Last updated: 3/10/2024
Welcome to Southern Cross Assurance (“we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our website and any services provided by Southern Cross Assurance, including insurance products, claims processing, and customer support. By accessing our website or using our services, you agree to these Terms. Please read them carefully.
1. Acceptance of Terms
By using our website and services, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please refrain from using our services. We may update these Terms from time to time, and your continued use of our services constitutes acceptance of the revised Terms.
2. Eligibility
Our services are available only to individuals who are 18 years of age or older and legally capable of entering into binding contracts. By using our services, you represent that you meet these eligibility requirements.
3. Insurance Products
Southern Cross Assurance offers a range of insurance products, including but not limited to life insurance, health insurance, property insurance, and auto insurance. The terms and conditions specific to each insurance policy are outlined in the policy documents provided to you when you purchase coverage. In case of any conflict between these Terms and your insurance policy, the terms of the policy shall prevail.
4. Use of Our Website
You agree to use our website and services for lawful purposes only. You are prohibited from:
- Using our website to commit fraud or engage in illegal activities.
- Disrupting or interfering with the security or performance of our website.
- Attempting to gain unauthorized access to our systems or data.
- Uploading or transmitting viruses, malware, or harmful code.
We reserve the right to terminate or suspend access to our website or services if you violate these Terms.
5. Claims and Payments
Claims under any insurance policy issued by Southern Cross Assurance must be submitted in accordance with the claim submission guidelines provided with your policy. We reserve the right to request additional documentation or information to process your claim.
Payments for premiums, claims, or other services may be made through our website or by other authorized methods. By providing payment details, you warrant that you are authorized to use the payment method. Any failure to make timely payments may result in the cancellation or suspension of your policy.
6. Limitation of Liability
To the fullest extent permitted by law, Southern Cross Assurance, its directors, employees, and agents shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services, including but not limited to:
- Loss of profits, revenue, or data.
- Loss or damage resulting from errors, interruptions, or delays in the website or services.
- Claims related to the performance or non-performance of insurance policies.
Our total liability to you for any claims arising from or related to these Terms or the use of our services shall not exceed the amount you paid for the relevant policy or service.
7. Indemnification
You agree to indemnify, defend, and hold harmless Southern Cross Assurance, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses arising out of your use of our services or violation of these Terms.
8. Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is the intellectual property of Southern Cross Assurance or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute any content from our website without our express written permission.
9. Privacy
Your use of our website and services is subject to our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using our services, you consent to the collection and use of your information as described in the Privacy Policy.
10. Termination
We reserve the right to terminate or suspend your access to our website or services, with or without notice, if you violate these Terms or engage in unlawful conduct. Upon termination, all rights granted to you under these Terms will immediately cease.
11. Dispute Resolution
Any disputes arising from or related to these Terms or the use of our services shall be resolved through binding arbitration in accordance with the rules of [Arbitration Body], with the venue located in [Location]. Each party shall bear its own legal fees and expenses.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Country/State], without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in [City], [State/Country] for any legal proceedings arising from these Terms.
13. Changes to the Terms
Southern Cross Assurance reserves the right to modify or update these Terms at any time. We will post any changes on this page, and your continued use of our services after such changes have been posted constitutes your acceptance of the new Terms.
14. Contact Us
If you have any questions or concerns about these Terms, please contact us at:
Southern Cross Assurance
Email: info@scal.com.pg
Phone: (+675) 308 3400
Address: Monian Tower (Level 6), Douglass Street, Port Moresby, NCD
