Terms of Service

Introduction

Welcome to Panama Insurance Brokers Limited. By accessing our website or using our services, you agree to comply with and be bound by these Terms of Service. Please read them carefully.

1. Definitions

  • “We,” “Us,” “Our,” refer to Panama Insurance Brokers Limited.

  • “You,” “Your,” refer to the client, user, or visitor engaging with our services.

  • “Services” refer to all insurance brokerage, advisory, claims assistance, and related offerings provided by Panama Insurance Brokers Limited.

2. Use of Our Website

By using our website, you agree to:

  • Access the site for legitimate insurance-related purposes.

  • Not engage in any activities that disrupt or harm the website’s functionality.

  • Refrain from submitting false or misleading information.

  • Respect intellectual property rights and refrain from unauthorized use of our content.

3. Insurance Services

We act as an intermediary between you and the insurance providers. Our services include:

  • Policy selection and customization

  • Claims processing assistance

  • Risk assessment and policy optimization

We do not underwrite insurance policies; all policies are issued by third-party insurance providers.

4. Accuracy of Information

While we strive to provide accurate and up-to-date information, we do not guarantee the completeness or accuracy of all content. You acknowledge that errors or omissions may occur, and it is your responsibility to verify policy details with your assigned broker.

5. Privacy and Data Protection

We value your privacy and handle your personal information according to our Privacy Policy. By using our services, you consent to the collection and processing of your data as outlined in the policy.

6. Intellectual Property

All content on our website, including text, graphics, logos, and images, is the property of Panama Insurance Brokers Limited and is protected by intellectual property laws. You may not reproduce, distribute, or use this content without our written permission.

7. Limitation of Liability

Panama Insurance Brokers Limited is not liable for:

  • Losses or damages resulting from inaccurate information provided by third-party insurance companies.

  • Delays or failures in claims processing due to third-party actions.

  • Loss of data, profits, or business interruptions arising from the use of our website or services.

8. Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse or assume responsibility for the content or privacy practices of these external sites.

9. Termination of Services

We reserve the right to terminate or suspend your access to our services if you breach these terms or engage in fraudulent or unlawful activities.

10. Governing Law

These Terms of Service are governed by the laws of Kenya. Any disputes arising from the use of our services will be resolved in accordance with Kenyan legal statutes.

11. Changes to Terms of Service

We may update these terms from time to time to reflect changes in our services or legal obligations. Any updates will be posted on this page, and you are encouraged to review them periodically.