Terms & Conditions

1. Acknowledgment

You hereby agree to be bound by these Terms of Use, including all information, tools, additional terms and conditions, and policies referenced herein and/or available on the Website. If you do not agree with these Terms of Use or any part thereof, we strongly recommend that you do not access the Website.

2. Right to Amend the Terms of Use

The Company reserves the right to change or modify the Website and these Terms of Use at any time without notice, except for updating the “Last updated” date. If you continue using the Website after an update, it will mean that you consent to the new Terms of Use, which go into effect immediately following their publication on this page. It is your responsibility to periodically check this page for updates.

3. Privacy Policy

“User Personal Information” is any information about one of our users which could, alone or together with other information, personally identify them or otherwise be reasonably linked or connected with them. Information such as an email address, a real name, an Internet protocol (IP) address and a photograph are examples of User Personal Information. User Personal Information does not include aggregated, non-personally-identifying information that does not identify a user or cannot otherwise be reasonably linked or connected with them. We may use such aggregated, non-personally-identifying information for research purposes and to operate, analyze, improve and optimize the Website and the Services.

Our use of your personal information is governed by our Privacy Policy, which explains how we collect and use your personal information. By using the Website, you agree to the collection and use of this information as set out in the Privacy Policy.

4. Intellectual Property Rights

Unless otherwise explicitly provided, we own this Website, including its source code, all information, products, pictures, designs, data, website designs, audio, video, text and graphics on the Website (collectively, the “Content”), and the trademarks, service marks and logos contained therein, including PetherInsure, PolicyHub, MedServe, SelfService, MyCare, MedLine and Enrollio (the “Marks”), which are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and other intellectual property laws in force in Cameroon and in the other applicable jurisdictions.

Except as expressly provided in these Terms of Use, no part of the Website and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission. You are granted a limited license to access and use the Website and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Website, the Content and the Marks.

5. Product and Service Information

The descriptions of products and services published on the Website are provided for information purposes. The product interfaces shown on the Website are illustrations; the names and figures they contain are fictional. The Company may make improvements or changes to any of its content, products or services described on the Website at any time without notice.

We reserve the right, with no obligation, to limit the availability of our products or services to any person, geographical region or jurisdiction, on a case-by-case basis and at our sole discretion, and to discontinue any product or service at any time. Any offer for any product or service made on the Website is void where prohibited. You agree to inform us if you find any descriptive mistakes or inconsistencies on the Website.

6. Messages, Ideas and Feedback

Any creative idea, suggestion, proposal, plan or other material you send to us, whether through the Website’s contact form, by email, by postal mail or otherwise, may be used by the Company. You grant the Company a royalty-free, perpetual, irrevocable and non-exclusive license to use, reproduce, change, publish, distribute, perform and display such material. We will pay no compensation to you or any other person or entity for the use of such material, and the Company holds no obligation of confidentiality concerning unsolicited ideas.

You warrant that you are entitled to send us such material, that it is accurate, that its use does not violate these Terms of Use and in particular Section 8 (Acceptable Use), and that it will not cause injury to any person or entity. This section does not apply to the personal information you send us, which is handled in accordance with our Privacy Policy.

7. Third-party Links, Products or Services

While using the Website, you may find links to third-party websites not operated by us, such as the App Store, Google Play or our appointment booking page. These links are provided for your convenience and may not be taken as our affiliates or as an endorsement of the content represented therein. We do not hold any control over these websites, their policies, data protection and privacy; therefore, we are not responsible for their contents, policies or privacy. Access to any website linked to this Website is at your own risk and discretion. When leaving the Website, you should carefully review the applicable terms and policies of the third-party website, including its privacy and data collection practices.

8. Acceptable Use

You agree to use the Website and its Content in accordance with all applicable laws and regulations. In addition, you commit that your use of the Website or its Content shall not be made in any manner that:

• Is unlawful, harmful to minors, threatening, abusive, defamatory, disparaging, slanderous, obscene, indecent, invasive of another’s privacy, or racially, ethnically or otherwise offensive or hateful;
• Violates someone else’s patent, copyright, trade secret, trademark, or other intellectual property or other rights;
• Removes any proprietary notices or labels on the Content;
• Provokes violence, criminal conduct, or the infringing of any local, state, national or international law or the rights of any third party;
• Specifically advertises firearms or ammunition, tobacco, alcohol, illegal drugs or other contraband;
• Interferes with others using the Website;
• Disrupts, interferes with or inhibits any other user from enjoying the Website or other affiliated or linked websites, material, contents, products and/or services;
• Uses any robot, spider or other programmatic or automatic device to obtain information from the Website or otherwise monitor or copy any portion of the Website, products and/or services;
• Creates a false identity for the purpose of misleading others;
• Prepares, compiles, uses, downloads or otherwise copies any user information and/or usage information, or transmits, provides or otherwise distributes (whether or not for a fee) such information to any third party;
• Uses any PetherInsure, Pether or Laureal domain name as a pseudonymous return email address;
• Reproduces, duplicates, copies, sells, trades, resells or exploits for any commercial purpose any portion of the Website or its Content, the use of the Website, or access to the Website;
• Publishes, publicly performs or displays, or distributes to any third party any Content, including reproduction on any computer network or broadcast or publication media;
• Systematically collects and uses any Content, including by data mining or similar data gathering and extraction methods;
• Makes derivative uses of the Website or the Content;
• Modifies, translates, decompiles, disassembles, reverse engineers or otherwise attempts to derive the source code of the computer systems and other technology that operate the Website. For the purposes of these Terms, “reverse engineering” includes the examination or analysis of the Website to determine the source code, structure, organization, internal design, algorithms or encryption devices of its underlying technology.

9. Disclaimer of Warranties

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

• YOUR USE OF THE WEBSITE, INCLUDING ANY CONTENT OR INFORMATION CONTAINED THEREIN AND ANY WEBSITE-RELATED SERVICE PROVIDED TO YOU, IS AT YOUR SOLE RISK. THE WEBSITE, INCLUDING ANY CONTENT OR INFORMATION CONTAINED WITHIN IT AND ANY WEBSITE-RELATED SERVICE, IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. PETHER SOLUTIONS CORPORATION, LAUREAL CORPORATION AND THEIR LICENSORS AND OTHER RELATED PARTIES, AND THEIR RESPECTIVE OFFICERS, AGENTS, REPRESENTATIVES AND EMPLOYEES, EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY OF DATA AND NON-INFRINGEMENT. BECAUSE SOME JURISDICTIONS MAY NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, SOME OF THESE EXCLUSIONS MAY NOT APPLY TO YOU.
• PETHER SOLUTIONS CORPORATION, LAUREAL CORPORATION AND THEIR SUPPLIERS, LICENSORS AND OTHER RELATED PARTIES, AND THEIR RESPECTIVE OFFICERS, AGENTS, REPRESENTATIVES AND EMPLOYEES, MAKE NO WARRANTY THAT: THE WEBSITE WILL MEET YOUR REQUIREMENTS; MATERIALS OR CONTENT AVAILABLE FOR DOWNLOAD FROM THE WEBSITE ARE FREE OF INFECTION OR VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MANIFESTS CONTAMINATING OR DESTRUCTIVE PROPERTIES; THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE (INCLUDING FREE FROM UNAUTHORIZED ACCESS), PROVIDE CONTINUOUS STORAGE OR ACCESS, OR BE ERROR-FREE; THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE WILL BE ACCURATE, COMPLETE OR RELIABLE; THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL OBTAINED THROUGH THE WEBSITE WILL MEET YOUR EXPECTATIONS; OR ANY ERRORS IN THE WEBSITE WILL BE CORRECTED.

10. Indemnification

You agree to indemnify, defend and hold harmless the Company and its underlying content and service providers, licensors and suppliers, and each of their respective subsidiaries, affiliates, officers, agents and employees, from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, made by any third party due to or arising out of any material you submit to or transmit through the Website, your use of the Website, your connection to the Website, your violation of these Terms of Use, or your violation of any law or the rights of another. These obligations will survive any termination of your relationship with the Company or your use of the Website.

11. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the Republic of Cameroon.

12. Confidentiality

You agree that all non-public information to which you are given access as part of these Terms and in connection with our services is confidential and proprietary to the Company. You may use the Company’s Confidential Information only as necessary in exercising your rights granted under these Terms. You agree not to disclose the Company’s Confidential Information without obtaining the prior written consent of the Company, and to protect it from unauthorized use, access or disclosure in the same manner that you would protect your own confidential and proprietary information of a similar nature, and in any event with no less than a reasonable degree of care.

13. Entire Agreement

These Terms of Use and any policies or operating rules posted by us on the Website constitute the entire agreement and understanding between you and us regarding the Website, and govern your use of the Website, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of these Terms of Use). Any ambiguities in the interpretation of these Terms of Use shall not be construed against the drafting party.

14. Interpretation, Severability and Reformation

Whenever possible, each provision of these Terms of Use shall be interpreted in such a manner as to be valid and effective under applicable law. If any provision of these Terms of Use is unlawful, void or for any reason unenforceable, it shall be deemed separable from, and shall in no way affect the validity or enforceability of, the remaining provisions, and the rights and obligations of the parties shall be enforced to the fullest extent possible.

15. Execution in Counterparts

These Terms of Use may be executed in any number of counterparts, each of which shall be deemed an original, but all of which shall constitute one and the same instrument.

16. Survival

To the extent consistent with these Terms of Use, all representations, warranties and post-termination obligations contained herein shall survive the expiration or termination of these Terms of Use.

17. Waiver

Our failure to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision. A waiver by us of any default will not constitute a waiver of any subsequent default. No waiver by us is effective unless it is communicated to you in writing.

18. Termination

The Company shall have the right to immediately terminate this agreement with you and your use of the Website if it determines, in its sole discretion, that you have breached any of these Terms of Use or otherwise engaged in conduct which the Company determines, in its sole discretion, to be unacceptable. Any termination of this agreement shall not affect the respective rights and obligations of the parties arising before the date of termination. You furthermore agree that the Company shall not be liable to you or to any other person as a result of any such suspension or termination. If you are dissatisfied with the Website or with any terms, conditions, rules, policies, guidelines or practices of the Company in operating the Website, your sole and exclusive remedy is to discontinue using the Website.

19. Contact Information

For any question about these Terms of Use, contact us: