Terms and Conditions for Using WhatsApp to Purchase Insurance
1. Introduction
These Terms and Conditions govern the use of WhatsApp for purchasing insurance products offered by [Pacific Prime Insurance Brokers Limited / 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.
2. Eligibility
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.
3. Communication
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.
4. Privacy and Data Protection
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.
5. Product Information
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.
6. Payment
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.
7. Confirmation of Purchase
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.
8. No Third-Party Representation
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.
9. Commission Disclosure for Insurance Brokers
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.
10. Acceptance of Terms and Understanding of Coverage
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.
11. Promotion Code Clause
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.
12. Consent for Multiple Insureds
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.
13. Direct Marketing Acceptance
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.
14. Applicant's Liability for Information Accuracy
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.
15. Cancellation and Refunds
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.
16. Limitation of Liability
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.
17. Governing Law
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].
18. Changes to Terms
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.
19. Contact Information
For any questions or concerns regarding these Terms and Conditions, please contact us at info@kwiksure.com.
By using WhatsApp to purchase insurance, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.
Date of Last Revision: 31 March 2025