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Legal document 3
These Terms & Conditions govern access to and use of www.bizsure.co.ke (the "Website"). By using the Website, you agree to these Terms. If you do not agree, please discontinue use of the Website.
The Website is operated by Bizsure Insurance Brokers Limited, an insurance brokerage operating in Kenya.
Business details:
The Website provides general information about Bizsure, insurance products and related services and allows users to contact us, request quotations, access claims information or use other available features.
Website content is provided for general information and should not be treated as a substitute for personalised insurance, financial, legal, tax or other professional advice.
Submitting an enquiry or quotation request through the Website does not create an insurance contract and does not mean that cover has been accepted, bound or placed.
Any quotation is subject to the information supplied, underwriting requirements, insurer terms, exclusions, limits, conditions, premium payment requirements and formal confirmation. Insurance cover becomes effective only when it has been formally accepted and confirmed in accordance with the relevant insurer's requirements and applicable documentation.
You are responsible for providing complete, accurate and truthful information. Material omissions or misrepresentations may affect a quotation, policy, claim or entitlement to cover in accordance with applicable law and policy terms.
Descriptions of insurance products on the Website are summaries for general guidance. They do not contain every term, condition, exclusion, excess, limit or endorsement.
The final scope of insurance is determined by the applicable proposal, schedule, policy wording, endorsements, insurer documentation and other contractual terms. If there is any inconsistency between general Website content and formal policy documentation, the formal insurance documentation will govern, subject to applicable law.
Premiums, insurer appetite, benefits, limits, terms and availability may change and may depend on underwriting information and risk assessment. Information displayed on the Website should not be interpreted as a guarantee that a particular insurer, price, product or level of cover will be available to every applicant.
Claims guidance, forms and links on the Website are intended to assist users. Submission of a claim or claim document does not constitute acceptance of liability or confirmation that a claim is payable.
Claims are assessed under the relevant policy terms, facts, supporting evidence and applicable insurer procedures. Users should report claims promptly and provide complete and accurate information.
You agree to use the Website lawfully and not to:
Unless otherwise stated, the Website and its original text, branding, graphics, layout and other content are owned by or licensed to Bizsure and are protected by applicable intellectual property laws.
You may view and print reasonable portions for personal or legitimate business use relating to Bizsure's services. You may not reproduce, republish, sell, modify or commercially exploit Website content without prior written permission, except as permitted by law.
The Website may link to insurers, regulators, payment providers, claims providers or other third parties. Links are provided for convenience and do not mean that Bizsure controls or guarantees the third party's website, systems, content or availability.
Your use of a third-party website or service is subject to that third party's own terms, privacy policy and security practices.
Bizsure aims to keep the Website reasonably available and secure but does not guarantee uninterrupted, error-free or virus-free operation. We may suspend, withdraw, update or modify all or part of the Website for maintenance, security, legal, operational or business reasons.
Users are responsible for maintaining appropriate security on their own devices, accounts and internet connections.
To the fullest extent permitted by Kenyan law, Bizsure will not be liable for indirect, incidental or consequential loss arising solely from reliance on general Website content, temporary Website unavailability, third-party websites or events outside Bizsure's reasonable control.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, nor does it remove any statutory or contractual rights you may have under an insurance policy or applicable Kenyan law.
Personal data submitted through or in connection with the Website will be handled in accordance with Bizsure's Privacy Policy and applicable Kenyan data protection law. Please read the Privacy Policy before submitting personal information.
Where you provide an email address, telephone number or other communication channel, you authorise Bizsure to use appropriate channels to respond to your enquiry and administer requested services, subject to applicable law and your communication preferences.
Marketing communications will be handled separately in accordance with applicable consent and opt-out requirements.
Bizsure may update Website content or these Terms from time to time. Updated Terms will be published on the Website with a revised effective or last-updated date. Continued use of the Website after an update constitutes acceptance of the revised Terms to the extent permitted by law.
These Terms are governed by the laws of the Republic of Kenya. Subject to any applicable dispute-resolution rights or mandatory legal procedures, disputes relating to the Website or these Terms will be subject to the jurisdiction of the courts of Kenya.
Questions about these Terms may be sent to: