Terms and Conditions

1. Acceptance of Terms

By accessing and using Bowman Insurance Mall, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, please do not use our service.

2. Use of Service

Bowman Insurance Mall provides an online marketplace for comparing and purchasing insurance policies from licensed insurance providers in Kenya. You agree to use this service only for lawful purposes and in accordance with these terms.

3. User Account

To access certain features of our service, you must register for an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Insurance Policies

All insurance policies available through our platform are underwritten by licensed insurance companies regulated by the Insurance Regulatory Authority (IRA) of Kenya. Policy terms and conditions are set by the respective insurance providers.

5. Payment Terms

Premium payments must be made through our secure payment gateway. We accept M-Pesa, Visa, and Mastercard. All transactions are processed securely and are subject to verification.

6. Cancellations and Refunds

Cancellation and refund policies vary by insurance provider and policy type. Please review the specific terms of your policy for detailed information about cancellations and refunds.

7. Claims

Claims must be filed through our platform or directly with the insurance provider. We facilitate the claims process but final decisions are made by the underwriting insurance company.

8. Limitation of Liability

Bowman Insurance Mall acts as an intermediary between customers and insurance providers. We are not liable for any disputes arising from insurance coverage, claims, or policy terms set by the insurance providers.

9. Intellectual Property

All content, trademarks, and data on this platform are the property of Bowman Insurance Mall or its content suppliers. Unauthorized use of any materials is prohibited.

10. Privacy

Your use of our service is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices.

11. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes via email or through the platform.

12. Governing Law

These terms shall be governed by and construed in accordance with the laws of Kenya. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Kenya.

13. Contact Information

For questions about these Terms and Conditions, please contact us at:
Email: legal@bowmaninsurance.com
Phone: +254 700 000 000