- Home
- Terms of use
Terms of use
What this website is, what it is not, and where the actual agreement between you and an insurer begins.
Last updated 2026. Reward Enterprises Ltd, St. Augustine, Trinidad and Tobago.
The most important thing on this page
We are an agency, not an insurer. Nothing on this website is a contract of insurance. Your cover comes from the policy the insurer issues to you, and where this website and that policy differ, the policy wins, every time.
Who you are dealing with
Reward Enterprises Ltd arranges insurance in Trinidad and Tobago. We do not underwrite risk and we do not pay claims. Policies are issued by Guardian Life of the Caribbean Limited and Guardian General Insurance Limited, and all cover, benefits, limits, exclusions, conditions, premiums and claims decisions are theirs, determined under the terms of the documents they issue to you.
The information here is general
Everything on this site describes types of insurance in general terms. It is not financial, tax or legal advice, and it is not a recommendation that any particular product suits your circumstances.
Where we describe what a policy “typically” covers, that is a general description of a class of product, written to help you understand the options before you speak to someone. Your policy is what your policy says. Read the schedule and wording you are issued, and ask us about anything that is unclear — that is what we are for.
Quotations
A quotation is an indication based on the information supplied to us. It is not an offer of insurance, and it does not bind the insurer.
Cover begins only when the insurer accepts the risk, the policy is issued, and any required premium is paid. Until all three have happened, you are not covered, no matter what has been discussed. Quotations may be revised or withdrawn, particularly where the information provided turns out to be incomplete or inaccurate.
Your duty of disclosure
You must give complete and accurate information when applying for insurance, and again at renewal. This matters more than most people realise: failing to disclose something material can result in a claim being reduced or declined, or the policy being treated as though it never existed.
If you are unsure whether something is relevant, tell us. It costs nothing to mention and it protects you.
Enquiries and WhatsApp
The enquiry forms on this site prepare a WhatsApp message on your device. Nothing reaches us until you send it. Sending an enquiry does not create any obligation on either side, and it does not place cover.
We aim to respond during working hours, Monday to Friday. We cannot guarantee a response time, and you should not rely on a message to this site for anything urgent or time-critical. If something needs to happen today, call.
WhatsApp messages travel through a service operated by Meta and are subject to its terms, not ours.
Tax information
References on this site to tax treatment — including deductions available on approved annuity and pension contributions — are general, and reflect our understanding at the time of writing. Tax law changes, limits are revised, and individual circumstances differ.
Confirm any figure with the Board of Inland Revenue or your own tax adviser before relying on it. Do not make a financial decision on the strength of a website.
Availability and accuracy
We aim to keep this site accurate and available, but we do not guarantee that it will be uninterrupted, error-free, or current at every moment. Product details, premiums and insurer terms change. We may alter or remove content without notice.
Links to other sites
Where we link to another website — the insurer's own site, for instance — we do so for convenience. We do not control those sites and are not responsible for their content, accuracy or privacy practices.
Limits on our responsibility
This website is provided as it is. To the extent the law allows, we are not liable for loss arising from reliance on general information published here, as distinct from advice we give you directly about your own circumstances.
Nothing in these terms limits any liability that cannot lawfully be limited, or affects your rights under a policy you hold.
Intellectual property
The content, design and code of this website belong to Reward Enterprises Ltd or its licensors, except where stated. Photography is licensed from third parties. Guardian's name and marks belong to Guardian Holdings Limited and its subsidiaries, and appear here to identify the insurers whose products we place.
You may view, print and share pages for your own use. You may not reproduce them commercially without our written permission.
Complaints
If something has gone wrong, tell us first — most things are resolved with a phone call. If your complaint concerns a policy, the insurer also operates its own complaints process, and we will point you to it and help you use it.
Governing law
These terms are governed by the laws of the Republic of Trinidad and Tobago, and the courts of Trinidad and Tobago have exclusive jurisdiction over any dispute arising from them.
Contact
Reward Enterprises Ltd
St. Augustine, Trinidad and Tobago
Telephone and WhatsApp: +1 (868) 678-1148
Email: [email protected]
These terms are written in plain language to describe how we actually operate. They are not legal advice and have not been reviewed by an attorney. If the business changes shape — taking on staff, handling client money, or adding online transactions — they should be looked at properly.