Introduction
Welcome to Arcadia Insurance Brokers Limited (AIBL) a licensed insurance brokerage firm operating in Kenya. By using our services, including accessing our website, mobile applications, or engaging with us through traditional means (e.g., in-person consultations, telephone call, email), you agree to comply with these Terms and Conditions. These Terms form a binding agreement between you and Arcadia Insurance Brokers Limited (AIBL) governing your use of our services. We offer a broad range of insurance products, provide consultations, and assist with the purchase of insurance policies from reputable insurance companies in Kenya. Please read these Terms carefully before using our services.
Acceptance of Terms
By using the website and/or registering yourself at www.arcadiainsurance.co.ke, you authorize us to contact you via email or phone call, WhatsApp or SMS and offer you their services for the product you have opted for, imparting product knowledge, offer promotional offers running on website & offers offered by the associated third parties, for which reasons, as well as web aggregation, personally identifiable information may be collected as detailed below. Additionally, by accessing or using our services, including visiting our website, completing online forms, or speaking to one of our agents, you acknowledge that you have read, understood, and agree to these Terms and Conditions. If you do not agree to these Terms, please refrain from using our services.
Modifications to These Terms
We may update or amend these Terms at any time. Any such changes will be effective once posted on our website. Your continued use of our services after any changes signifies your acceptance of the updated Terms. We recommend reviewing these Terms regularly to stay informed about any changes. Version Last Update: 25th February 2025
Scope of Our Services
Arcadia Insurance Brokers Limited offers the following services: • Insurance Brokerage: We assist clients in selecting the most appropriate insurance policies from a variety of reputable insurers in Kenya. • Consultation and Insurance Advice: Our team provides personalized advice to individuals and businesses to help you select the best insurance coverage. • Insurance Claims Assistance: We guide you through the claims process, assisting you with documentation and liaising with the insurer. • Online Insurance Purchase: We provide an online platform where clients can compare, select, and purchase insurance policies directly. • Traditional Insurance Sales: We offer personalized services through our physical locations and agents for clients who prefer in-person consultations.
Eligibility to Use Our Services
You may use our services only if you meet the following criteria: • You are at least 18 years old and capable of entering into binding contracts. • You provide accurate and complete personal information required for the provision of our services. • You comply with all applicable laws and regulations of the Republic of Kenya. • You are not restricted or prohibited by law from purchasing insurance products. By using our services, you confirm that the information you provide is accurate and complete. We reserve the right to request further documentation to verify your information for compliance and fraud prevention purposes.
Online Insurance Purchase
When purchasing insurance through our online platform, you agree to: • Provide Accurate Information: You will provide complete and accurate details, including personal, health, and financial information, as required for generating your insurance quotation and policy purchase. • Policy Selection: You are responsible for ensuring that the insurance policy you select meets your needs. We recommend carefully reviewing the policy terms and conditions before confirming the purchase. • Binding Agreement: Your purchase is binding once the payment is processed, subject to acceptance by the insurer. • No Guarantee of Approval: We cannot guarantee that any application for insurance coverage will be approved or that a claim will be paid. The final decision rests with the insurer.
Intellectual Property
The entire design and content of the Site is the copyright of Arcadia Insurance Brokers Limited. Our logo and designs used on this Site are our intellectual property and we remain exclusively entitled to all rights and interests relating to such intellectual property.
Third Party Products and Services
• Adverts: We use third-party service providers to serve ads on our behalf across the Internet and sometimes on this site. They may collect anonymous information about your visits to our website, and your interaction with our products and services. They may also use information about your visits to this and other websites to target advertisements for goods and services. • Hypertext Links: Where we provide hypertext links to third party internet web sites, such links are provided for your information and convenience and the inclusion of any link it is not an endorsement by us in any way of any products or services in such web sites. You use such links entirely at your own risk and we accept no responsibility or liability for the content, use or availability of such web sites or for any loss or damage, however arising, suffered as a result of their use. We have not verified the truth or accuracy of any content of such web sites. • This Site may also contain some material provided by third parties and we accept no responsibility or liability for the accuracy of such material • No third party is permitted to link any other web site to this Site without obtaining our prior written consent.
Premium Payments
• Payment Methods: Premium payments must be made through the methods approved by Arcadia Insurance Brokers Limited, such as bank transfers, mobile money payments, or other available channels. • Payment Schedule: You agree to pay the premiums in full and on time. Failure to make payments by the due date may result in policy cancellation or lapse, and you will forfeit any claims rights for the period the premium was unpaid. • Refunds: Refunds of premiums are subject to the terms and conditions of the insurer. We will assist in processing any legitimate refund requests.
Service Fees and Commissions
• Brokerage Fees: Arcadia Insurance Brokers Limited earns a commission from the insurance company for policies sold. This commission is paid by the insurer and does not affect the premium you pay. • Service Fees: We may charge additional service fees for specialized advisory services, policy renewals, or claims assistance. All such fees will be disclosed to you before you commit to the service.
Confidentiality and Data Protection
• Client Information: We collect personal data from clients to facilitate the provision of our services, comply with legal requirements, and protect the interests of both parties. This may include details such as identification documents, financial information, and health-related data. We use cookies and other technologies such as pixel tags and clear gifs to store certain types of information each time you visit any page on our website. Cookies enable this website to recognize the information you have consented to give to this website and help us determine what portions of this website are most appropriate for your professional needs. We may also use cookies to serve advertising banners to you. These banners may be served by us or by a third party on our behalf. These cookies will not contain any personal information • Confidentiality: We are committed to protecting the confidentiality of your personal information. Your data will only be shared with third-party insurers to process your insurance applications and claims. • Data Protection Compliance: We comply with the Data Protection Act, 2019 of Kenya, ensuring that your data is processed securely and in accordance with local regulations. By using our services, you consent to the collection, storage, and sharing of your personal data with insurers as necessary for the fulfillment of your insurance needs.
Client Obligations
As a client, you agree to: • Provide Accurate Information: Ensure that all information provided to us is accurate, complete, and up-to-date. • Comply with Insurer Requirements: You must comply with the terms and conditions set by the insurance company regarding coverage, exclusions, claims, and premiums. • Prompt Notification: Notify us of any material changes in your personal or business circumstances that may affect your insurance coverage.
Limitation of Liability
• No Guarantee of Insurance Approval or Claim Payment: We assist you in selecting appropriate insurance coverage, but we do not guarantee that your policy will be approved or that claims will be paid. The final decision lies with the insurer. Although we have taken all reasonable care to ensure that the information provided on the Site is accurate and up-to-date, we make no representations or warranties of any kind, express or implied, with regard to the accuracy, timeliness, reliability or completeness of any information by insurers. • Liability Cap: Our liability in the event of failure to provide services is limited to the amount paid by you for the specific service. We are not liable for indirect, incidental, or consequential damages arising from the use of our services. • Third-party Liability: We are not liable for any acts, omissions, or negligence of third-party insurers whose products we offer.
Dispute Resolution
• Mediation and Arbitration: In the event of a dispute, we encourage resolution through mediation. If mediation fails, the dispute will be referred to arbitration under Kenyan law. • Jurisdiction: Any disputes arising from these Terms and Conditions will be governed by the laws of Kenya and resolved in the competent courts of Kenya.
Termination of Services
• By You: You may terminate our services at any time by notifying us in writing. Termination does not relieve you of any obligations under active insurance policies. • By Us: We may terminate or suspend our services if you breach these Terms or engage in illegal or unethical activities. Termination will not affect your rights or obligations under any active policies.
Force Majeure
We will not be held liable for any failure or delay in the performance of our obligations due to events beyond our control, including but not limited to natural disasters, pandemics, strikes, or government regulations.
Indemnity
You agree to indemnify and hold Arcadia Insurance Brokers Limited, its officers, directors, employees, agents, and affiliates harmless from any claims, losses, damages, or expenses arising from your use of our services, your breach of these Terms, or your infringement of the rights of third parties.
Governing Law
These Terms and Conditions will be governed by and construed in accordance with the laws of Kenya. Any legal action or proceedings related to these Terms will be subject to the exclusive jurisdiction of the courts of Kenya.