Effective Date: 10th October 2024

Welcome to the website of Clover Insurance Brokers Limited (“we,” “us,” or “our”). By accessing or using our website, www.cloverinsurance.co.zm (the “Site”), you agree to comply with and be bound by these Terms of Use. If you do not agree to these terms, please do not use our Site.

Acceptance of Terms

By accessing the Site, you accept these Terms of Use and our Privacy Policy, which is incorporated by reference. If you are using the Site on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

User Obligations

You agree to use the Site in accordance with applicable laws and regulations. You will not:

• Use the Site for any illegal or unauthorized purpose

• Engage in any activity that may disrupt or interfere with the functioning of the Site.

• Attempt to gain unauthorized access to any part of the Site or any systems or networks connected to the Site.

Intellectual Property

All content on the Site, including text, graphics, logos, and images, is the property of Clover Insurance Brokers Limited or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or modify any content without our prior written consent.

Limitation of Liability

To the fullest extent permitted by law, Clover Insurance Brokers Limited shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your access to or use of the Site. This includes damages for loss of profits, goodwill, use, data, or other intangible losses.

Indemnification

You agree to indemnify and hold Clover Insurance Brokers Limited, its affiliates, and their respective officers, directors, employees, and agents harmless from any claims, losses, liabilities, damages, costs, or expenses (including legal fees) arising out of or related to your use of the Site or violation of these Terms.

Links to Third-Party Sites

Our website may contain links to third-party websites. We do not endorse or assume any responsibility for the content or practices of these sites. We encourage you to review the terms and conditions and privacy policies of any third-party sites you visit.

Modification of Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on the Site. Your continued use of the Site after any modifications constitutes acceptance of the new terms.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of Zambia. Any disputes arising out of or related to these terms shall be subject to the exclusive jurisdiction of the courts located in Zambia.

Contact Us

If you have any questions or concerns about this Terms of Service or how your information is handled, please contact us at:

Clover Insurance Brokers Limited
Plot 33 Godfrey Chitalu Rd, Nyumba Yanga
(+260) 967-116368
[email protected]