Welcome to the website of Statewide Insurance Company Ltd (“SWICO”, “we”, “us”, “our”). By accessing or using the website at https://www.swico.co.ug (the “Site”), you agree to be bound by these Terms of Use, as well as our Privacy Policy. If you do not agree to these Terms, you must not use the Site.

1. Scope and Acceptance

1.1 These Terms of Use govern your access to and use of the Site and any content, services, features, or functionality made available via the Site.

1.2 By using or accessing the Site, you confirm that (a) you are at least 18 years old (or the age of majority in your jurisdiction) and (b) you have the legal capacity to enter into binding contracts.

1.3 We may modify, suspend, or discontinue any part of the Site or these Terms at any time. Changes will take effect upon posting on the Site (or via notification). Your continued use after changes constitutes acceptance of the revised Terms.

2. Use of the Site

2.1 Permitted Use. You agree to use the Site only for lawful purposes and in accordance with these Terms. You must not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with other users.

2.2 Prohibited Conduct. Without limiting the foregoing, you agree not to:

• Use the Site to transmit or distribute any unlawful, harmful, infringing, defamatory, obscene, or otherwise objectionable content.
• Attempt to gain unauthorized access to other systems or networks connected to the Site.
• Impersonate any person or entity or misrepresent your affiliation.
• Use bots, scrapers, or automated means to access or collect information from the Site without our express permission.
• Infringe any third-party intellectual property rights.
• Introduce viruses, malware, or harmful code.

2.3 Accounts and Credentials. In case the Site provides user accounts (for example, for clients, agents, or brokers), you are responsible for safeguarding your login credentials. You must notify us immediately if you become aware of unauthorized use of your account.

3. Intellectual Property

3.1 The Site and all content (text, graphics, logos, images, audio, video, software, data compilations) are protected by copyright, trademark, and other intellectual property laws. All rights (including intellectual property rights) are reserved by SWICO or its licensors.

3.2 You may view, download, and print portions of the content solely for your personal, non-commercial use, provided you maintain all copyright and other proprietary notices.

3.3 You may not modify, reproduce, distribute, publish, create derivative works, publicly display, perform, or exploit any of the Site’s content without the express prior written consent of SWICO.

4. Disclaimers and Limitation of Liability

4.1 No Warranty. The Site and all content and services are provided on an “as is” and “as available” basis, with all faults, without warranties of any kind, whether express, implied, statutory, or otherwise (including but not limited to warranties of merchantability, fitness for a particular purpose, noninfringement, or availability).

4.2 We do not warrant that (a) the Site will be uninterrupted or error-free, (b) defects will be corrected, (c) the Site or server that makes it available are free from viruses or harmful components, or (d) the accuracy, completeness, or reliability of any content on the Site.

4.3 Limitation of Liability. To the maximum extent permitted by law, SWICO (and its officers, directors, employees, agents, affiliates) will not be liable for any indirect, incidental, special, punitive, or consequential damages, or loss of profits, data, use, or goodwill, arising out of or in connection with your use of or inability to use the Site, even if SWICO has been advised of the possibility of such damages.

4.4 Cap on Liability. In jurisdictions where limits on liability can be provided, SWICO’s total liability to you for any direct damages arising under these Terms shall not exceed the amount (if any) you paid to SWICO in the prior 12 months for access to or use of the Site (if applicable). If no payment was made, SWICO’s liability is limited to the maximum extent permitted by applicable law.

5. Third-Party Content and Links

5.1 The Site may contain links to third-party websites or resources (“External Sites”). Those links are provided for your convenience. SWICO does not control, endorse, or adopt any content on External Sites, and is not responsible for their availability or accuracy.

5.2 You expressly agree that SWICO is not liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of any External Sites.

6. Submissions & Feedback

6.1 If you submit any ideas, suggestions, feedback, or materials (“Submissions”) through the Site (e.g., via contact forms or feedback tools), you grant SWICO a perpetual, irrevocable, royalty-free, worldwide, non-exclusive license to use, reproduce, modify, adapt, publish, and distribute such Submissions.

6.2 You represent and warrant that your Submissions are your own original work (or you have rights to them) and that they do not violate any third-party rights.

7. Privacy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, store, and disclose your personal data. The Privacy Policy is incorporated into these Terms by reference.

8. Termination and Suspension

8.1 SWICO may suspend or terminate your access (or any user’s access) to the Site, with or without cause, immediately and without notice.

8.2 Upon termination, your right to use the Site ceases. Sections regarding intellectual property, disclaimers, limitation of liability, and indemnification will survive termination.

9. Governing Law & Dispute Resolution

9.1 These Terms are governed by and construed in accordance with the laws of Uganda, without regard to conflict of law rules.

9.2 Any dispute arising out of or relating to these Terms or your use of the Site will be submitted to the exclusive jurisdiction of the courts of Uganda (or another forum as agreed in writing).

10. General Provisions

10.1 Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.

10.2 No Waiver. No waiver of any term or right under these Terms will be deemed a further or continuing waiver.

10.3 Assignment. SWICO may assign or transfer its rights under these Terms, wholly or in part, without restriction. You may not assign your rights under these Terms without SWICO’s prior written consent.

10.4 Entire Agreement. These Terms, together with the Privacy Policy and any other documents expressly incorporated, constitute the entire agreement between you and SWICO with respect to the subject matter.