Governing Language

The governing language of these terms and all communication between MyCover.ai and you will be English language.

Who May Use Our Services?

You may use the Services only if you agree to form a binding contract with MyCover.ai and are not a person barred from receiving services under the laws of the applicable jurisdiction. You can also use our services if you are accepting these Terms and using the Services on behalf of a company, business, or organization, you represent and warrant that you are authorized to do so.

Intellectual Property

Unless otherwise stated, MyCover.ai owns the intellectual property rights and materials on the website. All text, formatting (including without limitation the arrangement of materials on the MyCover.ai website and the graphics, animation, tools, commercials, music, video, articles, sound, copy, trade names, logos and other materials and information on the website (collectively the "Content") are subject to the intellectual property rights of MyCover.ai and its affiliates. We do not grant you any right, license, title or interest to any of our intellectual Property rights which you may or may not have access to. These Content may not be copied, reverse engineered, decompiled, disassembled, modified or reposted to other websites. Nothing on the MyCover.ai site should be construed as granting by implication or otherwise, any license or right to use any Trademark displayed on the MyCover.ai website without the written permission of MyCover.ai or such third party that may own the Trademark. You agree to take such actions including any legal or official document or other documents that may be needed to further affirm our intellectual property rights.

Application License

All rights, titles, interest in and to Services including worldwide Intellectual Property Rights therein, are and will remain the exclusive property of MyCover.ai and its applicable licensors. We reserve all rights not expressly granted in and to the Services.

Using our Services does not give you ownership of any intellectual property rights in our Services or the Content you access (other than your User Content), which shall remain with us and our respective licensors. This is an agreement between you and MyCover.ai only. Your use of the features on the MyCover.ai mobile and web Application is subject to the Privacy Policy and User Agreement found at https://mycover.ai

Registering and Using MyCover.ai

MyCover.ai provides its application through mycover.ai . By visiting the website, a customer can download the app from the app-store, view billing information and manage subscription features.

MyCover.ai grants you the right to use this application only for your personal use on the mobile device that you own or control as permitted by any terms of use required by the party providing the app store from which you are downloading this application.

By registering for MyCover.ai services, you agree to provide only information that is accurate to the best of your knowledge. You also agree to update that information as it changes. You will also accept responsibility for creating and safeguarding a password that

Keeps your account information secure. You also agree to risks that are attached to the use of an online financial system and accept full responsibility to any account breaches that may occur as a result.

You may not modify, copy, publish, license or sell, re-engineer or otherwise commercialize this application or any information or software associated with this application. You must regularly check for and if available, update the Application software.

You must comply with applicable third-party terms of agreement when using this application (e.g. your wireless data service agreement or third-party services you rely on to use this application).

User Conduct

When you access MyCover.ai using a mobile device, we may collect and store sign-on data in connection with that device (including device ID) and geolocation data to provide our services. You understand and agree that MyCover.ai will collect and process your data, including your identity and location as part of this service. You agree to abide by and comply with the MyCover.ai User Agreement and Privacy Policy in using this Application. You agree that any registration information you give to us will always be true, accurate, correct, complete and up to date. Any mobile phone number used to register with the application needs to be registered in your name and you might be asked to provide supporting documents to prove the same. In case of any loss arising from your negligence to register and/or deregister your mobile phone number, MyCover.ai shall not be liable. The information you provided to MyCover.ai or otherwise obtained from the system will not be used for any unauthorized and unlawful purposes.

You agree not to access (or attempt to access) any of the Services by any means other than through the interface that is provided by MyCover.ai unless you have been specifically allowed to do so in a separate agreement with us.

You agree that you will not engage in any activity that interferes with or disrupts our Services (or the servers and networks which are connected to our services).

You agree that you are solely responsible for (and that MyCover.ai has no responsibility to you or any third party for) any breach of your obligations under the Terms and for the consequences (including any loss or damage which MyCover.ai may suffer) of any such breach.

You will not impersonate another person, including without limitation, a Holder or a Merchant.

You agree to the use of your data by MyCover.ai Privacy Policy.

All personal and contact information provided by you will be kept confidential by MyCover.ai. This includes your personal information given about your account creation and subsequent administration.

Information Security and Warranty Disclaimer

MyCover.ai will always ensure that the website is available at all times and bug free. However, it is used at your own risk. We provide all materials "as is" with no warranty, express or implied, of any kind. We expressly disclaim any and all warranties and conditions, including any implied warranty or condition of merchantability, fitness for a particular purpose, availability, security, title, and non-infringement of intellectual property rights, without limiting the generality of the foregoing, MyCover.ai makes no warranty that our website and services will meet your requirements or that our website will remain free from any interruption, bugs, inaccuracies, and error free.

Your use of our services are at your own risk and you alone will be responsible for any damage that results in loss of data or damage to your computer system. No advice or information, whether oral or written obtained by you from our website or our services will create any warranty or condition not expressly stated. You are responsible for configuring your information technology, computer programs and platform in order to access our Services. Please ensure you use your virus protection software or application as we cannot guarantee that our Services will be free from viruses or bugs.

You must not attempt to gain unauthorized access to our Services, computers or databases. You must not misuse our Services by introducing trojans, viruses or other materials which are malicious or technologically harmful.

Electronic Transmissions

By accepting the receipt of Electronic Transmissions, you voluntarily agree to have all records, including your current and future insurance related documents, provided to you in electronic form. Insurance related documents include, but are not limited to:

• Your insurance policy and all documents, notices and correspondence related to your insurance policy. This could include ID Cards, applications, amendments, endorsements, disclosures, and reports;
• Bills, billing notices, payment schedules or any other correspondence related to premium payments;
• Claim notices, disclosures, status letters, forms, and correspondence concerning a claim that arises under your policy or involves you as an insured and/or claimant;
• Legally mandated policies, notices, and disclosures to inform you of our business practices, including notices related to our collection, storage, use, and disclosure of your personal information; and
• Any other documents related to your insurance transactions with us.

We will use various methods to provide communications to you electronically, including via e-mail or through our website or app. For this second option, you may need to log-in to access the information.

This consent, unless withdrawn, applies to all transactions between you and MyCover.ai

Limitation of Liability

Your use of our MyCover.ai site and services is at your own risk. You agree to the limitation liability clause to the maximum extent permitted by applicable law: MyCover.ai will in no way be liable for any direct, indirect, incidental punitive, consequential, special or exemplary damages or any damages including damages resulting from revenue loss, profit loss, use, data, goodwill , business interruption or any other intangible losses (whether MyCover.ai has been advised of the possibility of such damages or not) arising out of MyCover.ai' website or services (including, without limitation to inability to use, or arising from the result of use of MyCover.ai' website or services) whether such damages are based on warranty, tort, contract, statute or any other legal theory.

Some jurisdictions do not allow exclusion of certain warranties or limitations on the scope and duration of such warranties, so the above disclaimers may not apply to you in their entireties, but will apply to the maximum extent permitted by applicable law.

Indemnification

You hereby indemnify MyCover.ai and undertake to keep MyCover.ai, its staff and affiliates indemnified against any losses, damages, costs, liabilities and expenses (including without limitation reasonable legal fees and expenses) arising out of any breach by you of any provision of these Terms, or arising out of any claim that you have breached any provision of these Terms. You will indemnify and hold MyCover.ai harmless from and against any claim, suit or proceedings brought against MyCover.ai arising from or in connection with violations of Intellectual Property or other rights of third parties in relation to your use of the Services.

Breaches of these Terms

Without prejudice to MyCover.ai' other rights under these Terms, if you breach these Terms in any way, MyCover.ai may take such action as MyCover.ai deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

Cookies

Like many other websites, we use cookies to identify you as a user and to customize and improve our services. A cookie is a small data file that is transferred to your computer or mobile device. It enables us to remember your account log-in information, IP addresses, web traffic, number of times you visit, date and time of visits. Some browsers may automatically accept cookies while some can be modified to decline cookies or alert you when a website wants to place a cookie on your computer. If you do choose to disable cookies, it may limit your ability to use our website.

Data Protection

MyCover.ai recognizes the importance of protecting the privacy of those who visit and choose to use the MyCover.ai Services. MyCover.ai remains compliant with the Payment Card Industry Data Security Standard (PCI/DSS) requirement to the extent applicable, through its Third party partner. Please note that such requirements may be amended from time to time. With respect to all the Personal Information belonging to, and/or processed in connection with MyCover.ai or this website, such Personal Information at all times are in compliance with all Data Protection Laws in the territory, in all respect and in particular the Nigeria Data Protection Regulation 2019 and all applicable data protection regulation in force. MyCover.ai maintains a Privacy Policy which provides an overview of the Personal Information we collect about you or that you provide to us and how we store and use the information provided by you in line with applicable Data protection legislations. By using the MyCover.ai Services, you consent to such processing and you commit to provide accurate information.

Governing Law

These Terms shall be interpreted and governed in accordance with the Laws of the Federal Republic of Nigeria and you submit to the non-exclusive jurisdiction of the Courts located in Nigeria for the resolution of any dispute.

Claims Submissions

No claim in respect of an insured owning an Auto Insurance policy shall be admitted by MyCover.ai unless MyCover.ai receives notice thereof within 1 (one) month after the date the incident occurred and receives the required documents shortly thereafter.

MyCover.ai may, at its sole discretion, consider a claim which is submitted after the 1-month period of grace. MyCover.ai reserves the right to ask for such evidence as it deems necessary. If you elect to report an insurance claim, the information you submit regarding your insurance policy and the loss is subject to review and verification. MyCover.ai reserves the right to request additional information prior to reaching a decision on the claim. A claim representative may be communicating with you regarding your claim. It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please send an email to partners@mycover.ai .

Consent and Authority to Obtain Information

In connection with any claim under your insurance policy, you consent to the release to us by third parties of any and all information and documents – whether or not confidential or non-public – that we deem pertinent to the claim, including but not limited to personally identifiable information, personal financial information, protected health information and any information you have provided to any law enforcement agency. You hereby authorize MyCover.ai as your representative for purposes of obtaining release to us of any such information from third parties. Any such information released to MyCover.ai will be held and used in accordance with our Privacy Policy.

Fraud

As a User, you shall not use our products or services in connection with any illegal or fraudulent business activities under any laws or regulations of any applicable jurisdiction.

Changes to the MyCover.ai Terms of Use

MyCover.ai reserves the right to change, revise or modify these Terms from time to time by updating this page. The changes will not be retroactive, and the most current version of the Terms which will always be on this page and will continue to govern our relationship with you. We will also try to notify you of any material changes which could be done via email associated with your account or service notification. By continuing to use our services after the changes become effective, you agree to be bound by the revised Terms.

General

These Terms supersedes and extinguishes all previous agreements between you and MyCover.ai whether written or oral, relating to its subject matter. In the event that any of these Terms is held to be invalid or unenforceable, then that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms will remain in full effect. MyCover.ai' failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

Complaints

If you have any complaints about us and our Services, you may contact us at partners@mycover.ai

Contact Us

MyCoverGenius Ltd
Email Address: partners@mycover.ai Address: 2nd floor, Providence house. Admiralty way, Lekki Phase One, Lagos, Nigeria