The information provided in this web site is intended to ensure your protection as well as that of Demerara Mutual, its subsidiaries and affiliates. All rights in the information, including but not limited to concepts, layout, ideas, logos and graphics, published in this web site remain the exclusive property of Demerara Mutual. Information in this site (except where expressly authorized), may not be copied, reproduced, distributed, transmitted or in any way disseminated without the prior written consent of Demerara Mutual. Information in this site is provided for lawful purposes only and may be changed at any time without notice.
To the fullest extent permitted by applicable law, the materials on this website are provided as-is and without warranties of any kind, expressed or implied. The Demerara Mutual Life Assurance Society Ltd and its subsidiaries and affiliates (collectively Demerara Mutual) disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, non-infringement, security or accurateness. Demerara Mutual does not warrant that the functions of this website and the materials contained herein will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.
Demerara Mutual does not warrant or make any representations regarding the use or the results of the use, of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Demerara Mutual) assume the entire cost of all necessary servicing, repairs, or correction of any device or computer you use to access this website.
The information about the general insurance products published on this website may include inaccuracies or errors, including pricing errors. Demerara Mutual does not guarantee the accuracy of, and disclaim all liability for any errors or other inaccuracies relating to the information and description of insurance products displayed on this Website (including, without limitation, the pricing, general product descriptions, etc.). In addition, Demerara Mutual expressly reserves the right to correct any pricing errors on our website and/or quotations made under an incorrect price.
“To facilitate users of Demerara Mutual website, the Google Translation Service is used to provide an automated translation of its dynamic content (news feeds, press releases, etc). If any questions arise concerning the accuracy of the information presented by the translated version, please refer to the English version which is the official version. By choosing Google Translate menu, the user agrees to withhold all liability and/or damage that may occur to the user by depending on or using the translation by Google”.
BANK AND CREDIT CARD FEES:
Some banks and credit card companies impose fees for international transactions. If you are paying for your insurance on this website and outside of Guyana you may be subject to this fee, your bank may convert the payment amount from your local currency and charge you a conversion fee. This means the amount listed on your credit or bank card statement may be in your local currency and therefore a different figure than the figure shown on the quotation from this Website.
In addition, a foreign transaction fee may be assessed if the bank that issued your credit card is located outside of Guyana.
The currency exchange rate and foreign transaction fee is determined solely by your bank on the day that they process the transaction. If you have any questions about these fees or the exchange rate applied to your purchase, please contact your bank.
THIRD PARTY CONTENT:
This website may contain links to other websites which are not maintained by Demerara Mutual. Demerara Mutual is not responsible for the content of such websites. The inclusion of any link to such websites does not imply Demerara Mutual’s approval or endorsement of such sites or the content thereof. Demerara Mutual cannot guarantee that the links set out on our website will be accurate at the time of your access. Moreover, the sites pointed at by links have been independently developed and possibly maintained by person(s) over whom Demerara Mutual has no control.
Demerara Mutual cannot and does not monitor the third party sites linked to its pages on the Internet or any transmission made through the respective web pages and news groups. Accordingly, Demerara Mutual assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. Demerara Mutual believes that our making available links to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.
LIMIT OF LIABILITY:
While Demerara Mutual uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permitted by applicable law, Demerara Mutual makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall Demerara Mutual or any party involved in creating, producing, or delivering this website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Demerara Mutual or a Demerara Mutual authorized representative has been advised of the possibility of such damages. In no event shall Demerara Mutual’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. Demerara Mutual also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website.