NASFUND Contributors & Savings Limited Terms of Use Policy

Effective Date: November 29, 2023

Welcome to NASFUND Contributors & Savings Limited (“NCSL:,” “we,” “us,” or “our”).

These Terms of Use (“Terms”) govern your access to and use of our website, mobile applications, and other services (collectively, “Services”). Please read these Terms carefully before using our Services.

By using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not use our Services.

1. Eligibility

You must be at least 18 years of age to use our Services. By using our Services, you represent and warrant that you are at least 18 years of age.

2. Access to Our Services

We may suspend or terminate your access to our Services at any time, for any reason, without notice or liability.

3. User Information

You agree to provide us with accurate and complete information about yourself when you create an account or submit an application or estimate. You are responsible for maintaining the accuracy and completeness of your information.

4. Submissions of Applications and Estimates

When you submit an application or estimate, you represent and warrant that the information you provide is accurate and complete. You are responsible for the accuracy and completeness of the information you provide.

5. Data Security

We take reasonable measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. However, no data transmission over the Internet is 100% secure. Therefore, we cannot guarantee the security of your personal information.

6. Third-Party Websites and Services

Our Services may contain links to third-party websites and services. We are not responsible for the content or privacy policies of third-party websites or services. You should review the terms of use and privacy policies of any third-party websites or services that you use.

7. Intellectual Property

Our Services, including all content, images, and other materials, are the property of NCSL or its licensors. You may not copy, reproduce, distribute, modify, display, or create derivative works from any of our Services without our prior written consent.

8. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, ABOUT THE OPERATION OR FUNCTIONALITY OF OUR SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK.

9. Limitation of Liability

WE WILL NOT BE LIABLE FOR ANY DAMAGES ARISING OUT OF YOUR USE OF OUR SERVICES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10. Indemnification

You agree to indemnify, defend, and hold harmless NCSL and its officers, directors, employees, agents, and affiliates from and against any and all claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or in connection with your use of our Services or your breach of these Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Papua New Guinea.

12. Entire Agreement

These Terms constitute the entire agreement between you and NCSL with respect to our Services.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck from these Terms and the remaining provisions shall remain in full force and effect.

14. Waiver

No waiver of any provision of these Terms shall be effective unless in writing and signed by both you and NCSL.

15. Notices

All notices and other communications hereunder shall be in writing and shall be deemed to have been duly given when delivered in person, upon the first business day following deposit in the mail, postage prepaid, certified or registered, return receipt requested, addressed as follows:

If to you:

[Your Name] [Your Address]

If to NCSL:

NASFUND Contributors & Savings Limited Level 2, BSP Haus Port Moresby Papua New Guinea

or to such other address as either party may designate in writing from time to time.

16. Amendment

NCSL may amend these Terms at any time. If we make any material changes to these Terms, we will notify you by email or by posting a notice on our website. Your continued use of our Services after any such changes constitutes your acceptance of the amended Terms.

17. Contact Us

If you have any questions about these Terms, please email info@ncsl.com.pg or callcentre@ncsl.com.pg