NicozDiamond Insurance Limited – Terms and Conditions of Service

1. Definitions

a) “NicozDiamond” means NicozDiamond Insurance Limited, an authorised Insurance Services Provider;
b) “the NicozDiamond website” means the NicozDiamond website and all its pages and content, owned and operated by NicozDiamond and located at;
c) “User” means the person browsing the website. In this case it is referring to you.

2. General

The use of the NicozDiamond website is subject to these terms and conditions. Accessing and using the NicozDiamond website or any part thereof implies that you (“user”) have understood and agree to the terms and conditions below. Feel free to exit the website if you do not agree with these terms.

3. Disclaimers

NicozDiamond makes every reasonable effort to ensure that all information on this website is current, accurate and complete at the date of publication, but it makes no representations or warranties whatsoever about such information or the website generally.

a) Neither NicozDiamond nor any of its service providers shall be liable for any loss arising directly or indirectly from the use of, or any action taken in reliance on this website.
b) No warranty or representation is given as to the freedom of this website from errors, defects, viruses or other malicious programs.
c) Users should take appropriate professional advice prior to making any investment decision.

4. Allowed use of the NicozDiamond website

A. NicozDiamond hereby grants the User a non-exclusive, non-transferable license :

a)  To view/browse the NicozDiamond website;
b)  To use content for personal and non-commercial purposes in accordance with the terms and conditions below;
c)  To copy, download and print the content of the NicozDiamond website for purposes of executing – or with the intention to execute a transaction between the User and NicozDiamond or any of its agents;
d) the User may not adapt, redistribute or modify the content or any part thereof or frame, “mirror”, data-mine or cache the NicozDiamond website or reverse engineer, copy, modify, download, distribute, decompile or create a derivative work of the software, or any part thereof without prior written permission from NicozDiamond.
e) The User is not allowed to upload or submit damaging code to the NicozDiamond website;
f) The User may not use the NicozDiamond website’s communication facilities for purposes of unsolicited communications (“Spam”) or to send or publish any content that is in violation of any law or that are obscene, defamatory, racist or offensive of nature or may result in the infringement of intellectual property;
g) The User’s fair use and other rights are in no way affected by the above;

B. Hyperlinks to and from NicozDiamond website

a) Other websites are not permitted to link to or frame this website without NicozDiamond’s prior written consent.
b) The NicozDiamond website may contain links to other websites operated by third parties. NicozDiamond does not operate or control, in any respect whatsoever, any of the information, graphics and material on those third party websites or guarantee that the website will be operational at all times;
c) Links to third party websites are included solely for the convenience of Users. The User therefore assumes sole responsibility for the use of a third party website;
d) NicozDiamond makes no warranties or representations regarding the quality, accuracy, reliability, legality, merchantability or fitness for purpose of third party website content or products or services available through third party websites or that the third party website content does not infringe the intellectual property rights of any person;
e) NicozDiamond expressly disclaims acting in any respect on behalf of third party website operators and/or owners. Third party websites may be subject to their own terms of use and privacy policies different from those of this site;

5. Additional information to the user as consumer

a) Access to the NicozDiamond website is for free;
b) The main services available under the NicozDiamond website are to provide the User with information and contact details of NicozDiamond , give the user facilities to get quotations and also transact with NicozDiamond;
c) To lodge complaints email: or use any of the contact details available on the NicozDiamond website under “Contact Us” to communicate with NicozDiamond.

6. Security

a) NicozDiamond endeavours to take all reasonable steps to protect the User’s personal information. However, NicozDiamond cannot guarantee the security of any data the User discloses online. The User accepts the inherent security risks of providing information and dealing online over the Internet and will not hold NicozDiamond, its directors, employees or agents responsible for any breach of security unless this is due to our gross negligence or willful misconduct;
b) Please take note that NicozDiamond may send User emails from time to time. However NicozDiamond would never send an email asking for the User’s logon details or bank details.
c) It is NicozDiamond’s policy to virus check documents and files before they are posted on the NicozDiamond website. However, NicozDiamond cannot guarantee that documents or files downloaded from this website will be free from viruses and NicozDiamond does not accept any responsibility for any damage or loss caused by any virus.
d) The User must virus-check any document or file which the User intends to post or provide to NicozDiamond via this website.

7. Breach

If the User is in breach of the terms and conditions of this website, NicozDiamond reserves the right to, without prejudice to any rights which it may have in terms hereof or at law, to:

a) Order for specific performance;
b) Claim damages;
c) Institute criminal procedures where applicable and necessary;
d) All costs, charges and expenses of whatsoever nature which may be incurred by NicozDiamond in enforcing its rights in terms hereof including, without limitation, legal costs on the scale as between an attorney and own client and collection commission, irrespective of whether any action has been instituted, shall be recoverable from the User if the above rights are successfully enforced.

8. Privacy Policy Statement

We value your personal information and intend to give you as much control as possible over your personal information. The purpose of this statement is to set out how we use personal information that we may obtain about the User. By using the NicozDiamond website generally the User agrees to the following use:

a) Use of Personal Information

1. When the User uses/browses the NicozDiamond website, NicozDiamond may collect, store and use the User’s personal information or any other additional information for purposes as set out below;
2. NicozDiamond may use personal information or any other requested information that the User provides or that is obtained by NicozDiamond:

  • To submit information about NicozDiamond services/products to the User; or
  • To fulfill NicozDiamond’s agreement with the User; or
  • To register the User with NicozDiamond website and to administer our website services; or
  • To identify the User when accessing and utilising the NicozDiamond website; or
  • To ensure that the User’s requested services are delivered; or

For assessment and analysis of non-personal statistical information to enable NicozDiamond to review, develop and improve the services which NicozDiamond offers that will enable NicozDiamond to communicate with the User and other customers such relevant information;

b) Disclosure of User Information

1. NicozDiamond may give information about the User to the following, who may use it for the same purposes as set out above (excluding direct communications):
a) To employees and agents of NicozDiamond to administer the website and communications to the User;
b) To anyone to whom NicozDiamond transfers or may transfer rights and duties under an agreement with the User;
c) If NicozDiamond has a duty to do so or if the law allows NicozDiamond to do so;
2. No login names or passwords will be disclosed to any third party.
3. Occasionally third parties may provide storage services to NicozDiamond. In those circumstances those third parties shall be required to enter into a Non-Disclosure Agreement on no less stringent terms than found in this privacy statement and to process and protect User data solely in accordance with our instructions;

c) Cookies

  1. Cookies may be used by NicozDiamond to understand the Users of the NicozDiamond website better. Cookies allow NicozDiamond to understand who has seen which pages and advertisements, to determine how frequently particular pages are visited and to determine the most popular areas of the NicozDiamond website. Depending on the type of cookie NicozDiamond uses, cookies also allow NicozDiamond to make the NicozDiamond website more user friendly, for example, permanent cookies allow NicozDiamond to save the User’s password so that the User does not have to re-enter it every time the User visits the NicozDiamond website;
  2. The User can usually adjust its browser so that the User’s computer does not accept cookies. If the User does this, the User will still be able to browse around the site but the functions that allow the User to access an existing account or page that requires a username or password, will not be available;

    We recommend you print out a copy of these terms and conditions for future reference.

    Updated: 20/09/2016