may undertake client/customer due diligence measurers and seek mandatory information required for KYC purpose which as a customer you are obliged to give, while facilitating your request of insurance requirements with the insurance company(ies), in accordance with applicable Nigerian laws and rules.

Our company may obtain sufficient information to establish, to its satisfaction or the insurance company, the identity of each new customer, and the purpose of the intended nature of insurance relationship between you and the insurance company(ies).

You agree and understand that you shall ensure that any payment towards insurance premium is remitted only through your bank account or from a joint bank account in which you are a joint holder.

In the event, payment towards insurance premium is remitted through a bank account opened in the name of a third party(i.e. not being in your name), you agree and acknowledge that our company can undertake enhanced due diligence measures (including any documentation), to satisfy itself relating to customer due diligence requirements.

License Disclaimer

Nothing on any lafiami.com website shall be construed as conferring any license under any of lafiami.com's or any third party's intellectual property rights, whether by estoppel, implication, or otherwise.

Local Laws

lafiami.com controls and operates this website from its headquarters in Lagos, Nigeria and makes no representation that the materials on the website are appropriate or available for use in other locations.

If you use this website from other locations, you are responsible for compliance with applicable local laws including but not limited to the export and import regulations of other countries.

Unless otherwise explicitly stated, all marketing or promotional materials found on this website are solely directed to individuals, companies or other entities located in Nigeria and comply with the laws prevailing for the time being in force in Nigeria. Disputes if any shall be subject to the exclusive jurisdiction of Courts in Nigeria.

Limitation of Liability

You expressly understand and agree that lafiami.com and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if lafiami.com has been advised of the possibility of such damages), resulting from use of the site, content or any related services.

If, despite the limitation above, lafiami.com or its affiliates are found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of lafiami.com and/or its affiliates will in no event exceed, in the aggregate the service fees you paid to lafiami.com in connection with such transaction(s) on the platform.

Indemnity

You agree to indemnify and hold lafiami.com (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this ToU, your violation of any law or the rights of a third party, or your use of the platform.

Electronic Communication

When you use the Site or send emails to lafiami.com, you are communicating with lafiami.com electronically. You consent to receive communications from lafiami.com electronically. lafiami.com may communicate with you by email or by posting notices on the platform or by phone or usually available means of communication. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Access to Password Protected/Secure Areas

Access to and use of password protected and/or secure areas of the site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the site may be subject to prosecution.

Modification and Notification of Changes

lafiami.com reserves the right to make changes to the site, related policies and agreements, this ToU and the Privacy Policy at any time. If lafiami.com makes a material modification to this ToU, it may notify you by:

  • displaying a prominent announcement above the text of this ToU or the Privacy Policy, as appropriate, for thirty (30) days, being deemed sufficient notification, of such changes. After notice of a modification to the ToU or the Privacy Policy has been posted for 30 days, the notice will be removed. If you have not used the site for more than 30 days, you should check the ToU and/or privacy policy prior to any further use of the site.

Trademarks

The trademarks, logos and service marks ("Marks") displayed on the Site are the property of lafiami.com /its parent company and other associated parties and service providers. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of lafiami.com or such third party which may own the marks.

All information and content including any software programs available on or through the site ("content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content available on or through the site for commercial or public purposes.

Survival of Terms After Agreement Ends

Notwithstanding any other provisions of this ToU, or any general legal principles to the contrary, any provision of this ToU that imposes or contemplates continuing obligations on a party will survive the expiration or termination of this ToU.

General

If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. Headings are for reference purposes only and do not limit the scope or extent of such section.

This ToU and the relationship between you and lafiami.com will be governed by the laws of Nigeria, without regard to its conflict of law provisions.

You and lafiami.com agree to submit to the personal jurisdiction of the courts located in Lagos jurisdiction with respect to any legal proceedings that may arise in connection with this ToU.

The failure of lafiami.com to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches.

lafiami.com does not guarantee it will take action against all breaches of this ToU. Except as otherwise expressly provided in this ToU, there shall be no third-party beneficiaries to this ToU. This ToU constitutes the entire agreement between you and lafiami.com and governs your use of the platform, superseding any prior agreements between you and lafiami.com with respect to the platform.