TERMS OF USE

Here's what you need to know when using our website quantuminsurance.com

Who we are and how to contact us

Quantum Insurance Ltd (‘Quantum Insurance/We’) is a General Insurance Business licensed and registered in Mauritius BRN:C14126016 with its registered office at:

1st Floor HSBC Centre,
18 Bank Street, Ebène Business Park,
Ebène 72201,
Mauritius.

If you have any questions about how we process your personal data and information, please get in touch with us at:
Quantum Insurance Ltd, 1st Floor HSBC Centre,18 Bank Street, Ebène Business Park, Ebène 72201
or
email us at: info@quantuminsurance.com

You can also contact our Data Controller: Data Controller, Quantum Insurance Ltd, 1st Floor HSBC Centre,18 Bank Street, Ebène Business Park, Ebène 72201
or via email at datacontroller@quantuminsurance.com

Your Agreement

The terms and conditions, notices and disclaimers contained on our website (known collectively as the "Terms of Use") govern your access and use of the Quantum Insurance Website found at www.quantuminsurance.com and includes any quotations, renewals, policy endorsements and claims services accessible from this website ("our website").

By using our website, you agree to subscribe, accept and comply to our Terms of Use.

Please note that any insurance products you purchase online has its own terms and conditions that are found in the Policy wordings and any applicable Policy Summary.

For online purchases, please consult the Policy wordings and any applicable Policy Summary documents found on this website. Please contact Quantum Insurance Ltd for a copy of the relevant Policy wordings and any applicable Policy Summary documents for purchases that are not made online.

Note that specific terms and conditions apply to any products purchased from Quantum Insurance Ltd (“Quantum Insurance”).

Ownership of the Website

Our Website and its contents (including all information, data, text, graphics, images, software, cookies, advertisements and other material on our website ("Content") are the property of Quantum Insurance Limited ("Quantum Insurance") and are subject to copyright under Mauritian law and through international treaties with other countries.

Any unauthorized use of this Content is prohibited.

Nothing on our website should be construed as granting any licence or right to use any name, logo or trademark without the express prior permission of Quantum Insurance.

Copyright, trademark and website content

All copyright, trademarks and other intellectual property rights in the material or content on our website belong to Quantum Insurance Limited. You can only download material from this website for your own use and to apply for our products. You won't have any right, title or interest in any material you download.

You can’t use the material and content on our website in any other way. You agree not to copy, reproduce, transmit, download, frame, publish, display, distribute, commercially exploit or create anything using this material, unless we give you permission in writing beforehand.

Information on Website

The information provided on this website is of a general nature and is subject to change at any time and without prior notice.

Quantum Insurance accepts no responsibility for any loss, expense or liability which you may incur from using or relying on the contents.

Any legal rights and obligations which Quantum Insurance and you may have will be contained in the terms and conditions of the contract and policy issued to you or available on our website when you buy your policy online.

Use of Quantum Insurance website

You must not use our website in any manner or for any purpose that is unlawful or otherwise violates the rights of Quantum Insurance, or that is prohibited by the Terms of Use.

We can change or withdraw (temporarily or permanently) our website or any part of it at any time without giving you notice. We won't be liable to you in any way if we do this. We may change these terms without telling you.

We'll publish any changes we make on our website, so please check from time to time to make sure you've seen the latest version of our terms.

If you continue to use our website after we’ve posted changes to our terms, we'll take it that you have accepted the revised terms.

We may refuse to process a transaction at any time and for any reason. We won't be liable to you or any third party if we do this.

We may monitor information that's sent to our website.

We will capture your IP Address to help us monitor and enhance your experience when using our websites.

Quantum Insurance has no obligation to monitor any use of our website. However, Quantum Insurance reserves the right to monitor any use of our website and to edit, refuse to post or remove any Content whatsoever.

Quantum Insurance reserves the right to cooperate fully with any law enforcement authority in any jurisdiction in respect of any lawful direction or request to disclose the identity or other information in respect of any user of our website.

Online Transactions

Quantum Insurance will provide an electronic quote based on the information you enter. This will constitute Quantum Insurance offer to you.

The product/service you order must not be for commercial resale.

Quantum Insurance reserves the right to reject any order it receives for any reason and orders are not binding on Quantum Insurance until acceptance. You will be bound by the Terms of Use operating at the time you place your order.

A binding contract will only come into place when Quantum Insurance receives your acceptance of the offer, accepts the order by displaying a confirmation of payment or acceptance of your order on your screen and also receives clear payment of the premium when a debit is made against the credit/debit card or account nominated by you in the quote process.

You should then receive a unique reference number. Please note that a binding contract is still in place even if you do not for some reason receive this unique reference number upon completion of the online transaction.

Please contact us on 659 0659 if you do not receive a unique reference number.

Please note that Quantum Insurance will treat all electronic instructions received online as valid and authentic.

Payments Online

You are currently able to make payments online for:

  1. new business
  2. renewals of your policy
  3. endorsements or changes to your policy

If you are paying a renewal premium online, your new policy will only be in place when Quantum Insurance:

  1. receives electronically all details of the payment, including method of payment and correct policy details; and
  2. receives clear payment via your credit card or nominated account; and
  3. a record of the transaction is generated in the Quantum Insurance system and a receipt number issued for the payment.

Pricing and Availability

All prices are in Mauritius Rupees and are valid only for policies issued from Quantum Insurance Ltd.

Quantum Insurance reserves the right to correct pricing errors at any time. Quantum Insurance is not liable for any loss or damage whatsoever from failure to deliver or delay in delivery of products/services.

Disclaimer

Quantum Insurance, and its directors and employees, does not warrant that your access to our website will be uninterrupted or that our website will operate error free, that any defects will be corrected or that our website and its servers are free of computer viruses and other harmful data, code, components or other material;

Quantum Insurance, and its directors and employees, does not warrant that it will be able to prevent any illegal, harmful or inappropriate use, modification or alteration of our website, or that it will give notice of such use, modification or alteration;

Quantum Insurance, and its directors and employees, does not warrant or make any representations about the correctness, accuracy, timeliness, completeness, reliability, quality or otherwise of the content (including descriptions of any goods/services). The use of our website and the Content is at your own risk. Changes are periodically made to our website and may be made at any time.

Limitation of liability

To the fullest extent permitted by law Quantum Insurance liability in case of services supplied is limited at the option of Quantum Insurance to -

The supply of the services again; or
The payment of the cost of having services supplied again.

Privacy

You agree that you have read Quantum Insurance Privacy Policy and agree that those terms form part of the Terms of Use. You accept that if you transact online or provide your personal information via our Website that it will be dealt with in accordance with the Quantum Insurance Privacy Policy. All information and data provided by you will be handled in accordance with our Privacy Policy and Cookies Policy.

Registered / ‘My Account’ Users

If you have not registered, you must not attempt to access any part of the site reserved for registered/ ‘My account’ users. Services made available in those sections are not accessible and available to you unless you are a registered user with a valid Login and password credentials.

Cookies

We use cookies to enhance your online experience and help us understand how our website can be improved. We don’t store any contact details or banking information and we’ll only remember your last visit. If you want to find out more or stop us from using cookies, please see our Cookies Policy on our website for more information.

Your Indemnity to Quantum Insurance

You will indemnify Quantum Insurance for any liability incurred by Quantum Insurance for any loss, costs, liabilities, damages or other expenses howsoever incurred by Quantum Insurance in connection with, or arising directly or indirectly as a result of, your breach of these Terms of Use.

Termination

Quantum Insurance may terminate your access to our website at any time without notice to you. If you violate any Terms of Use your right to use and access our website automatically terminates.

Quantum Insurance may also change the terms and conditions contained on this site at any time. Your continued access to and/or use of our website constitutes an agreement by you that you accept and agree to abide and be bound by the terms of use and any amendments.

Taxes

Charges referred to for use of any product or services provided by Quantum Insurance are inclusive of all taxes (if applicable).

Age Limits

If you place an order via our website, you warrant to Quantum Insurance that you are 18 or more years of age and that you are authorised and able to make payment in the manner stipulated by you.

Applicable Law

All disputes arising out of this Agreement shall be dealt with in accordance with the laws of Mauritius. You irrevocably and unconditionally submit to the exclusive jurisdiction of the courts of Mauritius.

Miscellaneous

The information on our website applies to residents of Mauritius and its dependencies only.

You'll find more details about this in individual products.

We won't be liable to you if we can't carry out our obligations to you because of circumstances beyond our control.

If any provision of the Terms of Use is found to be invalid or unenforceable by a court of law, such invalidity or unenforceability will not affect the remainder of the Terms of Use which will continue in full force and effect. All rights not expressly granted are reserved.

Changes

We may change this information from time to time. Any changes will be updated on our website and if appropriate notified to you in writing

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