Terms of Use

This Agreement is made between COLFIRE and the User of the COLFIRE Website (“the Website”).


The User includes any person, customer, potential customer, policy holder, persons having legal title to the policy, any person authorized to transact the business on behalf of the Customer.

Use of this Website

The Website may contain bulletin board services, chat rooms, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable The User to communicate with the public at large or with a group (collectively, "Communication Services").

The User agrees that the Communication Services shall only be used to post, send and receive messages and material that are proper and related to the particular Communication Service. The Communication services offered on the Website shall not be used to defame, abuse, harass, stalk, threaten or violate the rights of others. No defamatory, obscene or indecent material shall be posted, published or disseminated. The User shall not advertise any products, goods or services, or upload viruses or corrupted files. There shall be no attempt by a User at restricting another User from the use of the Website. The Website shall not be used to violate any Laws or regulations in Trinidad and Tobago.

COLFIRE shall not be liable for any of the content of any such communications whether or not arising under the laws of copyright, libel, privacy, obscenity, or otherwise. COLFIRE may remove messages that include any material deemed abusive, defamatory, obscene or otherwise unacceptable and shall not be held liable for any information posted by the User which may be personally identifiable about them and their families.

Links to other Websites

COLFIRE may change the terms, conditions and notices under which the Website is offered by updating this posting. It is recommended that the User visit this page from time to time to review the then current Terms, because they are binding on him.

Modification of Terms of Use

The Website may contain links to other websites (“Linked Sites”). These linked Sites are not under the control of COLFIRE and COLFIRE shall not be responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. These Linked Websites on the COLFIRE Website are provided solely as a convenience to the User.

COLFIRE does not endorse or make any representations about the Linked Sites, or any information, software or other products or materials found there, or any results that may be obtained from using them. The User may access any of the Linked Sites at his own risk.

Limitation of Liability

The information, software, products and services available through the Website may include inaccuracies or typographical errors. Advice received through the Website should not be relied upon for person, medical, legal or financial decisions and you should consult an appropriate professional for such advice.

COLFIRE makes no representations about the suitability, reliability, availability, timeliness and accuracy of the information, software, products, services and related graphics contained on the Website.

To the maximum extent permitted by the Law, all such information, software, products, services and related graphics are provided “as is” without warranty or condition of any kind.

COLFIRE disclaims all warranties and conditions with regard to this information, software, products, services and related graphics including all implied warranties or conditions of merchantability, fitness for a particular purpose, title and non-infringement.

COLFIRE shall not be liable for any type of damage, of any nature without limitation, damages for loss of use, data or profits arising out of or in any way connected with the use or performance of the Website, or damage ensuing from delay or inability to use the Website or related services or the failure to provide services and related graphics obtained through the Website.  

COLFIRE shall not be responsible where the use of the Website results in the need for repair or correction of equipment or data.

If the User is dissatisfied with any portion of the Website or with any of these terms of use, his exclusive remedy is to discontinue using the Website.

Liability Disclaimer

No joint venture, partnership, employment, or agency relationship exists between the User and COLFIRE as a result of this Agreement or use of the Website. COLFIRE's performance of this Agreement is subject to existing laws and nothing contained in this Agreement is in derogation of COLFIRE's right to comply with governmental, court and law enforcement requests or requirements relating to the use of the Website or information provided to or gathered by COLFIRE with respect to such use.

Termination of Access/ Restriction of Access to Website

COLFIRE may terminate access to the Website and the related services or any portion thereof at any time, without notice.

Copyright and Trademark Notice

All contents of the Website are: COPYRIGHT 2010 by COLFIRE Trinidad and Tobago and/or its suppliers. All rights reserved.


The names of actual companies and products herein mentioned may be the trademarks of their respective owners. Example companies and organizations, products and people depicted herein are fictitious. No association with any real company, organization, product, person or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.


If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable Law then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.


Any dispute arising out of or in relation to this Agreement may be referred to the Financial Services Ombudsman in the event that previous negotiations between the User and COLFIRE have proven futile.

Refund Policy
Should you be desirous of requesting a refund, you are asked to kindly direct your request for a refund to any COLFIRE Branch for processing.

Should you be desirous of cancelling your Policy of Insurance, you are asked to kindly direct your request to any COLFIRE Branch. Please note that in the event of cancellation of your Policy of Insurance, you will be entitled to a refund of premiums on a pro rata basis for the unexpired period of cover.


This Agreement is governed by the Laws of the Republic of Trinidad and Tobago.


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