Terms & Conditions

Our terms to help us serve you better

TERMS AND CONDITIONS OF SERVICE

Pinnacle Risk Advisory Limited, the provider of the Website and the owner of the product known as “myinsurebank” - (referred to as 'us' or 'we' or “PRAL”), provides that its users and customers are subject to the following terms and conditions (the 'Terms and conditions of Service'):

IN GENERAL
Pinnacle Risk Advisory Limited (PRAL) is a limited liability company (RC 1439059) registered under the Laws of Nigeria, and licensed by the National Insurance Commission (NAICOM) as a licensed insurance agent. By using our services, you are agreeing to all of the Terms and conditions of Service, as may be updated by us from time to time. You should check this page regularly to take notice of any changes we may have made to the Terms of Service. Access to this Website is permitted on a temporary basis, and we reserve the right to withdraw or amend the services without notice. We will not be liable if for any reason this website is unavailable at any time or for any period. From time to time, we may restrict access to some parts or all of this website. This website also contains links to other websites, which are not operated by PRAL (the 'Linked Sites'). PRAL has no control over the linked sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them. Your use of the linked sites will be subject to the terms of use and service contained within such site.

PRIVACY POLICY
Our privacy policy, which sets out how we will use your information, can be found at Privacy Policy. By using this website, you consent to the processing described therein and you warrant that all data provided by you is accurate and up to date.

INTELLECTUAL PROPERTY, SOFTWARE AND CONTENT
The intellectual property rights in all software and content made available to you on or through this website remain the property of PRAL or its licensors and are protected by copyright laws and treaties around the world. All such rights are reserved by PRAL and its licensors. You may store, print and display the content supplied solely for your own personal use. You are not permitted to publish, manipulate, distribute or otherwise reproduce, in any format, any of the content or copies of the content supplied to you or which appears on this website nor may you use any such content in connection with any business or commercial enterprise. You shall not modify, translate, decompile, disassemble or create derivative works based on any software or accompanying documentation supplied by PRAL or its licensors. No licence or consent is granted to you to use these marks in any way, and you agree not to use these marks or any marks which are colourably similar without the written permission of PRAL.

ELECTRONIC COMMUNICATIONS
When you use PRAL, or send e-mails, text messages, and other communications from your desktop, laptops or any other device to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you in a variety of ways, such as by e-mail, text, in-app push notices, or by posting notices and messages on this site. 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.

LICENSE AND ACCESS
Subject to your compliance with the terms contained in this agreement and your payment of any applicable fees, PRAL or its content providers grant you a limited, non-exclusive, non- transferable, non-sub licensable license to access and make personal and non-commercial use of the PRAL Services. This license does not include any resale or commercial use of any PRAL Service, or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of any PRAL Service or its contents; any downloading, copying, or other use of account information for the benefit of any third party; or any use of data mining, robots, or similar data gathering and extraction tools. All rights not expressly granted to you in these Conditions of Use or any Service Terms are reserved and retained by PRAL or its licensors, suppliers, publishers, or other content providers. No PRAL Service, nor any part of any PRAL Service, may be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of PRAL. You shall not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of PRAL without express written consent. You may not use any meta tags or any other 'hidden text' utilizing PRAL’s name or trademarks without the express written consent of PRAL You shall not misuse the PRAL Services. You shall use the PRAL Services only as permitted by law. The licenses granted by PRAL terminate if you do not comply with these Conditions of Use or any Service Terms.

PRODUCTS & SERVICES
This website/platform is a marketplace which allows insurance companies domicile in Nigeria to sell their products and for the user to report insurance claims. For avoidance of doubt, none of the products listed on our website is owned or sold by PRAL. The products are owned and sold by the individual insurance companies as listed on our website. PRAL through this site, purely acts as a broker by providing a platform through which the members of the public may pay their premium, and get insured. It is also serves as a platform through which the insured could report a claim provided the cover was purchased using this platform. The user of this platform agrees that PRAL would be held free from any liability in contract, pre-contract or other representations in tort, for all transactions conducted on this platform. For avoidance of doubt, upon confirmation of receipt of payment made on this website / platform, a contract is formed strictly between the user of this website / platform and the insurance company whose policy has been subscribed to.

YOUR ACCOUNT
If you use PRAL’s Service, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. PRAL does sell products for children, but it sells them to adults, who can purchase with a credit card or other permitted payment method. If you are under 18, you may use PRAL’s Services only with involvement of a parent or guardian. PRAL reserves the right to refuse service, terminate accounts, remove or edit content, or cancel orders in its sole discretion. PRODUCT DESCRIPTIONS PRAL attempts to be as accurate as possible in the description of products. However, PRAL does not warrant that product descriptions or other contents are accurate, complete, reliable, current, or error-free. Description of products as seen on our website/platform are as posted by the insurance companies. If a product offered on the website / platform is not as described, your sole remedy is a refund provided the product is unused.

TERMS OF SALE
By purchasing a product on this platform, you are subject to the following terms and conditions:  All subscriptions payments on this website / platform are subject to confirmation.  PRAL retains the right to refuse any purchase made by you, and PRAL reserves the right to close your PRAL account at its sole discretion.  If a purchase made by you is accepted, we will inform you by email and we will confirm the name of the insurance company you have contracted with. Please note that PRAL is not acting as either an agent or principal of the insurance company. The contract is made between yourself and the insurance company and will be subject to the terms of sale which the particular insurance company will supply to you.  When subscribing, you undertake that all details you provide to us are true and accurate, that you are an authorised user of the credit or debit card used to place your order and that there are sufficient funds to cover the cost of the goods.  If you are dissatisfied with the Site or with any terms, conditions, rules, policies, guidelines, or practices of PRAL in operating the Site, your sole and exclusive remedy is to discontinue using the Site.

OUR CONTRACT
When you pay for a policy through our website / platform, you will receive an acknowledgement e-mail confirming receipt of your order. This email will only be an acknowledgement and will not constitute acceptance of your subscription. A contract is only formed between you and the insurance company when your payment has been approved by us and we have debited your credit or debit card.

INDEMNITY
You agree to indemnify, defend and hold harmless PRAL, its directors, officers, employees, consultants, agents, and affiliates, from any and all third party claims, liability, damages and/or costs (including, but not limited to, legal fees) arising from your use this Website or your breach of the Terms of Service.

VARIATION
PRAL shall have the right in its absolute discretion at any time and without notice to amend, remove or vary the Services and/or any page of this Website.

COMPLAINTS
If you have any queries or complaints, kindly call us on 08173639605 or send us an email on info@pinnacleriskng.com

WAIVER
Non- enforcement of any of PRAL’s rights at a particular time will still entitle us to our rights and remedies at any other time and situation. DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY All information, content, materials, products (including software) and other services included on or otherwise made available to you through this website are provided by PRAL on an 'as is' and 'as available' basis, unless otherwise specified in writing. PRAL makes no representations or warranties of any kind, express or implied, as to the operation of the website, or the information, content, materials, products (including software) or other services included on or otherwise made available to you through the website, unless otherwise specified in writing. You expressly agree that your use of the website is at your sole risk. To the full extent permissible by applicable law, PRAL disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. PRAL does not warrant that the website, information, content, materials, products (including software) or other services included on or otherwise made available to you through the website PRAL 's servers or electronic communications sent from PRAL are free of viruses or other harmful components. PRAL will not be liable for any damages of any kind arising from The use of the website, or from any information, content, materials, products (including software) or other services included on or otherwise made available to you through the website, including, but not limited to direct, indirect, incidental, punitive, and consequential damages, unless otherwise specified in writing.

SEVERABILITY
If any clause or term of this Agreement should be invalid, unenforceable or illegal, then such clause or term will be deemed to be severable and will not affect the validity of the remaining terms and provisions of this Agreement which will continue in full force.

DISPUTES
If any dispute arises as a result of the use of this website, the aggrieved party and PRAL shall endeavour to settle the dispute between each other at first instance through a notification sent to the office of PRAL by e-mail. If an amicable resolution is not reached between parties, the dispute shall be finally resolved through arbitration as governed by the Arbitration of Conciliation Act of Nigeria, CAP A.18 LFN 2004.

APPLICABLE LAW
This Terms and Conditions of Service shall be governed by the laws of the Federal Republic of Nigeria.

ENTIRE AGREEMENT
The above Terms of Service constitute the entire agreement of the parties and supersede any and all preceding and contemporaneous agreements between you and PRAL.