1. Introduction

This agreement applies to all policyholders or account holders with Pacis Insurance, or those who wish to subscribe to the Pacis Insurance Online Portal. It outlines our obligations to you and your obligations to us. These terms and conditions are effective immediately upon your registration for or access to the Pacis Insurance Online Portal.

2. Definitions and Interpretation

In these terms and conditions:

• “You” or “your” refers to any customer accessing the site.
• “We”, “us”, or “our” refers to Pacis Insurance.
• “Pacis” refers to us and our subsidiary companies.
• “Password” refers to any secret code for using the site or to avail of any products and services provided by us.
• “Site” refers to the Pacis Insurance Online Portal.
• “Products” refers to any of the products offered by Pacis through the site.
• “Username” refers to an identification code for operating the site or to avail of any products or services provided by us.

3. Company Information

Name: Pacis Insurance Address: Pacis Centre, 4th Floor, P.O BOX 1870-00200, Nairobi, Kenya E-mail: info@paciskenya.com

4. Site Terms

These terms and conditions govern your use of the site. By accessing this site and acknowledging receipt of the Username and Password, you agree to be bound by them. We reserve the right to change these terms and conditions at any time without notice to you.

5. Use of this Site

You agree not to misuse this site. We may terminate your access to the site for any reason, including if we believe you have not acted in accordance with these terms and conditions.

6. Intellectual Property

The entire design and content of the site are the copyright of Pacis Insurance. All trademarks, brand names, logos, and designs used on this site are our intellectual property.

7. Third-Party Products and Services

We are not responsible for the content, use, or availability of third-party websites linked to our site.

8. No Offer

Nothing on the site should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or engage in any other transactions or provide any financial advice.

9. No Warranty

We make no representations or warranties of any kind, express or implied, with regard to the accuracy, timeliness, reliability, or completeness of any information on the site.

10. Indemnity and Exclusion of Liability

You agree to indemnify and absolve us against any lawsuits, losses, charges, damages, liabilities, expenses, fees, or claims that we may suffer as a consequence of your breach of these terms and conditions.

11. Discontinuation of the Service

We reserve the right to modify, suspend, or discontinue the site or any part of it, with or without notice, at any time.

12. Data Protection

We may need to transfer, process, and store data (including personal information) received through the site. You acknowledge and consent to our transfer, storage, and processing of such data.

13. Force Majeure

Neither party shall be liable for any delay or non-performance of their obligations under these terms and conditions due to an unforeseeable and exceptional situation or event beyond a party’s control.

14. Miscellaneous Provisions

These include provisions on severability, waiver, assignment, notice, partnership/agency, entire understanding, and governing law and dispute resolution.