• All personal information submitted via the NICO Life website will be treated as confidential. Personal information is all information that is personal to you and that you provide us with over the website.

• This means that if you submit any information via this website the information will only be used by NICO Life and will not be passed on to any third party unless we are permitted or required to do so by law or unless you specifically authorize us to do so.

• Information submitted via this website may not be 100% secure, unless submitted via a secure connection.

• Due to the nature of the internet, it is not possible to guarantee that information is secure. At NICO Life we do however take reasonable steps to protect your personal information from loss, misuse or unauthorized alteration.

• NICO Life would like to assure you that we strive to maintain a safe and comfortable browsing experience with minimum risks to you.

NICO Life's Legal Disclaimer

• The information contained on this website is intended to be, but is not guaranteed to be, complete, correct and up to date. This information is made available without any representation or warranty, either express or implied. NICO Life accepts no responsibility as to the suitability or accuracy of any information on this website. NICO Life accepts no responsibility for any errors or omissions on this website.

• The information and content on this website are subject to change without notice.

• NICO Life may, in its sole discretion, at any time, suspend or terminate the operation of this website or any products or services provided on this website, without prior notice.

• The cover afforded in terms of information on this website is subject to the terms and conditions found in the Policy of Insurance.

• Copyright in respect of all works found on the website and which have been created and developed by NICO Life or on instruction for NICO Life shall vest in NICO Life.

• Any trademarks registered by NICO Life, belong to NICO Life. These trademarks may not be copied, transmitted or used by any one else unless expressly permitted by NICO Life.

• Any reference to or use of a product, service or process of a third party does not imply recommendation, approval or affiliation to the product, service or process by NICO Life.

• NICO Life accepts no liability whatsoever for any loss, whether direct, indirect or consequential arising from information made available on these pages and for any actions or transactions resulting therefrom.

• Use of the website and any actions arising therefrom shall be governed in all respects by the laws of the Republic of Malawi. By using this website the user consents to the jurisdiction of the courts of Malawi in respect of all disputes.