Privacy Statement

Users contacting this website do so at their own discretion and provide any such personal details requested at their prudence. Your personal information is kept private and stored securely as detailed in the Data Protection Act 1998. Every effort has been made to ensure a safe and secure form to email the submission process, but advises, users, using such form to email processes that they do so with caution.

This website operates an email newsletter program, used to inform subscribers about products and services offered by this website. Users can subscribe through an online automated process should they wish to do so at their own discretion.

Email and other forms of marketing adverts published by this website or its owners may contain tracking facilities within the actual email. Subscriber activity is tracked and stored in a database for future analysis and evaluation. Such tracked activity may include; the opening of emails, forwarding of emails, the clicking of links within the email content, times, dates and frequency of activity [this is by no far a comprehensive list].

This information is used to refine future email or marketing campaigns and supply the user with more relevant content tailored to their activity.

Subscribers may unsubscribe at any time through an automated system. This process is detailed at the footer of each email advert. If an automated un-subscription system is unavailable, clear instructions on how to unsubscribe will by detailed instead.

This website uses cookies to better the users experience while visiting the website. Where applicable this website uses a cookie control system allowing the user on their first visit to the website to allow or disallow the use of cookies on their computer/device.

Users are advised that if they wish to deny the use and saving of cookies from this website on to their computers’ hard drive they should take necessary steps within their web browsers security settings to block all cookies from this website and its external serving vendors.

This website and its owners use any information submitted to provide you with further information about the products/services they offer or to assist you in responding to queries you may have submitted. This includes using your details to subscribe you to any email newsletter program the website operates.  This is upon express permission granted by the client. Your details are not passed to any third party.

Although this website only looks to include quality, safe and relevant external links, users should take caution before clicking any external web links mentioned throughout this website.

The owners of this website cannot guarantee or verify the contents of any externally linked website. Users should, therefore, note they click on external links at their own risk and this website and its owners shall not be held liable for any damages or implications caused by visiting any external links.

The entity warrants that it has the right to provide services on an “as-is” basis without warranty of any kind.
The entity warrants that the services will be delivered using reasonable care and skill. The entity does not warrant that services delivered are error-free. The specific underwriters reserve the right to accept/ deny any risk, update their products, and/or their quote. Quotations provided on this website shall be subject to independent valuation appointed by the underwriter and the presumption that the information provided by the client herewith is both accurate and true.
Both parties warrant that they will comply with the Data Protection Act or any other law including but not limited to its obligations in respect of any personal data which it may supply to or receive from the other party.

The legal information on this website is provided “as is” without any representations or warranties, express or implied. www.africusinsurance.com makes no representations or warranties in relation to the legal information on this website. Without prejudice to the generality of the foregoing paragraph, www.africusinsurance.com does not warrant that the legal information on this website will be constantly available or available at all; or the legal information on this website is complete, true, accurate, up-to-date, or non-misleading.

Nothing in this legal disclaimer will limit any of our liabilities in any way that is not permitted under applicable law, or exclude any of our liabilities that may not be excluded under applicable law.

Visitors to this website and every third party are hereby advised that the owners of this website are not the agents or intermediaries of the insurers, whose products are dealt with within this website. They are also not the sub-agents or sub-intermediaries of the agents and intermediaries of the respective insurers. Due diligence has been observed to make correct policy/product comparisons based on the information provided by the insurers or its agents or intermediaries. It is made abundantly clear that www.africusinsurance.com or its directors, shareholders, and employees are in no way responsible to or liable for anyone for their investment decision, and every prospective client shall be solely responsible for the consequences of their decision.

1. DEFINITIONS

“Service” means any services provided by www.africusinsurance.com

“Entity” means www.africusinsurance.com website.

“Client” means the person, firm or company placing an order with the entity.

2. APPLICATION

These terms and conditions apply to any provision of services by the entity to the Client.

3. FORMATION OF CONTRACT

All services provided by the entity are sold subject to the entity’s standard terms and conditions (as detailed below), which form part of the Client’s contract with the entity.

4. QUOTATIONS

The prices, quantities, and delivery time stated in any quotation are not binding on the entity. They are commercial estimates only which the entity will make reasonable efforts to achieve.

5. PAYMENTS

New clients or current clients may be expected to pay a deposit based on the services sought.

All other invoices issued by the entity shall be paid by the Client within thirty (30) days of the date of invoice unless otherwise agreed in writing by the entity. In the event of late payment, the entity may charge interest on the amount outstanding at the rate of five (5) percent monthly.

If any amount of an invoice is disputed, the Client shall inform the entity of the grounds for such dispute within seven days of delivery of the services.  The client shall pay to the entity the value of the invoice less the disputed amount in accordance with these payment terms. Once settlement of the dispute has been agreed, any sum outstanding shall also be payable in accordance with these payment terms.

The entity reserves the right to increase a quoted fee in the event that the client requests a variation to the service/work agreed.

6. CANCELLATION

In view of the nature of the service, any order once acted upon by the entity is not cancellable. Cancellation of the Order by the Client will only be accepted on the condition that any costs, charges, and expenses already incurred, including any charges that will be levied by a sub-contractor on account of their expenses, work done and cancellation conditions will be reimbursed to the entity forthwith.

7. DELIVERY

The services supplied by the entity are dispatched electronically by email and shall be deemed to be delivered upon dispatch or as reasonably agreed upon.

8. USAGE OF THE SERVICES OR MATERIALS

All files of Consumer and Business data records are for single use within a specified period. The Client shall bear responsibility for ensuring that all usage of information contained within any service does not contravene, any Data Protection laws, regulations, or other trade customs and practices. The entity bears no liability for any omissions or faults in these respects.

9. DECLARATION

The User and/or applicant declares that to his best knowledge the answers and particulars given in his insurance proposal are true and complete and that they have not withheld any material information and that the property (motor vehicle, building, or risk being insured) described is/are in good condition. The user/applicant further agrees that the proposal and declaration shall be the basis of the contract between the user/applicant and the Underwriter chosen or Insurance Company whose policy is applicable to the chosen insurance. The user/ applicant declares that all the persons named in the medical application form (for medical insurance) are members of his immediate family for whose membership they are responsible. Having read and understood, the user/applicant agrees to the cover options, terms and conditions, and applicable exclusions and hereby applies to join the chosen health insurance plan. The user/applicant further agrees that they understand that any misstatement or the non-disclosure of any material information in the application form will jeopardize their membership and warrants that the answers in his application form are true, correct, and complete and acknowledge that such answers are all material and hereby authorize the medical practitioners who have treated him/her or any of his/dependents to disclose to the underwriter the records relating to such current or previous hospitalizations/medical treatment and to allow the underwriter/ Insurance company to receive extracts from such records and undertake to assist in obtaining such information. User/Applicant agrees that this application and the answers are given, as well as any proposal or Declaration, or statement made in writing by him/her or anyone acting on their behalf shall form the basis of the contract between them and the Company, and further agree to accept indemnity, subject to the conditions in, and endorsed on, the Company’s policy. User/applicant also declares that the sums expressed are the full value of the property (Building or Motor Vehicle or risk insured) as herewith mentioned. The user/applicant hereby expressly allows and understands that the entity will process the information provided for the purpose of the insurance product being purchased on their behalf.

9. GOVERNING LAW

These Terms of Trading shall be subject to and construed in accordance with the governing laws of Kenya.