Terms of Use


The following terms and conditions apply to all users and viewers of this web site.  By accessing or using this website, you acknowledge your assent to the following conditions of use, as well as any additional terms contained within this website, without limitation or qualification (collectively, the “Terms of Use”). Please read these Terms of Use carefully before using this website. You may only utilize this website in accordance with these Terms of Use and our Privacy Policy.

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.

These Terms of Use may be revised by Demerara Mutual at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then-current conditions to which you are bound.


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 and descriptions contained herein are not necessarily intended to be complete descriptions of all applicable terms, exclusions and conditions and are provided solely for general informational purposes. Companies and individuals should not rely on the information provided on this website for the prevention or mitigation of risks or as an explanation of coverage or benefits under an insurance policy. If you are a Demerara Mutual customer, you may be subject to other agreements (your policy contract) with Demerara Mutual. These Terms of Use apply to use of this website and do not change or alter any other contract or agreement between you and Demerara Mutual. Please refer to your policy documentation for more information regarding any applicable Demerara Mutual service or product.

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”.


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.


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.


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.

You will be responsible for any liability arising out of your access to, or use of, this website or its contents in a manner other than as expressly authorized by these Terms of Use or your violation of applicable laws or any rights of any third party.


Demerara Mutual reserves the right to change these Terms of Use in order to address future developments of Demerara Mutual, the website or changes in industry or legal trends. If any portion of these Terms of Use is found to be unenforceable, the remaining sections of the Terms of Use will remain in effect.