1. Introduction
 

These Terms and Conditions (“Terms”) govern your use of the Capernaum Reinsurance Brokers (Lda) website and its associated services.

By accessing our website, you agree to comply with and be bound by these Terms.
 

2. Definitions
 

• “Website” means https://capernaumre.com

• “User” means any individual or entity accessing the website

• “Content” includes all text, graphics, documents, images, code, and materials hosted on the website

3. Acceptable Use
 

Users agree not to:
 

• Engage in unlawful or fraudulent activities

• Interfere with website functionality

• Attempt to gain unauthorised access to systems or data

• Upload harmful code, malware, or disruptive material

4. Professional & Operational Disclaimer
 

Information provided on the website is general in nature and does not constitute professional advice, reinsurance placement recommendations, or legally binding commitments.
 

Capernaum does not guarantee the completeness, accuracy, or timeliness of any website content.
 

5. Intellectual Property Rights
 

All intellectual property and proprietary materials on the website remain the exclusive property of Capernaum or its licensors.

Users may not copy, reproduce, republish, or distribute any content without written authorisation.
 

6. Limitation of Liability
 

To the maximum extent permitted under Mozambican law:
 

• Capernaum is not liable for indirect, incidental, or consequential losses

• No warranties—express or implied - are made regarding website availability or performance

• Users access the website at their own risk

7. External Links
 

Our website may contain external links solely for convenience.

Capernaum assumes no responsibility for the content or practices of third-party sites.
 

8. Privacy & Cookies
 

Your use of the website is governed by:
 

• Privacy Policy

• Cookie Policy
   

Both documents form an integral part of these Terms.
 

9. Changes to the Website and Terms
 

We reserve the right to update the website, modify content, or revise these Terms at any time without prior notice.

Continued use of the website constitutes acceptance of the updated Terms.
 

10. Governing Law & Jurisdiction
 

These Terms are governed by the laws of the Republic of Mozambique.

Any dispute arising from these Terms will be resolved by Mozambican courts with appropriate jurisdiction.
 

11. Contact
 

For queries regarding these Terms, please contact:

Email: info@capernaumre.com
Company: Capernaum Reinsurance Brokers (Lda)