[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"whatsapp-terms-and-conditions":3},{"title":4,"content_html":5},"Terms and Conditions for Purchasing Insurance via WhatsApp","\u003Ch2 dir=\"ltr\">1. Introduction\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">These Terms and Conditions govern the use of WhatsApp for purchasing insurance products offered by [Kwiksure Insurance Brokers Limited \u002F Kwiksure] (hereinafter referred to as \"the Company\"). By using WhatsApp to interact with the Company, you agree to comply with and be bound by these terms.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">2. Eligibility\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">To use WhatsApp for purchasing insurance, you must be at least 18 years old and have the legal capacity to enter into contracts. By using this service, you affirm that you meet these requirements.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">3. Communication\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">All communications regarding insurance products, including inquiries, quotes, and policy purchases, will be conducted via WhatsApp. You are responsible for ensuring that your contact information is accurate and up to date.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">4. Privacy and Data Protection\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">Your privacy is important to us. We will collect, store, and process your personal information in accordance with our Privacy Policy. By using WhatsApp, you consent to the collection, processing, and potential transfer of your personal data to third-party services or payment gateways as necessary to complete your transaction.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">5. Product Information\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">The Company will provide information about insurance products via WhatsApp. While we strive to provide accurate and up-to-date information, we do not guarantee the completeness or accuracy of any information provided. All insurance purchases are subject to the terms and conditions outlined in the respective policy documents.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">6. Payment\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">Payments for insurance policies purchased via WhatsApp must be made through approved payment methods. The Company will provide details on payment options during the purchasing process.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">7. Confirmation of Purchase\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">Upon completing a purchase via WhatsApp, you will receive a confirmation message. It is your responsibility to review this confirmation and ensure that all details are correct. If there are any discrepancies, you must notify us immediately.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">8. No Third-Party Representation\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">No third party shall act on behalf of the insured in purchasing insurance through WhatsApp. All transactions must be conducted directly by the insured individual, ensuring that all information provided is accurate and true.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">9. Commission Disclosure for Insurance Brokers\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">If an insurance broker is involved in your purchase, please be aware that the broker may receive a commission from the insurance provider. This commission is typically a percentage of the premium paid and is disclosed to you upon request. The specific commission amount can vary based on the insurance product and the terms of the broker's agreement with the provider.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">10. Acceptance of Terms and Understanding of Coverage\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">By continuing the application process, the applicant acknowledges that they have read, understood, and accepted these Terms and Conditions. Furthermore, the applicant affirms that they fully understand the coverage provided by the insurance policy, including any limitations and exclusions.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">11. Promotion Code Clause\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">Any promotion codes provided by the Company must be applied at the time of purchase. Once payment has been completed, no discounts will be applied to the premium, even if the applicant holds a valid promotion code. It is the applicant's responsibility to ensure that any applicable promotion code is used prior to finalizing the payment.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">12. Consent for Multiple Insureds\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">If the application involves more than two insured individuals, the applicant must obtain the consent of all insured parties to act on their behalf in purchasing the insurance. The applicant is responsible for ensuring that all insured individuals are fully informed and agree to the terms of the policy being purchased.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">13. Direct Marketing Acceptance\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">By providing your contact information, you consent to receive direct marketing communications from the Company regarding insurance products and services. You have the option to opt out of such communications at any time by responding with \"STOP\" or following the opt-out instructions provided in the messages.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">14. Applicant's Liability for Information Accuracy\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">The Company has no liability to ensure that all information entered by the applicant is correct. The applicant bears sole responsibility for ensuring that all data provided is accurate and complete. Any inaccuracies may affect coverage and claims.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">15. Cancellation and Refunds\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">Cancellation and refund policies are subject to the terms outlined in the insurance policy you purchase. Please review these terms carefully before making a purchase.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">16. Limitation of Liability\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">The Company shall not be liable for any indirect, incidental, or consequential damages arising from your use of WhatsApp to purchase insurance. Our liability is limited to the maximum extent permitted by law.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">17. Governing Law\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">These Terms and Conditions are governed by the laws of [Your Jurisdiction]. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts in [Your Jurisdiction].\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">18. Changes to Terms\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">The Company reserves the right to modify these Terms and Conditions at any time. Any changes will be communicated to you via WhatsApp. Continued use of the service after changes are made constitutes your acceptance of the new terms.\u003C\u002Fp>\n\u003Ch2 dir=\"ltr\">19. Contact Information\u003C\u002Fh2>\n\u003Cp dir=\"ltr\">For any questions or concerns regarding these Terms and Conditions, please contact us at \u003Ca href=\"mailto:info@kwiksure.com\">info@kwiksure.com\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp dir=\"ltr\">By using WhatsApp to purchase insurance, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.\u003C\u002Fp>\n\u003Cp dir=\"ltr\">Date of Last Revision: 31 March 2025\u003C\u002Fp>\n\u003Cp dir=\"ltr\"> \u003C\u002Fp>\n\u003Cp dir=\"ltr\">\u003Cspan class=\"EOP SCXW81434957 BCX8\" data-ccp-props=\"{}\">\u003Ca href=\"..\u002F\">Terms and conditions\u003C\u002Fa>\u003Cbr>\u003Cbr>\u003Ca href=\"..\u002Fclient-agreement\u002F\">Client agreement\u003C\u002Fa>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Ch2> \u003C\u002Fh2>"]