Terms of Use

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These “Terms of Use” relate to how you use our website www.iva.life (hereinafter also referred to as the/this “Website”/“Site”) and any sub-domains and/or services that may be attached to it and any links we provide to other websites.

Please read the following terms of use carefully before using this Site (the “Terms”).

1. WHO WE ARE AND HOW TO CONTACT US

www.iva.life is a website operated by IVALIFE Insurance Limited (“we”; “us”; “our” or “IVALIFE”). We are registered in Malta under company number C 94404 and have our registered office at Gaba Building, Level 2, Naxxar Road, Iklin, IKL 9026, Malta

To contact us, please email us at [email protected] or telephone our customer service line on 2226 9500.

2. BY USING OUR SITE, YOU ACCEPT THESE TERMS

By using our Site, you confirm that you accept these Terms and that you agree to be legally bound by them, which shall take effect immediately upon your first use of the Website.

We therefore recommend that you take the time to familiarise yourself with the contents of these Terms, and that you print a copy for future reference.

If you do not agree to any of the Terms contained herein, you must exit and not use our Site.

You are responsible for ensuring that all persons who access our Site through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them in full.

3. THERE ARE OTHER TERMS THAT MAY APPLY TO YOU

These terms of use refer to the following additional terms, which also apply to your use of our Site:

  • Our Privacy Policy that can be accessed at www.iva.life, which sets out and describes our practices with regards to processing personal data which we collect through the Site; and
  • Our Cookie Policy https://www.iva.life/cookie-policy/, which sets out information about the cookies on our Site.

4. WE MAY MAKE CHANGES TO THESE TERMS

We may amend these Terms from time to time by posting notice of the changes online. Every time you wish to use the Site, please check these Terms to ensure you understand the terms that apply at that time and that you are aware of any changes which have been made by us.

These terms were mostly recently updated on 1st February 2021.

5. WE MAY MAKE CHANGES TO OUR SITE

We may update and change our Site from time to time to reflect changes to our products, our users’ needs and our business priorities.

6. INFORMATION ON THE SITE

The information available on this Website is not intended to provide professional advice and should not be relied upon as such.

The content on our Site is provided for general information purposes only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Viewers are advised to obtain appropriate professional advice where necessary.

This Website contains expressions of opinion, information, and material about current issues affecting the Maltese and international economic environment and financial markets that are subject to change without notice. We and our employees shall not be liable for any loss or damage arising as a result of your use of or reliance on such information.

Furthermore, although we make reasonable efforts to update the information on our Site, we make no representations, warranties or guarantees, whether express or implied, that the content on our Site is accurate, complete or up to date. Neither IVALIFE nor its staff shall be responsible for the accuracy of the information provided and the use of such information is at your sole discretion and risk. All of the products and services provided by IVALIFE are subject to the legislation in force in Malta. IVALIFE is licensed to undertake the business of insurance in terms of the Insurance Business Act and is under the supervision of the Malta Financial Services Authority (www.mfsa.mt).Furthermore, IVALIFE is authorised to carry on business of insurance in Malta restricted to commitments where Malta is the country of the commitment.

Decisions to subscribe to any investment product mentioned on this Website, should be made only on the basis of the information contained in the product prospectus and/or brochure and/or any other product related documentation on the site. These are available from authorised Tied Insurance Intermediaries of IVALIFE, Insurance Agents, Brokers and the IVALIFE website. Nothing on this Website should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment, product or service or to engage in any other transaction, or to provide any investment advice or service. Moreover, nothing contained on this Website constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision.

Members of IVALIFE and/or officers, directors and employees may have positions in any securities mentioned in this Website (and any related investment) and may from time to time add to or dispose of any such securities or investments.

All products and services offered on this Website are subject to the general and specific terms and conditions of use, printed copies of which may be obtained from any authorised Tied Insurance Intermediary, Insurance Agents, Broker or the IVALIFE website which should be read by anybody who intends to subscribe to them.

Persons accessing these pages from jurisdictions other than Malta should be aware that their local legislation may restrict their eligibility to some or all of the products and services promoted on this Website. Such products and services are offered only in jurisdictions where and when they may be lawfully offered by IVALIFE and the material on these pages is not intended for use by persons located in or resident in jurisdictions which restrict the distribution of this material by us. They are therefore required to inform themselves about and observe any relevant restrictions.

7. INFORMATION FROM THIRD PARTIES

Where our Site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

IVALIFE may include reports from third parties, maintain relationships with issuing bodies, negotiate securities or other investments, hold positions in these companies, act as a market maker or support the business of the companies mentioned in a publication or report of analysis. IVALIFE accepts no liability whatsoever for any loss, direct or induced, because of the use of these publications or reports of analysis. Likewise, such publications, report or analysis may not be reproduced, distributed or published for any purpose by any recipient. IVALIFE does not necessarily agree with the content of such third-party material. In addition, IVALIFE accepts no responsibility or liability for the accuracy of such material.

No third party is permitted to link to this Website or any part of it without obtaining the prior written consent of the duly authorised representative/s of IVALIFE.

IVALIFE reserves the right to modify, suspend or discontinue, temporarily or permanently, this Website or any part of it or any service that may be provided through it, with or without notice, at any time. You agree that IVALIFE shall not be liable to you or to any third party for any such modification, suspension or discontinuance of this Website.

8. SCAM EMAILS

While IVALIFE may from time to time send emails to its current and prospective customers, we will never ask you to disclose any of your personal or security details by email.

Where possible, we will include certain basic information about you in any email correspondence in order to confirm the genuineness thereof.

In the event that you receive emails that purport to originate from IVALIFE asking you to disclose all or some of your security information, you are strongly advised not to disclose any such information or to click on any links included in such emails.

If you receive an email from any person purporting to be from or connected with IVALIFE and asking you to ‘verify your account’, ‘confirm your sign-in details’, or a similarly worded request, this would certainly be a scam and you are strongly advised not to follow any such instructions/requests.

Your attention is drawn to the fact that while genuine emails from IVALIFE may contain links, these will never take you directly to a log-in page.

If you are ever in doubt about whether an email is genuine, do not click on its links or open any attachments, but please forward it to us at [email protected] While we will not be able to reply individually, kindly be assured that we do investigate every email to make sure that the appropriate authorities are informed of any misuse of the internet and that the necessary action is taken whenever necessary.

9. NO WARRANTY

You acknowledge that the Site has not been designed or developed to meet your particular, individual needs. Therefore, to the maximum permitted under applicable law, you accept that the Site is strictly being made available to you “AS IS” and “AS AVAILABLE”, with all faults and without warranty of any kind.

We hereby disclaim all warranties and conditions with respect to the Site, whether express, implied or statutory, including, but not limited to, warranties relating to their performance, quality and merchantability or their fitness for a particular purpose or their non-infringement of third party rights.

You also acknowledge that we do not warrant against interference with your enjoyment of the Site, that the functions contained in, or services performed or provided by the Site will meet your requirements and/or achieve the intended results, that the operation of the Site will be uninterrupted or error-free, that the Site will be compatible or work with any third-party software, applications or third-party services, or that Site will be corrected.

Furthermore, you also acknowledge and accept the risk that the use of the Site may affect the usability of third party software or applications, and that the entire risk as to its quality and performance lies solely with you.

No oral or written information or advice that may be furnished by us or any of our authorised representatives shall, under any circumstance, be construed as a departure or deviation from the above disclaimers.

10. WE MAY SUSPEND OR WITHDRAW OUR SITE

We do not guarantee that our Site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal, but have no obligation to do so.

11. OUR RESPONSIBILITY FOR ANY LOSS OR DAMAGE SUFFERED BY YOU IN CONNECTION WITH YOUR USE OF THE SITE

WHETHER YOU ARE A CONSUMER OR A BUSINESS USER:

  • We do not exclude or limit in any way our liability to you where it would be unlawful to do so.
  • Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products to you, which will be set out in our terms and conditions of supply as made available to you at time of order or purchase.

IF YOU ARE A BUSINESS USER:

  • We exclude all implied conditions, warranties, representations or other terms that may apply to our Site or any content on it.
  • We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

i. use of, or inability to use, our site; or
ii. use of or reliance on any content displayed on our site.

In particular, we will not be liable for:

i. loss of profits, sales, business, or revenue;
ii. business interruption;
iii. loss of anticipated savings;
iv. loss of business opportunity, goodwill or reputation; or
v. any indirect or consequential loss or damage.

IF YOU ARE A CONSUMER USER:

  • Please note that we only provide our Site for domestic and private use. You agree not to use our Site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
  • If any defective digital content that we have supplied to you, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation.

12. INDUSTRIAL PROPERTY AND COPYRIGHT

This Website is the property of IVALIFE. The copyrights and operating and reproduction rights of this Website, its pages, screens, the information they contain, their appearance and design and the hyperlinks from it to other websites of any company belonging to the same group of companies of which IVALIFE forms part are the exclusive property of IVALIFE, unless otherwise specified. All the names, designs and/or logotypes which comprise this website are duly registered trademarks. Any undue use thereof by a person other than their legitimate owner may be prosecuted in accordance with current legislation. The copyrights and trademark rights of third parties are suitably highlighted and must be respected by anyone accessing this website. The contents may be downloaded and any page on this Website copied or printed for personal and private use only. It is prohibited to reproduce, transmit, modify or delete the information, content or notices on this Website without the prior written authorisation of IVALIFE.

13. WHICH COUNTRY’S LAWS APPLY TO ANY DISPUTES?

If you are a consumer, please note that these Terms, their subject matter and their formation, are governed by Maltese law. You and we both agree that the courts of Malta shall have exclusive jurisdiction to settle and decide any and all disputes (whether contractual or non-contractual) arising from these Terms and/or your use of the Site.

If you are a business user, these Terms, their subject matter and their formation (and any non-contractual disputes or claims) are governed by Maltese law. You and we both agree that the courts of Malta shall have exclusive jurisdiction to settle and decide any and all disputes (whether contractual or non-contractual) arising from these Terms and/or your use of the Site.

COMPANY INFORMATION

IVALIFE Insurance Limited is registered in Malta (no. C 94404) with its registered office: Gaba Building, Level 2, Naxxar Road, Iklin, IKL9026, Malta.