Privacy and Legal Notices

1. General Information

This website (“Site”) is operated by Penmed Actuarial Consultants Ltd., a provider of pension, medical insurance, and actuarial services. By accessing or using this Site, you agree to be bound by these Legal Notices, our Privacy Policy, and any applicable laws and regulations.

2. No Professional Advice

The information provided on this Site is for general informational purposes only. Nothing on this Site should be construed as legal, financial, actuarial, or medical advice. You should consult with qualified professionals before making decisions regarding pensions, insurance, or healthcare.

3. Accuracy of Information

While we strive to keep the content on this Site accurate and up-to-date, Penmed Actuarial Consultants Ltd. makes no representations or warranties of any kind regarding the accuracy, completeness, or reliability of any information provided.

4. Limitation of Liability

To the fullest extent permitted by law:

Penmed is not liable for any direct, indirect, incidental, or consequential damages arising from your use of this Site or reliance on its content.
This includes, but is not limited to, loss of profits, business interruption, or data loss.

5. Regulatory Compliance

Our services are provided in accordance with applicable laws and regulations, including:

United States: Americans with Disabilities Act (ADA), Health Insurance Portability and Accountability Act (HIPAA, where applicable), and other federal and state laws.
Nigeria: Discrimination Against Persons with Disabilities (Prohibition) Act, 2018, the Nigerian Data Protection Regulation (NDPR), and other relevant legislation.

6. Intellectual Property

All text, graphics, logos, trademarks, and other materials displayed on this Site are the property of [Your Company Name] or licensed third parties. Unauthorized use, reproduction, or distribution is strictly prohibited.

7. Third-Party Links

This Site may contain links to external websites. [Your Company Name] is not responsible for the content, security, or accessibility of third-party sites, and inclusion of such links does not imply endorsement.

8. Governing Law

These Legal Notices shall be governed by and construed in accordance with:

The laws of the United States, for services provided in the U.S.
The laws of the Federal Republic of Nigeria, for services provided in Nigeria.

Disputes shall be subject to the exclusive jurisdiction of the courts in the relevant jurisdiction where services are provided.

9. Changes to Legal Notices

We reserve the right to update or modify these Legal Notices at any time. Any changes will be effective immediately upon posting on this Site.

10. Contact Information

For questions regarding these Legal Notices, please contact us:

Email: info@penmed.org