Terms & Conditions.

Acceptance of Terms

These Terms & Conditions apply to your access to and use of the Mfarusi Insurance Agency Ltd website.

By using this website, you agree to comply with these terms and with applicable laws and regulations.

If you do not agree with these terms, please discontinue use of the website.

Website Information

We aim to provide useful, clear and reasonably current information about Mfarusi Insurance Agency Ltd and the insurance services and solutions available through our business.

However, website information is provided for general informational purposes and should not automatically be treated as a binding offer, contract, policy wording or confirmation of insurance cover.

Information may be updated, corrected, changed or removed from the website without prior notice.

Insurance Information

References to insurance products, covers or solutions on this website are intended to help visitors understand the types of insurance services that may be available.

Actual insurance cover is subject to the applicable insurer's policy wording, terms, conditions, exclusions, limits, endorsements and other applicable documentation.

The availability of a particular product or cover may depend on individual circumstances, underwriting requirements, eligibility and other applicable factors.

Nothing on this website should be interpreted as a guarantee that a particular insurance product, premium or level of cover will be available.

Quotations & Requests

Information submitted through quotation, contact, appointment or other website forms may be used by Mfarusi Insurance Agency Ltd to respond to your request.

A quotation request does not by itself constitute confirmation of insurance cover or acceptance of a risk.

Any quotation provided is subject to the information supplied, applicable underwriting requirements and the terms communicated with the quotation.

You are responsible for ensuring that information supplied to us is accurate, complete and not misleading.

Customer Responsibility

When using this website or requesting our services, you are expected to provide accurate information where information is requested.

You should carefully review any insurance documents, quotations, policy schedules, certificates and other documents provided to you.

If you identify an error, omission or change in your circumstances that may affect an insurance arrangement, you should contact us promptly.

You should also keep your contact information reasonably up to date so that important communications can reach you.

Intellectual Property

Unless otherwise indicated, content appearing on this website may include text, graphics, logos, designs, images, layouts, documents and other materials belonging to or used by Mfarusi Insurance Agency Ltd.

Such content may not be copied, reproduced, modified, distributed, republished or commercially exploited without appropriate permission, except where permitted by applicable law.

The Mfarusi name, branding and associated visual identity should not be used in a way that suggests an unauthorised relationship or endorsement.

Acceptable Use

You agree to use this website only for lawful purposes and in a manner that does not interfere with the operation, security or availability of the website.

You must not use the website to:

• Commit or facilitate unlawful activity.
• Attempt to gain unauthorised access to website systems or data.
• Introduce malicious code, malware or other harmful material.
• Interfere with the website or its underlying systems.
• Submit information that is knowingly false, fraudulent or misleading.
• Collect or misuse information relating to other website users.

Third-Party Links & Services

The website may contain links to websites or services operated by third parties.

These links may be provided for convenience or additional information. A link does not necessarily mean that Mfarusi Insurance Agency Ltd endorses the external website or its services.

Third-party websites operate under their own terms, policies and practices. You should review those terms before using an external service.

Website Availability

We aim to keep the website available and functional, but uninterrupted access cannot be guaranteed.

The website may occasionally be unavailable because of maintenance, updates, technical issues, hosting interruptions or circumstances outside our reasonable control.

We may modify, suspend or discontinue portions of the website or particular website features where reasonably necessary.

Liability

We take reasonable care in maintaining the information presented on this website. However, website content is provided on an informational basis and may contain errors, omissions or information that becomes outdated.

To the extent permitted by applicable law, Mfarusi Insurance Agency Ltd shall not be responsible for losses arising solely from reliance on general website information where the relevant information was not intended to constitute a binding insurance contract or policy document.

Nothing in these terms is intended to exclude or restrict any liability that cannot lawfully be excluded or restricted.

Privacy

Your use of this website may involve the collection and processing of personal information.

Information about how Mfarusi Insurance Agency Ltd handles personal information is provided in our Privacy Policy.

Changes to These Terms

We may update these Terms & Conditions from time to time to reflect changes to our website, services, business practices or applicable legal and regulatory requirements.

Updated terms will be published on this page. Your continued use of the website after an update may constitute acceptance of the revised terms to the extent permitted by applicable law.

Governing Law

These website terms are intended to be interpreted in accordance with the laws applicable in Kenya, subject to any mandatory legal requirements that may apply.

Where a dispute arises in connection with the use of this website, the parties should first seek to resolve the matter through appropriate communication before pursuing any formal remedy available under applicable law.