ZAMARA GROUP DISCLAIMER POLICY

3.0 DEFINITIONS

Board or Directors

The Board of Directors of the Company

Chief Executive Officer (“CEO”) of ZAAC

The Chief Executive Officer of Zamara Actuaries, Administrators & Consultants Limited.

Cookie

A cookie is a piece of information contained in a very small text file that is stored in your Internet browser or elsewhere on your hard drive. Cookies allow a website to identify a user’s device whenever that user returns to the website and are commonly used in order to make websites work more efficiently and enrich the user experience, as well as to provide information to the owners of the site.

Managing Director of ZARIB, C&P, ZAAC-UG, ZAAIB, ZPAL, ZCAN, SIB or BSC

The Managing Directors of each of ZARIB, C&P, ZAAC-UG, ZAAIB, ZPAL, ZCAN, SIB and BSC as appropriate.

Employee

Includes permanent employees, temporary employees, independent contractors and employees / contractors of contracted services providers, of any of corporate entities forming part of the Group.

Group Chief Executive Officer (“GCEO”)

The Chief Executive Officer of Zamara Holdings Limited (“ZHL”).

Group Chief Operations Officer (“GCOO”)

The Chief Operations Officer of Zamara Holdings Limited (“ZHL”).

Manager or Executive Manager or Division Head

A manager responsible for the management of a business sector or business unit within the Group, including relevant Divisional and Subsidiary Directors, Executive Managers, Managers and / or Regional Managers.

Client(s)

Refers to a corporate or individual to whom a Zamara entity may provide a service or product.

Executive Committee (“EXCO”)

  • The senior leadership of the Group (referred to below as EXCO) and includes the following persons
  • The Group Chief Executive Officer, the Chief Executive Officer or Managing Director and Executive Committee at group and subsidiary level and General or Division Managers
  • Employees responsible for management who report directly to the Chief Executive or to any of the Executive, General or Divisional Managers; and
  • Any other persons designated from time to time by the Chief Executive as being members of the EXCO.

Personal Sensitive Data

This refers to information on an individual that reveals their biometric data, genetic data, biometric data, racial or ethnic origin, political opinions, religious or philosophical beliefs; trade-union membership or such information that can be used to identify an individual.

Third Party

This refers to any individual or organisation that Zamara interacts with in the course of business. This includes our current and potential clients, customers, suppliers, distributors, business contacts, agents, advisers, and government and public bodies including their advisors, representatives, officials, politicians, and public parties.

Zamara Group (the “Group”)

The Zamara Group of Companies include:

  • Zamara Holdings Limited (“ZHL”)
  • Zamara Actuaries, Administrators & Consultants Limited (“ZAAC”)
  • Zamara Risk & Insurance Brokers Limited (“ZARIB”)
  • Corporate & Pension Trust Services Limited (“C&P”)
  • Zamara Actuaries, Administrators & Consultants (Uganda) Limited (“ZAAC-UG”)
  • Zamara Actuaries Administrators And Insurance Brokers Limited (“ZAAIB”)
  • Zamara Pension Administrators Limited (“ZPAL”)
  • Zamara Consulting Actuaries Nigeria Limited (“ZCAN”)
  • Stonebridge Insurance Brokers (Nigeria) Limited (“SIB”)
  • B S Company And Actuarial Services (Tanzania) Limited (“BSC”)

And where the context so requires Zamara or Company shall refer to ZHL, ZAAC, ZARIB, C&P, ZAAC-UG, ZAAIB, ZPAL, ZCAN, SIB and BSC as appropriate and Group shall refer to all the Companies.

Zamara Member Service Portal

crm.zamaragroup.com

Zamara Website

www.zamaragroup.com

4.0 INTRODUCTION, PURPOSE AND SCOPE

4.1 This Disclaimer Policy sets out the various disclaimers, notices, terms and conditions, and disclosures that will be used by the Group on the various mediums used to communicate with

4.2 This Policy also describes the Client’s choices regarding the use, access, collection and correction of personal information held by Zamara. By using the Websites or the Member Portal, the user consents to the data practices described in the various disclaimers and or notices.

PURPOSE

4.3 The purpose of this Policy is set out the various notices, statements and or disclaimers that will apply and the mediums in which they will apply.

SCOPE

4.4. The requirements outlined in this policy will apply to all data and information published by Zamara in digital, electronic or hand copy mediums.

4.5 This policy regulates processes and procedures in accordance with existing legal duties and obligations that an employee owes an employer in terms of the law, and should therefore not be construed or applied in a manner contrary to such duties and obligations, nor is it designed to replace such duties and obligations.

5.0 DISCLAIMERS, NOTICES, COOKIES AND OTHERS

We set out in this section, the various disclaimers, notices, cookies and other disclosures that will be apply.

5.1 TRADEMARKS

The Zamara Logo and the taglines including but not limited to “Powering Prosperity” are registered trademarks of Zamara. All other trademarks are either owned by Zamara or by its subsidiaries and affiliates.

5.2 COPYRIGHT NOTICE

The contents of this site including the text, images herein and their arrangement are copyright © 1993 – 2021 Zamara and all subsidiaries. All Rights Reserved.

Zamara permits you to copy and display the content herein for only your personal or informational and/ or non-commercial use. The content herein shall not be copied or posted in any network computer or broadcast in any media. Any copy you make must include this copyright notice. Limited quotations from the content are permitted only if attribution to Zamara is included. You may not copy or display for redistribution to third parties for commercial purposes any portion of the content without the prior written permission of Zamara. No modifications of the content may be made.

Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent, trademark, copyright (except as expressly provided above), or other proprietary rights of Zamara or of any third party.

5.3 CONFIDENTIALITY

Everything in this presentation is confidential, private and subject to legal privilege. Neither Zamara nor its employees nor representatives shall be liable for any loss or damage, no matter how caused (directly or indirectly), including but not limited to the corruption or loss of data, interruption of business operations, damage to software programs or viruses resulting from the transmission of this presentation.

5.4 DISCLAIMER & CONFIDENTIAL STATEMENT FOR REPORTS

This document has been prepared by Zamara for use by <insert name of client(s). Any other third party and for whose specific use this document has not been prepared must be aware that Zamara shall not be liable for any damage, loss or liability of any nature incurred by any third party and resulting from the information contained herein. The information contained herein is supplied on an “as is” basis and has not been compiled to meet any third party’s individual requirements. It is the responsibility of any third party to satisfy himself or herself, prior to relying on this information that the contents meet the third party’s individual requirements.

Nothing in this document, when read in isolation and without professional advice, should be construed as solicitation, offer, advice, recommendation, or any other enticement to acquire or dispose of any financial product, advice or investment, or to engage in any financial transaction or investment. A third party should consult with an authorised financial advisor prior to making any financial decisions.

Zamara has taken all reasonable steps to ensure the quality and accuracy of the contents of this document and encourages all readers to report incorrect and untrue information, subject to the right of Zamara to determine, in its sole and absolute discretion, the contents of this document. Irrespective of the attempts by Zamara to ensure the correctness of this document, Zamara does not make any warranties or representations that the content will in all cases be true, correct or free from any errors. In particular, certain aspects of this document might rely on or be based on information supplied to Zamara by other persons or institutions. Zamara has attempted to ensure the accuracy of such information, but shall not be liable for any damage, loss or liability of any nature incurred by any party and resulting from the errors caused by incorrect information supplied to Zamara.

Zamara refers to Zamara Holdings Limited (“ZHL”), Zamara Actuaries, Administrators & Consultants Limited (“ZAAC”), Zamara Risk & Insurance Brokers Limited (“ZARIB”), Corporate & Pension Trust Services Limited (“C&P”), Zamara Actuaries, Administrators & Consultants (Uganda) Limited (“ZAAC-UG”), Zamara Actuaries Administrators And Insurance Brokers Limited (“ZAAIB”), Zamara Pension Administrators Limited (“ZPAL”), Zamara Consulting Actuaries Nigeria Limited (“ZCAN”), Stonebridge Insurance Brokers (Nigeria) Limited (“SIB”), B S Company And Actuarial Services (Tanzania) Limited (“BSC”) as appropriate and Group refers to all the Companies.

5.5 DISCLAIMER & CONFIDENTIAL STATEMENT FOR LETTERS

This <letter/document> has been prepared by Zamara for use by <insert name of client(s)> and is provided to our client solely for their use for the specific purpose indicated. It may not be disclosed to any other party without Zamara’s prior written permission, except as may be required by law.

Zamara refers to Zamara Holdings Limited (“ZHL”), Zamara Actuaries, Administrators & Consultants Limited (“ZAAC”), Zamara Risk & Insurance Brokers Limited (“ZARIB”), Corporate & Pension Trust Services Limited (“C&P”), Zamara Actuaries, Administrators & Consultants (Uganda) Limited (“ZAAC-UG”), Zamara Actuaries Administrators And Insurance Brokers Limited (“ZAAIB”), Zamara Pension Administrators Limited (“ZPAL”), Zamara Consulting Actuaries Nigeria Limited (“ZCAN”), Stonebridge Insurance Brokers (Nigeria) Limited (“SIB”), B S Company And Actuarial Services (Tanzania) Limited (“BSC”) as appropriate and Group refers to all the Companies.

5.6 CONTENT

Zamara makes no representations about the suitability of the content of this site for any purpose. All content is provided on a “as is” basis without any warranty of any kind.

Zamara has not made and does not make any warranty of any kind whatever, express or implied, with respect to the contents of this site; and all implied warranties or merchantability, title, non-infringement and fitness for a particular purpose are hereby disclaimed by Zamara. Zamara will not be liable to anyone with respect to any damages, loss or claim whatsoever, no matter how occasioned, in connection with access to or use of the contents of this site. In no event shall Zamara be liable for any special, indirect, exemplary or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits, without regard to the form of any action including but not limited to contract or negligence or other tortious actions, arising out of or in connection with the use, copying or display of the content.

While Zamara believes the contents to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors. Zamara does not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time to time Zamara may make changes in the products and/or services described herein. Zamara makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

5.7 LINKS TO OTHER SITES

Some of the sites listed as links herein are not under the control of Zamara. Accordingly, Zamara makes no representations whatsoever concerning the content of those sites. The fact that Zamara has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by Zamara with respect to such site, its owners or its providers. Zamara is providing these links only as a convenience to you. Zamara has not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and Zamara cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.

5.8 RECOMMENDATION DISCLOSURE

Zamara, including all of its subsidiaries and affiliates, maintains relationships with clients and business partners around the world. When Zamara recommends or mentions a product or service provider, it is possible that the product or service is being offered by one of Zamara’s clients or business partners.

Zamara maintains a strict Code of Business Conduct covering many topics, including antitrust and competition law, conflicts of interest, anti-bribery, privacy, financial reporting, compliance with trade restrictions, protection of confidential information, and compliance with all laws and regulations applicable to the conduct of our business. Zamara also files necessary disclosures with all governmental regulators.

5.9 DISCLAIMER

Disclaimer of Zamara Group, Its Subsidiaries, Affiliates and Associated Companies (“The Zamara Group of Companies”)

Any electronic mail (including attachments) you receive from Zamara, its employees, agents, representatives, is subject to the Zamara’s e-mail disclaimer conditions as set out below:

The person addressed in the e-mail is the sole authorised recipient of the e-mail. Please notify the sender immediately if you are not the intended recipient and refrain from copying, forwarding, storing or using the e mail or its content for any purposes whatsoever. Failure to do so may be an offence which may expose you to criminal and civil liability. Kindly acknowledge receipt of this mail. If we do not hear from you to the contrary, we will assume that you agree with all the terms and conditions as set out above.

Everything in this e-mail is confidential, private and subject to legal privilege. Neither Zamara nor its employees nor representatives shall be liable for any loss or damage, no matter how caused (directly or indirectly), including but not limited to the corruption or loss of data, interruption of business operations, damage to software programs or viruses resulting from the transmission of this e-mail.

The views expressed in this e-mail are the views of the sender unless expressly stated as those of Zamara. Zamara expressly prohibits any of its users from sending any spam or offensive content, or any content, which infringes other parties’ proprietary information. Zamara shall not be liable for any loss or damage resulting from the above whatsoever.

Zamara refers to Zamara Holdings Limited (“ZHL”), Zamara Actuaries, Administrators & Consultants Limited (“ZAAC”), Zamara Risk & Insurance Brokers Limited (“ZARIB”), Corporate & Pension Trust Services Limited (“C&P”), Zamara Actuaries, Administrators & Consultants (Uganda) Limited (“ZAAC-UG”), Zamara Actuaries Administrators And Insurance Brokers Limited (“ZAAIB”), Zamara Pension Administrators Limited (“ZPAL”), Zamara Consulting Actuaries Nigeria Limited (“ZCAN”), Stonebridge Insurance Brokers (Nigeria) Limited (“SIB”), B S Company And Actuarial Services (Tanzania) Limited (“BSC”) as appropriate and Group refers to all the Companies.

5.10 PRIVACY STATEMENT

Zamara is committed to integrity in our dealings with our clients, employees and service partners. This commitment extends to personal information about our customers that we might possess or acquire. We strive to protect the personal information under our control and take certain precautions to help maintain the security and accuracy of that data.

Zamara is a pan African organization, with legal entities, business processes, management structures, and technical systems that cross geographic borders. This Privacy Statement applies to all Zamara affiliates and subsidiaries. If you have questions or concerns regarding this statement, you should contact Zamara using the contact information included at the end of this statement. Zamara may also collect information during your visit to the Zamara website through cookies. Zamara uses cookies to help it compile aggregate statistics about usage of its websites. This information is used to improve content and personalize your user experience. However, by modifying your Internet browser preferences, you have the ability to accept all cookies, to be notified when a cookie is set or to reject all cookies. Please note that, if you choose to reject all cookies you will be unable to use those services or engage in activities that require the placement of cookies.

Through Zamaragroup.com, you may link to web pages and websites operated by Zamara and its subsidiaries and affiliates in various jurisdictions. If a Zamara subsidiary or affiliate site has its own specific privacy policy, the provisions of that specific policy will prevail. Zamara may also provide links to websites that are external to Zamara. These websites are not operated or controlled by Zamara, and Zamara is not responsible for the privacy practices or the content of such external web sites.

By using the Zamaragroup.com website, you agree that we can place cookies on your device as described in our Privacy Statement and this Cookie Notice.

Individuals may have certain rights of access to personal information held by Zamara and to have such data corrected where incorrect. Please contact the Zamara Group Governance, Risk and Compliance Department by emailing compliance@zamara.co.ke

5.11 ZAMARA’S USE OF WEB BEACONS

Zamara may also use tracking technologies called web beacons to collect information about your visit to Zamara sites. These are small images embedded in web content and HTML-formatted email messages and are ordinarily not visible to users. Like cookies, this technology enables us to track pages and content accessed and viewed by users on Zamara sites. Also, when we send HTML-formatted (as opposed to plain text) emails to our users, this technology may be embedded in such emails. Using web beacons allows us to determine whether emails have been opened or links were accessed, and identify aggregate trends, individual usage, and generate statistics about how our site is used. This enables us to provide our users with more relevant content or additional information about our services.

Web beacons are often used in combination with cookies; however, unlike cookies, web beacons cannot be declined when delivered via a regular web page. However, they can be refused when delivered via email. If you do not wish to receive this technology via email, configure your email software to disable HTML images or refuse HTML emails (selecting the option for text only viewing). Setting your browser to decline cookies or to prompt you for an opt-in response before cookies are set will also reduce web beacons’ functionality.

5.12 WHAT ARE COOKIES?

A cookie is a piece of information contained in a very small text file that is stored in your Internet browser or elsewhere on your hard drive. Cookies allow a website to identify a user’s device whenever that user returns to the website and are commonly used in order to make websites work more efficiently and enrich the user experience, as well as to provide information to the owners of the site.

5.13 ZAMARA’S USE OF COOKIES

Zamara collects information during your visit to the Zamara website through the use of cookies. We use these cookies for a variety of reasons, most commonly to distinguish you from other users of our websites and to help us compile aggregate statistics about usage of our websites. We also use cookies to help us provide you with a positive experience when you browse our website, help improve our content, and to personalize your visit.

The table below is a list of the main cookies set by Zamara websites.

Category of Cookies Purpose
Analytics Cookies These cookies are used to estimate our audience, identify usage patterns, and speed up searches.
Why Cookies These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.
Session Cookies These cookies are used to maintain your transaction. Generally, your session cookies expire when your browser is closed. The use of the session cookies reduces the need for Zamara to transfer your information over the Internet.
Web Beacons Web beacons are clear picture files (clear .gif files) that allow Zamara to track user interactions. Zamara may use web beacons in e-mail messages or newsletters in order to determine whether messages have been opened or links were accessed. They also allow Zamara to track customer actions in order to tailor our services to you. Customized content is influenced by your interaction with Zamara, including the pages viewed, offers that you show an interest in, and responses provided to survey questions.
Functionality Cookies These cookies are used to recognize repeat visitors to the site and allow the website to remember the choices you make (such as username, language or the region you are in). They are often used to record specific browsing information (including the way you arrive on the site, the pages you view, options you select, information you enter and the path you take through the site) against an individual customer profile.
Country Preference Cookies These cookies are used to record your country preference. They allow the selected country page to be presented to the visitor without re-entry of country preference during each visit to the website.
Language Preference Cookies These cookies are used to record preferred language. They allow the preferred language to be displayed to the visitor without re-entry of language preference during each visit to the website.
Content Management System Cookie Denotes the way the site is being viewed (Live Site/Design Mode, etc.)
Authentication Management Contains your authentication ticket information.

5.14 EXPECTATIONS OF BUSINESS PARTNERS

At Zamara, we do business with companies and individuals whom we expect to hold values that are in line with our code of business conduct and apply the highest ethical standards. All arrangements with business partners must comply with applicable laws and Zamara’s Corporate Policies. Some of the key Zamara policies are as listed below:

5.14.1 FINANCIAL CRIME, ANTI-MONEY LAUNDERING, AND ANTI-TERRORISM LAWS AND REGULATIONS

Zamara complies with the financial crime, anti- money laundering and anti-terrorism laws in all jurisdictions where it does business. Zamara will conduct business only with reputable parties that are engaged in legitimate business activities, with funds derived from legitimate sources.

5.14.2 FAIR DEALING AND MARKETING PRACTICES

At Zamara, we deal in an honest way with our clients, suppliers, markets and competitors. Zamara does not take advantage of anyone through manipulation, concealment, abuse of privileged information, misrepresentation, or by means of any other unfair practice. International Trade Restrictions. Zamara and its affiliates shall comply with local and international laws, and regulations including restrictions on trade in all countries where Zamara does business.

5.14.3 HARASSMENT AND DISCRIMINATION

At Zamara we do not tolerate harassment or discrimination of any kind, including sexual, cultural or any other type of behaviour that is hostile, disrespectful, abusive and/or humiliating to others.

5.14.4 INFORMATION PRIVACY

Zamara’s commitment to integrity extends to personal information about Zamara’s clients, employees, markets, business partners, suppliers or any other party whose personal data is processed or controlled by Zamara.

5.14.5 INFORMATION CONFIDENTIALITY

Zamara is committed to respect the confidentiality and privacy of its clients and business partners, to safeguard personal identifiable data/information, and to maintain systems’ security at all times.

5.14.6 SPEAK UP

Kindly play your role by reporting any improper or illegal activities or violations of this Code of Business Conduct, Zamara Group policies or the law, in a manner compliant with local law by contacting the Zamara Group Governance, Risk and Compliance Department on compliance@zamara.co.ke

We'll get in touch with you

We are eager to answer your questions and help you choose the most suitable solution for you.