Terms and Conditions of Use

© Caribbean Association for Insurance Regulators (“CAIR”)

Terms and Conditions of Use

The information provided on this website is of a general nature only and should only be used for information purposes; it is not intended to address the specific circumstances of any particular entity or be relied upon as, nor substitute for, specific professional or financial advice.

Copyright and permissions

All copyright and other intellectual property rights in the content of this website are owned by the CAIR. Unless otherwise stated, all rights are reserved.

The CAIR reserves the right to deny in its sole discretion any User access to this website or any part thereof without notice. The CAIR also reserves the right in its sole discretion to alter, limit or discontinue the website or any materials herein in any respect without separate announcement.  Some of the materials on this website may contain references to materials from third parties for which copyright must also be honored.  Content may not be copied, reproduced, transmitted, distributed, downloaded or transferred in any form or by any means without CAIR’s prior written consent, and with express attribution to CAIR.

General Disclaimer

Information provided on this website is believed to be accurate when placed on the website but the CAIR provides no warranty, express or implied, as to the correctness, completeness, quality, accuracy, reliability, timeliness, currency, or fitness for any purpose of any information contained in documents produced or provided on the website.  Any action you take upon the information on this website is strictly at your own risk, and CAIR will not be liable for any losses and damages whatsoever (including incidental or consequential loss or damage) in connection with the use of our website.  Changes may be made at any time to the information on this website without prior notice, along with limiting access to or discontinuing the whole or part of this website.

The CAIR provides links to third party websites as a convenience to its users.  The inclusion of any link does not imply an endorsement or recommendation of the third-party organization, its website, or its products and services. The CAIR has not reviewed and is not responsible for the privacy practices or content of such websites.

Privacy Policy

The CAIR website may collect information about Users’ browsing through the use of cookies and Log data.  When you visit this WebSite, CAIR may place Cookies onto your device, or read Cookies already on your device, subject always to obtaining your consent, where required, in accordance with applicable law. CAIR use Cookies to record information about your device, your browser and in some cases, your preferences and browsing habits. Log data may include information such as your computer’s Internet Protocol (“IP”) address, browser version, pages of our website that you visit, the time and date of your visit, the time spent on those pages, and other statistics.

The CAIR may also collect Personally Identifiable Information when Users provide such information on the website, including but not limited to User’s name and e-mail address.  In order to give the best possible experience when using the website, the CAIR uses this information to provide, test, improve, promote and personalize its services.  The CAIR will treat such Personally Identifiable Information as confidential.

Users will have a unique username and password in order to access their account and protect unauthorized access to their account information.  Users are responsible for maintaining the confidentiality of their password and account, and are fully responsible for all activities that occur under their password or account.  Users agree to immediately notify CAIR of any unauthorized use of their password or account or any other breach of security and change their password. The CAIR cannot and will not be liable for any loss or damage arising from your failure to comply with this.