Terms and Conditions

1. Definitions

• Website – www.nicomw.com and all associated pages and subdomains

• User/You – Any individual or entity using the Website

• Content – All text, images, videos, and materials on the Website

• NICO Group – NICO Holdings plc and all its subsidiaries

2. Acceptance of Terms

By using this Website, you confirm that you are at least 18 years old and will use the Website in compliance with all applicable Malawian laws.

3. Use of the Website

Permitted Use:

• Accessing information about NICO products and services

• Requesting quotes or information

• Managing your accounts and policies

• Communicating with NICO representatives

Prohibited Activities:

• Using the Website for illegal, fraudulent, or harmful purposes

• Attempting unauthorized access to systems

• Using automated tools (bots, scrapers) without permission

• Reproducing or distributing Content without authorization

• Interfering with Website functionality

3. Intellectual Property

All Content is owned by or licensed to NICO Group and protected by copyright and trademark laws. You may view and download Content for personal, non-commercial use only. Any other use requires our written permission.

4. Account Security

If you create an account, you agree to:

• Provide accurate information

• Keep your login credentials confidential

• Notify us immediately of unauthorized access

• Accept responsibility for activities under your account

5. Disclaimer

All Content is provided "as is" for informational purposes only. We do not guarantee accuracy, completeness, or reliability. Financial information does not constitute professional advice — consult qualified professionals before making financial decisions.

6. External Links

Our Website may link to third-party sites for convenience. We do not endorse or take responsibility for external content, privacy practices, or services.

7. Limitation of Liability

To the fullest extent permitted by law:

• The Website is provided "as is" and "as available"

• We are not liable for any direct, indirect, or consequential damages arising from your use of the Website

• You are responsible for protecting your systems from viruses or malware

8. Indemnification

You agree to indemnify NICO Group against any claims, losses, or damages arising from your use of the Website, violation of these Terms, or infringement of third-party rights.

9. Data Protection

We process your personal data in accordance with the Malawi Data Protection Act, 2024. By using our Website, you consent to our collection and use of your information as described in our Privacy Policy. Your rights include access, rectification, deletion, and restriction of processing.

10. User Submissions

Any feedback or suggestions you submit grant us a royalty-free license to use, modify, and distribute that content. Submissions must be accurate and not infringe third-party rights.

11. Termination

We may suspend or terminate your access if you breach these Terms, engage in fraudulent activity, or as required by law.

12. Governing Law

These Terms are governed by the laws of the Republic of Malawi. Disputes shall be submitted to the exclusive jurisdiction of Malawian courts.

13. Severability

If any provision is found invalid, the remaining provisions remain in full force.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and NICO Group.

15. Contact Us

NICO Group — your trusted one-stop financial partner.

Effective Date: [Insert Date] | Last Updated: [Insert Date]