Terms and Conditions

Last Updated: January 6, 2025

 1. Introduction

Welcome to Step By Step Insurance Agency (“we,” “our,” or “us”). These Terms and Conditions govern your use of https://stepbystepinsurance.co.ke/ (the “Website”) and the services we provide. By accessing or using our Website, you agree to be bound by these Terms and Conditions.

2. Company Information

Step By Step Insurance Agency is a licensed insurance agency operating in Kenya. We partner with reputable insurance companies to provide insurance solutions to our clients. We operate in compliance with the Insurance Regulatory Authority (IRA) of Kenya and all applicable laws and regulations governing insurance intermediaries in Kenya.

3. Services

We provide insurance brokerage services, connecting clients with various insurance products through our partner insurance companies. All insurance products are underwritten by our partner insurance companies, who are licensed by the IRA of Kenya.

4. User Accounts

 4.1 Account Creation

To access certain features of our Website (Commenting), you may need to create a user account by providing:
– Your full name
– Valid email address
– Other required information

 4.2 Account Responsibilities

You are responsible for:
– Maintaining the confidentiality of your account credentials
– All activities that occur under your account
– Providing accurate and current information

 5. Age Restrictions

 5.1 Insurance Purchase

You must be at least 18 years old to purchase insurance products through our Website.

 5.2 Minor Users

Users under 13 years of age are prohibited from:
– Creating user accounts
– Publishing or sharing their contact information on our Website
– Engaging in any transactions

6. Data Collection and Privacy

6.1 Analytics

We use data analytics tools, including Google Search Console, to:
– Monitor website performance
– Analyze user behavior
– Improve our services
– Generate usage statistics

6.2 Privacy Policy

Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference.

7. Prohibited Activities

Users are prohibited from:
– Engaging in spamming or sending unsolicited communications
– Using the Website for any unlawful purpose
– Attempting to gain unauthorized access to our systems
– Interfering with the Website’s functionality
– Uploading malicious code or content
– Impersonating others
– Collecting user information without consent

8. Intellectual Property

 8.1 Copyright

All content on the Website, including but not limited to text, graphics, logos, images, and software, is our property or the property of our licensors and is protected by Kenyan and international copyright laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our Website content for personal, non-commercial purposes.

9. Dispute Resolution

 9.1 Mediation and Arbitration

Any dispute arising from these Terms and Conditions shall be resolved through:
1. Informal negotiation (30 days)
2. Mediation in accordance with Kenyan law
3. If mediation fails, binding arbitration in Nairobi, Kenya

9.2 Governing Law

These Terms and Conditions are governed by the laws of Kenya.

10. Limitation of Liability

 10.1 Service Warranty

The Website and services are provided “as is” and “as available” without any warranties, either express or implied.

 10.2 Liability Limitations

We shall not be liable for:
– Any indirect, incidental, special, or consequential damages
– Lost profits or data
– Service interruptions
– Errors in insurance quotes or information
– Actions of third-party insurance providers
– Damages exceeding the amount paid for the specific service in question

 11. Modifications

We reserve the right to modify these Terms and Conditions at any time. Continued use of the Website after changes constitutes acceptance of the modified terms.

 12. Contact Information

For questions about these Terms and Conditions, please contact us at [info@stepbystepinsurance.co.ke].

13. Severability

If any provision of these Terms and Conditions is found to be unenforceable, the remaining provisions shall remain in full force and effect.