1. Acceptance of Terms

By engaging with Keryl Kelonye Insurance Services for insurance consultation, quotes, or policy services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Services Provided

Keryl Kelonye Insurance Services provides:

• Insurance consultation and advisory services
• Insurance quotes and policy comparisons
• Assistance with insurance applications and claims
• Ongoing policy management and support
• Risk assessment and insurance planning

We are licensed insurance agents operating under Kenyan insurance regulations and work with reputable insurance companies to serve your needs.

3. Client Responsibilities

As our client, you agree to:

• Provide accurate and complete information for insurance assessments
• Disclose all material facts relevant to your insurance needs
• Pay premiums and fees as agreed with insurance providers
• Notify us promptly of any changes that may affect your coverage
• Comply with the terms and conditions of your insurance policies

4. Professional Standards

We maintain professional standards by:

• Acting in your best interests when recommending insurance products
• Maintaining confidentiality of your personal and financial information
• Providing clear explanations of insurance terms and conditions
• Ensuring compliance with all applicable Kenyan insurance laws
• Continuously updating our knowledge of insurance products and regulations

5. Limitations of Liability

While we strive to provide accurate information and quality service:

• We are not liable for decisions made by insurance companies regarding coverage or claims
• Our liability is limited to the professional services we directly provide
• We recommend that you carefully review all policy documents
• Insurance coverage is subject to the terms and conditions of your specific policy

6. Fees and Commissions

Our compensation may include:

• Commissions paid by insurance companies for policies sold
• Service fees for consultation or policy management (where applicable)
• All fees and commissions will be disclosed to you as required by law

7. Privacy and Confidentiality

We respect your privacy and maintain strict confidentiality of your information. Please refer to our Privacy Policy for detailed information on how we collect, use, and protect your personal data.

8. Termination of Services

Either party may terminate our service relationship at any time with reasonable notice. Upon termination:

• Existing insurance policies will remain in effect with the insurance companies
• You may transfer your policies to another agent
• We will provide necessary documentation for the transition

9. Governing Law

These Terms of Service are governed by the laws of Kenya. Any disputes will be resolved through the appropriate legal channels in Kenya, including relevant insurance regulatory bodies.

10. Contact Information

If you have questions about these Terms of Service, please contact us:

11. Updates to Terms

We may update these Terms of Service from time to time. Any changes will be posted on this page with an updated effective date. Continued use of our services after changes constitutes acceptance of the new terms.

Last Updated: 17 August 2025