1. WHO WE ARE AND HOW TO CONTACT US
INVESTMED HEALTH FUND is a credible and trustworthy open health insurance organisation in Zimbabwe, registered in terms of Statutory Instrument (S.I) 330 of 2000 as amended by S.I 35 of 2004 and seeks to provide innovative, efficient and cost-effective health insurance services to the market. Our offices are situated at 82 Mutare road, Msasa, Harare.
If you have any queries regarding this website or any of the information or materials contained on it, please contact us by email at info@www.investmedhealth.co.zw.
2. ACCEPTANCE OF THESE TERMS OF USE AND ACCESS TO OUR WEBSITE
The use of this website is subject to these Terms of Use which set out the basic rules that govern your use of this website, your use of all online products, services, facilities, tools or utilities offered by us on this website, and all information and materials provided to us, uploaded onto and/or accessed through our website.
Please read these Terms of Use carefully, as your use of this website, as set out above, constitutes your agreement to be bound by these Terms of Use and you will be deemed to have read, understood and agreed to be bound by these Terms of Use.
3. CHANGES TO THESE TERMS OF USE TO OUR WEBSITE
We may make changes to these Terms of Use
It may be necessary for us to amend these Terms of Use from time to time. Any changes we make to these Terms of Use in the future will be posted on our website through updated Terms of Use.
Your access to and use of our website is subject to the Terms of Use that apply at the time of access and use. Please check these Terms of Use when visiting our website to see any updates or changes to our Terms of Use. Your use of this website after a change has been posted constitutes your acceptance of the amended Terms of Use.
We may make changes to our website
We may update and/or change our website from time to time to reflect changes to any relevant law, our users’ needs and/or our business requirements at the time. We reserve the right to make changes to or to remove content from our website, without notice and without any liability on our part.
4. RELIANCE ON THE CONTENT ON OUR WEBSITE
The information and publications contained on our website have been prepared by us, or on our behalf for use on our website, and is based on our (or the author’s) own views, preferences and opinions that applied as at the date that the information or publication was published on our website.
The information and publications contained on our website are intended for general information purposes only and should in no way be construed or relied on as professional or specialist advice.
To the extent that clinical information may be provided on the website, you understand that it does not replace the advice of a registered healthcare practitioner. You should not discontinue any treatment you may be receiving on the basis of information reflected on this website without first consulting a healthcare practitioner and you should seek professional advice should any symptoms you may be experiencing persist.
Although we make reasonable efforts to ensure that the content and information on our website is complete, accurate and up to date, we make no representation, warranty or guarantee, whether express or implied, about the suitability of the products and services on our website or that the content on our website is accurate, complete or up to date.
5. MANAGING YOUR ACCOUNT ON OUR WEBSITE
You are responsible for keeping your account details safe
Where you register for an account on our website and you choose or are provided with a user identification code/name, password or any other piece of information as part of our access security procedures, you must treat that information as confidential and keep it secure.
You must not disclose your access details (including your username or password) to any third party. Any use of your access details on our website will be regarded as your use, and you accept full responsibility for all activities that occur in your account through the use of your confidential access details.
We have the right to disable any user identification code/name or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms of Use.
If you know or suspect that anyone, other than you, is aware of your user identification code or password, you must promptly notify us by e-mail at info@www.investmedhealth.co.zw or contact us at +263 242 487585.
You are responsible for keeping your records accurate and up to date
INVESTMED HEALTH FUND may require certain personal information from you to be provided or loaded on our website, through your online account or through the use of our online products, services, facilities, tools or utilities.
You are responsible for ensuring that all information loaded on our website or provided to us through our online products, services, facilities, tools or utilities is correct, accurate and kept up to date.
If you fail to provide us with the correct information or fail to update the information, such failure will not, in whatever way, be attributed to INVESTMED HEALTH FUND.
You warrant and undertake that all information provided to INVESTMED HEALTH FUND by you at any time through the website will be true, correct, up to date and you undertake to update the information as and when required.
6. LINKING TO THIRD-PARTY WEBSITES
We are not responsible for third-party websites that our website may link to
Where our website contains links to other sites and resources that are provided by third parties, these links and resources are provided for your information and convenience only. Third-party links should not be interpreted as an approval by us of those linked websites or the information you may obtain from them, or as an endorsement by us of the linked website, their business or security practices.
The use of third-party websites (including any third party sites that serve as social networks, for example, Facebook or Twitter) is entirely at your own risk. We have no control over the contents on or resources contained in any third-party websites and are not responsible for the information, content or material on any linked website, in any manner whatsoever.
These Terms of Use do not apply to any third-party website linked to our website. You should read the terms and conditions of those websites before using them.
You are not entitled (nor will you assist others) to set up links from your own websites to our website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our discretion.
You agree that when accessing our website you will not scrape or harvest any information, content or materials from our website, either manually or by use of a web spider, web robot or any other web crawling or other technology.
7. THIRD-PARTY SERVICE PROVIDERS
We may engage the services of third-party service providers to assist us with the hosting, management and maintenance of our website. We will take all reasonable steps to ensure that appropriate contracts are entered into with these third-party service providers, in accordance with the provisions of the Data Protection Act [chapter 11:22] of Zimbabwe.
8. COPYRIGHT AND INTELLECTUAL PROPERTY
All intellectual Property rights in and to our website, and all content made available on our website (for example, text, graphics, logos, button icons, images, publications, audio clips, digital downloads, data compilations, and software) belong to or are licenced to us, unless we expressly state otherwise.
The compilation of all content on our website is the exclusive property of INVESTMED HEALTH FUND, or the author thereof, and is protected by Zimbabwean and international copyright laws. No part of our website may be used or copied by any means available unless otherwise agreed to and authorised by us. Any unauthorised use, alteration or dissemination of the information or content on our website is prohibited, and we reserve all our legal rights in this regard.
You are not permitted to use any Trademark of INVESTMED HEALTH FUND, our website or any third-party on our website, without the prior written consent from us and/or any third-party concerned.
We will use commercially reasonable endeavours to ensure that appropriate security measures are in place to protect the information on our website. We will however not be accountable or liable for any consequences that may result from the unlawful breach of copyright or unlawful dissemination of information by third parties copying information off our website.
9. USE OF COOKIES
What are cookies?
Cookies are small text files saved to your computer’s hard drive that track, save and store information about your interactions and usage of our website. This allows our website, through its server to provide you with a tailored experience while using our website.
Cookies only store information from your browser. They cannot access data or information on your computer’s hard drive, and they cannot transfer viruses to your computer or your mobile device.
What do we use cookies for?
Our website may use cookies in order to identify users and/or visitors of this website, help you navigate the website and make the most of important features, and to remember personal settings that you have chosen on the website. In no other context do we use cookies to collect information that identifies you personally. Most of the cookies set are automatically deleted from your computer when you leave this website or shortly afterwards.
If you log in to this website as a registered user, your session cookie will also contain your user ID so that we can check which website services you are able to access.
We may use tracking software to monitor the website’s visitors to better understand how visitors use our website. This software is provided by [Google Analytics] which uses cookies to track visitor usage. The software will save a cookie to your computer’s hard drive in order to track and monitor your engagement and usage of this website, but will not store, save or collect any personal information.
The use of cookies, therefore, assists us to track the usage behaviour of this website, which will assist in compiling aggregate data that will assist us in improving the website’s content and user experience.
If you want to deny the use and saving of cookies from our website onto your computer’s hard drive, you should take the necessary steps within your web browser’s security settings to block all cookies from this website.
In certain instances, the use and saving of cookies may be necessary for you to benefit from the full user experience offered by our website or in order to access some of the online products, services, facilities, tools or utilities offered by us on the website. Accepting cookies will give you the best user experience on the website, while declining cookies could potentially interfere with your use of the site.
Cookie tracking through Google AdWords and Facebook Ads
Our website/company currently uses Google AdWords and Facebook Ads remarketing (or any other Google AdWords and Facebook Ads feature) which tracks cookies. Through the use of these Google AdWords and Facebook Ads features, we may be tracking your cookies.
By visiting our website, you agree that certain of our Google AdWords remarketing, Facebook Retargeting and/or other advertisements can follow you as you visit other websites which form part of Google’s Display Network (GDN) and Facebook Audience Network.
Under no circumstances do we use any sensitive information of any nature on any of our remarketing tags.
We will take appropriate and reasonable measures to adhere to all of the current in-effect policies of Google and Facebook related to remarketing or any other form of Google and Facebook advertising in all of our Google AdWords and Facebook Ads remarketing campaigns.
You can opt-out of seeing advertisements for the website, by simply clicking here: –
http://www.google.com/policies/technologies/ads/ or https://web.facebook.com/policies/ads/?_rdc=1&_rdr
We have implemented certain Google Analytics or Facebook Pixel Analytics features for the primary purpose of attempting to ascertain the success of our online marketing campaigns through the Google AdWords platform or Facebook Ads platform.
10. DISCLAIMER AND LIMITATION OF LIABILITY
This website and all information, content, tools and materials are provided on an “as is” and on an “as available” basis without warranty of any kind.
We do not guarantee the operation of the website, the information, content, tools or materials on the website. You agree to use the website at your own risk.
We do not guarantee that (i) the website, (ii) the information, content, tools or materials included on the website, (iii) our servers and/or any servers on which information from our website is stored, or (iv) any electronic communications sent by the Scheme are free from viruses or other harmful components.
Although we are fully committed to providing you with the best possible service, we are not responsible for:
· Any interrupted, delayed or failed transmission, storage or delivery of information due to a power failure, equipment or software malfunction, natural disasters, fire, labour unrest, or any other cause beyond the reasonable control of INVESTMED HEALTH FUND, or
· Any inaccurate, incomplete or inadequate information obtained from the website or supplied by you on or through the website.
INVESTMED HEALTH FUND does not accept any liability for, and will not be liable for any injury, loss, damage or expense of any kind, whether direct, indirect, incidental, punitive and/or consequential, that may arise from:
· Any of the events described in this clause 10;
· Actions or omissions by you that result in a breach of these Terms of Use or our Privacy Policy;
· Any links to other third party websites on this You acknowledge that we cannot control the content of, or the products offered, on those third-party websites;
· Denial of access to the website should we have reason to believe that you are conducting activities that are illegal, abusive, would affect the integrity of the website or place INVESTMED HEALTH FUND in disrepute;
You agree to indemnify INVESTMED HEALTH FUND, its trustees, officers and employees and will not hold them responsible for any claim relating to the use of the website or as a result of any errors or inaccuracies or incomplete information made available by third parties on the website and agree that INVESTMED HEALTH FUND shall not be liable for any loss or damage of any kind, including direct, indirect and consequential loss, that may arise from any disclosure made by you to or by any third parties.
11. WEBSITE PRIVACY AND DATA PROTECTION
For details on how we may use and process any personal information that we receive from you through the use of our website, please refer to our Privacy Policy.
12. APPLICABLE LAW
These Terms of Use are governed by the laws of the Republic of Zimbabwe and you hereby consent to the jurisdiction of the Zimbabwean courts in respect of any dispute which may arise out of or in connection with the formation, interpretation, substance or application of these Terms of Use.
13. GENERAL PROVISIONS
The headings of the clauses in these Terms of Use are provided for convenience and reference only, and will not be used to interpret, modify or amplify these Terms of Use.
If any provision in these Terms of Use is held to be illegal, invalid or unenforceable, that illegality, invalidity or unenforceability will not affect the other provisions of these Terms of Use.
No failure or delay by us to exercise any of our rights will be regarded as a waiver of our rights, nor will it affect the validity of any part of these Terms of Use.
Nothing on our website is intended to be, or should be, construed as an offer to enter into a contractual relationship with you or anyone else, except for these Terms of Use which govern the relationship between us in relation to your use of our website.
Competitions or other promotional features which may be made available through our website from time to time may also have specific terms and conditions. You will need to read and accept these terms and conditions before making a submission.