Terms of Internet Usage Policy


These Terms and Conditions of Use, together with the Policy on the Use of Cookies and the Website Privacy Policy (jointly referred to as the ‘Terms and Conditions’) apply to the use of the domain, namely www.rci-insurance.eu and all sub domains (hereinafter referred to jointly as ‘the Website’ or ‘this Website’) of RCI Life Ltd, RCI Insurance Ltd and RCI Services Ltd (hereinafter referred to as ‘the Companies’, ‘us’ or ‘we’). You should read these terms and conditions carefully before using this Website.

Use of the Website indicates that you have understood and accept these terms and conditions. If you do not agree with the terms and conditions please refrain from accessing or using this Website.

You are advised to review these terms and conditions regularly as they may be amended from time to time at our sole discretion and without providing notice.

Service Access

While the Companies shall take all reasonable steps to ensure the availability and accessibility of the Website at all times, there may be instances when this is suspended temporarily in the event of system failure, maintenance or for other reasons beyond the Companies’ control. The Companies shall not be held responsible for any such interruptions or failures or for any defects that may exist, or for any direct or indirect damage or loss including, but not limited to, material damage or loss of data or programs or financial loss that may ensue.

The Companies reserve the right to suspend access or withdraw the Website temporarily or permanently. The Companies also reserve the right to review and change the content of the Website and to remove content without any prior notice.

Limitation of Liability

While the Companies will take all reasonable steps to ensure the accuracy of the information contained within this Website, it does not guarantee the accuracy or completeness of this information, nor is it responsible for any errors or omissions.

We disclaim to the fullest extent permitted by law, all implied or express warranties of satisfactory quality and fitness for a particular purpose. You acknowledge that you are solely responsible for the use to which you put the Website and all information you obtain from it.

All material contained in this Website is provided for general information only and is not intended to provide legal or other professional advice nor does it commit the Companies to any obligation whatsoever. The Companies accept no responsibility for any direct, indirect or consequential loss or damage which may arise from reliance on information contained on this Website. You are advised to seek confirmation of statements made herein before acting upon them.

The Companies will not be liable for any loss or damage caused by any malware, viruses or other technologically harmful material arising through your use of this Website or through your downloading of any material posted on it or any other Website linked to it.

User Conduct

When accessing or using any service provided on this Website, you may not post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind. This includes, without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law.


The Website may contain links to external websites. The Companies do not thereby assume any responsibility nor do they make any representation as to the legality, quality or suitability of any of the content included within these websites. The existence of a hyperlink to such an external website is not to be interpreted as implying, whether explicitly or implicitly, that the Companies endorse, authorise or sponsor such website or the content included therein. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk.

Trademarks, Copyright and Other Intellectual Property Rights

Unless otherwise stated, all copyright, trademarks and patents including without limitation text, tools, photographs and graphic images on this Website belong to the Companies or Shutterstock, Inc.

Intellectual property within the Website belonging to third parties are the property of their respective owners. Nothing herein contained is to be interpreted as granting any right or licence to use any copyright, trademark or patent without prior written permission.

Except for personal and non-commercial purposes you are precluded from reproducing or storing any part of this Website in any other website or including it in any public or private electronic retrieval system or service without our prior written permission.

Any rights not expressly granted in these Terms and Conditions are reserved.

Applicable Law

These Terms and Conditions as well as use of this Website are governed by and construed in accordance with Maltese law. Should a dispute arise connected with the use or content of this Website, it shall be resolved through the exclusive jurisdiction of the Maltese Courts.