GRUPI TERMS OF USE
GRUPI INSURTECH LIMITED, its parent, subsidiaries, successors, assignees and affiliates ( “Grupi,” “we,” “our,” or “us”) provide access to and use of Grupi.co, a website owned and operated by Grupi, as well as any and all other websites and subdomains owned, operated or controlled by Grupi, including, without limitation, any and all mobile-optimized websites and subdomains (the “Website”) as well as Grupi’s mobile applications (the “Grupi App”), together with the content, software, online, and/or mobile services, the Grupi insurance products, Grupi WhatsApp and web chatbots, renewals, and functionality offered on or through the website and Grupi App and made available via phone, tablet, or other mobile devices (collectively, the “Services”).
These Terms of Use (the “Terms”) together with any and all specific terms and conditions for each of our products and services, as amended from time to time, represent an agreement between you, an individual customer, member, visitor or user (“you”, “your” or collectively with other users, “Users”) and Grupi; and govern your use and access to our Services. PLEASE READ THESE TERMS CAREFULLY TO ENSURE THAT YOU UNDERSTAND EACH PROVISION. BY DOWNLOADING, REGISTERING, SIGNING INTO, ACCESSING, BROWSING, OR OTHERWISE USING THE SERVICES, WHETHER AS A GUEST OR REGISTERED USER, OR OTHERWISE ACCEPTING THESE TERMS, YOU ARE SIGNIFYING THAT YOU HAVE READ AND UNDERSTAND THE TERMS, AND AGREE TO BE BOUND BY THESE TERMS, ALL GUIDELINES (AS DEFINED IN SECTION 4(B)), OUR PRIVACY POLICY AND ANY AND ALL FUTURE MODIFICATIONS TO THESE TERMS, AS WELL AS TO THE COLLECTION AND USE OF YOUR INFORMATION AS SET OUT IN OUR PRIVACY POLICY.
Grupi reserves the right in its sole discretion to edit, delete, modify or amend from time to time these Terms, any documents, information or other content appearing on the Website without specific notice to you. We reserve the right, subject to applicable law, to deliver to you any notice of changes to existing Terms or the addition of new terms by posting an updated version of these Terms on the Website or delivering notice thereof to you electronically. The latest Terms will be posted on the Website, and you should review these Terms prior to using our Services. You are free to decide whether or not to accept a revised version of these Terms, but accepting these Terms, as revised, is required for you to continue accessing or using the Services. If you do not agree to these Terms or any revised version of these Terms, your sole recourse is to terminate your access or use of the Services. Except as otherwise expressly stated by us, your access and use of the Services are subject to and constitute your acceptance of, the version of these Terms in effect at the time of your access or use.
CONSENT
By signing up or using our Services, you acknowledge that you have read, understood and agreed to be bound by the terms outlined in these Terms and to comply with all our applicable third-party service provider terms of use and agreements. In addition, you agree that our third-party service providers are third-party beneficiaries of the applicable provisions of these Terms, with all rights to enforce such provisions as if such service providers were a party to these Terms.
PROVISION OF SERVICES
We shall provide you with our Services as stated in these Terms and Guidelines for each of our products and Services. Any date proposed by us for the provision of our Services or a product is to be treated as an estimate only and we accept no liability for failure to meet it. You agree that your ability to use the Services and each of its features will depend on the features and functionality of your device. Not all devices have the features and functionality that are required to use all features of the Services. We reserve all rights not granted to you in these Terms.DESCRIPTION OF SERVICES
Our Services include, without limitation, the capability to register and pay for insurance, renew insurance, make instant insurance claims, perform and/or complete certain functions related to Grupi products and Services. All descriptions of proposed products and Services are based on assumptions subject to change and you should not rely on the availability or functionality of products or Services until they are actually offered through the Website. We reserve the right in our sole discretion to determine how registration and other promotions will be awarded. This determination includes, without limitation, the scope, nature and timing of all such awards.
ELIGIBILITY/USE OF THE SERVICES
Eligibility Requirements: In order to access and use our Services, you must:
- e at least 18 years of age (or older if you reside in a state where the majority age is older) to be able to access or use the Services or create a Grupi Account (“User Account”), as the Services are not intended for children under 18. The Services are not available to any User previously removed from the Services (or whose User Account have been terminated) by Grupi. You represent and warrant that you possess the legal right and ability to enter into these Terms and to use the Services in accordance with these Terms;
- Be registered with us through a group, association or employer on our Grupi App or Website; and provide all information requested by us, such as your name, email address, mobile device number, online credentials for registering with Grupi and such other information as we request from time to time (collectively, “User Information”). Furthermore, you represent and warrant that all User Information you provide to us from time to time is truthful, accurate, current and complete, and you agree not to misrepresent your identity or your User Information. You agree to promptly notify us of changes to your User Information by updating your User account on the Grupi App and Website or contacting Grupi customer care channels. If we approve of your registration, you will be authorized to use the Services, subject to these Terms and provided that the Services will not be used for fraud.
GUIDELINES:
When using the Services, you will be subject to any and all additional operating rules, policies or guidelines applicable to specific Services and features that may be published by us from time to time (“Guidelines”).
Your use of the Services: In using the Services, you agree to the following;
- To use the Services only for purposes expressly authorized by Grupi in these Terms and to comply with all current versions of the Guidelines.
- To be solely responsible for your actions and the contents of your transmissions through the Services. In addition, you agree that, by your electronic transmission of information via the Services, you are making any and all documentation required by us and applicable laws have the same force and effect as a manually signed document. You agree that parties whom you authorize to print applications, forms, or other documents have the right to print “signature on file” on the hard copy of such materials on which such certification is required. If required by a government agency, or at our request, you agree to provide written documentation and certification in hard copy form.
- Your right to use the Website is not transferable. Any password or right given to you to obtain information or documents is not transferable. You will restrict unauthorized users from gaining access to the Services. If you are not a registered user, you may receive a user name and password upon completing the registration process. You are responsible for maintaining the confidentiality of your passwords and for any and all activities authorized or performed or that occur under your passwords or User Account whether authorized or unauthorized by you. You agree to immediately notify Grupi of any unauthorized use of your User Account or any other breach of security known to you.
- To use a web browser version that we support in conjunction with the Services.
INSURANCE PREMIUMS, QUOTES AND COVERAGES
All quotes generated or indicated by Grupi Products on its website/mobile app/chatbots are based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided are general descriptions of available coverages and are not a statement of contract. To obtain the coverage, you and your group or employer must submit an application to Grupi whether on the website, Grupi App or any other means as Grupi may prescribe from time to time. All applications are subject to underwriting approval. Coverages and availability may vary by your location, benefits required, number of members in a group, average age, and other key parameters. Additional minimum coverage limits may be available on products chosen.
PAYMENTS
You represent and warrant that if you are purchasing any of the Services from us that (i) any credit information you supply is true and complete, (ii) charges incurred by you will be honoured either by your Mobile Money Wallet (MTN Momo, Vodafone Cash, AirtelTigo Money) debit or credit card company, (iii) you will pay the charges incurred by you at the posted prices, including any applicable taxes, and (iv) you consent to be automatically debited, should you choose our auto-renewal options.
PRIVACY POLICY
Grupi respects and is committed to protecting your privacy. You understand that by signing up for our Services and ticking the box designated for consent, you consent to and authorize the collection, use, storage and disclosure of your user information as set out in our Privacy Policy. Grupi shall process all personal data obtained through our Website/Mobile App in accordance with our Privacy Policy.
DUE DILIGENCE AND AUDIT RIGHTS
Grupi operates an anti-money laundering compliance program and reserves the right to perform due diligence checks on all users of our Services. You agree to provide to us all such information, documentation and access which we may require in order to verify your adherence to, and performance of, your obligations under these Terms or to comply with a valid court order or as otherwise required by any applicable law or regulation.
GRUPI’S PROPRIETARY RIGHTS TO CONTENT
You acknowledge and agree that content, including, without limitation, text, software, music, sound, photographs, video, graphics, images, logos, button icons, editorial content, notices, design, compilation, magnetic translation, digital conversion, software (including, without limitation, HTML-based computer programs), other materials and other information presented to you through the Services or other matters related to the Services (collectively “Content”), are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. You are only permitted to use this Content as expressly authorized by Grupi or the Services. You do not acquire ownership rights to any Content viewed through the Website or any express or implied licence grant to our intellectual property or the intellectual property of our licensors. The use of Content other than as expressly permitted by these Terms is strictly prohibited. The posting of information or materials on the Website does not constitute a waiver of any right in such information and materials.
USER CONTENT
The Services may permit you to submit content, send emails and other communications, and provide other information for publication or distribution to third parties (collectively, "User Content"). Any User Content must not be illegal, threatening, obscene, racist, defamatory, libellous, pornographic, infringing of intellectual property rights, promoting of illegal activity or harm to groups and/or individuals, invasive of privacy, purposely false or otherwise injurious to third parties, or objectionable and must not consist of or contain software, computer viruses, commercial solicitation, political campaigning, chain letters, mass mailings, or any form of "spam. Where you submit User Content, and unless we indicate otherwise, you grant us a nonexclusive, perpetual, royalty-free, irrevocable, and fully sublicensable (through multiple tiers) right to use, modify, reproduce, adapt, translate, publish, create derivative works from, distribute, display, and otherwise exploit such User Content throughout the world in any media. We take no responsibility and assume no liability for any User Content submitted by you or any other user or third party. You acknowledge that your disclosure is gratuitous, unsolicited and without restriction; and will not place Grupi under any fiduciary or other obligation. You further acknowledge that, by acceptance of your submission, Grupi does not waive any rights to use similar or related ideas previously known to Grupi, or developed by its officers, employees, agents or contractors, or obtained from sources other than you.
USER RESTRICTION
The viewing, printing or downloading of any content, graphic, form or document from the Website or Grupi App grants you only a limited, nonexclusive right to use solely by you for your own personal use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, the benefit of any third party or other use. No part of any content, form or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal use (but not for resale or redistribution). You hereby agree not to engage in: (a) copying, modifying, distributing, or disclosing any part of the Services in any medium, including, without limitation, by any automated or non-automated “scraping” or creating any derivative product; (b) renting, leasing, loaning, reselling, sublicensing, distributing or otherwise transferring the Services or any part of the Services to any third party; providing time sharing or similar Services for any third party; or using or exploiting the Services or any part of the Services for any public or commercial solicitation purposes (including but not limited to market research, the provision of pricing estimates or shadow shopping) or otherwise (either directly or indirectly) for profit or gain other than your own internal personal or business use; (c) using any automated system, including, without limitation, “robots,” “spiders,” “offline readers,” “scrapers”, etc., to access the Services in a manner that sends more request messages to Grupi’s servers than a human can reasonably produce in the same period of time by using a conventional on-line web browser or to monitor or copy the Services; (d) transmitting spam, chain letters, or other unsolicited email; (e) attempting to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Services; (f) taking any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure; (g) uploading invalid data, viruses, malware, worms, or other software agents through the Services; (h) collecting or harvesting any User Information, including, without limitation, account names from the Services; (i) impersonating another person or entity or otherwise falsely stating or misrepresenting your identity or affiliation with a person or entity, conducting fraud, hiding or attempting to hide your identity; (j) interfering with the proper working of the Services; (k) accessing any content on the Services through any technology or means other than those provided or authorized by the Services; (l) disassembling, decompiling or reverse engineering the Services or any part of the Services or otherwise seek to obtain the source code of the Services, except to the extent that such restriction is expressly prohibited by Law; (m) removing, circumventing, disabling, damaging, bypassing or otherwise interfering with the measures we may use to prevent or restrict access to the Services, including, without limitation, features that prevent or restrict use or copying of any content accessible through the Services or enforce limitations on use of the Services, or the content therein; (n) deleting the copyright and other proprietary rights notices on the Services; (o) using the Services in any way that are illegal, harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene or otherwise objectionable as we may determine in our sole discretion; (p) jeopardizing the security of your User Account or any other users’ Account (such as allowing someone else to use your username and password to access the Services); (q) attempting, in any manner, to obtain the username, password, account, or other security information from any other user of the Services; (r) violating the security of any computer network or crack any passwords or security encryption codes; or (s) running Mail list, Listserv, any form of auto-responder or "spam," or any processes that run or are activated while you are not logged in to access the Services. You agree to indemnify and defend Grupi, its subsidiaries, officers, directors, employees, agents, successors, against all losses, actions, liabilities or damages or any loss of funds, fines, interest, awards, demands, judgements, fines, penalties, costs or expenses of whatever kind, including reasonable attorney’s fees, arising from the use of your Content. nts or contractors, or obtained from sources other than you.
INDEMNIFICATION
You agree to indemnify, hold harmless and reimburse Grupi, its affiliates, its agents, licensors, suppliers, contractors and third-party service providers, and their respective employees, members, officers and directors, (Collectively “Indemnified Parties”) from and against any and all claims, losses, suits, damages (actual and consequential), obligations, penalties, any losses arising out of the loss or theft of your User Information or your mobile device or from unauthorized or fraudulent transactions associated with your User Account, fines, liabilities, settlements, costs or debt, and expenses (including, without limitation, court costs and reasonable attorneys’ fees) (“Losses”) arising from or in any way related to any third-party claims relating to your use of the Services, violation of these Terms, applicable law or any third-party rights, or your fraud or willful misconduct. This defense and indemnification obligation will survive any termination of these Terms and your use of the Services.
SECURITY
We care about the integrity and security of your User Information. We have implemented commercially reasonable technical and organizational measures designed to secure your User Information from accidental loss and from unauthorized access, use, alteration or disclosure. However, you acknowledge and agree that despite our reasonable security measures, we cannot guarantee that electronic communications over the Internet will be 100% secure and that unauthorized third parties will never be able to defeat those measures or use your User Information for improper purposes. You also acknowledge that you are under no obligation to use the Services, and that you provide any personal or sensitive information in order to use the Services at your own risk.
LINK TO THIRD-PARTY WEBSITES
The Services may contain links to or connections which will transfer you to the websites of third parties, advertisers, special offers or other events or activities (collectively “Merchants”) that are not owned, controlled or operated by us or our third-party service providers. Grupi does not warrant, endorse, guarantee, or assume responsibility for any product or services advertised or offered by these Merchants through the Services or any hyperlinked website or services, and we will not be a party to or in any way monitor any transaction between you and these Merchants. You acknowledge that your dealings with these Merchants is solely at your own risk and all rules, policies (including privacy policies) and operating procedures of these Merchants will apply to you while on such sites. You agree that Grupi shall not be responsible for any loss or damage of any sort relating to your dealings with such Merchants. Furthermore, while Grupi strives to keep these links as current and accurate as possible, we cannot guarantee, and therefore we expressly do not warrant, that they point to the intended third-party website.
DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
You expressly understand and agree that the use of the Services and any materials or information provided by us or made available to you through the Services, is at your sole risk. The Services, including, but not limited to any third-party-provided information, software or services (“third-party services” or “third party”) made available through the services are, to the maximum extent permitted by applicable law, provided on an “as is,” and “as available” basis without any warranty of any kind. We and our third party expressly disclaim any and all warranties, conditions, and representations of any kind, as to the Services and all information, products, and other content included in or accessible from the Services, whether express, implied, statutory, or otherwise including, but not limited to any implied warranties of merchantability, fitness for a particular purpose and non-infringement. Without limiting the foregoing, we and our third-party service providers make no warranty that: (a) the services will be uninterrupted, timely, available at a particular time or location, secure, or error free; (b) the results that may be obtained from the use of the Services will be accurate or reliable; (c) the quality of any products, services, information or other material purchased or obtained by you through the Services will meet your expectations; (d) any error in the Services will be corrected immediately; (e) the Services (or any information or software contained therein) is free of viruses, worms, trojan horses, harmful components, or other code that manifest contaminating or destructive properties; (f) any content downloaded or otherwise obtained through the use of the Services is downloaded at your own risk and you will be solely responsible for any damage to your computer system or mobile device or loss of data or content that results from such download or your use of the Services; (g) oral or written information or advice obtained by you from us or our third-party service providers through or from the Services will create any warranty, representation or guarantee not expressly stated in these terms; and (h) we do not provide legal advice nor enter into any attorney-client relationship. You expressly understand and agree that, in no event shall Grupi be liable for any direct, indirect, punitive, incidental, special, consequential, exemplary or actual damages, including, without limitation, damages for loss of profits, loss of business, litigation, settlement costs, goodwill, use, data or other intangible losses, arising from or relating to the services; the use of, or inability to use the Services; or hacking, tampering or other unauthorized access or use of the services or your account or the information contained therein. To the maximum extent permitted by applicable law, Grupi assumes no liability or responsibility for any (a) errors, mistakes, or inaccuracies of content; (b) personal injury or property damage, of any nature whatsoever, resulting from your access to or use of the services; (c) any unauthorized access to or use of our secure servers or any and all user information stored therein; (d) any interruption or cessation of transmission to or from the services; (e) any bugs, viruses, trojan horses, or the like that may be transmitted to or through the services by any third party; or (f) any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Services. The limitation or exclusion of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if Grupi has been advised of the possibility of such damages. You agree that in any event and without limiting the generality of this section to the extent permitted by applicable law, the maximum collective liability of Grupi, if any, for all losses or damages shall not exceed the greater of N20,000 or the aggregate of the amount (if any) paid by you in the 3 months immediately preceding the bringing of a claim against us or our affiliates. Notwithstanding the foregoing, some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages so some of the above limitations may not apply to you. the foregoing provisions shall however apply, to the fullest extent permitted by law in the applicable jurisdiction.
INFORMATION ABOUT US
The Website contains information about us. While this information was believed to be accurate as of the date prepared, we disclaim any duty or obligation to update this information. Information about companies other than ours contained on the Website, should not be relied upon as being provided or endorsed by us.
BREACHES
If you breach these Terms or if we reasonably suspect that you have breached these Terms in any way, we may: (a) temporarily suspend your access to our Services; (b) permanently prohibit you from accessing our Services; (c) block computers using your IP address from accessing our Services; (d) contact any or all of your internet service providers and request that they block your access to our Services; (e) suspend or delete your account on our Website; and/or (f) commence legal action against you, whether for breach of contract or otherwise. Where we suspend, prohibit or block your access to our Services or a part of our Services, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a different account).
TERMINATION
You agree that to the extent permitted by applicable law, we may, in our sole discretion and without liability to you, terminate (or suspend access to) your use of the Services, Content, or your User Account for any reason, including, but not limited to, your breach of these Terms. You may terminate your use of our Services at any time upon notice to Grupi and in accordance with the Guidelines for each of our insurance products.
NOTICES
All notices to Grupi or you as the case may be, shall be in writing and shall be made either via email or conventional mail. In addition, Grupi may post notices or links to notices through its Services to inform you of changes to the Terms, the Services, or other matters of importance.
GENERAL
Governing Law.
These Terms are made under and will be governed by and construed in accordance with the laws of the Republic of Ghana, without giving effect to any principles that provide for the application of the law of another jurisdiction.
No Waiver.
The failure of Grupi to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
Severability:
If any provisions of the Terms are found by a court of competent jurisdiction to be invalid, the invalidity of such provision shall not affect the legality, enforceability or validity of the remaining provisions which shall remain in full force and effect.
International Visitors.
The Services are controlled and operated from our facilities in Ghana. Grupi makes no representations that the Services are appropriate or available for use in other locations. You may not use the Services if you are a resident of a country embargoed by Ghana, or are a foreign person or entity blocked or denied by the Ghanaian government. Unless otherwise explicitly stated, all materials found on the Services are solely directed to groups, individuals, companies, or other entities located in Ghana. By using the Services, you are consenting to have your personal data transferred to and processed in Ghana. Users who access or use the Services from jurisdictions outside of Ghana do so of their own volition and are entirely responsible for compliance with all applicable Laws.
Assignment.
Grupi expressly reserves the right to assign, delegate and transfer these Terms and its rights and obligations under these Terms in part or as a whole and including without limitation, to a subsidiary, affiliate, successor or any third-party whatsoever without your consent. You shall not transfer, assign or delegate these Terms, or your rights, obligations and User Account in any manner whatsoever under these Terms, to any person or entity without our prior written approval.
Entire Agreement.
These Terms together with our Privacy Policy, Guidelines and any other legal notices published by us, shall constitute the entire agreement between us and you with respect to the Website, the content, products or Services provided by us or through the Website. You hereby acknowledge and agree that you are not an employee, agent, partner or joint venture of Grupi, and
Additional Terms:
In conjunction with your access or use of the Services, you may be subject to additional terms, rules, policies, and conditions that are posted on the Website, including, but not limited to, terms and conditions for our referral or rewards programs (the “Additional Terms”), which are hereby incorporated by reference into these Terms. In the event of a conflict between any Additional Terms and these Terms, these Terms shall prevail.
CONTACT DETAILS
You may contact us via our email address info@grupi.co