These Terms govern your use of the EQI Caribbean platform. Please read them before you create an account or send an enquiry. 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, which carries on business under the registered business name 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 tool that insurers, brokers and lenders choose to use, within their own business, to communicate directly with their customers. Each provider decides for itself whether to use the platform and how. EQI Caribbean does not direct, encourage or require any provider or customer to use it, and takes no part in any provider's dealings with its customers. It does not recommend, rank or promote any provider or product, does not give advice, and receives nothing from any provider because of any enquiry, response or customer's choice. No payment of any kind is made through the platform. Every response comes directly from the provider and remains subject to the provider's own terms, assessment and regulatory obligations.
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 any request for cover or credit, or handle premiums, repayments or deposits.
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.
EQI Caribbean decides, for each territory and for each route, whether the Platform is open to the public. The way it operates in your territory is shown on the Platform before you create an account, and one of the following applies:
If the way the Platform operates in your territory changes, we will tell you by email before the change takes effect. Any Enquiry you have already sent will continue to its end under the terms that applied when you sent it.
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 Enquiry giving accurate risk or financial information, and you choose which licensed Providers in your territory may receive it. Before your Enquiry is sent you are asked to give your explicit consent to your information being shared with those Providers. Nothing is sent until you give it.
Some Enquiries 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 Enquiry. 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 Choose to Proceed with any one of them, or with none. Choosing to Proceed tells that Provider you have chosen it, and it 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 sent your Enquiry. You may Choose to Proceed with 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, you can no longer Choose to Proceed on that Enquiry.
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. Responses are shown in the order they arrive. You may choose to sort them by premium or by rate; that sort is your choice, not a ranking by us. We receive nothing from any Provider because of your Enquiry or your choice. Providers pay a flat subscription to use the Platform, which does not depend on any Enquiry, response or outcome.
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 sends an Enquiry 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 recommend, rank or compare Providers or products, and 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.
If a broker or other provider stops using EQI Caribbean, we show its clients, and the insurers it sent enquiries to, its company phone number and email address, so that they can contact it directly about enquiries that were in progress.
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., which carries on business under the registered business name EQI Caribbean Technology. Registered office: #42 Durette Gardens, Gemswick, St Philip, Barbados. Company Registration No. 52770.