Terms & Conditions

1. General

The terms of these User Terms (hereinafter referred to as "User Terms") apply to this Website (www.ictravel.ge) of www.ictravel.ge, with its principal place of business located at 85 Paliashvili str./ 24 Mosashvili str, 0162, Tbilsi, Georgia, and registered in the Georgian Large Taxpayers Inspection under number 204491344 (hereinafter “www.ictravel.ge”).

By accessing the www.ictravel.ge, the webpage of “IC Group Insurance Company LLC”and or using the information and services provided on or via this Website you agree to be bound by these User Terms. In the event of any conflict between the terms and conditions of specific products and services and these User Terms, the conditions specific to such products and services shall prevail.

2. Restrictions on the use of the Website

The information contained within the www.ictravel.ge Website is brought from sources which Www.ictravel.ge looks upon as reliable. www.ictravel.ge or third parties makes no warranties or representatives, express or implied, as to whether information provided on or via this Website is accurate, complete or up-to-date. The information on the site may be changed or removed without notice. www.ictravel.ge does not represent or warrant that this Website and/or the Internet services provided via the Website functions without error or interruption.
The information on the Website shall not under any circumstances be considered as an advice or a request to buy or sell a product, service, or a recommendation by any of the service providers.
Www.ictravel.ge will not provide any such products or services to any person if in the view of www.ictravel.ge (without the Bank having an obligation to verify this) the provision of such services could be in violation of law or regulation in such person's home country jurisdiction or any other related jurisdiction.
You are strictly prohibited from unauthorised use of our systems or this Website, including but not limited to unauthorised entry into our systems, misuse of passwords, or misuse of any information posted to this Website.
You acknowledge that we may disclose and transfer any information that you provide through this Website to (i) any company affiliated with www.ictravel.ge, its agents or information providers; (ii) to any other person or entity with your consent; or (iii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as we deem necessary or appropriate, and by using and providing information through this Website you agree to such transfers.
Use of this Website may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording. You are responsible for being familiar with the current version of these User Terms posted on the Website during each session.

3. Limitation of liability

The information on this Website is for information purposes only. It is believed to be reliable. User accesses, uses, and relies upon such content at User's own risk. Please seek the advice of professionals as necessary regarding the evaluation of any content on this Website. Because of the possibility of the human and mechanical error, as well as other factors, the contents of this Website are provided on an "as is", "as available" basis. www.ictravel.ge, our affiliates and third parties disclaim all warranties and representations of any kind with regard to the Website, including any implied guarantees of, freedom from viruses or other harmful code, or fitness for a particular purpose. www.ictravel.ge, our affiliates and third parties will not be liable for any delay, difficulty in use, computer viruses, malicious code or other defect in this Website, any incompatibility between the Website and the user’s files and the user’s browser or other site accessing program, or any other problems experienced by the user due to causes beyond our control. www.ictravel.ge shall not be liable for any expenses, losses, damages (direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including but not limited to financial losses and lost profits) or lost opportunity arising in any way from the access to or use of or inability to use this Website or any portion thereof, regardless of whether we have been apprised of the likelihood of such damages occurring and regardless of the form of action, whether in contract, warranty, tort (including negligence), strict liability, or otherwise.

4. Copyright and trade marks

www.ictravel.ge or third parties, if expressly specified, retain the ownership, copyright © and all other immaterial rights of the site. All rights are reserved in all countries. The publication, reproduction, transfer or storage of the contents of the site in whole or in part is forbidden unless the holder of title, copyright, title or other immaterial right has granted permission for such an action. The prohibition does not apply to storage on a computer or printing for personal use only. The contents may be quoted according to the applicable copyright legislation. When the contents are quoted the source shall have to be indicated. The trademarks or logos included on the site may, however, not be reproduced, published or distributed without the previous written consent of the holder of the title.

Participants in discussion forums, chat rooms, debates and similar on the www.ictravel.ge Website must only submit materials to which they hold the copyright or materials where they have in some way obtained this right. A participant who submits materials is deemed, as and when the materials are submitted, to consent to www.ictravel.ge’s storing, disseminating and publishing the materials, electronically or otherwise.

5. Potential disruption of service

You shall be responsible for obtaining and maintaining all telephone, computer hardware, software, and other equipment needed to access and use this Website. Access to this Website may from time to time be unavailable, delayed, limited or slowed due to, among other things:

 hardware failure, including among other things, failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;
 software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;
 overload of system capacities;
 damage caused by severe weather, earthquakes, wars, insurrection, riots, terrorism, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;
 interruption (whether partial or total) of power supplies or other utility of service;
 strike or other stoppage (whether partial or total) of labour;
 governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or
 any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond our control.

If access to this Website is unavailable, delayed or limited, or if this Website does not operate quickly and efficiently, you may be unable to transmit your instructions for transactions and other matters, or such instructions may not be promptly executed or you may be unable to retrieve information on a timely basis. If your operations are dependent on such communications with us, and such communications are disrupted or delayed, you may suffer losses. www.ictravel.ge will not be liable for any such loss.

6. Links to other sites

Where www.ictravel.ge provides links to third party web sites, such links are not an endorsement by www.ictravel.ge of any products, services, opinions, ideas or information provided on or via such web sites. The use of such links is entirely at your own risk and www.ictravel.ge accepts no responsibility or liability for the content, use or availability of such web sites. If you choose to link to a website we do not control, we make no warranties, either express or implied, concerning your use of or inability to use such site, the content of such site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose, nor do we warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. We do not guarantee the authenticity of documents on the Internet. www.ictravel.ge has not verified the truth, accuracy, reasonability, reliability or completeness of any content of such web sites.

In addition, these third party websites may have a privacy policy or security practices different from this Website so it is important to read the policies of those sites before sharing your personal information.

7. Cookies

The www.ictravel.ge Website may contain cookies. A cookie is a small text file which is stored on your hard disk by the web site you visit. The text file contains information and is, among other things, used for supporting the visitor's use of the relevant website.

The other type of cookies, which is called session cookies, is only stored temporarily during the time you surf on a site. In order to use the www.ictravel.ge Internet service, you may have to submit to the use of session cookies. Session cookies may be used by www.ictravel.ge in order to enable you to carry out your banking transactions etc. and will disappear when you log off the www.ictravel.ge Website or close your browser.
If you will not accept cookies, you can change the security settings of your browser (Internet Explorer, Netscape etc). You can choose not to permit the use of persistent cookies without any impact on the functionality of the Website. Please note that if you do not accept session cookies, you may not be able to make your banking transactions etc. via www.ictravel.ge´s web site.

8. Limited disclosure statement for non-Georgian users

This Website and its User Terms shall be governed by and construed in accordance with the laws of Georgia regardless of whether you reside or transact business with www.ictravel.ge in Georgia or elsewhere. Any action against www.ictravel.ge and all disputes arising from or relating to our access and use of this Website and the provisions of these User Terms must be submitted by you to the exclusive jurisdiction of the courts of Georgia.

Subject to the nature and contents of investment advertisements and/or announcements that may be provided from time to time on this Website, you may need to obtain additional advice or recommendations from legal, tax or investment consultants.

9. Applicable law and jurisdiction

This Website and its User Terms shall be governed by and construed in accordance with the laws of Georgia regardless of whether you reside or transact business with Insurance Company IC Group llc in Georgia or elsewhere. Any action against Insurance Company IC Group llc and all disputes arising from or relating to our access and use of this Website and the provisions of these User Terms must be submitted by you to the exclusive jurisdiction of the courts of Georgia.

You consent to the jurisdiction and venue of courts located within Georgia, for the adjudication of all claims by www.ictravel.ge against you arising from or relating to your access to and use of the Website and the provisions of these User Terms.
This Website is not directed to, nor intended for distribution or use by, any person or entity in any jurisdiction or country where the publication or availability of this Website or such distribution or use would be contrary to local law or regulation. If you choose to access information on this Website, it is your responsibility to comply with the applicable local, national or international laws and any use of this Website in such jurisdictions is entirely at your own risk. For guidance relating to your specific situation, please contact your legal adviser.

In the event any of the terms or provisions of these User Terms shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These User Terms shall be subject to any other agreements you have entered into with www.ictravel.ge. We reserve the right, in our sole discretion, to change the terms and conditions of these User Terms at any time and without prior notice