WHO ARE WE?

In these Terms and Conditions, “we”, “us” or “our” refers to MeilleurTaux.com, a trading name of MeilleurTaux Ltd (hereinafter referred to as the “Company”) a company registered in the Republic of Mauritius, bearing Business Registration Number C13113825 and having its legal seat situate at Chemin 20 Pieds, Grand Baie, Mauritius.

1. Definition

“third party service provider” means the, supplier, distributor or provider of any service that is available on our Portal.

“Portal” means any mobile applications or similar devices, channels or applications operated by or on behalf of MeilleurTaux.com

“you” and “your” means the person who accesses and uses our Portal.

2. Acceptance of the Terms and Conditions

If you access and use our Portal you agree to be bound by and act in accordance with these Terms and Conditions and our Privacy Policy and you are providing the Company with your consent for the processing of your personal information as defined in the Security & Privacy Policy. These terms and conditions are important and are for the protection of both MeilleurTaux and yourself. By proceeding further as indicated you will be deemed to have accepted them.

If you do not, or cannot, agree to these Terms and Conditions or our Privacy Policy or other Polices, you are not permitted to access and use the Portal and you should immediately stop using or accessing the content. If you are in breach of these Terms and Conditions, your right to access and use the Portal will cease immediately

The site and the content within the site are our property and are protected by Mauritian copyright laws and international treaty provisions. The compilation, organization and display of the content as well as all software and inventions used on and in connection with this site are our exclusive property.

3. Our Services and Purpose of the Portal

MeilleurTaux.com is a Portal (hereinafter referred to as the “Portal”), which aims at making it easy for you to obtain proposals, estimates and/or quotes, directly in your mailbox, from financial service providers and other institutions, such as insurance, banks, money changer----etc, so as you may be able to make a considered decision. proposals, estimates and/or quotes directly in their mailbox, without any interference of whatsoever nature of the offer received by you from the third-party service-provider.

Any and all information and content made available through the Portal is provided solely as a convenience to you for general informational purposes only and are not intended to provide specific commercial, financial, investment, accounting information. The Portal and its content is provided to you solely for your own personal, non-commercial use and not for purposes of resale, distribution, public display or performance, or any other uses by you in any form or manner whatsoever.

MeilleurTaux, is not and cannot, by any stretch of imagination be considered as:

a. An insurance comparison website. MeilleurTaux does not compare proposals, estimates and/or quotes which you are to receive directly in your mailbox by the third-party service-providers and to which communication, MeilleurTaux is not privy;

b. an insurance agent. MeilleurTaux does not act on behalf of insurer in the initiation of insurance business. Meilleur Taux does not receive any proposals which the third-party service-providers make, nor does it issue policies or collect premiums or settle claims;

c. an insurance broker. MeilleurTaux does not arrange insurance business with insurers on behalf of prospective policyholders nor does it represent a policyholder;

d. an insurance salesperson. It does not solicit proposals for and at no point in time shall it negotiate insurance on behalf and with the authority of an insurer or an insurance agent;

e. a foreign exchange dealer. MeilleurTaux does not buy and sell foreign currency, including spot and forward exchange transactions and wholesale money market dealings;

f. a cash dealer. Meilleur Taux does not carry on the business of foreign exchange dealer or money-changer;

g. a bank. MeillleurTaux does not carry out banking business.

Information on this Portal is provided for information purposes only. It is not an invitation to make an investment nor does it constitute an offer for sale of services offered by third-party service providers.

This Portal offers links to other sites only as a convenience. We do not control the linked sites and are not responsible for their contents or any changes or updates to such sites. We are not responsible for webcasting or any other form of transmission received from any linked site. Please note that we reserve the right to refuse access to our web site from third party web sites via hyperlinks.

4. Disclaimer

The information and materials contained in or accessed through this Portal are provided on an "as is" and "as available" basis and are of a general nature with respect to the third-party service-provider.

Any proposal, quote and/or estimate sent to you directly by the third-party service-provider, is made without the interference and/or concurrence MeilleurTaux and the latter is not privy to these communications. Consequently, you acknowledge and agree that such proposals, quotes and/or estimates have not been verified, considered or assessed by MeilleurTaux in relation to the making of any specific insurance policy, investment, business, financial or commercial decision or otherwise.

MeilleurTaux recommends you to seek professional advice at all times and obtain independent verification of the information and materials contained herein before making any decision based on any such information or materials.

Neither MeilleurTaux nor any of its directors, shareholders, agents, consultants, representatives, officers or employees shall be liable to you or to any person claiming through you for any loss or damages of any nature suffered including but not limited to loss of revenues or anticipated savings, loss of profits, goodwill or any type of financial, punitive or exemplary, indirect or direct, consequential, special or similar loss or damages howsoever arising whether in contract, tort or otherwise and incurred and arising as a result of use of or inability to use this Portal, including without limitation, as a result of:-
a. any inaccuracy, incompleteness or any delay, interruption, error or omission in the delivery of any contents of this Portal;
b. any decision made or action taken in reliance on any contents of this Portal or proposal, quote and/or estimate received by third-party service provider ;
c. the loss of use, data or profits arising out of or in connection with the access, use, performance or functionality of this Portal or any of its contents; and/or
d. internet communications in connection with the use of this Portal, and any content or Portals linked from this Portal

Your attention is drawn to the fact that information transmitted via the Internet may be susceptible to monitoring and interception. You will bear all risk of transmitting information in this manner. We shall not be liable for any loss, harm or damage suffered by you as a result of transmitting information to us. We reserve the right to request independent verification of any information transmitted via e-mail. Please be aware that any unsolicited confidential or proprietary information sent to us via the Internet cannot be guaranteed to remain confidential.

5. Duties and Responsibilities of Users of the Portal

In order to get a proposal, quote and/or estimate from one of our third-party service-providers, you will need to answer a number of questions on our site needed by all the different service providers and any intermediaries they may use. The answers you give will determine the services available to you and amount you will pay directly to them. You must get permission from any other people whose details you propose to use in requesting a quote, before you provide us with any of their information. This applies to all information that you provide, but especially sensitive data like health information or criminal proceedings or convictions. In submitting any other person's details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.

You are solely responsible to ensure that you answer all questions honestly and that all information you enter onto MeilleurTaux’s Portal or otherwise communicated to us, is true, accurate and complete. If you do not do this, it could lead to your selected product later increasing in price, becoming invalid or claims not being paid. You specifically agree and acknowledge that MeilleurTaux shall not be held responsible in the occurrence of such events.

MeilleurTaux works with a large number of third-party service-providers and you agree and acknowledge that it is important that you read such provider’s terms and conditions, and that you agree with them before purchasing your product or service as MeilleurTaux is not privy to what they offer to you and their terms and conditions will differ to ours. Once you have purchased a product and/or service, it is important that you check that your details match those you provided to us. You should also read all documents issued to you by your selected third-party service-provider and ensure that you are aware of any levels of cover, financial limits and any other terms that apply. If any information is not correct, you agree and acknowledge that it shall be your responsibility to identify the mistake and correct this with the third-party service provider directly.

6. Quality-Control

By requesting for proposal, quote and/or estimate from one of our third-party service -providers, you accept and acknowledge that MeilleurTaux through its agents, employees, may call you on the phone number you provided, in order to ensure a proper quality control. You agree, understand and accept that such a process is necessary to ensure quality control and support related purposes and are dealt with only in accordance with the terms of the Privacy Policy.

7. Non-responsiveness of third-party service providers

Whilst MeilleurTaux made all reasonable efforts to ensure that the third-party service-providers respond to your queries within the best delays, MeilleurTaux shall not be liable for the non-responsiveness of third-party service-providers or any proposal, quote and/or estimate third-party service-providers send to you.

8. Inaccuracies of information and others.

MeilleurTaux does not provide or make any warranties, undertakings or representations as to the completeness, accuracy or reliability, availability, performance or functionality of this Portal or any of its contents, despite having made all reasonable efforts to ensure that the information in the Portal is accurate at the time of the inclusion. We neither accept nor assume any responsibility to you in relation to the contents of this Portal and we exclude all warranties, undertakings and representations (either express or implied) to the fullest extent permitted under applicable law.

MeilleurTaux does not guarantee that this site will operate free of error or defect or that it is free from computer viruses or any other contaminating computer program. Access to and use of this Portal is at the user’s own risk and we do not represent or warrant that the use of this Portal or any material downloaded from it will not cause damage to property, including but not limited to loss of data, computer virus infection, spyware, malicious software, Trojans or worms.

MeilleurTaux shall not be liable for any loss or damage whatsoever with regard to customer data or other data directly or indirectly caused by malfunction of our system, third party systems, unlawful access to or theft of data, computer virus or destructive code on our system or third party systems such as telecommunication service providers, electricity suppliers, internet service providers or any event over which we have no control.

9. Amendment

The information in this Portal may be updated or altered at any time without notification and may at times be out of date. All of the contents of this Portal, including these terms and conditions, are subject to change by MeilleurTaux without notice. We accept no responsibility for keeping the information in this Portal up to date or liability for any failure to do so. MeilleurTaux may change the technical specifications of this Portal or any portion thereof or suspend the availability or change the system resource applicable to your use of this Portal or any portion thereof.

By using and acceding to this Portal, You acknowledge and agree that MeilleurTaux reserves the right, in its sole discretion and at any time, to modify, change, add to, terminate, or discontinue (with respect to an individual user or all users) any service offered and/or possibility to obtain proposals, quotes and/or estimates from third-party service-providers, with or without notice to you, and you specifically understand, agree and acknowledge that MeilleurTaux shall not be responsible or liable, directly or indirectly, to you or any other person in any way for any loss or damage of any kind incurred as a result of, or in connection with, any such modification or discontinuance.

10. Confidentiality and Transmissions over the Internet

Information transmitted via the internet may be susceptible to third party access and interception. You will bear all risk of transmitting information in this manner. MeilleurTaux will not be liable for any loss, harm or damage suffered by you as a result of transmitting information to us.

Messages sent by e-mail, by us or by third-party service-provider over the internet may not be secure and can be intercepted by third parties or incorrectly delivered or corrupted. We are not responsible for the accuracy or reliability of messages sent or received by e-mail over the internet in connection with this Portal. MeilleurTaux does not assume any liability for any damage you may experience or costs you may incur as a result of any transmissions over the internet or other publicly accessible networks, including without limitation transmissions involving the exchange of e-mail with MeilleurTaux containing your personal information.You should not divulge personal information over the internet unless you are using a secure or encrypted communications technology.

While MeilleurTaux shall take commercially reasonable efforts to safeguard the privacy of the information you provide to MeilleurTaux and shall treat such information in accordance with MeilleurTaux 's Privacy Policy, in no event will the information you provide to MeilleurTaux be deemed to be confidential, create any fiduciary obligations to you on MeilleurTaux’s part, or result in any liability to you on MeilleurTaux's part in the event that such information is inadvertently released by MeilleurTaux or accessed by third parties without MeilleurTaux's consent.

11. Intellectual Property

Our service marks, trademarks and other marks indicated on this site are our trademarks. Other marks, graphics, logos, page headers, button icons, scripts noted on the site are our sole and exclusive property. These marks and trademarks may not be used in any manner that is likely to cause confusion among customers, in any manner that disparages or discredits us and/or in connection with any service or product that is not sponsored, endorsed or produced by us. All other trademarks that are not owned by us and that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by us.

You may not use this Portal to engage in activities which infringe the intellectual property or other rights of the MeilleurTaux and/or the third-party service-provider or in such a way so to compromise the privacy of others, to impersonate another person or for purposes which are immoral, illegal or destroy the integrity of any data or other computer-based information or which would violate local, state or national laws of any country.

Copyright in the Portal and the information set out on it belongs to MeilleurTaux and may not be copied, transmitted or reproduced without MeilleurTaux’s prior consent.

Save where otherwise appearing, the intellectual property rights and all other rights relating to the content (including without limitation, information, graphics, software, text, sounds, images, trademarks, service marks, trade names and logos) of this Portal belong to the MeilleurTaux. MeilleurTaux retains all rights, title, interest and intellectual property rights in the content of this Portal. Use of the content of this Portal is restricted to personal use by you. Any storing, reprocessing, reutilizing, reproduction, distribution, dissemination or transmission of all or part of the content of this Portal is prohibited except where expressly permitted by Meilleur Taux.

12. Remedies of Meilleur Taux

MeilleurTaux reserves the right to seek all remedies available at law and in equity for violations, or for suspected violations, of these Terms and Conditions of Use, including but not limited to the right to block access from a particular IP address to its services and their features.

13. Hold Harmless of MeilleurTaux by User

You agree to indemnify, defend, and hold MeilleurTaux and MeilleurTaux 's affiliates, business partners, officers, directors, employees, shareholders and agents, harmless from any loss, liability, claim, action, suit, demand, damage, or expense (including reasonable legal fees, costs of investigation and court costs) asserted by you or any third-party relating in any way to, or in respect of, your use of this Portal, or proposal, quote and/or estimates which you have received from the use of this Portal, and to which MeilleurTaux is not privy, or breach of these Terms and Conditions.

14. Third Party Web Sites, Content and Products and Services

You acknowledge and agree that your correspondence and business dealings with any third-party service-provider, including without being limited to insurance companies, banking institutions or money-changer company, found on or accessed through this Portal, including payment for and delivery of any related goods and services, and all other terms, conditions, representations, and warranties related to such dealings, are solely as between you and such third parties. You understand and acknowledge that the services offered by third-parties service-providers, from whom you have requested for a proposal, quote and/or estimate through this Portal are provided by those third-party service-providers and may make use of the MeilleurTaux name, logo and/or other identifying marks of MeilleurTaux, and that in certain instances, MeilleurTaux may receive referral fees and/or other compensation from third-party service-providers on a per use or other basis based on your purchase or use of third party service-providers goods or services found on or accessed through the Portal. YOU ACKNOWLEDGE THAT IN SUCH DEALINGS WITH THIRD PARTIES, MEILLEURTAUX IS NOT THE SELLER OR PROVIDER AND YOUR AGREEMENT OF PURCHASE OR FOR SERVICES WITH SUCH THIRD PARTY IS SOLELY BETWEEN YOU AND THE THIRD PARTY, AND NOT MEILLEURTAUX. MEILLEURTAUX ASSUMES NO RESPONSIBILITY WHATSOEVER FOR ANY CHARGES, LOSSES OR LIABILITIES YOU, OR ANY USER OF YOUR ACCOUNT, INCURS WHEN MAKING PURCHASES, DEALING WITH OR COMPLETING TRANSACTIONS WITH SUCH THIRD PARTIES. By accessing and using third party services through the Portal, you hereby authorize such third party service providers to provide MeilleurTaux with personal information regarding your use of and your activities with respect to the purchase and use of third party services and/or goods. By accessing and using third party services through the Portal, you hereby authorize MeilleurTaux to provide such third-party service-providers with your personal information as entered by you, in order to get a proposal, quote and/or estimate.

As MeilleurTaux has no control or responsibility over, and does not investigate, monitor, or check for accuracy of third-party web sites or information and/or content maintained by other organizations, or for products and services offered by third-parties, or products and services proposed to you by third-parties service-provider directly to your email or otherwise and MeilleurTaux does not assume any liability for your use of any of the foregoing. If you decide to exit the Portal and access third party web sites, you acknowledge and agree that you do so at your own risk and you should be aware that these Terms and Conditions of Use no longer govern any transaction you may conclude with third-parties.

15. General

These Terms and Conditions of Use incorporate by reference all notices and disclaimers contained in the Portal, including but not limited to the Privacy Policy and, constitute the entire agreement between you and MeilleurTaux with respect to access to, and use of, the Portal. Except as specifically set forth herein, these Terms of and Conditions Use supersede any prior agreements, including prior oral and/or written statements or representations not contained herein, between you and MeilleurTaux relating to the Portal or services provided. This agreement is not intended to create a partnership, joint venture, employment or agency relationship between you and MeilleurTaux.

If any provision of these Terms and Conditions of Use is invalid, illegal or unenforceable in any respect under any applicable statute or rule of law, the provision shall be deemed omitted to the extent that it is invalid, illegal or unenforceable. In such a case, the remaining provisions of these Terms and Conditions of Use shall be construed in a manner as to give greatest effect to the original intention of the parties hereto. MeilleurTaux's failure to insist upon, or enforce, strict performance of any right or provision of these Terms and Conditions of Us shall not constitute or be construed or deemed to be a waiver of such right or provision in the future or a waiver of any other right or provision under these Terms of Use.

You agree that these Terms and Conditions of Us, MeilleurTaux's Privacy Policy and other notices posted through the Portal have been drawn up in English. Although translations in other languages of any of the foregoing documents may be available, such translations may not be up to date or complete. Accordingly, you agree that in the event of any conflict between the English language version of the foregoing documents and any other translations thereto, the English language version of such documents shall govern.

These Terms of Use shall be governed by and construed in accordance with the laws of the Republic of Mauritius applicable therein, without regard to conflict of laws provisions thereto. All rights and remedies, whether conferred by this agreement, by any other instrument or by law, shall be cumulative, and may be exercised singly or concurrently. The parties hereby irrevocably attorn to the exclusive jurisdiction of the courts of the Republic of Mauritius.

16. HYPERLINKS

You acknowledge and understand that, solely for ease of reference and access MeilleurTaux may include hyperlinks to other portals on the internet that are owned or operated by our third-party service-providers. Such linked portals are not under the control of the MeilleurTaux and MeilleurTaux cannot accept responsibility for the contents of or the consequences of accessing any linked portal or any link contained in a linked portal. Furthermore, the hyperlinks provided on this Portal shall not be considered or construed as an endorsement or verification of such linked portals or the contents therein by MeilleurTaux. You agree that your access to and/or use of such linked portals is entirely at your own risk and subject to the terms and conditions of access and/or use contained therein.

Hypertext links or pointers to third-party service-providers web sites and references to products and services offered by the, are provided to you for convenience only and do not constitute an endorsement or approval by MeilleurTaux of:
i. the organizations that operate such web sites;
ii. the information, content, privacy policies or other terms of use on such web sites, or;
iii. such third party products and services.
No third party is permitted to link any other portal to this Portal without obtaining our prior written consent.