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SAGICOR FINANCIAL CORPORATION

TERMS AND CONDITIONS OF USE OF WEB SITE

PRIVACY POLICY STATEMENT AND DISCLAIMER

The following terms and conditions apply to all users and viewers of this web site. By accessing or using this site, you agree to be bound by the terms and conditions of use outlined below. Please read this statement carefully before using this site. If you do not agree to these terms and conditions, exit this site now and do not use or access the site.

The information provided in this web site is intended to ensure your protection as well as that of Sagicor Financial Corporation, its subsidiaries and affiliates ("Sagicor"). All rights in the information, including but not limited to concepts, layout, ideas, logos and graphics, published in this web site remain the exclusive property of Sagicor. Information in this site may not be copied, reproduced, distributed, transmitted or in any way disseminated without the prior written consent of Sagicor. Information in this site is provided for lawful purposes only and may be changed at any time without notice.

Restrictions on Liability

Sagicor makes no representation concerning the accuracy or completeness of information or materials available in this site or any sites linked to this site. Links to other web sites shall not be construed as an endorsement, express or implied, of their content or site owners. Similarly, links from other web sites to this site should not be considered an endorsement of any kind by Sagicor.

The information contained in this web site is provided "as is" for general reference only, without warranties of any kind and is not intended to constitute legal, financial or other professional advice or services. While Sagicor has made reasonable efforts to ensure it has been obtained from reliable sources and is correct, we cannot warrant or guarantee its quality, accuracy, timeliness, or suitability for any particular purpose.

Sagicor expressly excludes any representation or warranty (express or implied), and disclaims any liability whatsoever for negligence, to the fullest extent possible under applicable law. Under no circumstances shall Sagicor be liable for any damages whatsoever, including but not limited to special, indirect, incidental, consequential and punitive damages, or loss or injury arising out of the use of, or access to, or in connection with, the information available in this site or the transmission of any virus or other harmful component or any transmission failure. You agree to indemnify Sagicor and not to hold Sagicor liable for the result (foreseeable or unforeseeable) of any actions you may take based on the material contained in this site.

Security

Whilst we have taken all reasonable steps to ensure that the information you provide will be kept secure from unauthorized access, the Internet is not a secure environment. We cannot guarantee that the information will be secure during transmission to our web-server.

Sagicor has enhanced the security of certain areas in this web site through the use of secure firewalls and Secure Sockets Layer (SSL) protocol with 56-bit encryption. By using this protocol, all information sent between your computer and our secure environment is encrypted or scrambled and cannot be read by unauthorized persons while in transit. Any information you download from this site is confidential and intended only for the addressee.

Privacy

Sagicor is committed to the highest level of personal and corporate ethical standards in the conduct of its business. We respect the privacy of individuals who visit this web site and are committed to protecting the confidentiality of personal and financial information. We do not collect information about our site's visitors except to track non-personal information such as the number of persons who visit our site and the web browser used. We will not use any personal information which you provide us through this site without your express permission and only for the purposes you have agreed to, except where required by law, to protect the interests of Sagicor or in the discharge of public duty.

Governing Law

You are granted access to this site conditional upon your agreement to accept the application of the laws of Barbados to govern all matters between us in relation to this web site. You agree to submit to the exclusive jurisdiction of Barbadian courts in relation to any claim or matter arising as a result of the use of, or access to, this web site.

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