Terms & Conditions

These Terms and Conditions ("Terms") govern your access to and use of the Birdview Microinsurance website, digital channels, and insurance products. By using our services or purchasing cover, you agree to these Terms.

1. About Birdview

Birdview Microinsurance provides licensed microinsurance products in Kenya. References to "Birdview", "we", "us", or "our" mean Birdview Microinsurance and its authorised representatives.

2. Eligibility

To purchase or use our services, you must:

• Be at least 18 years old, or have consent from a parent or legal guardian where applicable.
• Provide accurate, complete, and current information during application and servicing.
• Comply with applicable laws, regulations, and product-specific requirements.

3. Insurance contracts

Insurance cover is subject to the policy wording, schedule, endorsements, and disclosures applicable to your selected product. In the event of any conflict between these Terms and your policy documents, the policy documents prevail.

4. Premiums and payments

• Premiums must be paid by the due dates stated in your policy or payment schedule.
• Failure to pay premiums may result in lapse, suspension, or cancellation of cover.
• Payment channels, fees, and renewal terms may vary by product and will be communicated at purchase.

5. Use of our website

You agree not to misuse our website or digital services. This includes attempting to:

• Access systems or data without authorisation.
• Introduce malware, automated scraping, or disruptive traffic.
• Submit false, misleading, or fraudulent information.

6. Claims

Claims must be submitted promptly with complete supporting documentation as required for your product. We will assess claims in accordance with policy terms, applicable law, and internal claims procedures.

7. Limitation of liability

To the fullest extent permitted by law, Birdview is not liable for indirect, incidental, or consequential losses arising from website use, service interruptions, or events outside our reasonable control. Nothing in these Terms limits rights or remedies available under your insurance policy or applicable law.

8. Privacy

Our collection and use of personal data is described in our Privacy Policy. By using our services, you acknowledge that processing may occur for underwriting, policy administration, claims, regulatory compliance, and customer support.

9. Changes to these Terms

We may update these Terms from time to time. Material changes will be published on this page with an updated effective date. Continued use of our services after changes become effective constitutes acceptance of the revised Terms, subject to applicable law and policy requirements.

10. Governing law and contact

These Terms are governed by the laws of Kenya. For questions about these Terms, contact us at info@birdviewmicroinsurance.com or through our contact page.