Privacy Settings and Declaration Statement

This Privacy Settings and Declaration Statement ("Statement") is a legally binding document between Insulink Kenya Ltd ("Insulink", "we", "our", or "us") and you ("user", "client", "you", or "your") regarding the use of our platform and services. By using our platform, you acknowledge and agree to the terms outlined in this Statement.

1. Privacy Settings:

1.1 Collection of Personal Information:

By using our platform, you may be required to provide personal information such as your name, contact details, and financial information. We collect and process this information in accordance with our Privacy Policy, which outlines how we collect, use, disclose, and protect your personal information.

1.2 Use of Personal Information:

We only use your personal information for lawful business purposes, including but not limited to facilitating insurance transactions, processing claims, and improving our services. We do not sell or share your personal information with third parties for marketing purposes without your consent.

1.3 Data Security:

We are committed to protecting the integrity, confidentiality, and security of your personal information. We implement industry-standard security measures to safeguard your data against unauthorized access, disclosure, alteration, or destruction.

1.4 Data Retention:

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Statement and our Privacy Policy. We may also retain and use your information as required by law or to comply with legal obligations, resolve disputes, or enforce our agreements.

2. Declaration:

2.1 Accuracy of Information:

You declare that all information provided to us, including personal information, is accurate, complete, and up-to-date to the best of your knowledge. You acknowledge that any inaccurate or incomplete information may affect our ability to provide you with our services effectively.

2.2 Consent to Use of Information:

By providing us with your personal information, you consent to the collection, use, and disclosure of your information as outlined in this Statement and our Privacy Policy. You further consent to the processing of your information for the purposes stated herein.

2.3 Limitation of Liability:

Insulink Kenya Ltd acts as an independent insurance agency and aggregator platform, connecting users with insurance products and investment options offered by third-party underwriters and financial institutions. We do not provide insurance or investment advice and do not guarantee the availability, accuracy, or suitability of any products or services offered through our platform.

2.4 Indemnification:

You agree to indemnify, defend, and hold harmless Insulink Kenya Ltd, its officers, directors, employees, agents, and affiliates from any claims, damages, liabilities, costs, or expenses arising out of or related to your use of our platform or services, including but not limited to claims related to the accuracy of information provided, unauthorized access to your account, or breach of this Statement.

3. Governing Law and Dispute Resolution:

3.1 Governing Law:

This Statement shall be governed by and construed in accordance with the laws of Kenya. Any dispute arising out of or relating to this Statement, including its existence, validity, interpretation, performance, breach, or termination, shall be resolved through good faith negotiations between the parties.

3.2 Mediation:

If the parties are unable to resolve the dispute through negotiations within a reasonable period, they agree to submit the dispute to mediation administered by a mutually agreed-upon mediator. The costs of mediation shall be shared equally between the parties.

3.3 Arbitration:

If mediation fails to resolve the dispute, either party may initiate arbitration proceedings. Arbitration shall be conducted in accordance with the rules of the Arbitration Act of Kenya, by a single arbitrator appointed jointly by the parties or, failing agreement, by the Chief Justice of Kenya. The arbitration proceedings shall take place in Nairobi, Kenya, and the language of the arbitration shall be English.

3.4 Binding Effect:

The decision rendered by the arbitrator(s) shall be final and binding upon the parties. Judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

3.5 Equitable Relief:

Notwithstanding the foregoing, either party may seek equitable relief, including an injunction or specific performance, from a court of competent jurisdiction to enforce its rights under this Statement, without prejudice to the parties' rights to seek arbitration thereafter.

4. Amendments:

4.1 Amendment Process:

Insulink Kenya Ltd reserves the right to amend or modify this Statement at any time, in its sole discretion. Any changes to this Statement will be communicated to you through our platform or via email. Your continued use of our platform after the effective date of any amendments constitutes your acceptance of the revised Statement.

4.2 Review of Amendments:

It is your responsibility to review this Statement periodically to stay informed of any updates or changes. If you do not agree with any amendments to this Statement, you must discontinue your use of our platform and services.

5. Contact Information:

If you have any questions or concerns about this Statement or our privacy practices, please contact us at [insert contact information].

By continuing to use our platform and services, you acknowledge that you have read, understood, and agreed to be bound by this Privacy Settings and Declaration Statement, including any amendments or modifications thereto.