TERMS AND CONDITIONS OF USE

1. "ICBL" and "ICB" are the trademarks and service marks of the
   Insurance Corporation of Barbados Limited.
2. Any other trademarks, service marks, products and brand
   names mentioned on this website are the property of their respective
   owners and are hereby so acknowledged.
3. The contents of this website with the exceptions of links
   to other web sites as well as the trademarks, service marks, products
   and brand names mentioned above are the property of ICBL.
4. ICBL, its employees or its agents are not responsible for
   any direct or indirect or consequential loss or damage arising from the
   use or mis-use or non-use of this website
   or the information contained on this website, howsoever caused or
   incurred.
5. Any information supplied on this website is subject to the
   written terms and conditions set out in ICBL's policy documents. The
   information on this website does not in any way constitute a policy
   document.
6. The information contained on this website is solely for
   your personal or informal use and may not be used for any other purpose
   whatsoever.
7. The information contained and quotes provided on this
   website are illustrative. This website provides general explanations of
   the types of coverage available. The types of coverage available
   and the prices of such coverage may change without notice to you. ICBL
   gives no warranty whatsoever that the types of coverage listed in its
   website are available or would be available to you.
8. The information on this website and the quotes provided do
   not constitute an offer or an invitation to treat. Submission of any
   information to this website does not constitute acceptance by
   ICBL to provide insurance coverage or to renew insurance coverage.
9. ICBL makes no warranties express, implied or otherwise, as
   to the usefulness or correctness of the information or material on this
   website.
10. ICBL reserves the right, without notice, to change any
    terms and/or conditions at anytime by simply updating this posting
    and/or the information on its website.
11. In the event of a conflict between the written terms and
    conditions of ICBL's policy document and the information, material or
    quotes appearing on this website, the written terms and conditions as
    set out in
    ICBL's current policy document shall prevail.
12. A binding quote can only be obtained by a formal proposal
    to ICBL through its employees and/or agents and approved by the Managing
    Director.
13. No communications should be submitted to the addresses
    found on this website except for the sole purpose for which
    communication has been invited. Hence no junk mail, bulk mail, chain
    letters, letters soliciting
    monetary donations or other forms of communications should be sent to
    the addresses found on this website.
14. Exploitation or modification of the material appearing on
    this website or any part thereof is strictly prohibited save and except
    with the express written permission first requested and obtained from
    ICBL.
15. Copying, reproducing or posting all or any part of the
    information and material including pictures of people, places or
    anything found on this website is strictly prohibited.
16. ICBL does not endorse and is not responsible for the
    contents or policies of other websites linked to its website.
17. Only ICBL acting in its sole discretion can determine if
    and/or when an insurance policy is to be issued.
18. By accessing or using this website you have agreed to the
    terms and/or conditions set out herein.