Welcome to RoyalsField Global Insurance Agency Ltd. By accessing our website or using our services, you agree to comply with the following terms and conditions. Please read them carefully.

1. Definitions

• “Company,” “We,” “Us,” “Our”: Refers to RoyalsField Global Insurance Agency Ltd.
• “You,” “Client,” “User”: Refers to any person or entity accessing our website or services.
• “Services”: Refers to insurance consultation, policy provision, claims management, and other related services.

2. Acceptance of Terms

By using our website or services, you acknowledge that you have read, understood, and agree to these terms and conditions. If you do not agree, please do not use our services.

3. Use of Our Services

• Eligibility: You must be 18 years or older and legally capable of entering a binding agreement.
• Accuracy of Information: You agree to provide accurate, complete, and up-to-date information during the insurance process.
• Service Availability: We reserve the right to modify or discontinue any part of our services without prior notice.

4. Insurance Products and Services

• Policy Terms: Insurance policies are governed by their specific terms and conditions provided by the insurer.
• Quotations: Any quotation provided is an estimate and not a binding agreement until confirmed by an underwriter.
• Policy Issuance: Insurance coverage is effective only upon receipt of payment and confirmation by the insurer.

5. Payment Terms

• Premium Payments: All premiums must be paid on time for uninterrupted coverage.
• Refunds: Refunds for cancellations are subject to the insurer’s terms and may include administrative charges.
• Non-Payment: Failure to pay premiums may result in policy cancellation or suspension.

6. User Responsibilities

• Confidentiality: You are responsible for maintaining the confidentiality of your personal information.
• Compliance: You agree to comply with all applicable laws and regulations.
• Prohibited Use: You may not misuse our website, including attempting to access unauthorized areas or transmitting harmful content.

7. Intellectual Property

• Ownership: All website content, including logos, text, and images, is owned by RoyalsField Global Insurance Agency Ltd and protected by intellectual property laws.
• Limited License: You are granted a limited, non-exclusive right to use our website for personal or business purposes.

8. Limitation of Liability

• No Warranty: While we strive to provide accurate information, we do not guarantee the completeness or accuracy of content.
• Liability Cap: RoyalsField Global Insurance Agency Ltd is not responsible for indirect or incidental damages arising from your use of our services.

9. Privacy Policy

Your use of our services is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of these external sites.

11. Termination of Services

We reserve the right to terminate or restrict your access to our services if you violate these terms.

12. Changes to Terms & Conditions

We may update these terms periodically. Changes become effective immediately upon posting on our website. We encourage you to review these terms regularly.

13. Governing Law & Jurisdiction

These terms are governed by and construed under the laws of Kenya. Any disputes will be subject to the exclusive jurisdiction of Kenyan courts.

14. Contact Us

If you have any questions or concerns regarding these Terms & Conditions, please contact us:

RoyalsField Global Insurance Agency Ltd