DISCLAIMER & PRIVACY POLICY

TERMS AND CONDITIONS

In using this website you are deemed to have read and agreed to the following terms and conditions:

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We” and “Us”, refers to Pangea-Risk (legacy EXX Africa). “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing English Law. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.

DISCLAIMER

Exclusions and Limitations

The information on this web site is provided on an “as is” basis.

To the fullest extent permitted by law, Pangea-Risk (legacy EXX Africa):

• excludes all representations and warranties relating to this website and its contents or which is or may be provided by any affiliates or any other third party, including in relation to any inaccuracies or omissions in this website and/or Pangea-Risk (legacy EXX Africa)’s literature; and
• excludes all liability for damages arising out of or in connection with your use of this website. This includes, without limitation, direct loss, loss of business or profits (whether or not the loss of such profits was foreseeable, arose in the normal course of things or you have advised Pangea-Risk (legacy EXX Africa) of the possibility of such potential loss), damage caused to your computer, computer software, systems and programs and the data thereon or any other direct or indirect, consequential and incidental damages.
• Pangea-Risk (legacy EXX Africa) does not however exclude liability for death or personal injury caused by its negligence. The above exclusions and limitations apply only to the extent permitted by law. None of your statutory rights as a consumer are affected.

Availability

Redistribution or republication of any part of this site or its content is prohibited, including such by framing or other similar or any other means, without the express written consent of Pangea-Risk (legacy EXX Africa). Pangea-Risk (legacy EXX Africa) does not warrant that the service from this site will be uninterrupted, timely or error free, although it is provided to the best ability. By using this service you thereby indemnify Pangea-Risk (legacy EXX Africa), its employees, agents and affiliates against any loss or damage, in whatever manner, howsoever caused.

Log Files

We use IP addresses to analyse trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. Additionally, for systems administration, detecting usage patterns and troubleshooting purposes, our web servers automatically log standard access information including browser type, access times/open mail, URL requested, and referral URL. This information is not shared with third parties and is used only within Pangea-Risk (legacy EXX Africa) on a need-to-know basis. Any individually identifiable information related to this data will never be used in any way different to that stated above without your explicit permission.

Cookies

Like most interactive web sites, the Pangea-Risk (legacy EXX Africa) website uses cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate partners may also use cookies.

Links to this website

You may not create a link to any page of this website without our prior written consent. If you do create a link to a page of this website you do so at your own risk and the exclusions and limitations set out above will apply to your use of this website by linking to it.

Links from this website

We do not monitor or review the content of other party’s websites which are linked to from this website. Opinions expressed or material appearing on such websites are not necessarily shared or endorsed by us and should not be regarded as the publisher of such opinions or material. Please be aware that we are not responsible for the privacy practices, or content, of these sites. We encourage our users to be aware when they leave our site and to read the privacy statements of these sites. You should evaluate the security and trustworthiness of any other site connected to this site or accessed through this site yourself, before disclosing any personal information to them. Pangea-Risk (legacy EXX Africa) will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of personal information.

Copyright Notice

Copyright and other relevant intellectual property rights exist on all text relating to Pangea-Risk (legacy EXX Africa)’s services and the full content of this website.

Communication

We have several different e-mail addresses for different queries. These, and other contact information, can be found on our Contact Us link on our website or via Company literature or via the Company’s stated telephone, fax or mobile telephone numbers.

Disclaimer

Failure of either Party to insist upon strict performance of any provision of this or any Agreement or the failure of either Party to exercise any right or remedy to which it, he or they are entitled hereunder shall not constitute a waiver thereof and shall not cause a diminution of the obligations under this or any Agreement. No waiver of any of the provisions of this or any Agreement shall be effective unless it is expressly stated to be such and signed by both Parties.

General

By accessing this website you consent to these terms and conditions. If any of these terms are deemed invalid or unenforceable for any reason (including, but not limited to the exclusions and limitations set out above), then the invalid or unenforceable provision will be severed from these terms and the remaining terms will continue to apply. Failure of Pangea-Risk (legacy EXX Africa) to enforce any of the provisions set out in these Terms and Conditions and any Agreement, or failure to exercise any option to terminate, shall not be construed as waiver of such provisions and shall not affect the validity of these Terms and Conditions or of any Agreement or any part thereof, or the right thereafter to enforce each and every provision. These Terms and Conditions shall not be amended, modified, varied or supplemented except in writing and signed by duly authorised representatives of Pangea-Risk (legacy EXX Africa).

Notification of Changes

Pangea-Risk (legacy EXX Africa) reserves the right to change these conditions from time to time as it sees fit and your continued use of the site will signify your acceptance of any adjustment to these terms. If there are any changes to our privacy policy, we will announce that these changes have been made on our home page and on other key pages on our site. If there are any changes in how we use our site customers’ Personally Identifiable Information, notification by e-mail or postal mail will be made to those affected by this change. Any changes to our privacy policy will be posted on our web site 30 days prior to these changes taking place. You are therefore advised to re-read this statement on a regular basis

These terms and conditions form part of the Agreement between the Client and ourselves. Your accessing of this website and/or undertaking of a booking or Agreement indicates your understanding, agreement to and acceptance, of the Disclaimer Notice and the full Terms and Conditions contained herein.

PRIVACY POLICY

Pangea-Risk (legacy EXX Africa) Ltd. (hereafter referred to as Pangea-Risk (legacy EXX Africa)) has created this privacy policy to demonstrate our commitment to the privacy of the users of our websites. Please read the following to learn more about our privacy policy, and how we treat personally identifiable information collected from our visitors and users.

What this Privacy Policy Covers

This privacy policy covers Pangea-Risk (legacy EXX Africa)’s treatment of personally identifiable information collected by Pangea-Risk (legacy EXX Africa) through a website owned and operated by Pangea-Risk (legacy EXX Africa).

This privacy policy does not apply to the practices of companies that Pangea-Risk (legacy EXX Africa) does not own or control, or of persons that Pangea-Risk (legacy EXX Africa) does not employ or manage, including any third-party content contributors bound by contract and any third-party websites to which Pangea-Risk (legacy EXX Africa) websites link.

Collection and Use of Personal Information

You can visit the websites of Pangea-Risk (legacy EXX Africa) without revealing any personal information. However, Pangea-Risk (legacy EXX Africa) needs certain personal information if you wish to purchase our products, register for an affiliate account, receive Pangea-Risk (legacy EXX Africa) newsletter, or use certain Pangea-Risk (legacy EXX Africa) services.

Where required, this information may include your personal contact information and/or your company contact information. Pangea-Risk (legacy EXX Africa) will use this information to reply to your inquiries, to provide you with requested products and services, to set up your member’s account, and to contact you regarding new products and services.

By accessing the services of Pangea-Risk (legacy EXX Africa) and voluntarily providing us with the requested personal information, you consent to the collection and use of the information in accordance with this privacy policy.

Collection and Use of Non-Personal Information

Pangea-Risk (legacy EXX Africa) automatically receives and records non-personal information on our server logs from your browser including your IP address, cookie information and the page you requested. Pangea-Risk (legacy EXX Africa) may use this information to customise the advertising and content you see and to fulfil your requests for certain products and services. However, Pangea-Risk (legacy EXX Africa) does not connect this non-personal data to any personal information collected from you.

Pangea-Risk (legacy EXX Africa) also allows third party companies that are presenting advertisements on some of our pages to set and access their cookies on your computer. Again, these cookies are not connected to any personal information. Third party cookie usage is subject to their own privacy policies, and Pangea-Risk (legacy EXX Africa) assumes no responsibility or liability for this usage.

Information Sharing and Disclosure

Pangea-Risk (legacy EXX Africa) may disclose your personal information to third parties who work on behalf of Pangea-Risk (legacy EXX Africa) to provide products and services requested by you. We will share personal information for these purposes only with third parties whose privacy policies are consistent with ours or who agree to abide by our policies with respect to personal information.

Pangea-Risk (legacy EXX Africa) may otherwise disclose your personal information when:

• We have your express consent to share the information for a specified purpose;
• We need to respond to subpoenas, court orders or such other legal process;
• We need to protect the personal safety of the users of our websites or defend the rights or property of Pangea-Risk (legacy EXX Africa);
• We find that your actions on our websites violate the Pangea-Risk (legacy EXX Africa) Terms and Conditions document or any of our usage guidelines for specific products or services.

Display Advertising

Pangea-Risk (legacy EXX Africa) has implemented Display Advertising and uses Remarketing with Google Analytics to advertise online. It means that third-party vendors, including Google, show our ads on sites across the Internet.

Pangea-Risk (legacy EXX Africa) along with third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on your past visits to our website.

If you want to opt-out of Google Analytics for Display Advertising, just customize Google Display Network ads using the Ads Settings or using Google Analytics Opt-out Browser Add-on that will instruct the Google Analytics JavaScript not to send any information about the website visit to Google Analytics.

Consent

If you do not consent to the collection, use or disclosure of your personal information as outlined in this policy, please do not provide any personal information to Pangea-Risk (legacy EXX Africa). If you have provided personal information to Pangea-Risk (legacy EXX Africa) and no longer consent to its use or disclosure as outlined herein, please notify Pangea-Risk (legacy EXX Africa) at info@Pangea-Risk (legacy EXX Africa).com.

Security

Unfortunately, no data transmission over the Internet can be considered 100% secure. However, your Pangea-Risk (legacy EXX Africa) Information protected for your privacy and security. In certain areas of our websites, as identified on the site, Pangea-Risk (legacy EXX Africa) uses industry-standard SSL-encryption to protect data transmissions. We also safeguard your personal information from unauthorized access, through access control procedures, network firewalls and physical security measures. Further, Pangea-Risk (legacy EXX Africa) retains your personal information only as long as necessary to fulfil the purposes identified above or as required by law.

Changes to this Privacy Policy

Pangea-Risk (legacy EXX Africa) may at any time, without notice to you and in its sole discretion, amend this policy from time to time. Please review this policy periodically. Your continued use of Pangea-Risk (legacy EXX Africa) websites after any such amendments signifies your acceptance thereof.

Questions or Suggestions

If you have questions or suggestions about this privacy policy, or your own personal information, please e-mail us at info@Pangea-Risk (legacy EXX Africa).com.

© Pangea-Risk (legacy EXX Africa) 2015 All Rights Reserved