These Terms govern your use of the EQI Caribbean platform. Please read them before you create an account or submit a request. By creating an account you confirm that you have read, understood and agreed to them. If you do not agree, please do not use the platform.
The EQI Caribbean platform is operated by Project 3 Consultants and Logistics Inc., a company incorporated in Barbados under Company Registration No. 52770, trading as EQI Caribbean (Technology) ("EQI Caribbean", "we", "us", "our", "the Operator"). Our registered office is #42 Durette Gardens, Gemswick, St Philip, Barbados.
EQI Caribbean is a technology platform only. We are not an insurer, an insurance broker, a lender, a credit provider, a financial adviser or any form of financial intermediary. We do not issue policies, bind coverage, assess risk, make credit decisions, approve or decline applications, or handle premiums, repayments or deposits. No payment is made on this platform at any stage.
These Terms apply to the platform at my.eqicaribbean.com and all related subdomains (the "Platform"), and to both routes available through it.
You hold a single EQI Caribbean account. From it you may take either route:
You may use one route or both. The same Terms apply to each.
To use the Platform as a Consumer you must:
The Platform operates in the following ten territories:
| Territory | Territory |
|---|---|
| Barbados | Grenada |
| Trinidad and Tobago | Saint Vincent and the Grenadines |
| Jamaica | Antigua and Barbuda |
| Guyana | Saint Kitts and Nevis |
| Saint Lucia | Dominica |
Not every territory is open at all times. Territories are activated progressively as licensed Providers join. The territories currently open are shown when you register.
Providers must in addition hold all licences, registrations and approvals required by the relevant regulatory authority in each territory in which they operate. Provider access is governed additionally by the Provider Agreement.
When you register you agree to:
Multi-factor authentication is required on every sign-in. You must not attempt to disable or work around it. We may suspend or close any Account we reasonably believe has been compromised or is being used in breach of these Terms.
You complete a structured Request giving accurate risk or application information, and you select which licensed Providers in your territory may receive it. Before your Request is submitted you are asked to give your explicit consent to your information being shared with those Providers. Nothing is sent until you give it.
Some Requests name another individual, for example an additional driver or a joint insured. Where yours does, you confirm that each such person is aware their details are being submitted and shared with the Providers you select, and has given you their permission. You must not name a person without their permission.
Providers have two business days from submission to reply with an Indicative Response. Weekends do not count toward this period: the window pauses over Saturday and Sunday and resumes on the next business day. The time remaining is shown on your Request. When the window closes, no further responses can be submitted. A Provider is under no obligation to respond, and it is possible to receive no responses at all.
You may review every Indicative Response you receive and accept any one of them, or none. Accepting notifies that Provider that you have chosen them, and they will contact you directly to take matters forward. Everything after that point, including formal application, underwriting, documentation, terms and payment, is between you and the Provider directly.
Each Indicative Response carries a validity date set by the Provider, which is at least 14 days from the date you submitted your Request. You may accept a Response at any time while it remains valid, even after the Response Window in clause 6.3 has closed. A Provider may offer a longer validity period but never a shorter one. Once every Response you have received has passed its validity date, no Response on that Request can be accepted.
Responses are sealed. No Provider can see the pricing or terms submitted by any other Provider. We do not rank, score, weight, promote or endorse any response over another, and responses are presented to you in a neutral format. We receive no commission and no per-response fee, so we have no financial interest in which Provider you choose.
You agree to:
Inaccurate or incomplete information will produce responses that do not reflect your actual circumstances. A Provider may decline to proceed, or may later void an agreement, on that basis. That is a matter between you and the Provider.
Providers using the Platform agree to:
Where a Broker submits a Request on behalf of a client who approached them directly, the Broker confirms that they hold that client's permission to do so and that the client has been told how their information will be used.
Provider access is governed additionally by the Provider Agreement. If these Terms and the Provider Agreement conflict, the Provider Agreement prevails in respect of the commercial relationship.
You must not use the Platform to:
We may suspend or close any Account in breach of this clause without notice.
We process your personal information in accordance with our Privacy Policy and our Data Protection Notice, both of which form part of these Terms. Please read them. They set out precisely what each Provider can see, when, and what rights you have.
We are committed to compliance with the Barbados Data Protection Act 2019-29 and with applicable data protection law in every territory in which we operate. We never sell, rent or trade your personal information.
All software, design, systems, content and documentation on the Platform belong to Project 3 Consultants and Logistics Inc. or its licensors, and are protected by applicable intellectual property law. You may not reproduce, distribute, modify or create derivative works from any of it without our prior written permission.
You keep ownership of the information you submit. By submitting it you give us a limited licence to use it to operate the Platform and deliver the service you have asked for.
Nothing on the Platform is insurance advice, credit advice, financial advice or a recommendation to buy any product. We do not assess suitability. You should take independent professional advice before making any insurance or borrowing decision.
We aim to keep the Platform available at all times but do not guarantee uninterrupted access. We may suspend it for maintenance, updates or reasons beyond our control.
We are not responsible for the accuracy of any Indicative Response, for any act or omission of any Provider, or for any decision a Provider makes. Any dispute about cover, premiums, rates, claims, credit terms or a Provider's conduct is a matter between you and that Provider.
To the fullest extent permitted by law, our total liability to you in connection with the Platform, whether in contract, tort or otherwise, shall not exceed the greater of the fees you have paid us in the twelve months before the claim, or BDS $500. We are not liable for any indirect, consequential or special loss. Nothing in these Terms limits liability for fraud, or for death or personal injury caused by our negligence.
The Platform is free for Consumers, so for a Consumer this limit is BDS $500.
We may suspend or close your Account and access to the Platform if:
You may close your Account at any time by contacting support@eqicaribbean.com. Closing your Account does not release any obligation you already owe us. What happens to your information on closure is set out in the Privacy Policy.
We may update these Terms from time to time. Where a change is material we will email registered users at least 14 days before it takes effect. Continuing to use the Platform after that date means you accept the updated Terms. The current version is always available at my.eqicaribbean.com/terms/.
These Terms are governed by the laws of Barbados. Any dispute that cannot be resolved informally is subject to the exclusive jurisdiction of the courts of Barbados.
To raise a concern, please contact us first at support@eqicaribbean.com. We aim to acknowledge every complaint within two business days and to resolve it within 14 days.
If any provision of these Terms is found unenforceable, it will be modified to the minimum extent needed to make it enforceable and the rest will continue in full force. A failure by either party to exercise a right does not waive it. These Terms, together with the Privacy Policy, the Data Protection Notice and, for Providers, the Provider Agreement, form the entire agreement between us about your use of the Platform.
| Purpose | Contact |
|---|---|
| General enquiries | info@eqicaribbean.com |
| Platform support | support@eqicaribbean.com |
| Legal, compliance and data protection | legal@eqicaribbean.com |
| Billing, Providers only | billing@eqicaribbean.com |
Project 3 Consultants and Logistics Inc., trading as EQI Caribbean (Technology). Registered office: #42 Durette Gardens, Gemswick, St Philip, Barbados. Company Registration No. 52770.