1. GENERAL INFORMATION ONLY

All information provided on our website, forms, brochures, or through direct communication (email, phone, or face-to-face) is for general informational purposes only. It does not constitute financial, legal, or professional advice. While we strive to ensure the information is accurate and up-to-date, we do not guarantee the completeness, reliability, or suitability of any content for your specific situation.

2. NO GUARANTEE OF COVER OR CLAIM OUTCOMES

Valtex Insurance Brokers Ltd. is an independent insurance intermediary, not an insurance underwriter. We do not guarantee that:

• You will be granted insurance cover

• A specific claim will be approved

• Any insurer will accept or honor a quote, benefit, or payout

All underwriting decisions, claim approvals, benefit determinations, and premium rates are made solely by licensed insurers.

3. THIRD-PARTY RELATIONSHIPS

Our services may involve collaboration with third-party insurance companies, consultants, or service providers. Valtex is not responsible for the accuracy, reliability, or actions of any third party. Any engagement with a third-party provider is at your own risk, and you are advised to read the respective terms, conditions, and policy documents before acceptance.

4. DIGITAL COMMUNICATION & SECURITY

While we take reasonable measures to secure communication via our website, email, and WhatsApp, we cannot guarantee absolute security. By interacting with us online, you acknowledge the risks of electronic communication and agree that Valtex shall not be held liable for:

• Data loss or corruption

• Unauthorized access

• Downtime or delays caused by cyber incidents, outages, or technical issues

5. PERSONAL RESPONSIBILITY

It is your responsibility to:

• Provide accurate and complete information when requesting quotes or filing claims

• Read and understand policy terms and exclusions from your insurer

• Disclose any material facts that could affect underwriting decisions

• Keep your documents, policy references, and login credentials secure

Failure to do so may result in invalidated policies or claim denials—for which Valtex cannot be held responsible.

6. CHANGES WITHOUT NOTICE

Valtex Insurance Brokers Ltd. reserves the right to update, modify, or remove any part of its services, website content, or documentation without prior notice. We also reserve the right to correct errors or inaccuracies at any time.

7. GOVERNING LAW

This Disclaimer is governed by the Laws of Zambia, including but not limited to:

• The Cyber Security Act No. 3 of 2025

• The Cyber Crimes Act No. 4 of 2025

• The Insurance Act and all applicable financial services regulations

• The Zambian Constitution and Bill of Rights

Any disputes arising from this disclaimer shall be resolved in the Zambian courts.

8. CONTACT US

For questions, complaints, or to report suspicious activity:

Valtex Insurance Brokers Ltd.

📍 Stand No. 11 Ash Road, Near Maina Soko Military Hospital, Lusaka, Zambia

📧 info@valtexinsurance.co.zm

📞 +260 977 308 150